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WE'LL GIVE YOU A PLAN TO BE DEBT FREE

I cannot say enough good things about my experience with everyone involved with Hoyes, Michalos and Associates. Pleasant and non stressful

After my divorce was final in 2018 I managed to pile up $42,000 in credit card and line of credit debt. Being stressed not knowing what to do, I turned to Jason and his team of professional trustees at Hoyes, Michalos & Associates Inc. I filed with him and his team, and took out a consumer proposal over 5 years at very low managable monthly payments. I am proud to say I never missed one payment and as of February 2024 it has been completed. The time it showed on my credit history as being paid in full was very fast. 10-15 Business days. New Year, New score. Thanks a bunch Hoyes, Michalos & Associates Inc. I will defiantly recommend this service.

Scott Nicholls. “Satisfied Customer”

Hoyes, Michalos & Associates and specially Maureen was kind, helpful and very knowledgeable. Maureen assisted me with my Consumer Proposal. My Consumer Proposal is now paid off and I am closer to getting financial security back. I would recommend Hoyes, Michalos & Associates to anyone.

I had the pleasure of dealing with first Billy then Beau! Billy was very kind and informative he helped me with my initial consultation and made the process painless, Thank you Billy... you helped me fully understand the whole process and as mentioned you made it easy! Beau is FANTASTIC! Within the first 10 mins of our first meeting I was completely comfortable! Beau your genuine compassion and empathy for people is truly a special gift! Thank you so much for your help!
I have and will continue to recommend you guys😊

Scott Terrio and his associate have been extremely helpful, understanding and patient with me for this whole process of applying for a consumer proposal. I couldn't have had a better experience dealing with such a high stress inducing aspect of my life. Since working with Scott, I've felt significantly less pressure in my life knowing that I'm actually being taken care of. Any information I've requested due to my lack of knowledge of the field was welcomed and offered to me with kindness and patience. Thank you Scott Terrio, Hoyes, Michalos & Associates! I truly am so grateful for your help with my financial situation.

A lot of people are into debts but only a few know about consumer proposals unless they’ve gone out and done their research. When I first contacted Hoyes, Michalos & Associates, I had no idea what the firm was all about. Customer Service was quick and efficient to answer my call. The rep explained very well how it works and I was then connected to a Licensed Trustee Manager Scott. He guided me through all the steps and what to expect of the consumer proposal program. I was mentally burned out. My back-to-back debts were taking a toll on me but Scott helped me understand. My debts were reduced to more than half of what I owe provided I make sure I put equal amount of work on my consumer proposal programs That means, making consumer proposal payments on time based on what is approved by the creditors, attending a credit counselling with the licensed trustee and successfully finishing the program. Scott is always there when you have questions, very knowledgeable and professional. A heavy burden lifted off my shoulders. Thank you🙏🏼 I highly recommend this firm and talk to someone today!

After years of being offered an increase after increase on various credit cards and loans, I was left feeling puzzled. I would never miss my minimum payments, and they were always paid early. However, I was always carrying a balance. Higher than it should have been, in my opinion. I was feeling puzzled because the increases being offered to me over and over were much higher than I could ever afford to pay back. Life happens, and unexpected expenses would come around, whether it was higher than expected bills, my dogs vet appointments, education, etc. The banks and credit card companies were so eager to increase my limits every few months, even though I was always near the limit. This was so confusing to me. After years of constant increases and what have you, I reached my breaking point. This wasn't manageable for me anymore, and clearly, these companies were very much aware of this. They knew what my income was and obviously had access to all of my financial records and yet wanted me to borrow more continually. Why? After months of stress, anxiety and sleepless nights, I decided to do some research, which was when I came across Hoyes and Michalos. I called and was transferred over to Doug Hoyes himself. He was very friendly, empathetic, understanding and spoke my language. He was very well informed and made me feel a sense of calm. He gave me vast amounts of information and let me know where to go to educate myself so that I could make a decision that worked best for me. After doing so, I scheduled an appointment with Doug. I was greeted by very friendly faces in a judgement-free zone. Doug made me laugh and was extremely helpful. After submitting, I had many questions and sent many emails regarding updates. He would always respond within an hour and always remained very friendly and just as helpful as he was during our very first interaction. Doug managed to slash my debts by nearly 65%! For months, even years, I felt as though I was drowning financially, and now, I can manage. After finding out, I felt all of my anxiety slip away. I am now able to understand and manage my finances easily. Hoyes and Michalos genuinely care, and if you feel as though you are drowning and have reached a dead end, I urge you to make that call. You won't be disappointed. Also, for more information to help you better understand the options that are available to you, listen to Doug's podcast "Debt Free in 30." You will learn something!

Everyone was extremely helpful and professional during a stressful time. Thank you to Jamie for expertly handling my consumer proposal. If you're struggling with debt, I would highly recommend speaking to Jamie and the team at Hoyes, Michalos & Associates. Top notch support and follow up throughout the whole process!

Unfortunately, I found myself in a dire financial situation. I tried to negotiate with my bank in order to put a reasonable plan together that was realistic and sustainable, but to no avail.
I contacted Hoyes, Michalos and associates whom made a careful assessment of the situation. They were easy to talk to and presented several options to remedy my financial mess. We found a solution together. I am very grateful for their services and the understanding and kindness they showed me during a very difficult time in my life. Thanks to the entire team!

I was completely overwhelmed with small loan depts. I had researched and found Hoyes, Michalos and Associates. I reached out online and was immediately connected with Howard, who is by far the most kind, sympathetic, and helpful person I've met. Unlike others, he didn't make me feel more hopeless than I did already. He walked me through the entire process, told me all my options, and explained what would be my best options. He was very honest and upfront with my situation and found me a plan where I could pay back my debtors in a timeframe and with a payment plan I could afford AND be able to have money for groceries each month. Getting breathing room in my budget again felt like a miracle. I'm still very early in the process, but am very pleased. I would recommend, Hoyes, Michalos and Associates and Howard to anyone who is literally suffering with debt and feeling like there's no light at the end of the tunnel.