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

Scott from Hoyes ,Michalos really helped me in the crisis situations where I was totally drowned in debt for last more than 15 years. It is like a new life and a burden of stress is gone. The process was really easy . Even after negotiation he is helping me in building my credit Step by Step and securing my future and making sure my credit is built back . I feel so greatful that I met him on Facebook and he helped me in resolving my life's one of the biggest problems. I wish them growth in their business. ,👍

If you want to ease your mind and get a good might sleep call. They are so friendly and so easy to talk to. They make the process pain free. Thank you so much for all you have done for me.
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The team at Hoyes goes above and beyond the required basics to help you achieve financial stability. Team is thoughtful and helpful throughout the entire process. Highly recommended.

Brett and Brennan have been extremely caring, compassionate and professional during the entire time. The knowledge I’ve gained will not be lost. Thank you

At a time of Covid and the adjustments of no job my husband had a massive heart attack and required quintuple bypass surgery which was the most stressful time of my life.

I was advised by his Doctors he will never return to work as a result of this medical condition.

I panicked about how I alone with no job myself would pay all of the bills and keep a roof over our head.

Fortunately for me I found Hoyes, Michalos & Associates and spoke with Peter Hoyes whom calmed me down and reassured me their company was there to explain everything as to how they can help and for the first time in over a month I was able to sleep.

I recommend anyone that requires help in their financial issues to reach out to this company as they handle this entire matter so professional and caring and explained each step of the way to make my life that much easier.

Thank you so much to both Peter Hoyes and Billy Martell for being there for me in such a dark time .

Lynn Egan

The whole process of a credit proposal was scary to me which is why I took such a long time to start it. However once I did I was amazed at how easy the process was and I felt so comfortable and appreciative of all the help from Hoyes, Michalos & Associates. Beau was wonderful to work with in completing my credit counselling sessions. Very easy to speak with, and just all around a genuine nice guy who is extremely knowledgeable! If your ever in need of their services, give them a call. You definitely won't regret it!

We didn't know about a consumer proposal until we read about it on one of Hoyes, Michalos & Assoc. websites. If you want to be treated with dignity and not made feel you're a bad/unresponsible person speak with one of the team members. With us it is Mark -- a fabulous person. He explains everything so we understand. He's so kind and knowledgeable. We are happy now that we have a structured plan to deal with our finances. We are working towards paying off our debt with an amount that fits our budget. And we can call anytime if questions arise. So if anyone needs debt free help we can't stress enough to get help from Hoyes, Michalos & Assoc.

When I first contacted Hoyes Michalos ,I was scared and unsure of what to do with my finance as my life had change quite a lot in pandemic.When I spoke to Howard a month ago ,he explained to me what my opinions were.It was my decision and he fully supported my decision. Today I had my first counselling with Patty and the relief I felt at the end of our appointment was amazing.
All of the team reply to emails so promptly with satisfying answers as if they are texting you back.Everything fells into place and I’m grateful to meet Howard and Patty and thought of taking few minutes to appreciate their excellent service. Second counseling was great too .
Thank you Patty and Howard.
Shazia .

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! :)

Billy at Hoyes and michalos has been wonderful. He is easy to talk to, understanding and very helpful. He explains everything, and takes you through every step I am grateful for all his help