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

Extremely helpful and easy to speak with. (As well, very easy to contact)
I sat down with them in 2015 and they went over plans and options step by step on dealing with my debt situation, making everything clear and concise. In the end they helped work out a plan that worked for me in my situation, and I'm happy to say that I'm now debt free! Very happy I chose Hoyes, Michalos!

$2,340 vs $72,125 - What would you rather pay?!

My debt was $72,125.

After I declared bankrucpy, I had to pay $65 every week for nine months. After that, I was discharged and debt free!

$2,340 vs $72,125!

They not only saved me $70,000, they saved me from the stress, anxeity that came along with it.

And, I have just qualified for a new credit card!

FRESH START!

Thanks Rebecca, and the Windsor Branch!

Your services were more effective in curing my financial stress than a Clozapine, followed by a Joint, chased with a Beer ;)

They are very knowledgeable. Helpful and always there for you when call or email. Always prompt. I trust them. I dealt with Diana Wong and she is Amazing.

Once I made the decision to get help I contacted Hoyes , the process was very easy to understand and the team is so helpful ! Highly recommend and I personally give Howard and Patricia S five stars

It's an amazing program to get back on track. They are professional and friendly. They were very informative. Thank you guys for everything.

Beau was so kind through this whole experience.
I actually enjoyed my debt counseling sessions and might book another in the future. He genuinely cares about his job and you can feel that.

Now, I’m continuing to pay down my student debt with a lightness in my heart - and planning for my future and building my credit. I’m so glad I made the call to Hoyes and took responsibility for my life.

Thanks!

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!

Me and my husband worked primarily with Kristen and had an amazing experience. She was great to work with and is super quick with responding to emails. They made it as easy and painless as possible and would recommend them to anyone. No matter what your situation is, they will help you figure out what your best option is. Highly recommend!

Very professional, helpful and kind and very understanding.
The knowledge given and means to help rebuild your financial life is second to none .
Highly recommended!

I’m so grateful to the professional team at Hoyes with their guidance and help they’ve provided me. I would definitely recommend their team to anyone looking for help and rest assured they would do their best in providing you the best support needed to address your concerns to get you back on track. Thank you again!