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

I had approached Consumer proposal a couple of times. I never felt comfortable to follow through until recently. Joel was fantastic, professional, non- judgemental and explained everything so I could easily understand. With their help, a big weight has been lifted off my shoulders. I can't thank Joel and the team enough.

Very friendly and knowledgeable! Howard helped me understand processes and explained the pros and cons of both bankruptcy and consumer proposal. He really helped me make a confident decision and walked me through everything! I highly recommend Hoyes Michalos. I had so many questions and he was always so kind and helpful, even during the time I was unsure what I was going to do.
Thank you!

They walked through the entire process and made everything go smooth. Such a relief and helped get back on the right track.

Amazing to deal with.Very helpful and knowledgeable. Extremely friendly staff. Made a difficult experience seem so much better... Thanks

I couldn't sleep, didn't have a day with thinking of my next bill payment, stress was my closest friend. I was told about a debt consolidation, I got some info online, still wasn't sure if it was a good idea nevertheless I needed help. With more online search I gathered info about HOYES... a phone call to them then in person meeting, I could see a change coming.
I was told that a consumer proposal would work for me, which i accepted now I'm saving money, making my monthly payments on time and getting some sleep, my close friend STRESS, is no longer around.
I'm pleased to recommend the team at Hoyes, Michalos & Associates inc they changed things for me I'm sure they will do it for you 📞 call them.

It’s been about a year into my proposal and I only have good things to say about Hoyes and all of their associates I have had the pleasure to speak with. Janette is as awesome as can be, you can feel their intentions of wanting you to do and be better. I have done and been doing better. Ahead of my schedule and more confident in the future steps I’m about to take. Can’t thank you all enough for your help!

Great, super nice, and knowledgeable people, helped me solve my debt issues, and answered any questions related or even unrelated to my debt.

Also, their site is one of the most in-depth and helpful sites I've ever visited. Big props to their team, I recommend them to anyone dealing with any debt issues.

I'm an extremely skeptical person, and given the situation I was in, even more so towards any financial institution/business. I even checked out other LITs (and many, many options other than proposals) before settling with Hoyes Michalos; despite seeming a tad "info-mercially" online, they show that they truly care about their clients and do everything they can to help. They treated me with kindness, respect, empathy, and dignity right from the very first sobbing phone call (thank you to Maddy and Brett!) until my final counselling session, and I never felt pressured to take any particular course of action at any point. A very special thank you to Maureen, who administered my proposal; she was incredibly friendly, extremely knowledgeable, as are the rest of the staff. My proposal was accepted by my creditors at my desired rate, the counselling sessions went smoothly, and all the fear/stress I felt before I sought their help has since been completely lifted. Seriously, if you feel like there's no hope - it's well worth the call. Sorry for the somewhat delayed review, and thank you all again!

Very nice kind helping people. From the first call to every follow up call and any call in between. There was no judgement only a willingness to help. They gave you the options you had so they made you feel that you had a way out. Highly recommended :)

I was extremely satisfied with Hoyes, Michalos & Associates. They were able to get me a consumer proposal on my debt which has in turn provided me with a better outlook on the future and lift a huge burden off my back.
It was a pleasure working with them as well. The staff are extremely kind, friendly and very good at their jobs. I especially like the credit counselling as well as it motivates you to make better money decisions and gets you excited to start saving again.
I highly recommend this team to anyone going through debt troubles. I'm glad to have chosen them to handle my proposal.