Hoyes Michalos – Reviews and Testimonials

Billy at Hoyes and michalos has been wonderful. He is easy to talk to, understanding and very helpful. He explains everything, and takes you through every step I am grateful for all his help

I am almost a year and a half into my consumer proposal, and so far I feel it is the best thing I have done since graduating university. I had immense amounts of student debt through lines of credit and loans, and after completing the cp and paying some of that off, I finally feel like there is a possible future for me. Hoyes, Michalos & Associates have been helpful and communicative in navigating the process; I even enjoyed the financial consulting classes I had to do. Highly recommend!

  These people are very understanding to the way society is today and with that comes support from them and honest advice to help people like me (disabled) figure out a better financial path. Alison is full of kindness and she takes the time to listen and offer ideas, explantion and support. Jeff and Alison's goals I learned right from the start are to help relieve their client's financial stress and offer solutions for restoring their credit. I would highly recommend this company to anyone I know who is having financial difficulties and need to make some decisions for their debt solutions. At the same time as giving this review I would like to thank Hoyes Michalos! They really did help to relieve my financial stress.

This office helped me in ways I could not have imagined. I had reached out to them to bounce off a question I had about managing debt. Ian listened to my question and then he asked about my full situation, he listened through it all. Ian provided me with an answer to my question as well as some provided me with some options that I did not even know existed. Because of his recommendations I decided to go a different route in managing my debt than what I had originally intended to do, which was amazing! Not only was the process simple it was also seamless. The stress and pressures are now off my shoulders and I can actually start to live life with possibility and hope. Hoyes Michalos stepped in and stepped up to help me on my journey of becoming debt free. If I could, I would give them 10 stars for amazing service, great options, and the added support I needed.

Billy made me feel very relaxed and comfortable during my proposal. He is very professional, compassionate, friendly and kind and answered any questions I had. The office staff is very friendly as well. Thankyou for making this experience easy and less stressful. Thankyou for all your help and for listening. I would recommend his office to anyone.
Judi

If you want to ease your mind and get a good might sleep call. They are so friendly and so easy to talk to. They make the process pain free. Thank you so much for all you have done for me.
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All the people that I have seen or talked to at Hoyes, Michalos & Associates have treated me with respect. They have answered all of my questions. They explained all the steps that they would help me with to becoming more responsible with my money. I would recommend them to anyone who was looking for help from debt relief and the stress that comes with it.

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

Great people to deal with especially under bad circumstances. They explain the process and do what they say they will do on time as committed.

Between the 2 representatives I have had ( Rebecca, and Charlie) they both have been amazing to work with and vary helpful with my unique circumstances as well as having a amazing ability to let me ask 2007 different things and still have all the answers!

Very professional, helpful and kind and very understanding.
The knowledge given and means to help rebuild your financial life is second to none .
Highly recommended!

I cant thank Ted Michalos and his entire team enough!
After going through a horrible divorce and was left in a hard financial situation..

I originally had a meeting with another "company" out of Kitchener. And after that initial meeting I left in tears.. I was more upset, confused and left feeling like I had no way out. Feeling like nothing could help my specific situation...

But then I heard a pod cast for Hoyes Michalos and Associates that night and decided to make the call to see what they would say.

I spoke to Ted directly over the phone who reassured me instantly, apologised for my experience and set up an appointment.
Not only were they able to help the guided me through the process they did it with care and consideration.

I cant thank Ted, Cyndi, Meg and the entire team enough!

I am in such a better financial place now with the help of Hoyes, Michalos and Associates

Hoyes, Michalos truly cares to help their clients!

Just make the call.. they will guide you help you!

Services are clear, concise, to the point all without losing sight of the sensitivity of the topic at hand. Very happy with services

Kristen has been amazing and very informative! Highly recommend.

After meeting with several companies to discuss my financial situation and the curve ball life had thrown me. This was the only team that from start to finish kept my best interest at heart! Provided the correct information the first time and allowed me to get back on a healthy path!
Thank you Joel and team

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’ve been struggling financially for the past 2 years. Doug has helped me so much it has been life changing. I’ve learned a lot of ways to save money and properly manage it so I am comfortable. Very friendly and honest company.

After filing months ago, I still get demand letters and collections calls and collections legal demands. I have spoken with my trustee, yet months later still happens. The payments are less but the stress is not gone

I found help on behalf of Hoyes, Michalos & Associates when it seemed that there was no way out... My story began with the fact that I realized that I can no longer cope with paying off my debts. I was so depressed and it seemed that life failed. After a thorough consultation with my friends and a search of information on the Internet, I decided to book my first consultation with this company. Since then, I haven’t had a second doubt in my decision! From the very beginning to the end I dealt with Scott Terrio. He helped me incredibly! At first, we filed for Consumer Proposal since Scott and I thought this was the best option. It worked great! However, due to certain changes in my life while being under Consumer Proposal we decided to change it to Bankruptcy instead. I just want to say to all the employees of Hoyes, Michalos & Associates, especially Scott Terrio for their understanding, sympathy and great help. I was pleased that they spoke with me primarily with a desire to help, to delve into my situation. At least, this is what I felt and it was important for me. I’m debt free, so... THANK YOU! :)

Easy, Understanding,Reassurance, Friendly and explain everything in detail in a language you can understand. Recommend to anyone that needs help with there Financial issues or just to ask questions.