Hoyes Michalos – Reviews and Testimonials

A big thank you to Jason and all the staff at Hoyes Michalos. They made a difficult situation much easier! 5 Stars.

They are very professional. They provide excellent guidance and take ample time to answer questions. I had a very positive experience with their team and am completely satisfied with their services. They addressed my needs with great attention to detail, and overall, they provided an excellent experience.

Billy was very helpful kind and since made me feel very comfortable Would recommend anybody to go see him if in the same situation I’m in. He gives me hope again thank you so much for what you do. I really appreciate everything you did for me.

I had a great experience. I was very unsure about the whole situation I got myself into and thought there was no hope for me to get out of debt , they did a fantastic job and I would highly recommend them

I have had a great experience with Alison. She was informed, interested and really listened to my concerns.

A professional team .They make easy for me to get rid of my debts.Thank you for your great job.I strongly recommend this company .

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!

Scott Terrio was my (our) representative. He was friendly, outgoing, and very.. (did I say VERY) helpful in addressing (and answering) all my questions/concerns. As well, he was serious, and to the point, explaining all details of our situation(s), and the paths/choices of each. The "paperwork" (i.e. application) and associated process (done completely electronically) - this included the submission and signing of all documents. Our case was settled (i.e. filed/approved) within 60 days (I think). I (we) are extremely happy that Hoyes, Michalos, and Associates (H,M&A) were chosen for our financial needs. The STRESS is going, which brings a much healthier lifestyle to both my wife and I. To this, we have found links for betterment in the use of future credit, better budgeting, and overall financial planning. I (we) highly recommend H,M&A!

There is nothing more embarassing than to admit in your later years having worked all your life that you cannot make it financially and need help. The stress was unbelievable and it was affecting me both personally and professionally. I took the step after much trepidation and I am so thankful that i did. Knights in shining armour do exist and his name is Ian. I knew I was in capable hands the moment we spoke, the comfort level and connection was immediate. All my questions were answered and i am now in control of me. Anyone who is struggling with debt and feel like they are drowning with no hope, make the call, the resources, the support you receive will change your life.

This place is amazing! They help you with your debt and treat you with respect. It’s stressful dealing with debt, but they make you feel at ease and help you solve your debt in a manageable way. Can’t recommend them enough.

Wow, I could have never imagined how fluid the consumer proposal process was going to be... Benny Mendlowitz reviewed my situation and quickly determined that it was the best avenue to undertake.
Really pleased that this option was made available to me...So relieved and at the same time flabbergasted at the results: being debt free and all the stress and pressure are now history for me.
Benny has so much experience, a true and genuine specialist in his field, demonstrating so much integrity, knowledge, and applying superior negotiating skills on behalf of his Clients.
For all this, I am very grateful, Thank you Benny.

Jamie was very professional, friendly and helpful. Willing to answer any questions we had and deal with creditors who continued to call and email us. We would definitely recommend them to anyone.

This company is no less than amazing… I had got myself into a tough situation financially and needed help and Hoyes stepped up and eased my mind immediately! I highly recommend this company to anyone needing debt relief help

A lot of people are into debts but only a few know about consumer proposals unless they’ve gone out and done their research. When I first contacted Hoyes, Michalos & Associates, I had no idea what the firm was all about. Customer Service was quick and efficient to answer my call. The rep explained very well how it works and I was then connected to a Licensed Trustee Manager Scott. He guided me through all the steps and what to expect of the consumer proposal program. I was mentally burned out. My back-to-back debts were taking a toll on me but Scott helped me understand. My debts were reduced to more than half of what I owe provided I make sure I put equal amount of work on my consumer proposal programs That means, making consumer proposal payments on time based on what is approved by the creditors, attending a credit counselling with the licensed trustee and successfully finishing the program. Scott is always there when you have questions, very knowledgeable and professional. A heavy burden lifted off my shoulders. Thank you🙏🏼 I highly recommend this firm and talk to someone today!

Mark proved to be calm and collected and easily put me at ease. He provided excellent support via his knowledge of the system and in addition, was able to provide valuable insight on the way forward. I highly recommend his services.

Like many people before me and probably many more after me I had an insane debt I couldn't handle. Collectors calling my cell phone and even my work. It didn't matter what I told them, they just wanted me to pay what I could not afford. I was already living paycheck to paycheck and just trying to make payments into any of my debt made it hard. It made me fall into the endless cycle of payday loans. Trying to pay those off as well as other debts became impossible. I was under so much stress from not knowing what to do I was physically sick from it.

After doing some research and figuring out I had 2 options open to me, consumer proposal or bankruptcy. I did a web search after hearing all sorts of ads on the radio about Licensed Insolvency Trustees and what they can do. I ended up choosing Hoyes, Michalos & Associates Inc. for two reasons. First the reviews I read helped me decide. Second, they wanted to help me more than I wanted to help myself. Like many I was trapped. I waited until I was in way over my head before I did anything to fix my situation. I would definitely recommend them to anyone who has any sort of financial issues. Be smart about it, if you need help ask the right people before you get too far in over your head.

Billy was just a huge help in my debt relief, extremely nice, and made a tough day lighter. Thanks

My experience with Jason Quinney was great, he saved me drowning in debt problems. I will always be grateful for these great people. Thank you Jason.

Like so many others, I thought I could scrape along and dig myself out from under my debt. I finally got to the point where I was doing everything I could and still wasn't getting anywhere.

I screwed up my courage and called Hoyes. I was connected to Scott Schaefer, and by the end of our conversation I could see some blue sky and sunshine on the horizon. I am so very grateful for his hard work on my behalf!

If you are walking along the pathway I was on, do yourself a favour and make the call. There is hope and help out there. I'm proof of it.

My experience was absolutely great. It was very efficient and professional. Everything was explained perfectly to me by Jason Q. and My proposal got approved without any hassle or going back and forward with creditors. Thank you for helping me get my financial situation in order and for your great help. I really appreciate it and will recommend you any time I can.