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

Excellent staff. Very knowledgeable and helpful.

The team at Hoyes, Michalos & Associates was absolutely great with me. I'd just had one of the worst years of my life and thought I was never going to get out from under it. Howard & Patricia were compassionate and didn't judge me for being in the position I was in. They provided me with exceptional counsel and helped me to make the best choices for me going forward. For the first time in months I'm breathing easy and working towards building a better future for myself. If you need help, call them, this team will not only work with you to get you out from under your stress but will teach you how to avoid being in this scenario again. They're with you every step of the way.

Scott Terrio and his associate have been extremely helpful, understanding and patient with me for this whole process of applying for a consumer proposal. I couldn't have had a better experience dealing with such a high stress inducing aspect of my life. Since working with Scott, I've felt significantly less pressure in my life knowing that I'm actually being taken care of. Any information I've requested due to my lack of knowledge of the field was welcomed and offered to me with kindness and patience. Thank you Scott Terrio, Hoyes, Michalos & Associates! I truly am so grateful for your help with my financial situation.

If there were more stars I'd give them to you!!!
Thank you very much for treating me with such professionalism and respect. Excellent service that I highly recommend.

Jamie and Ted at Hoyes were incredible to work with. They not only negotiated the best deal possible for my consumer proposal, they were also empathetic and supportive throughout the entire process and made themselves readily available to answer any questions or concerns I had along the way. A+ experience with these two.

These folks are fantastic and knowledgeable.
Really put forth all my options and eased my stress levels around my finance issues.
Dont hesitate to give a call and ask questions .
Save yourself the stress and anxiety

I have worked with a number of Canadians that have completed an insolvency with Hoyes, Michalos, and Associates. I have always heard great things. They have also been a wealth of resource for consumer proposals or bankruptcies in Ontario.

Benny and Janette made a difficult situation much less stressful and were great throughout the process. Highly recommend

It’s never easy, going through consumer proposals or even bankruptcy. But Scott Terrio at Hoyes, Michalos made it easy. Treating me with dignity and respect through it all. I’m on the road recovery thanks to him. I would definitely recommend this legal team on your side in difficult times!

Thank you.
Sean.

Compared to other companies I called, Hoyes Michalos was by far the most honest and reasonable, and was able to get me the best proposal based on my financial situation. Scott responded to my questions promptly and addressed my concerns with clarity and understanding. He is knowledgeable, honest, and understanding.