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

Rebecca and Tina are so kind and wonderful. They are very helpful and very easy to talk to, they answered every question without any issues. My experience has been so amazing because of them. I was so scared and nervous going into this and they made me feel so much better and comfortable. I highly recommend them.

I want to express my gratitude to Benny for his invaluable assistance throughout this process. He patiently guided me through each step, explaining everything clearly and addressing all my concerns. Thanks to his support, the process was smooth and efficient. Benny's patience, empathy, and unwavering support made navigating this complex journey much easier for me. I highly recommend Hoyes, Michalos & Associates for their excellent service!

Mr. Scott T. is incredibly patient with me to the point of answering same questioned i had repeatedly . He explained every details to me made sure understood what needs to be done .
My consumer proposal has been approved sooner than I expected by his help. I'm genuinely happy of the result. I was skeptical at first but based on my experienced, I would definitely RECOMMEND HOYES MICHALOS, try getting their help yourself, they won't disappoint you.

Thank you! Amazing Team.

Arsenia 🙂😁😁

Today I received my Certificate of Discharge, I feel liberated. For years I had stressed and worried about the debt I was in from a business venture gone bad over 10 years ago, and I had no way out of. I knew my only option was bankruptcy but I kept putting it off because I was afraid of the process and I didn’t even have all of the information I needed because I didn’t have access to any of the paperwork from that business venture. I had such terrible opinions about bankruptcy. I struggled with the choice of bankruptcy. UNTIL a family member gave me the push I needed to just make a phone call and inquire about my situation. I called the most reputable company I could find in my area, I am so happy I did. Within 2 minutes of speaking with someone ALL my worries and doubts we’re gone. Within a week I was assigned a Trustee, and we started the bankruptcy process. He made it so easy, he was so informative and so supportive throughout the entire process, which to my surprise, was only 9 months!! I felt like more than just a client, he made me feel so comfortable and at ease. The ongoing support I received from Scott was amazing, and I just know even though my file is closed he will be there for me if I have any questions or need any advise in the future. I have and will continue to recommend Hoyes, Michalos & Associates to anyone searching for financial freedom. I want to very one to know that you do not have to live with guilt, stress, weight on your mind due to finances, give them a call and explain your situation, they will come up with the BEST solution for you and they will take care of everything.
Thank you Scott and Thank you Hoyes, Michalos & Associates for this new sense of Freedom I have.

All I want to say is Brett was great and Hoyes, Michalos was great. They provided me my options and the likely hood of proposal. All went great just like they said. If you need help just ask. We are in different times. Everyone has a different situation and needs help like Hoyes and Michalos.

Brett and Brennan have been extremely caring, compassionate and professional during the entire time. The knowledge I’ve gained will not be lost. Thank you

I am so over pleased with rebecca at the Windsor office. She truly helped me out the the fullest. Gave me excellent guidance. Has a kind heart very understanding. Truly I am blessed to have her help me out in my financial tough times. I give her 100 gold stars if i could.

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

We met with Maureen Parent and couldn't be happier! She is very knowledgeable about the whole process and was able to explain each step and our options to us in terms that we could understand. She made what can be a scary process into one that put our minds at ease. We HIGHLY recommend giving her a call!

I had been struggling with my finances for a while and was too scared to face the challenge of sorting them out myself so I contacted Hoyes, Michael's & Associates. I cannot say enough good things about the support I have received. Joel and Patricia in particular have been life savers. I have felt absolutely no judgement and in fact was very encouraged to not be down on myself for getting into this situation but instead be thankful I did something about it and to learn from it. Patricia is heaven sent. She explains things in such a relatable way and exhibits such patience for the things I do not understand and need some extra help with. I no longer feel afraid to tackle my finances with the support of this team. Thank you so much for helping me with something that felt impossible to do alone. You have changed my life and for that I am very grateful. Thank you thank you thank you!