Hoyes Michalos – Reviews and Testimonials

They make a voyage through a very difficult bundle of obstacles a walk in the park. The simplicity of the process allows people who need it the time to begin rebuilding immediately. In full thanks to the Oshawa team.

I was initially terrified when it came to bankruptcy but the individuals at this office are absolutely elite. Friendly, understanding, and welcoming throughout the entire process. I get to have my life back because of these people. I am forever grateful.

All the individuals I’ve worked with have been extremely helpful and I’ve gone out of their way to make this process as painless as possible.

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

Twice now Hoyes, Michalos and associates has settled my debt by making an affordable payment plan on my behalf with my creditor/collection agency. I'm so excited because soon I will be debt free and all thanks to Sandra Sykora ,she has been so amazing , non judgemental and always available to address all my concerns. She has been dealing with my creditors on my behalf. If you have any debt and can't afford to pay, collection is calling you and threatening you than you should call Hoyes, Michalos and associates ASAP.

Today I received my Certificate of Discharge, I feel liberated. For years I had stressed and worried about the debt I was in from a business venture gone bad over 10 years ago, and I had no way out of. I knew my only option was bankruptcy but I kept putting it off because I was afraid of the process and I didn’t even have all of the information I needed because I didn’t have access to any of the paperwork from that business venture. I had such terrible opinions about bankruptcy. I struggled with the choice of bankruptcy. UNTIL a family member gave me the push I needed to just make a phone call and inquire about my situation. I called the most reputable company I could find in my area, I am so happy I did. Within 2 minutes of speaking with someone ALL my worries and doubts we’re gone. Within a week I was assigned a Trustee, and we started the bankruptcy process. He made it so easy, he was so informative and so supportive throughout the entire process, which to my surprise, was only 9 months!! I felt like more than just a client, he made me feel so comfortable and at ease. The ongoing support I received from Scott was amazing, and I just know even though my file is closed he will be there for me if I have any questions or need any advise in the future. I have and will continue to recommend Hoyes, Michalos & Associates to anyone searching for financial freedom. I want to very one to know that you do not have to live with guilt, stress, weight on your mind due to finances, give them a call and explain your situation, they will come up with the BEST solution for you and they will take care of everything.
Thank you Scott and Thank you Hoyes, Michalos & Associates for this new sense of Freedom I have.

I'm very thankful to Benny and his team for assisting me with settling my debts. I'm on my way to a new beginning. I was feeling very stressed and not sleeping well. My mind kept wondering how I was going to continue to cope with the calls and letters I was receiving. Once I spoke with Benny and he explained how the process works, I instantly felt a sense of relief. Benny and his team are very courteous, respectful and are very knowledge. If you or anyone in your family has not picked up the phone to call Hoyes, Michalos & Associates what are you waiting for?

They have been very friendly and helpful from the beginning. I feel a huge weight off my shoulders, not only because of me debt relief, but also because I feel more financially literate. Ive suggested their services to a few friends of mine also.

Rebecca is very cooperative, professional & easy to reach out. I had some financial difficulties & she helped me out with the best option for me! I would definitely recommend her to anyone who needs help with financial debts !
M W K

We met with Maureen Parent and couldn't be happier! She is very knowledgeable about the whole process and was able to explain each step and our options to us in terms that we could understand. She made what can be a scary process into one that put our minds at ease. We HIGHLY recommend giving her a call!

Caring professional that brings positive results worry free. Thankyou for all your help.

I started my journey in late 2018 to start debt consolidation and I saw Jason who has helped me since then, and answered every single question I had, even if it was a stupid one. Hes very kind and always quick at replying to me via email. Thank you Jason, and thank you to Hoyes and Michalos for your wonderful service.

I honestly didn’t know where to turn. I thought I was stuck with bad credit for the rest of my life , until I reached out to Joel and the rest of his team for desperate help, Joel was amazing to work with and had no judge towards me, he did everything he could to help me. It was an absolute pleasure to work with him and I highly recommend Joel and his team. I’m happy to say my bankruptcy is finally finished :)

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.

My experience with Hoyes, Michalos has been nothing short of amazing. With specific thanks to Jason Quinney. Every step has been explained perfectly, leaving any questions I may have had answered before I asked. Everything has been straightforward and easy to understand. I highly recommend Hoyes, Michalos & Associates. Thank you so much.

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

5 star service! The staff in office are always so kind, accommodating and understanding. I have received nothing but quick and efficient responses and it takes the stress off clients. The office/company is lucky to have employees with such impeccable work ethic.

I had actually thought the processes would be stressful. Ian martins took it step by step and make sure i understood every aspect and what i am committing into. I was that so relieved and put off that fearful moment of my life each time my phones rings from the creditors. The advice Ian gave is developing me to another fresh savings life that i can bank on in an emergency situations. I am now a new being, and i hope to work in paying off my shared part before the extended years.

Jamie and Ted at Hoyes were incredible to work with. They not only negotiated the best deal possible for my consumer proposal, they were also empathetic and supportive throughout the entire process and made themselves readily available to answer any questions or concerns I had along the way. A+ experience with these two.

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.