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

We where in dire straits 2 years ago when we contacted Michelle and the team at Hoyes, Michalos & Associates. It has been a rough couple of years, but with the help, integrity and guidance from Michelle & Michael, we can not recommend this firm and their Team enough. Action conquers fear, please reach out to these people and start your journey.

Very helpful, informative and straight forward. If you need help financially then I highly recommend them.

I recently had a credit counselling session with Hoyes, Michalos & Associates, and I couldn't be more satisfied with the experience. Brennan Thompson was professional, knowledgeable, and very helpful. He provided me with clear, step-by-step guidance on how to rebuild my credit, as well as useful resources that I could easily access afterward. The process felt personalized, and I never felt rushed or overwhelmed.

I also worked with their trustee, Benny Mendlowitz, regarding my bankruptcy issue. He was incredibly understanding and provided clear information that helped me navigate a difficult situation. Additionally, Brennan's assistance with my OSAP concerns was invaluable, ensuring I had everything I needed to move forward.

If you're looking for support in managing debt or rebuilding credit, I highly recommend Hoyes, Michalos & Associates. Their expertise and supportive approach made a real difference for me.

I was in a financial crisis beyond my control .the creditors were calling me costantly at all time ,day and night and even my account was frozzen ...then I desided to call Hoyes,Michalos and Associates and they help me with a propousal to my creditors to pay my debs .now I am paying what I can afford to pay monthly..no more harassment phone calls, and now on my way to be deb free Thank you Janette Martin for your counselling and support

I spoke with Ian a few days back regarding possible options to get out of debt. I was expecting a quick call and also assumed Consumer Proposal would be the solution. Not the case!! Ian took his time and explained all of the advantages and disadvantages to all my options. In the end he suggested two very great ideas for me to attempt first (which I had not considered prior to). Neither of these options were through his company. He told me to call him back if I run into any issues, or just if I had any further questions. In my opinion this company, and especially Ian, have mountains of integrity. I cannot express enough how valuable this conversation was to me. If you are considering getting out of debt, and need help, I would one million percent recommend Hoyes, Michalos & Associates!!! Thanks again Ian!!

Excellent service. Guranteed. No hidden charges. Amazing dependable.quite satsfied

Hoyes & Michalos is a really special organization!! Its like no other. There is so many scams going on around nowadays, I can assure you. These people are authentic!!! Really appreciate all the work you guys put in for me.

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!

Professional, helpful and excellent service to receive the help that I needed.

What a great experience I was in contact with Ian and alls I can say is he was amazing person to deal the hole team was absolutely great