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

We were drowning in debt, many sleepless nights and so much stress. From the first contact, Rebecca was incredibly professional, non judgmental and extremely kind. All the staff at HOYES are so pleasant and helpful. The process was so easy, all done online. Cannot express our gratitude enough to everyone there for making our lives so much easier. Highly recommend them to anyone having financial difficulties, they have solutions you probably didn’t even consider. Finally we feel like we can breathe again. Thank you so much

CRmart
2/20/2026

Hoyes, Michele's & Associates is an amazing firm. They are there for anything you need any questions and they get back to you quickly not like someplace. Both my wife and I has used them and everything went smooth quick and easy. Rebecca is amazing. She has been there for anything we needed even the smallest of questions. I would highly recommend them. This is the place to go if you want to be treated with respect and kindness, and have people guide, help, and walk you through everything.

I was dealing with a very difficult-to-solve sponsorship debt situation. I phoned hoyes associates and spoke to Brian A. McIlmoyle. He explained everything in detail and helped me in dealing with my situation. even my case didn't qualify for a consumer proposal or bankruptcy but he still offered help, I emailed brian numerous times and asked him for guidance. He replied promptly and answered all my questions. I highly recommend his services. He is very knowledgeable, kind and gives very honest advice. I am very thankful for all the help and support he offered me. Thank you very much Brian A. McIlmoyle

They were extremely professional, helpful and they provided me with all the answers that I needed. I would definitely recommend them to anyone who needs to do a consumer proposal. I'm glad I chose Hoyes Michalos

I was extremely satisfied with Hoyes, Michalos & Associates. They were able to get me a consumer proposal on my debt which has in turn provided me with a better outlook on the future and lift a huge burden off my back.
It was a pleasure working with them as well. The staff are extremely kind, friendly and very good at their jobs. I especially like the credit counselling as well as it motivates you to make better money decisions and gets you excited to start saving again.
I highly recommend this team to anyone going through debt troubles. I'm glad to have chosen them to handle my proposal.

Hoyes and Michalos were very helpful to me .
They took a big load off my shoulders and
I thank them very much .
They were very helpful and never felt any pressure from them .
Thank you

Best thing I did was go for some financial relief and advice with Hoyes and Michalos. They went through my options to help steer me on the right path for a better financial future and piece of mind. I am in the right path for my family and I to come out ahead on the future. Staff are very informative and helpful.

I’m incredibly happy with the professional service provided by Charlie, Insolvency Counsellor, at
Hoyes, Michalos & Associates Inc.
I can’t describe the peace of mind I’ve gained after the process was finished. I highly recommend to anyone looking for a fast and effective financial resolution!

If you have debt you can't handle, this is your answer.

I contacted Hoyes, Michalos & Associates and was promptly set up with Rebecca here in the Windsor office. Rebecca did everything she could to help me understand the process I was undertaking and what I could expect to come.

I would recommend anyone.

I wanted a fresh start. I was stuck in a high interest credit card with a balance that continued to grow. It became way out of my reach. With the help of Peter Allen and Billy Martell I can sleep again. My debt was cut to 40% of the balance with payments that were great for me. I have learned a lot with their help and I would recommend them to anyone.