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

They make the process easy from start to finish. They’re friendly and knowledgeable and they don’t make you feel worse about an already difficult situation. There when you have issues or even just a question. Would highly recommend them and have to many people.

I would like to thank Mr. Benny and his team for everything they have done for me.
Really he is professional and very organized and his team too.
Giving the best solution, working efficiently.
Highly recommended, I never dealt with someone like Mr. Benny.
He is a pro.

I'm very thankful to Benny and his team for assisting me with settling my debts. I'm on my way to a new beginning. I was feeling very stressed and not sleeping well. My mind kept wondering how I was going to continue to cope with the calls and letters I was receiving. Once I spoke with Benny and he explained how the process works, I instantly felt a sense of relief. Benny and his team are very courteous, respectful and are very knowledge. If you or anyone in your family has not picked up the phone to call Hoyes, Michalos & Associates what are you waiting for?

The experience that I had with Hoyes, Michalos & Associates had literally changed my life and my way of thinking about credit. Scott Schaefer had so generously taken the time to talk with me on 2 occasions; and he had kept in touch with me to help me to find out the best solution for my credit situation. His help was priceless, and I now know the best course of action to take thanks to his incredible knowledge and unending patience for me and my needs. I HIGHLY recommend Hoyes, Michalos & Associates, and I happily and confidently rate them a total of 10 STARS: 5 stars for Hoyes, Michalos & Associates and another 5 stars for Scott! Many thanks! 👍👍👍

Was very pleased with meetings with Joel and Heather. They were both clear and straight forward but understanding with Step by step guidance and support for success. I highly recommended anyone struggling!

Kristen has been amazing and very informative! Highly recommend.

After years of being offered an increase after increase on various credit cards and loans, I was left feeling puzzled. I would never miss my minimum payments, and they were always paid early. However, I was always carrying a balance. Higher than it should have been, in my opinion. I was feeling puzzled because the increases being offered to me over and over were much higher than I could ever afford to pay back. Life happens, and unexpected expenses would come around, whether it was higher than expected bills, my dogs vet appointments, education, etc. The banks and credit card companies were so eager to increase my limits every few months, even though I was always near the limit. This was so confusing to me. After years of constant increases and what have you, I reached my breaking point. This wasn't manageable for me anymore, and clearly, these companies were very much aware of this. They knew what my income was and obviously had access to all of my financial records and yet wanted me to borrow more continually. Why? After months of stress, anxiety and sleepless nights, I decided to do some research, which was when I came across Hoyes and Michalos. I called and was transferred over to Doug Hoyes himself. He was very friendly, empathetic, understanding and spoke my language. He was very well informed and made me feel a sense of calm. He gave me vast amounts of information and let me know where to go to educate myself so that I could make a decision that worked best for me. After doing so, I scheduled an appointment with Doug. I was greeted by very friendly faces in a judgement-free zone. Doug made me laugh and was extremely helpful. After submitting, I had many questions and sent many emails regarding updates. He would always respond within an hour and always remained very friendly and just as helpful as he was during our very first interaction. Doug managed to slash my debts by nearly 65%! For months, even years, I felt as though I was drowning financially, and now, I can manage. After finding out, I felt all of my anxiety slip away. I am now able to understand and manage my finances easily. Hoyes and Michalos genuinely care, and if you feel as though you are drowning and have reached a dead end, I urge you to make that call. You won't be disappointed. Also, for more information to help you better understand the options that are available to you, listen to Doug's podcast "Debt Free in 30." You will learn something!

Booked an appointment and talked to Howard regarding my debt and he is very accommodating and he explained everything and all necessary options i have as well as all the staff are very helful and friendly and everyone helped throughout the process..great group of people to talk and ask for help.

Not all trustees are created equal and Billy is one of a kind. He’s a Godsend; he makes you feel human again and hopeful. I could not thank him enough how he made things easy for me.

From the very first time I spoke to Alison I knew I had made the right connection during a time that was extremely stressful and embarrassing for me. Alison gave me a detailed description of the options available to me and it was obvious that bankruptcy was the only option that made sense for my situation. My initial appointment was set up quickly and the rest is history as they say. The whole process was painless and I was put at ease immediately . The relief I felt was wonderful. Any time I had a question all I had to do was send an email and I quickly received a response/answer. Thank you Alison...and the Hoyes, Michalos team!