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

Miss Maureen is really helpful, concerning and kind, the way she explains everything, is great. I wish her all the best.

I went in not knowing exactly what I was going to do. Joel went through all my options, and explained what they would all entail. They were very understanding, and I didn't feel judged at all for being in my predicament. I feel like a weight has been lifted off my shoulders and I can breathe again. Thank you Joel & Heather!

Thanks to covid and being off work I managed to get myself caught up in some debt trying to keep up with my bills. I did some google research and came across info on a consumer proposal on hoyes, michalos website. The word "bankruptcy" was terrifying to me and I really didn't know what it meant. Just knew it as something bad that ruined your credit score and that they would take my car away. Which is not true at all. Ted and Meg were amazing at explaining my options and how everything works and calming all my anxieties. They did not judge me once. They were completely understanding of my situation and they genuinely cared about helping me get back on track with my finances.
I didn't loose my car (LOL), my credit isn't ruined forever and my debt will be paid in 3-5 years with no interest on it !! I now have the extra money for gas or to buy a snack at the store if I want too or not question if i can afford to buy myself a coffee in the morning on my way to work. I'm not constantly under stress worrying about having my bills paid on time and working crazy over time hours draining myself physically and mentally. I'm not worrying about if my car breaks down if I will be able to afford to fix it or not. Things that no person working 40 hours a week should ever have to worry about because you're just trying to live life and keep your head above water.
I highly recommend contacting these people if you have that stress in your life, you will not be judged and life will be so much better and a lot less stressful.

Mine is a familiar story… drowning in credit card & tax debt in excess of my annual income & monthly ability to repay, plus being constrained by a hefty garnishment, I was at a really low point - deeply disappointed in myself & ashamed for putting myself in this situation. I felt I was really sitting outside the door of bankruptcy & very anxious about it. In researching that process, I learned about Hoyes, Michalos & Associates & their services to assist with debt relief. I decided to call the office of Sandra Sykora to make an appointment to speak with her.
Right from the start Sandra let me know that there were options other than bankruptcy to help relieve my situation. In that first really open & friendly meeting, Sandra clearly took me through the options & the process for filing a consumer proposal, answering all my questions With a debt relief plan, rather than bankruptcy & the garnishment suspended, a huge weight was lifted.
When problems with one of the creditors arose, Sandra & the team at HM provided exceptional assistance and support to resolve the situation. Their incredible attention to my situation & quick responses to any and all my queries put me at ease throughout the process.
With my consumer proposal accepted, I am hugely relieved at having the debt reduced & an affordable plan to repay the remainder.
Anyone looking for guidance in dealing with an overwhelming financial situation can rely on the professional team at HM. Give them a call, have a complementary conversation with one of their licensed trustees – you will be in good hands to help you sort out your own situation!

If you want to ease your mind and get a good might sleep call. They are so friendly and so easy to talk to. They make the process pain free. Thank you so much for all you have done for me.
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Very happy I made the decision to have Maureen help me with my issues. Not only was she very patient with my tendency to procrastinate, she guided me on what Info I needed to send and even helped me with alot of it, she also answered my million questions and went above and beyond to help me understand the process of how this all works. I’m finally seeing the light at the end of the tunnel towards debt freedom and better credit ! Thanks alot Maureen and the team!

I can’t even put into words how happy I am that I chose Hoyes, Michalos and Associates to assist me with my proposal. They are caring, professional, understanding and always have my best interest.

Ive finally completed my consumer proposal and couldnt be happier. Rebecca was truly amazing through the entire process and i completely reccomend and suggest others to get on the path to better credit building! Thank you Rebecca, thank you Hoyes

I am very pleased with the professional, friendly and attentive service I received, focused on helping me through a difficult time. Alternatives were clearly laid out. A very well run organization. Billy and Beau were great. I highly recommend their services.

Joel has been an absolute pleasure to work with, gave me a ton of information in a way that made sense to me, and has helped me take the leap into finally dealing with my debt, once and for all. For the first time in my life, I have hope for my financial future.
Heather has also been great and given me valuable tips and insight into rebuilding after a consumer proposal, and managing my finances in a way that will keep me out of trouble in the future. Cannot say enough good about Hoyes, Michalos & Associates.