GIVE US 30 MINUTES
WE'LL GIVE YOU A PLAN TO BE DEBT FREE

This office helped me in ways I could not have imagined. I had reached out to them to bounce off a question I had about managing debt. Ian listened to my question and then he asked about my full situation, he listened through it all. Ian provided me with an answer to my question as well as some provided me with some options that I did not even know existed. Because of his recommendations I decided to go a different route in managing my debt than what I had originally intended to do, which was amazing! Not only was the process simple it was also seamless. The stress and pressures are now off my shoulders and I can actually start to live life with possibility and hope. Hoyes Michalos stepped in and stepped up to help me on my journey of becoming debt free. If I could, I would give them 10 stars for amazing service, great options, and the added support I needed.

I was over my head sinking in credit card debt and feeling hopeless about my financial situation the day I contacted Hoyes and Michalos Bloor st.

Made an appointment with the AMAZING Sandra Sykora. During the phone consultation she was very informative, straightforward about the process and tailored a payment plan that would work for me.

After the call I felt a sense of relief and was starting to see the light at the end of the tunnel.

48 hours after my initial call with Sandra my consumer proposal was filed and 45 days later my proposal was accepted by my creditors.

Thank you so much Sandra!!

Jason was very informative and organized. He helped me get a better understanding with what I was getting done and I was able to contact when needed and he responded in a timely manner. I would recommend to anyone.

Twice now Hoyes, Michalos and associates has settled my debt by making an affordable payment plan on my behalf with my creditor/collection agency. I'm so excited because soon I will be debt free and all thanks to Sandra Sykora ,she has been so amazing , non judgemental and always available to address all my concerns. She has been dealing with my creditors on my behalf. If you have any debt and can't afford to pay, collection is calling you and threatening you than you should call Hoyes, Michalos and associates ASAP.

They’re very professional and helpful and informative I won’t hesitate to use their service again.

I was very impressed from the beginning of the first consultation i had to the very end. It put my mind more at ease. They helped me get me financial debt in order again. Very Professional. Credit Counseling was a great thing to have as well. Great guidance and advice.Thank you to you all.

Billy and Beau were amazing!! very professional and easy to talk to, would definitely recommend. They made going through this process so much easier and gave some great feedback and advice!

I was going through a very expensive, very prolonged, and long-winded custody battle/divorce, and the debt just kept mounting, and a consumer propsal was my best option given the circumstances at the time.

Working with Hoyes, Michalos & Associates was a very pleasant, straightforward experience. My counsellor was nice and upfront, and the proposal team was so awesome and accommodating throughout my journey.

I'm so glad that I paid it off as soon as I did. Matter of fact, I wish I had done it sooner, but I'm satisfied.

If you can pay off your debt without assistance, please do so. However, if your back is against the wall, please consider speaking to Hoyes to look at all your options.

Hoyes, Michale & Associates have saved me! It is not very easy to admit failures, especially when it comes to finances. Kirsten' is very understanding and non judgemental, which really helped me control my anxiety. I am confident that I can overcome my failures and turn them into being on my way to be debt free. Thank You!

Hoyes (particularly Jamie from St Catharines) was very professional and friendly. She helped me considerably reduced my debt and now I can focus to save more money and only pay a very small amount per month. Thank you very much Hoyes for your service