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

Very knowledgeable, friendly and helpful in dealing with a stressful situation. Also helped after the entire process was complete. Dealt with Scott Schaefer in the Kitchener/Waterloo office, and would highly recommend him and the Hoyes team if in need of debt help.

I have received their service and would highly recommend them.

This was my first time claiming bankruptcy. I would like to personally thank Joel and Heather for helping me navigate through this diffucult situation. Both of you guys are understanding and true professionals. Thanks again guys.

Had a great experience. Everyone I spoke to was very helpful, and would answer any emails sent right away.
They Never made you feel bad or guilty for how you ended up seeking their help, and they make everything very simple and easy for you !! I would recommend them !

Professionalism and excellent service with you in mind, my hats off to the staff, thank you for everything you folks have done.

Mark is very professional who helps lot of family with a fresh start.explains all the suitable options and gets it done.

I am very pleased with my experience working with this company. It took me 4 years to pay down 10000.00. They reduced it to 6000.00. As of today I am debt free. And boy does it feel good. I highly recommend them.

I recently had a credit counselling session with Hoyes, Michalos & Associates, and I couldn't be more satisfied with the experience. Brennan Thompson was professional, knowledgeable, and very helpful. He provided me with clear, step-by-step guidance on how to rebuild my credit, as well as useful resources that I could easily access afterward. The process felt personalized, and I never felt rushed or overwhelmed.

I also worked with their trustee, Benny Mendlowitz, regarding my bankruptcy issue. He was incredibly understanding and provided clear information that helped me navigate a difficult situation. Additionally, Brennan's assistance with my OSAP concerns was invaluable, ensuring I had everything I needed to move forward.

If you're looking for support in managing debt or rebuilding credit, I highly recommend Hoyes, Michalos & Associates. Their expertise and supportive approach made a real difference for me.

Hoyes Michalos & Associates was a great help to me from the moment I first contacted them about getting my debt under control. Trustee Sandra Sykora and her team were knowledgeable, courteous, considerate, and concise in their guidance and support, and were able to give me invaluable insight into rebuilding my credit and getting me back in control of my finances. Superb service all around - thank you! :)

Before I met Howard I was in a very difficult and stressful situation. and I keep searching online until I found his name as trustee who has excellent reviews, then I decided to contact him, we met for a free session to explain my situation and the options. He's honest and straightforward person. Since I met him I feel less stress and relieved. I highly recommended him if you have anything related to financial issues. Please don't hesitate to contact him and ask for his help.
I'm so grateful that I met him. Thank you so much Howard