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

Have to say when I first made appointment i was nervous, but when you first go in the door you are greeted by the receptionist very very friendly, then I got called in to meet with patty. Man do I not regret going with this company. Patty was very welcoming and treated you like family, no judgment she was there to help not make you feel worse then you already feel. So thank you patty and the whole Hoyes for helping me get back on my feet. 100% would recommend this company..

Thank again!

I was hopelessly in debt to the fact that I was having a hard time paying my rent. I expressed interest in getting help with this. Alison called me back and there was a huge load taken off my back. They took care of my debts and showed me how to keep out of the same traps that got me there. Jeff and Alison know their business and helped me get on the right path. Thank you both.

Sandra Sykora took complete care in my matter Thank you
Hoyes, Michalos & Associates took care of all the reference material.
Thank you. I finally got relief..

Trying to manage mental health issues and the hardships it brings to your life is a constant struggle. A struggle you keep private and silent to the best of your ability.

After a while you can no longer remain silent as life starts to crash around you.

When my financial situation was no longer manageable my health and well being deteriorated fast. The stress of losing everything and not having a place to live weighed heavily. Not because I was worried about me but I was worried about my wife of 20 years and the ramifications it would cause her.

Every day was filled with shame and guilt and hopelessness.

When I found Hoyes to see how I could manage this financial storm I was met with care and compassion. The compassion I felt was as genuine as it gets.

The team at Hoyes treated me with respect and dignity and my hopelessness started to turn into a positive motivation to get my life back on track.

Hoyes counselled me and worked out an arrangement with my creditors. It was a manageable solution that took the weight of 100 cars off my shoulders. I could manage my debt monthly and work towards living debt free. This is very important for someone in their 50’s.

Hoyes saved my life and I will forever be grateful to them. Till this day I still am treated with the same respect and dignity by all members of their team. It amazes me that this company has found the team with the morals and values to help those in a difficult financial time and ensure them it will be ok.

If you need financial help I promise you contacting Hoyes to find a solution will make your life so much better. You will have the help and support needed to make things right and not be buried by debt.

Thank you Hoyes

I thought there was no hope with my credit card debt. I was browsing online to see if there were any options for help. I came across this business and I immediately contacted them. I'm still in the early stages but Rebecca was very helpful and knowledgeable. It's such a relief that there was a business that could help and everything has been going smoothly!

Joel and Heather have been very helpful throughout the process of my consumer proposal. Joel thoroughly explains all options. Heather provides realistic advice and welcoming discussion. I would recommend them and Hoyes to anyone in my situation!

The team at Hoyes, Michalos & Associates is beyond amazing. They handled everything with such attention to detail, care and consideration throughout the entire process. Very helpful and professional and they take the time to fully understand details. Thank you to the team.

Team was great, helped my senior uncle with all of his repetitive, and annoying questions, took time to ensure he understood things no matter how many times it took.
I would highly recommend this organization and Bret, and the team at the etobicoke office.
If they were this amazing with some one who tries my patience on a regular basis and helped him make the best choice for his situation I can only imagine how much better they would be with a regular person.
If you are in need or a desperate situation, call them, and they will treat you with the same compassion and professionalism we got! You wont regret it!
Neil

I came down with medical issues and was unable to work. I tried for a few moths to come to an agreement with lenders with no luck. I called and was connected with Patricia. She was great and told me to take my time to decide and reviewed the pros and cons. I took two months to decide and connected with Joel. He explained the process very clearly and the process. Then I had a video conference with Heather. She was also great and walked me through next steps ! This team has taken a lot of stress of me and I compliment how professional they are !

Bob

I have been fighting with creditors for years, taking one step forward then taking 3 steps back for years. I have always looked into getting help but never followed through with it. Finally I made contact again, was hesitant to seek help. They answered all my questions, gave me ample time to look things and think things over before making any decision. Never did I ever feel pressured from them, but was always provided with information to help me grow.
Jason is absolutely amazing, easy to talk to and very knowledgeable. After I signed all the documents to submit my consumer proposal, a weight that I have been carrying for years disappeared and I am able to fix my mistakes and head on the path to correct and secure my future.
If I can recommend one thing, that would be not to wait, don't hesitate and accumulating interest as waiting does not grow your money in this situation. The longer you wait the more it will all cost you.