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

I highly recommend Hoyes, Michalos & Associates to help throughout the bankruptcy process. They are very good and will guide you through to a fresh start

The experience has been surprisingly pleasant and I am learning a lot in regards to dealing with the circumstance. Ms. Sykora has been helpful, informative, and a wonderful guide through the process.

I really want to encourage anyone who is thinking of reaching out, to take the leap and do so. This team is so warm and understanding, I am so grateful for them and am so glad I decided to make this call.

In my free consultation, Benny was so helpful and supportive. We talked about all my options. It was totally painless.

I went in overwhelmed and scared, but after talking to Benny and Janette, I left feeling so hopeful and confident. The biggest weight lifted.

You really have nothing to lose, I promise these guys are so understanding and approachable. Free consultation. Seriously just call them.

Good luck :)

Benny and Janette made a difficult situation much less stressful and were great throughout the process. Highly recommend

I want to start with a big THANK YOU to Jason. You are a gem. So glad to find you and getting into a fresh start with my financial situation. Jason is professional Knows his job very well and get things done like a magic. Thank you so much for saving me.

From the time I realized I would be needing some help, I was a nervous wreck. Didn't know what to do or who to go to. Then a friend of mine told me to check out Hoyes Michalos.

As soon as I received the first e-mail back I felt like I was in good hands, but was still a bit apprehensive about the whole process. Not being a homeowner, I didnt know which options if any would be there for me. After going through a phone interview with Scott Terrio, I agreed to come in and put my cards on the table and go from there.

From the first meeting with Scott, I felt at ease and knew that I would be taken care of. He thoroughly explained the process, and what the next steps would be in completing my Consumer Proposal. After the meeting when all information was exchanged, I left the office happy and like a weight was lifted off my shoulders.

When I went back in to the office to finalize the Proposal, I got to sit down with and meet Doug. He gave me a rundown of the timeline and any other new information that came about. The only thing left to do was wait for the creditors to respond, but I never had a doubt that it would not be excepted.

I was approved, and now have more financial flexibility and security going forward. Both Scott and Doug helped me out immensely. Even during the process, when one of my old creditors tried to harass me for payment, both Scott and Doug went above and beyond to help me out.

I would definitely recommend them to anyone who may be going through a hard time. There is a way for you to get out of your troubles, and that way is to contact the team at Hoyes Michalos.

I came to the firm in absolute distress. Most people think that you get into debt because you don’t want to pay your bills but that was not the case. My back was against the wall and saw no way out. I contacted the associates to get advice and to be honest, what I got was a full night sleep for the first time in years. Hoyes, Michalos and Associates made me to feel valued and educated me on the pros and cons of options available to me. Jason Quinney was transparent, respectful and non judgmental. I did not feel like dirt under his feet but a human being that deserved another chance. It should also be noted that the office staff are equally knowledgeable and extremely helpful. The association gave me the changes to start over again and for that I am truly grateful.

Thank you Hoyes, Michalos and Associates! I'm on the road to being dept free!

Jennifer was amazing to work with. Flexible, Responsive, and Friendly. Jennifer puts you at ease through an otherwise difficult financial discussion.

The team at Hoyes, Michalos & Associates was absolutely great with me. I'd just had one of the worst years of my life and thought I was never going to get out from under it. Howard & Patricia were compassionate and didn't judge me for being in the position I was in. They provided me with exceptional counsel and helped me to make the best choices for me going forward. For the first time in months I'm breathing easy and working towards building a better future for myself. If you need help, call them, this team will not only work with you to get you out from under your stress but will teach you how to avoid being in this scenario again. They're with you every step of the way.