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

I found myself and my partner in horrible debt 5 years ago. He came across this company and helped both of us a great deal. I have now completed my payments and can now proudly say I’m debt free. They were super helpful and the program is very easy. I highly recommend. Best decision we ever made.

I always prided myself for being independent and capable of taking care of myself financially. However, things happened in my life and I found myself in debt. I reached out to Hoyes and met with Janet first and then Benny. They were able to help me submit a consumer proposal and knock down my debt. Benny's been very supportive and I've learnt quite a bit about debt management and preparing for reestablishing credit. Don't hesitate to reach out to them!

They try to help you in every possible way they can with counselling and giving you options to your issues. Follow up is great. Benny is a great person to talk to. I highly recommend them!

Rebecca has been amazing at helping me get my financial debts under control. Working with her has been super easy and convenient. During our interactions I've never felt judged and has she eased my anxiety over my debts completely. She's quick and efficient. Im happy to have someone so kind and compassionate help me during this time. I highly recommend contacting Hoyes, Michalos & Associates Inc. to help resolve your debts.

I just declared bankruptcy with hoyes michalos and was extremely satisfied with the service. I was dealing with Benny, I found him to be a trustworthy, kind and patient man as well as extremely professional. I highly recommend this firm, they made the experience run smoothly and I thank Benny from the bottom of my heart!!!

At a time of Covid and the adjustments of no job my husband had a massive heart attack and required quintuple bypass surgery which was the most stressful time of my life.

I was advised by his Doctors he will never return to work as a result of this medical condition.

I panicked about how I alone with no job myself would pay all of the bills and keep a roof over our head.

Fortunately for me I found Hoyes, Michalos & Associates and spoke with Peter Hoyes whom calmed me down and reassured me their company was there to explain everything as to how they can help and for the first time in over a month I was able to sleep.

I recommend anyone that requires help in their financial issues to reach out to this company as they handle this entire matter so professional and caring and explained each step of the way to make my life that much easier.

Thank you so much to both Peter Hoyes and Billy Martell for being there for me in such a dark time .

Lynn Egan

Fantastic service from Mark at Hoyes in Barrie. He made the process so easy to understand and made me feel comfortable and confident. He provided lots of education throughout the process and helped me feel in control of my finances. Highly recommend.

worked with Benny for my consumer proposal and had a very good experience. He was patient, knowledgeable, and explained each step clearly. The process was handled efficiently and my proposal was approved without issues. I would definitely recommend Benny to anyone needing debt help.

Fantastic experience. I went in feeling overwhelmed with my finances, but left feeling like I could breath again

Hoyes, Michalos & associates were very helpful. They provided me a solution to get out of my debt with a very reasonable payments. They also gave me great advice on rebuilding credit and sent me all the info I needed. They went above and beyond to make sure my experience was easy going. I would definitely recommend them to any one that needs help with their debt.