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

I feel extremely confident moving forward and having some assistance with the things that I just don't know yet. Can't wait to see where this help takes me

I experienced some unexpected financial hardship and felt overwhelmed. I am so happy that I called Hoyes Michalos and worked with Jason. He helped me find a path forward during this difficult time. Thank you !

Diane was absolutely amazing to deal with. She was patient, understanding, helpful, and very knowledgeable on this subject. I was very satisfied with this service because she was encouraging and detailed with her recommendations. This is exactly the business you want to call if you need help with any type of debt solutions or credit counselling. I’m very greatful I found her, i actually discovered this service on Google, thanks again Diane!!

Very professional organization. Ian is exceptional. He is sincere, knowledgeable and has a fantastic sense of humour. I am very pleased with their service.

Hoyes Michalos was a great company to deal with during this trying time in my life.
They navigated me carefully through my bankruptcy. Now I am finally discharged.
Freedom at last.

For the last 5 years I had been trapped in a very large amount of debt and had multiple creditors needing to pay off each month totalling over $1600 and overall debt of over 35K. The sheer stress and financial burden was really affecting my day to day and overall mood which was at most times not the best. My friend told me about Hoyes, Michalos & Associates and how he was getting his Debt under control through this reputable company. I asked for the number and 3-4 weeks later I am in this position - Now Paying a mere fraction of what I was previously paying out which at the time was ALL interest and Zero principle.I would have never climbed out of debt. I have been given a chance to rebuild my credit properly and The best part is now 59 months to debt freedom! LFG!!

Benny and his colleagues at Hoyes, Michalos were fantastic to deal with and are true professionals ! Benny made things very easy to understand and was clear cut. Very happy and grateful man today all because of an initial phone call

THANK YOU Hoyes, Michalos & Associates!!! 🙏🙏

Thanks to Benny for helping me settle my debts and get a new start. I was so overwhelmed with calls, letters, texts and emails until I found these people. They started the process right away and was very patient and supportive. I highly recommend

Like so many others, I thought I could scrape along and dig myself out from under my debt. I finally got to the point where I was doing everything I could and still wasn't getting anywhere.

I screwed up my courage and called Hoyes. I was connected to Scott Schaefer, and by the end of our conversation I could see some blue sky and sunshine on the horizon. I am so very grateful for his hard work on my behalf!

If you are walking along the pathway I was on, do yourself a favour and make the call. There is hope and help out there. I'm proof of it.

I was reluctant to consider the options to help me move forward. Ian made it easy to understand my options and how the process worked. Any inquiries I made were answered promptly and in detail. I am very happy with my result and ready to begin a new chapter. Thank you for your dedication to changing peoples lives for the better. I look forward to our continued relationship and will be referring you to friends and family!!

I came into a hard time in my life. I was looking for help and this office appealed to me. When I booked my first appointment I was so scared. The first person I got to meet with was Patty. She was so nice and made me feel at ease. She was very understanding of my situation, gave me great advice, and even made me laugh a few times. Knowing that my future appointments will be with her is great. It will make everything so much easier and stress free. I know for sure if anyone I know needs advice, I will definitely recommend this office. Thank you so much Patty and everyone from Hoyes,Michalos & Associates :)