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

I reached out one day and within a few days Jason had all my worries corrected for me! Fast and professional help! I would recommend Hoyes to anyone that need help getting out of financial difficulties! Thanks for everything!

I am so grateful for the outstanding support and assistance during a very trying time in my life. HOWARD and the wonderful team at Hoyes, Michalos and Associates were there to answer my questions and have paved a new path going forward. They have an incredible website and tools that will help me succeed in starting over following my consumer proposal. Thank you!!! Denis

This office helped me in ways I could not have imagined. I had reached out to them to bounce off a question I had about managing debt. Ian listened to my question and then he asked about my full situation, he listened through it all. Ian provided me with an answer to my question as well as some provided me with some options that I did not even know existed. Because of his recommendations I decided to go a different route in managing my debt than what I had originally intended to do, which was amazing! Not only was the process simple it was also seamless. The stress and pressures are now off my shoulders and I can actually start to live life with possibility and hope. Hoyes Michalos stepped in and stepped up to help me on my journey of becoming debt free. If I could, I would give them 10 stars for amazing service, great options, and the added support I needed.

Thanks to Hoyes, Michalos & Associates Inc. for making my financial life easier and better now . Ive come to their office with fear and stress and they were able to help me from day 1 by giving me a very good solution. Special Thanks to the Trustee who handles my file , Benny Mendlowitz, who is very knowledgeable, confident and put a lot of effort on my case. From the time I signed , the proposal was filed same time and I don't have to go through a lot of phone calls from the creditors because of Hoyes very well structured process in place, including the support of administration. They get back to you right away whenever you have questions and very responsible in updating the status of your file even if not asked. Very professional from the staff to the Trustee and the rest of the team. Thank you for all your effort and very smooth process, I am now in a better financial situation because of your help and professionalism. Not only , you mean business but you really care for people especially those like me who wants to have a better financial life. Thank you very much, appreciate your big help!

When I first approached bankruptcy I was nervous and unsure of what my options were. The pros at Hoyes, Michalos & associates were able provide me with every thing I needed to take the pressure of this difficult experience. Also their customer service was outstanding. Thanks!

I am extremely grateful for the support, help and guidance I received from Hoyes-Michalos, especially Rebecca Martin during one of the most stressful period of my life. They walked me through every step of the process and explained to me the options in a way I could understand it and never made me feel judged. I truly appreciate everything she did for me and would definitely recommend their services to anyone facing financial difficulties or looking for a trustworthy advice.

Everyone at Hoyes was extremely helpful and professional. They made something as stressful as facing your debt and diving into your personal finances as comfortable as possible and helped me get right back on track.

Ted and the whole team here have been super helpful with everything. I have learned some new things I wish I knew about years ago with credit building and getting new start. You have someone on your side when you pick them as your coach. Much thanks all!!! If you choose them for trustees u got a winning team!!

Best staff ever Peter and Brennan are the best people they understand your situation and put out their best to help u

Brett and Maryia were both very knowledgeable and very helpful in the Consumer Proposal process. I was very scared going into it expecting it to be difficult; they made me feel very at ease and made me feel like I was really making the best decision for my financial issues

Thank you!