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

I was hesitant at first, unsure if this was something that would work or even be possible, as my debt was getting out of control. However, Hoyes, Michalos & Associates took the time to clearly explain my options and helped me understand what I could do to get back on track. They consistently went above and beyond whenever I had questions.

They provided me with a clear path to regain control of my debt, and now I’m on track to becoming debt-free. I highly recommend reaching out if you’re feeling overwhelmed, even starting with a conversation can make a huge difference. I feel significantly less stressed and am truly grateful that I took that first step.

I am very happy to have done business with Hoyes, Michalos & associates Inc. The staff took the time to listen to me, to understand my concerns. It took several months after a consultation to decide to take charge of my finances. In no way did I feel any pressure from them. They waited until I was ready. Thank you to all your team. You have helped me a lot.

I met with Allison. She was absolutely wonderful. She made me feel very comfortable during the whole process and not ashamed which I was afraid of. She answered every question I hade and made me feel at ease. I am not so stressed out when thinking of my debts, instead I am now assured that everything will be dealt with. I highly recommend using Allison Petrie!!

Jamie is wonderful. She quickly puts your mind at ease when walking in to discuss a difficult situation. She truly is easy to talk to with no judgements. The service received at Hoyes, Michalos & Associates is A+. Would definately recommend them to anyone finding themselves in a difficult situation. They answer all questions and are very upfront. They will work with you to help you find the best solution that works for you. They help you through the entire process. Definately have helped take some of the stress out of my life! Thank you for everything!

Nicholas really took the time to go through all the information and get my consumer proposal the best rate. He made the process really simple and easy. I was very worried going into this but Nicholas truly helped me feel secure that I was making the right decision.

Nicolas and Diana were awesome right from the beginning of my journey.
They are very professional and non-judgmental!

I began with Nicolas who was over the top with explaining and putting me at ease.

Diana went up and above her duties for me.
My stress level actually disappeared!
They really care!

If anyone has to go this route, I highly recommend HOYES, MICHALOS & ASSOCIATES!

Great experience dealing with Jason Quinney and his team at the Brampton location. Would recommend 100%. I thank them for helping get a weight off my chest and for a fresh start!

Wow, I could have never imagined how fluid the consumer proposal process was going to be... Benny Mendlowitz reviewed my situation and quickly determined that it was the best avenue to undertake.
Really pleased that this option was made available to me...So relieved and at the same time flabbergasted at the results: being debt free and all the stress and pressure are now history for me.
Benny has so much experience, a true and genuine specialist in his field, demonstrating so much integrity, knowledge, and applying superior negotiating skills on behalf of his Clients.
For all this, I am very grateful, Thank you Benny.

I contacted Hoyes Michalos after years of trying to deal with debts and feeling like I couldn't keep my head above water. I received a reply to my inquiry very quickly and began working with Scott. He has been so helpful in explaining all options and helping me find one that works for my situation. He has continued to be a huge help, always answering questions and responding quickly to any emails or calls. I will highly recommend Hoyes Michalos and Associates in the future.

As you may be, I was also over whelmed by consumer debt. My lifestyle didn't match my overspending. By the end of it I had over 50k of debt with creditors. I was staying on top of my minimum payments for the longest time but was always spread to thin. I felt like I was working for free. It's a hard decision to tap out and admit you can't handle something anymore. I knew I didn't want to do bankruptcy again but felt I may have no choice. I had previously done bankruptcy 15 years ago when my father passed away, I couldn't emotionally do anything. The second time you file a bankruptcy it lasts 12 years. So with all this on my plate I did an internet search. Several companies came up, I chose Hoyes because like you are doing I read their review's. I love to promote businesses I love. These guys gave me great and clear options. The staff were always very friendly and genuine about my situation. I ended up getting approved for a consumer proposal. Which is much better than bankruptcy. I only have to pay back a percentage of the 50k and I get to keep my assets that I worked hard for. The money I was shelling out like a black jack dealer is now down to a small single monthly payment. So what the proposal is, the trustee in this case Hoyes, contacts everyone you owe money to and negotiates a much lesser amount on your behalf. Once all of the creditors agree to this then you are good to go. Once you pay off your proposal your credit will start to rebuild after 3 years from completion. So much better than the original 12 years I felt I was going to be stuck. The process was fairly easy I had a few appointments with Hoyes, they were extremely professional but friendly too as they understand this is a hard decision for anyone. I couldn't believe anyone could help me as I was stretched beyond my means. I would definitely recommend these guys and don't keep waiting and thinking about it. If you are at this point you're probably tapped out like I was. Once its all done, whatever you chose you'll honestly feel so much better. I know this was a long review, but I know people are struggling like I was and I felt it was more important than just giving a thumbs up to Hoyes. Thank you Joel and the team at Hoyes on baseline and Wellington in London. You truly are a great service! -Derrick G