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

From the very first time I spoke to Alison I knew I had made the right connection during a time that was extremely stressful and embarrassing for me. Alison gave me a detailed description of the options available to me and it was obvious that bankruptcy was the only option that made sense for my situation. My initial appointment was set up quickly and the rest is history as they say. The whole process was painless and I was put at ease immediately . The relief I felt was wonderful. Any time I had a question all I had to do was send an email and I quickly received a response/answer. Thank you Alison...and the Hoyes, Michalos team!

I usually dont do reviews...BUT this one I had to do. I didnt read any other reviews thus far, but all I have to say about this firm is that it is well run professionally. If there are any BAD reviews about this firm/establishment(s) is it false, and I can attest to that. Brett, the guy that took my case, was very prompt, HONEST, and professional. I really liked that he took the time to let me decide what I wanted to do, rather then be "pressured" to make a sale or contract to his benefit. I have been inquiring about his firm for well over a year, and still followed with me. The timing was right, and unfortunately covid 19 took its toll on me, and Brett was there to help out and give me a fresh start, while trying to minimize the damage as much as possible. I really recommend this to anyone looking to get out of debt! Yes there are some downs, but with this covid pandemic going on for at least a year or two before things are normal, take advantage and start fresh. Credit (at least for me) is not an essential right now, so clear the slate and take the new year in a positive financial way!

Very helpful,not judgemental,very friendly appreciated all there help

I have nothing but good things to say about this company. At a difficult time, they helped me through. Informing me of my options and clarifying any questions, concerns I had. They didn't judge me or my situation. They treated me with respect. Their front end staff is polite and helpful. If finding yourself in a position were you would need a company like this, I highly recommend them.

Very thorough and responsive. They helped me figure out the best course of action and explained everything in detail.

Nicolas and Diana were awesome right from the beginning of my journey.
They are very professional and non-judgmental!

I began with Nicolas who was over the top with explaining and putting me at ease.

Diana went up and above her duties for me.
My stress level actually disappeared!
They really care!

If anyone has to go this route, I highly recommend HOYES, MICHALOS & ASSOCIATES!

Mark is FANTASTIC! Took the time to explain the whole process AND answer all the questions I had. (There were a lot of them) The only regret I have is not going to see him sooner! If you are struggling financially… as many are these days… then stop procrastinating and do something about it! Give Mark at Hoyes a call!!!

Very helpful, explain things that sometimes have no idea about, so they don't leave you wondering and saying "huh?" Great team,.... They do all the dirty work while you are able to sit back and not worry.

Maureen was awsome to work with!
Everything was clear and well explain to me. Now to reaching that goal! Thx a bunch hoyes and especially Maureen!

My Trustee was Sandra Sykora whose is the consummate professional. Her incredible attention to my situation and amazingly quick responses to any and all queries I sent her way, truly made this process sooo much easier. She was there to guide and advise as needed. I truly could NOT have asked for a better person to work with when going through my financial restructuring.
I highly recommend Sandra and this firm for anyone considering this step in their life.
Oh and the location at Yonge and Bloor on the subway for those that need but for me was just a walk away which made things all the better.
Thank you HMA for your assistance!