Hoyes, Michalos & Associates Inc.
Licensed Insolvency Trustees for Consumer Proposal,
Personal Bankruptcy and Debt Relief in Ontario

I am very satisfy from the service of Hoyes. Special thanks to Benny for making easy the process.

Maureen is amazing! So easy to deal with, super friendly and outgoing. I highly recommend this place. Thanks again Maureen for your help. Kim

Hoyes, Michalos & Associates did a great job , from the first meeting I had a clear roadmap on how to reduce my debt and be financially free, they are always updating me on the situation with creditors and give recommendations for next steps. I really recommend Hoyes, Michalos & Associates for anybody struggling with debt, they will give you the right path to follow, and the good part you don't pay anything in advance. Thank you

Very helpful and professional, made the hole process super easy. Thanks specially to Scott you were so very helpful. Thanks

Couldn’t be more happier without a load of debt in every corner. Started to feel like a debt hoarder.

Thanks Hoyes for everything!

5 star service! The staff in office are always so kind, accommodating and understanding. I have received nothing but quick and efficient responses and it takes the stress off clients. The office/company is lucky to have employees with such impeccable work ethic.

Jason Quinney was amazing to work with! He was always quick to respond and made the whole proposal process feel much less stressful. I truly appreciated his guidance and support from start to finish. Highly recommend!

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!

Before I met Howard I was in a very difficult and stressful situation. and I keep searching online until I found his name as trustee who has excellent reviews, then I decided to contact him, we met for a free session to explain my situation and the options. He's honest and straightforward person. Since I met him I feel less stress and relieved. I highly recommended him if you have anything related to financial issues. Please don't hesitate to contact him and ask for his help.
I'm so grateful that I met him. Thank you so much Howard

I was in a relationship that ended after 12 years, and it left me homeless and in a lot of debt. My daughter and her husband gave me a place to stay until I am able to get a place of my own. I attended a meeting with my daughter and Hoyes,Michaols & Associates at their Windsor office to discuss how to get help with my debt. We were given a free consultation on what I can do to help my self. After about one half hour I came away feeling that I was on the right track. When we left the building my daughter said I think we have finally met an honest person .