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

Mr. Benny is truly an angel. After Covid I was in a tough financial position. Frantically looking for a relief, I contacted HOYES and instantly started working for a plan with Mr. Benny.
The company and people are truly professionals with lots of knowledge. They love to help and take stress away from your shoulders.
I highly recommend for whom are in need of the best service and result oriented. Thanks you once again for finding the best solution for me.

Mark Borysiak was very thorough and explained everything in detail. My experience with him was very positive and I would highly recommend Hoyes, Michalos & Associates.

I filed a consumer proposal with HM&A through Ian Martin. Wonderful service, responsive and supportive. Great business!

Professional expertise from real people like Scott Terrio this is what you get at Hoyes, Michalos & Associates. Transparent, reliable, no fine print, just effectively delivered results. If that is what you are looking for, don't wait, contact them now.

Billy was very helpful kind and since made me feel very comfortable Would recommend anybody to go see him if in the same situation I’m in. He gives me hope again thank you so much for what you do. I really appreciate everything you did for me.

Hoyes made me feel like I got a new life and back on track! Everything is up to date and right there for you. Quick and easy always willing to help even when you don’t have appointments! Jason is as amazing with everything I had to get done. I now feel as if I can breathe again. Thank you Hoyes!

I had been struggling with debt since 2017 when my Husband and I separated~ I was able to keep up until I retired and my income was substantially lower. I researched and read every article that I could find on what I could do~~ After all my research with the various companies offering to help with debt relief, I decided to speak with the people at Hoyes, Michalos in St Catharines, everything was explained to me in language that I could understand and the various options were presented at the first meeting. They are all wonderful and made me feel very comfortable instead of embarrassed. I decided to go with a Consumer Proposal and they did everything for me~~ I will be paying it for 5 years but it is only one third of what I owed, so at the end of it I will have paid my creditors something and I will then be debt free~~ I can never Thank them enough 😊

The last installment on our proposal was on Monday. Everyone at Hoyes was ultra professional, friendly, and accommodating. We could not have been in better hands, although I wish to never see them again LOL! Thank you to a great team.

This company realy want to help people!!!They are amazing ,trustworthy people!!Thank you Brian!!!!!

Hoyes, Michalos & Associates made the consumer proposal process stress-free and straightforward. Their team was professional, supportive, and explained everything clearly. Thanks to their expertise, I now have a fresh financial start. Highly recommend their services to anyone struggling with debt!