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

needed help getting back on track financially. Can not say enough good things about Hoyes, Michalos and of course Billy Martell who made the whole process seamless. What a relief to finally have things cleared up and us on a much brighter path now!

Hoyes, Michalos & Associates helped me navigate my personal finances in a way the left me feeling in control and like I made the best decision for me. The process was quick and easy and they were always available for the many questions I had along the way.
A special thank you to Jason for making this process as uncomplicated as possible.

Scott, the agent who handled my case was very quick logical minded, organized in his work. With his help, I was able to prepare all the documents easily, and got the approval in the first try. They are really good at what they do, and know how to get the job done. I highly recommend this company to anyone in financial difficulty.

Mine is a familiar story… drowning in credit card & tax debt in excess of my annual income & monthly ability to repay, plus being constrained by a hefty garnishment, I was at a really low point - deeply disappointed in myself & ashamed for putting myself in this situation. I felt I was really sitting outside the door of bankruptcy & very anxious about it. In researching that process, I learned about Hoyes, Michalos & Associates & their services to assist with debt relief. I decided to call the office of Sandra Sykora to make an appointment to speak with her.
Right from the start Sandra let me know that there were options other than bankruptcy to help relieve my situation. In that first really open & friendly meeting, Sandra clearly took me through the options & the process for filing a consumer proposal, answering all my questions With a debt relief plan, rather than bankruptcy & the garnishment suspended, a huge weight was lifted.
When problems with one of the creditors arose, Sandra & the team at HM provided exceptional assistance and support to resolve the situation. Their incredible attention to my situation & quick responses to any and all my queries put me at ease throughout the process.
With my consumer proposal accepted, I am hugely relieved at having the debt reduced & an affordable plan to repay the remainder.
Anyone looking for guidance in dealing with an overwhelming financial situation can rely on the professional team at HM. Give them a call, have a complementary conversation with one of their licensed trustees – you will be in good hands to help you sort out your own situation!

Great group of people & stress free. I’m gald to meet Doug. He lifted that debt off my shoulders. Thanks Hoyes, Michalos & Associates Inc. you guys are the best!

The consumer proposal HM did for me went very smoothly. A lot of companies try to make extra profit by confusing you about the process. With HM everything was upfront and crystal-clear from the beginning, very professional, empathetic and friendly service. I worked with Beau for my credit counselling sessions afterwards, which was very informative and useful as well.

This place is professional and very helpful. I recommend this company to use their services if they find themselves in need.

They answered all my questions and listened to my concerns to help our family make the best decision possible. They are very knowledgable and professional. Would highly recommend them!

Extremely quick to act on your behalf. Responsive, informative and non judgmental.

Diana - Client Services, and Nicholas - Licensed Insolvency Trustee, are both very polite, extremely intelligent, and incredibly helpful. I am so glad I called Hoyes / Michalos. They really took care of me.