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

I felt immediately at ease from my very first phone appointment with Rebecca. She was very kind and helpful. Rebecca was quick to respond to my many emails and answer all of my questions. I highly reccomend Hoyes, Michalos & Associates to anyone who is seeking debt relief! I was greeted with kindness and helpfullness and I never once felt judged. The kindness and helpfullness really put my mind at ease and I felt a huge weight off of my shoulders. I now look forward to my fresh start thanks to Rebecca and Hoyes, Michalos & Associates. Thank you from the bottom of my heart!

I was a client of Hoyes & Michalos about 5 years ago and I finished my consumer proposal about a year ago. It was the absolute best decision I have ever made. This program saved my life. it gave me back my marriage, my friendships and my relationships with my family also. I appreciate all that they did for me, they gave me a voice to explain to others that there is hope out there. They don't have to suffer alone with all their debt. I have an excellent credit rating now. I currently owe $350. on my credit card from Xmas that I will pay off in full this month. This program literally changed my life in every respect. I now live on my budget that came from Hoyes & Michalos. I will never go back into debt again. I can't thank this company enough for all they did and a special thank you to Joel Sandwith for all he did and the little hug he gave me afterwards sealed the deal. Many many thanks. Sincerely Shel :)

Everyone has been super helpful, pleasant and easy to speak with. I have felt comfortable and assured through the entire process

Doug Hoyes and team are incredibly knowledgeable, accommodating and most of all, kind and understanding. They put you at ease through the entire process and guide you through it step by step. I knew after speaking to Doug versus others in the industry that I was making the best decision.

After i lost my job during covid, and i got overrun with debt trying to stay afloat, I really had no idea how to even begin to fix things. It all seemed insurmountable, but Hoyes, Michalos & Associates really helped make things easy. They really do make things much easier, and they understand how difficult it is to just step through the door. I couldn't recommend them enough for their expertise, compassion, and ability to help me get back on my feet. If you're unsure whether this is for you, seriously, just call. You won't regret it, I promise.

Mr. Jason Quinney was very helpful when I was in a very bad financial place in my life. For those wanting a fresh restart on your financial life, I highly recommend this firm, but above all, I recommend Jason, he's professional, patient and helpful. Made the process simple and efficient. I couldn't be happier with the outcome. Helped me make my unfortunate situation feel a lot less stressful. Highly recommend them with their excellency and professionalism. Thank you Hoyes, Michalos & Associates for your wonderful service..

I was hitting rock bottom with debt and reached out to Hoyes Michalos & Associate and spoke to Rebecca she is very understanding and makes you feel comfortable, I would definitely recommend her to family and friends.

today, marks exactly 1 month since I have received my Certificate of Discharge in the matter of my bankruptcy (December 25th 2021) - None of this would have been possible if not for the compassion, respect, support, professional advise and guidance provided to me by Brett Nicholson and his team (Maryia & Judilyn) - I am forever grateful to them as my journey ended with a 'fresh start" - again thank you soo much .
Joane G.

Scott Terrio- absolute legend. Doug Hoyes- absolute legend. If they could share the Prime Minister role, our country would be in a better place. I'll settle for them helping me sort out my financial situation and moving forward in life.

I was struggling to make ends meet for years and I believed there was no way out expect to bite the bullet and be miserable for years. To my disbelief, I came across the concept of consumer proposals. The idea of reducing your debt by up to 80% sounded ludacris! After doing some research, I came across a Reddit thread of individuals discussing their success stories. One of those success stories expressed their gratitude to Hoyes Michalos as being the best, most trustworthy Licensed Trustee corporation. Reddit being a reputable "word to mouth" source of information and the comment being highly rated, I googled "best consumer proposal company Cananda" and with no surprise, Hoyes Michael was the first listed corporation. The consumer service, proposal process, and time it took from application to approval was all steamless, a delightful, and professional process. I feel the heavy mental burden of carrying high interest, multiple loan debt stress is dissolved and now I'm able to manage my finances, save, and budget without restless sleep. I highly highly recommend Hoyes Michalos to anyone in need, especially dire need of a financial reset! It was the best decision I made towards my financial situation! It completely changed the trajectory of my life and I'm forever grateful for Brian McIlmoyle for getting me through this! Bravo Zulu!