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

Rebecca Martyn is wonderful. She is a very caring, sensitive and knowledgeable person. She always responds quickly and effectively to any of your questions or concerns.
I highly recommend her for your financial matters.

I can't tell you how much of a relief I have experienced the last two yrs since doing my consumer proposal. I had heard so many stories of why not to file a consumer proposal so I was scared when I first approached them with my situation, but I must say that my experience with Hoyes and their team has been very good. Benny has been great he has guided me through the whole process. I was in a position where debt was taking a toll, living pay cheque to pay cheque and feeling exhausted from not getting ahead working working but not seeing results because all my income was going to debt. I'm half way done into my proposal and I have been able to learn about budgeting, their counseling sessions were great, judgement free, most importantly they were there to answer any questions or concerns I had. I highly recommend Hoyes. I have been able to save and my credit score has improved significantly. Highly recommended.

I was so devastated, beyond scared and embarrassed to have to take this first step.
It took me months of avoiding calls from creditors, envelopes, emails etc... basically just "turtling" myself into a deeper hole.
From the moment they answered my call, I was met with kindness, understanding and professionalism. They didn't treat me as someone who had done something wrong or had some life circumstances create this mess. It was easy, the meetings were painless and informative and I can say that it truly did help me go in a better path.

One person in particular I want to point out, was Beau Humphreys. He was amazing!! He wasn't just a Hoyes employee. He treated me as a person. He was real, sincere, honest and an overall great person. The kind of guy I would want to go and have a few beers with if it was appropriate. I appreciated his time, help and support through the experience.

Thanks for everything,

Jenn P

I would recommend Hoyes, Michalos & Associates to anyone looking for help, great team and friendly staff.

You folk out there who may be deep in DEBT and are looking for a company that can help you out out of it, look no further then Hoyes .Michalos. I spend over a year looking for Licensed Insolvency Trustees & Credit Counsellors who could offer me Consumer Proposal • Debt Consolidation • Bankruptcy Etc., and actually tried some of them briefly to see what they had to offer and what my options were, but no one stood out who believe I have other options other then Bankruptcy, which actually is your last resort. I especially want to personally thank Benny Mendlowitz Licensed Insolvency Trustee in North York office and his whole team who were very professional and confident in taking my case and finding me the right solution to solve my debt issue, where I 100% believed Bankruptcy was my only option considering the amount of debt I was carrying. Hoyes .Michalos have team of professionals who know have all the necessary tools to negotiate with not only your creditors but other like Canada revenue to protect your Asset and find you a fair deal. I cannot thank them for all they have done and build back my confidence to start fresh, and provide me with Financial consulting and necessary tools to manage my monthly expenses.
Thank you,
Randhawa

I was facing some pretty serious financial issues, and finally built up the courage to get some help. Thankfully I found Jason Quinney. He is a down to earth guy that's very easy to talk to. He walked me through and made me feel comfortable in all the steps I had to take. Thank you for helping me get my fresh start.

Scott has been a pleasure to work with, very knowledgeable.

Right from the word go, I felt Hoyes was the right Trustee to help me. The representative I delt with was very knowledgable and prompt. I would entrust my financial issues with Hoyes any day any time.
Thank you very much

If you are facing financial hardship and considering a bankruptcy or consumer proposal I highly recommend Hoyes, Michalos & Associates.
Benny and his team are very professional and comfortable to talk with. He will help you understand the process step by step.
I am very thankful to you all.
SPECIAL THANKS to BENNY 🙏 I wish you all the best.

Super happy with my experience. I dealt with Rebecca and she was extremely knowledgeable, helpful and patient with me. I had to change our meetings a few times due to being called into work last minute and she was very accommodating. I would highly recommend these guys to anyone else that would need their service! Thank you guys!