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

Uncertainty about finances and servicing my debt with interest charges created a panic combined with mental unrest.
When I heard about Hoyes & Michalos it became obvious that I would inquire if they could help.
Sure enough it became apparent that efficiency and confidence in their approach with so much information and support available especially with Brett and Maryia.
Both professionals they helped with my confidence to realize that I could propose to my creditors a solution. With Zoom available the process and answers to my financial challenges were answered and today I’ve been given an opportunity to better understand my real needs and live easier without the stress.
Thanks to all the Team who assisted me at Hoyes & Michalos!

I came here because I needed financial advice. I decided to go ahead with bankruptcy and so far they have taken care of me very professionally. If you need this sort of help, I'd recommend them.

Made my life again.Brett was a true pro.Wish I knew sooner.I felt his concern for me and he made me enjoy life again.Thank you Hoyes,Michalos and especially Brett my trustee.

Navigating the complexities of mental health challenges and the difficulties they introduce into one's life is an ongoing battle—a battle often fought in silence and solitude.

Eventually, the silence becomes unsustainable as the pressures of life begin to overwhelm. My financial instability reached a point where it precipitated a rapid decline in my health and well-being. The fear of losing everything loomed large, not for my own sake, but for the impact it would have on my wife of two decades.

Each day was a mire of shame, guilt, and despair.

It was when I sought assistance from Hoyes during this financial tempest that I was greeted with warmth and understanding. The empathy they showed me was profoundly sincere.

The professionals at Hoyes approached me with respect and dignity, transforming my despair into a drive to reclaim my life. They provided guidance and negotiated a viable plan with my creditors, lifting a burden that felt as heavy as the weight of 100 cars from my shoulders. They offered a payment strategy that was realistic, especially critical for someone in their 50s, aiming for a debt-free existence.

Hoyes was a beacon of hope in my darkest times, and my gratitude towards them is boundless. To this day, their team continues to treat me with consistent respect and dignity, embodying a set of morals and values that genuinely support those facing financial hardship, reassuring them that everything will be alright.

For anyone struggling financially, I assure you that reaching out to Hoyes for a solution will significantly improve your life. Their support and guidance can help you navigate through debt and restore balance to your life.

My heartfelt thanks to Hoyes.

I have been struggling for years now, not knowing what step to take due to many down falls in my life. Hoyes,Michalos & associates gave me my freedom back to find where I belong and helped me continue to fix my mistakes and find my place where I belong. No more struggling, no more stress.

Booked an appointment and talked to Howard regarding my debt and he is very accommodating and he explained everything and all necessary options i have as well as all the staff are very helful and friendly and everyone helped throughout the process..great group of people to talk and ask for help.

My experience has been very positive Kristen was Very helpful and made the process a lot easier for me in a very difficult situation, I would definitely recommend To anybody That is ready to move forward and get on a better path for the future.

Very thorough and responsive. They helped me figure out the best course of action and explained everything in detail.

August 2024 reached out to Hoyes,Michalos and Associates for questions and possible file a consumer proposal. Jason Quinney was my representative, he was very professional, knowledgeable and helpful. With Jason's expertise I file my consumer proposal everything went smoothly and now I am on my way to be debt free. Thanks Jason and partners a very satisfied customer 😀 👍 Verna. D

I was a tough decision for me to consider a consumer proposal but in my case it was the right one. Peter from Hoyes, Michalos and associates made it painless and now I'm not stressed out about how I'm going to keep up with my bills. Thanks so much!