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

I came to the firm in absolute distress. Most people think that you get into debt because you don’t want to pay your bills but that was not the case. My back was against the wall and saw no way out. I contacted the associates to get advice and to be honest, what I got was a full night sleep for the first time in years. Hoyes, Michalos and Associates made me to feel valued and educated me on the pros and cons of options available to me. Jason Quinney was transparent, respectful and non judgmental. I did not feel like dirt under his feet but a human being that deserved another chance. It should also be noted that the office staff are equally knowledgeable and extremely helpful. The association gave me the changes to start over again and for that I am truly grateful.

Mark and Michele are always understanding, knowledgeable, and professional. I trust them completely with my affairs and I would recommend them to anyone. Thanks so much!

Hoyes, Michael's and Associates are great to conduct business with. Both Mark and Janette are warm, non-judgemental and informative. Their communication skills are top notch. I highly recommend this business.

I was very impressed with Benny who worked with Hoyes, Michalos & Associates. He was very knowledgeable and eager to assist me. I was very comfortable talking with him right from the start. He answered all my questions and he helped me to feel at ease. He was very thoughtful and caring and he understood what I was going through. He explained the necessary steps of a consumer proposal with me, and he was always there if I needed help. I would honestly say, from start to finish, the whole process went smoothly with positive results. I had a follow up meeting with Janette and she was a lovely person to talk to and very caring and understanding. I would definitely use Hoyes, Michalos & Associates again and I greatly recommend their services to all my family and friends. A-1 Service! Thanks Benny and Janette!

Hoyes, Michalos & Associates, are great at what they do , very informative and on the ball , gave me room to breathe again and get me back on track with finances. I Personally recommend to give them a call if your struggling and stressed out with finances, very friendly staff and go out of their way to make you feel better about your finances and credit.

Peter is a delight. Super supportive and helpful. Made the entire process so easy. Thanks so much!

5 star experience with Hoyes, Michalos & Associates, cheers to Brett Nicholson, our Trustee. Financially, 2025 found me in the worst moment of my life, some bad decisions/investments from 2022-23 brought me to a terrifying moment when every month I had to fight a crazy battle just to manage to pay my interest on loans and the bills due. In the moment we could no longer see any reasonable way out of this situation, debt being absolutely overwhelming, we decided to contact Brett. I honestly believe now that it was the best thing that we could have done. I felt from the first conversation that he can and he will help us, that we can trust him, and we followed all his advices in filling our consumer proposal. We met a very professional team, Brett, Janette and Proposal Department and they did an amazing work, our proposal, and I really consider it to be absolutely fair for us, being accepted by Creditors. So finally we can enjoy life again and I highly recommend Brett Nicholson and Hoyes, Michalos & Associates.

I finally have been given a fresh start! Its rough few years financially but Jason made me comfortable and knowledgeable enough to take the next step to get back on track. I have been able to create a budget as well as learn saving and credit rebuild tips. Highly recommend

It is not easy to ask for this kind of service. Embarrassing for me but Shannon and the staff made me feel comfortable and explained everything in detail and made sure we understood everything. Never pressured us to do anything. I highly recommend them.

As a first time single mom swimming in debt, Adam from Hoyes and Michalos helped ease the stress. Best decision I have ever made. They are super understanding and actually care about their clients. They show you all options and talk you through everything, if you dont understand just ask and they will explain differently. I cant thank them enough, thank you so much!!