GIVE US 30 MINUTES
WE'LL GIVE YOU A PLAN TO BE DEBT FREE

The whole experience was smooth all communication was timely. I'm glad I went with Hoyes, Michalos & Associates. Specifically thank you Douglas Hoyes it was a pleasure working with you!

Hoyes, Michalos & Associates, were extremely helpful every step of the way when I filed my consumer proposal. They walked me through every step and were available by phone and email to answer any questions I had during the process. Benny, Janette, and the rest of the North York staff put me at ease and made this process very easy. I researched a lot of agencies and I am happy that I chose Hoyes, Michalos, & Associates.

I got referred by my sister to Jason Q., he is amazing at what he does, he has put me at ease, thank you so much Jason, definitely will recommend to anyone looking for a consumer proposal.

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.

All the people that I have seen or talked to at Hoyes, Michalos & Associates have treated me with respect. They have answered all of my questions. They explained all the steps that they would help me with to becoming more responsible with my money. I would recommend them to anyone who was looking for help from debt relief and the stress that comes with it.

You folk out there who may be deep in DEBT and are looking for a company that can help you out out of it, look no further then Hoyes .Michalos. I spend over a year looking for Licensed Insolvency Trustees & Credit Counsellors who could offer me Consumer Proposal • Debt Consolidation • Bankruptcy Etc., and actually tried some of them briefly to see what they had to offer and what my options were, but no one stood out who believe I have other options other then Bankruptcy, which actually is your last resort. I especially want to personally thank Benny Mendlowitz Licensed Insolvency Trustee in North York office and his whole team who were very professional and confident in taking my case and finding me the right solution to solve my debt issue, where I 100% believed Bankruptcy was my only option considering the amount of debt I was carrying. Hoyes .Michalos have team of professionals who know have all the necessary tools to negotiate with not only your creditors but other like Canada revenue to protect your Asset and find you a fair deal. I cannot thank them for all they have done and build back my confidence to start fresh, and provide me with Financial consulting and necessary tools to manage my monthly expenses.
Thank you,
Randhawa

My experience with Jason Quinney was great, he saved me drowning in debt problems. I will always be grateful for these great people. Thank you Jason.

I had an excellent experience with Hoyes, Michalos & Associates. The entire process was explained clearly, and I always felt supported throughout.

Jason, in particular, was incredibly helpful — he guided me step by step with patience and professionalism. He helped me in solving my debt and made sure all my questions were answered. Everything was handled smoothly and efficiently.
Thanks to his efforts, the process was completely stress-free.

I truly appreciate the support and would gladly recommend Hoyes, Michalos & Associates, especially Jason, to anyone in need of debt relief or financial assistance.

Great experience. Jennifer and her team at Hoyas, Michalos & Associates has helped me through my entire journey of the bankruptcy process the entire way. They are here to help and that's what they did. If you need help regarding your financial situation come to Hoyas, Michalos & Associates, you'll be in good hands.

Amazing! The lady that helped me was very good at helping me understand my proposal. They do the absolute best they can to ensure you can afford monthly payments and work hard to get you where you need to be financially. Definitely 5 star service!