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

My experience with Hoyes, Michalos & Associates was exceptional. From our first interaction to the final outcome, the process was very smooth. They were extremely professional, explained everything in detail and answered any questions that I had. The service they provided was fantastic and I would recommend Hoyes, Michalos & Associates to anyone who would benefit from their services.

A big help on my financial problems. Now I can start afresh with the help of Hoyes Michalos. Before I'm so ashamed cause I can't pay all my debts on time. Now, I can say I'm debt relieved. Whoever you are Hoyes won't let you down if you ask for their help. Thank you so much Hoyes. Thank you with all my heart.

My experience with Nicholas service was exceptional. I am very happy and confident with all the decisions I’ve made for the past few moths despite of my complicated case. It gave me peace of mind and closure that I went to the right company like Hoyes, Michalos & Associates Inc who prioritized for what their client’s needs. They’ve given me the benefit to be financially back on track. Many thanks again for all the resources and guidance that you’ve provided to me.

Janette was amazing to work with! Very understanding and helpful. It was a great experience!

If you are in a financial crisis get help now! Don't wait and hope it will all go away. Debt has been robbing me of my quality of life for too long and my only regret is not coming in sooner. I entered carrying the weight of my shame and defeat and left with the first shred of relief I have experienced in years! From the very first email correspondence to the actual first meeting the experience was nothing but positive! I have a lot of social anxiety and was terribly nervous but the second Ian started speaking I felt calm and determined that together we would come up with a plan that suited my situation and my means. He was thorough, spoke in terms I understood and made sure everything was making sense to me. He is the type of person that you instantly trust because it is so evident that all he cares about is you and your well-being. I was prepared for tears but instead of tears there was laughter. There was positivity and clarity and hope, all things I thought I'd never feel again under the shadow of this debt. There was zero judgement and I never felt that any of his questions were intrusive or made me uncomfortable. Just knowing that I have his guidance and that there is a clear plan to recover from this setback means more than anything right now. He followed up in an email almost immediately after our meeting to let me know that I can ask questions at any time and turned this money-trouble mountain into a money hill. I urge you to not let your pride or shame delay you from seeking help immediately! It's going to take some time and commitment on my part to get there but one meeting was all it took to make me optimistic about the next steps and my financial future.

I am very pleased with the work of Hoyes, Michalos & Associates. They helped me get out of debt and into a debt management program that has helped me control my expenses and maintain my budget. I recommend them highly and hope others use them for their debt managment.

Jamie in the St. Catharines office has been incredible to deal with. She's professional, informative, helpful and there whenever a quick reply is needed. The staff put my fears to rest immediately upon contacting them. Thank you, Hoyes, for being there to help

Maryia Bratkouskaya has been amazing during my bankruptcy process. Truly amazing person and counselor!

Gosh, it felt like a great weight was lifted off my shoulders, the moment I decided to reach out to these people, for help. I've never been respopnded to so quickly, and in my case, it meant everything, because it felt like the walls were closing in. I called, and in that first 15 minute conversation, I was reassured that things were going to change, for me, quickly. I'm just glad I took that first step, and decided to call them.

I am so thankful to Hoyes, Michalos & Associates Inc, for all their help in getting my finances back on track. Jason was great and he treated me with so much respect. He never made me feel bad about my situation. I highly recommend contacting him for financial help. They helped me regain my life back and I am so happy to be debt free again.