Hoyes Michalos – Reviews and Testimonials

Having financial struggles can make you feel like you're trapped in quicksand and can be emotional draining. The entire team at Hoyes, Michalos & Associates helped me figure out all my options and what my next step could look like. They didn't judge me, they were only interested in getting me to a good place. They were amazing and they truly cared about my well being! It all starts with a call or an email...

I normally don’t leave reviews , but here it goes.
I wa financially rock bottom in my life. I thought I had no where to go. Someone mentioned to me that bankruptcy is an option. Eventually I went for it and I was told to see hoyes and michalos.
My experience with them has been nothing but spectacular. I have dealt with Jamie and Ted himself. I thought I would get the judged and scorned about my situation. It has been nothing like that , they have been more then supportive in every way. Jamie is always there to assist me every time I ask. I really feel like they truly care about my situation and they always ask if they can help me further. I’m super grateful that I went to them. If you need debt assistance make no mistake and go to hoyes and michalos

Having dealt with Jamie the process has been great. Everything was handled and perfectly explained. Nothing unexpected. It is awesome to find someone who actually wants to help people. Great company with great staff

Kristen has been wonderful. She helped me when I applied. She helped me when I was short for payment for xmas and now helped me with my income tax. I am so glad I met her. And I can't find the words to totally describe how kind understanding and completely ready to help immediately. She has never let me sit and wait on anything. She takes.care of things quickly. I just can't say enough. If there is a possibility of a raise for She deserves every penny. I am so impressed with her. Thank you Kristen.

I have no idea how all of the previous reviews gave such positive affirmations. They do not help with debt relief or debt counselling. They offer cookie cutter solutions and follow a template for every single person. My account should have been handled better and differently, but they just want you to sign so that they get paid. Have a look at form 47 that you signed with them, look at how much they get paid to give you absolutely no help. The famous line, I promise your stress level out of 10 will drop once you let us help you, I expressed in then end of my first meeting and again in my second meeting that my stress level did not go down, again no help with this. When people are facing financial hardship no matter what the reason or how they got there, we don't want to hear your advice from your father 40 years ago, irrelevant and a waste of time. How about you do some retraining on how to REALLY help people in these situations. After expressing my concerns with the service they offer a different credit counselor, wow thanks for going all out. If you are considering filing a consumer proposal be for-warned it appears as a bankruptcy on your credit file, Hoyes will tell you that it is because Credit Karma is American and they do not recognize consumer proposals. Every Canadian CC and every Credit Check I have ever had (rental property, Canadian bank loans, cable provider, cell phone provider and hydro/gas/water ) has gone through Credit Karma so beware of the B/S excuse you will be given. Extremely disappointed is an understatement, wish I could give no stars.

$2,340 vs $72,125 - What would you rather pay?!

My debt was $72,125.

After I declared bankrucpy, I had to pay $65 every week for nine months. After that, I was discharged and debt free!

$2,340 vs $72,125!

They not only saved me $70,000, they saved me from the stress, anxeity that came along with it.

And, I have just qualified for a new credit card!

FRESH START!

Thanks Rebecca, and the Windsor Branch!

Your services were more effective in curing my financial stress than a Clozapine, followed by a Joint, chased with a Beer ;)

I was actually referred to this group by a friend and I couldn’t be more grateful for their recommendation! Benny has been thorough and precise throughout this whole process and I’m completely appreciative to have him as my advisor

Finally I start new fresh life with free debt and there is no more problems with credit card department thank you guys for your advice and your help. It is really nice to meet you I wish all the best to you thanks.

Great help and a good group of people to work with.

Great place, kind staff, non judgmental. I would recommend for sure.

I spoke with Mark today in an arranged telephone interview. Mark had no problem with answering any questions that I had. The only issue is that I believe that I was on speaker phone and it kept fading in and out making Mark had to understand. The phone appointment was very punctual and being that I am a truck driver, I don't like waiting. Thanks Mark.

I had the pleasure of dealing with Benny. He guided me through the available options relating to my situation, and answered every question I had. We were able to obtain a favourable agreement with my creditors, and I'm happy with the result. I would definitely recommend him/Hoyes to my family or friends, should they require such services!

The team at Hoyes, Michalos & Associates made what could have been a miserable experience painless. Recommend them to anyone else going through this process 👍🏽

2020 is been rough for my family especially with our finances. Everything seems spiralling down until me and my wife found Hoyes Michalos. Jason and his team saved my family. If your back is against the wall dealing with debts, they are the best company you can trust. Whether bankruptcy or consolidation, or anything about fixing your debt and finances, Hoyes Michalos is the place you can trust. So what are you waiting for? Stop all your worries and contact Hoyes Michalos, and be worry-free like me. Special thanks to Jason!

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Sandra at Hoyes Michalos is such an amazing trustee. I recently got my proposal accepted and she was incredible throughout the process. Extremely professional and very responsive to any questions or concerns I had. She guided me throughout the entire process and explained things extremely well. She would reply quickly and helped me feel at ease. I would recommend Sandra 10 times out of 10!

Had a counselling session with Kristen from Howe’s Michalos & Associates. She was kind and nonjudgmental and put me at ease. Both her and Howard are thoughtful and sincere, making this process less difficult than I had expected. Many thanks!

Bruce Paproski

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!

Extremely grateful to have Benny and his team help me out when i was on the verge of losing hope. Benny took his time to explain step by step what needed to be done and helped me answer all my questions. The whole process was very smooth and quick. Thank you again Benny! 5/5!!

A great experience from start to finish with Hoyes, Michalos and associates.

Whenever I had some questions or inquiries, I called and received a response within a reasonable time frame, if not immediately. I would highly suggest contacting the team at any of their locations if you are looking for expert advise on how to start the process of becoming debt free. We all have different financial situations, so give them a call to see how they could help you become debt free!