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

I had to go get help..after being hurt at work and the money coming in was not enough. Everyone was so nice and helpful and answered all my questions without looking down on me.. treated with respect ..

Great support from the team at Hoyes, Michalos and Associates ... they are extremely knowledgeable, are able to explain everything in detail (but in simple terms), and were very nice throughout the whole process, handling what is personally not an easy situation. I highly recommend them!

I was hesitant at first, unsure if this was something that would work or even be possible, as my debt was getting out of control. However, Hoyes, Michalos & Associates took the time to clearly explain my options and helped me understand what I could do to get back on track. They consistently went above and beyond whenever I had questions.

They provided me with a clear path to regain control of my debt, and now I’m on track to becoming debt-free. I highly recommend reaching out if you’re feeling overwhelmed, even starting with a conversation can make a huge difference. I feel significantly less stressed and am truly grateful that I took that first step.

Billy at the Burlington office is so comfortable to deal with very professional and very helpful. He made sure i was aware of the proposal process and made sure everything was submitted promptly and all proper documents were submitted to prevent any delays. I would highly recommend Billy at the Burlington office if you are looking to get rid of bad credit.

From start to finish, the team and Hoyes Michalos were empathetic, respectful and thoroughly professional. No one looks forward to going through this process but they made it as bearable and stress-free as possible. I would recommend them without hesitation.

Like many people before me and probably many more after me I had an insane debt I couldn't handle. Collectors calling my cell phone and even my work. It didn't matter what I told them, they just wanted me to pay what I could not afford. I was already living paycheck to paycheck and just trying to make payments into any of my debt made it hard. It made me fall into the endless cycle of payday loans. Trying to pay those off as well as other debts became impossible. I was under so much stress from not knowing what to do I was physically sick from it.

After doing some research and figuring out I had 2 options open to me, consumer proposal or bankruptcy. I did a web search after hearing all sorts of ads on the radio about Licensed Insolvency Trustees and what they can do. I ended up choosing Hoyes, Michalos & Associates Inc. for two reasons. First the reviews I read helped me decide. Second, they wanted to help me more than I wanted to help myself. Like many I was trapped. I waited until I was in way over my head before I did anything to fix my situation. I would definitely recommend them to anyone who has any sort of financial issues. Be smart about it, if you need help ask the right people before you get too far in over your head.

I was so pleased with the service I received! Everyone was so helpful and courteous! Its been a life changer for me!!!!

They are awesome! Everyone was kind, helpful, and informative! Felt through out the entire process that they just wanted to help. Filed a Consumer Proposal through them, which drastically helped reduce my monthly credit payments! Recommended!

When faced with hardships and not having any easy answers the team at Hoyes, Michalos & Associates was most helpful in directing and recommending options. They made the process simple and straightforward while being accommodating and responsive throughout the process. I would highly recommend their services.

Mine is a familiar story… drowning in credit card & tax debt in excess of my annual income & monthly ability to repay, plus being constrained by a hefty garnishment, I was at a really low point - deeply disappointed in myself & ashamed for putting myself in this situation. I felt I was really sitting outside the door of bankruptcy & very anxious about it. In researching that process, I learned about Hoyes, Michalos & Associates & their services to assist with debt relief. I decided to call the office of Sandra Sykora to make an appointment to speak with her.
Right from the start Sandra let me know that there were options other than bankruptcy to help relieve my situation. In that first really open & friendly meeting, Sandra clearly took me through the options & the process for filing a consumer proposal, answering all my questions With a debt relief plan, rather than bankruptcy & the garnishment suspended, a huge weight was lifted.
When problems with one of the creditors arose, Sandra & the team at HM provided exceptional assistance and support to resolve the situation. Their incredible attention to my situation & quick responses to any and all my queries put me at ease throughout the process.
With my consumer proposal accepted, I am hugely relieved at having the debt reduced & an affordable plan to repay the remainder.
Anyone looking for guidance in dealing with an overwhelming financial situation can rely on the professional team at HM. Give them a call, have a complementary conversation with one of their licensed trustees – you will be in good hands to help you sort out your own situation!