Hoyes, Michalos & Associates - Consumer Proposal & Licensed Insolvency Trustee

This company and certain individuals have done wonders for fighting for me to help me manage my debt. They have given me tons of information so I don't wind up in this spot again. Truly, a wonderful group of people, who hold your best interest as if it's their own. 100% recommend.

Ted and his team where so fantastic with helping me through a horrible time.. I appreciate everything you all did for me.

When I first found out about Hoyes, Michalos &associates , through my roommate, that went through a similar situation she recommended that I come here . At first I was a little hesitant and ashamed of the debt that I have accumulated over the years , but they truly without any judgment helped me out tremendously. They were very clean about both options.( consumer proposal, or bankruptcy ) if not for them o would not be where I am today . Thank you so much for the time for helping not only me but many other clients. Hands down the best place I have ever been too about all your financial health.

Truly a life changing decision for me . I wish i could have applied earlier. Been in in the toughest time of my life ,Ted is very helpful and making the applications a lot easier without any judgement.Meg is just amazing for counseling. Truly grateful for these team.

Ted Michalos and associates helped me with my debtIn a way that was as quick and stress free as possible. Everyone was kind and understanding and took any anxiety out of the process. They gave me solutions I didn’t know I had. I wish I would have called them a lot sooner!!

Dealing with Hoyes, Michalos & Associates Inc. was an experience that I will never forget.I randomly came across them on Google search during a very hard session. I was so afraid, I didn’t know what to say or even where to begin. I was very fortunate to deal with Ted who was so kind and with the most beautiful approach. I felt a sense of relief just getting a phone call from him. After my initial meeting with him, for the first time in months I was able to sleep. It’s wasn’t just about my finances it was more than. Ted took the time to really examine my situation and worked if me accordingly. His team have been amazing with the follow-ups. I am so great full to this team for continuous support. I am finally looking forward to rebuilt with confident with their amazing support and guidance.Thank you Hoyes, Michalos & Associates Inc.Katie

Meg and Ted truly helped me change my life for the better. I never could have gotten through the weight of my debt without their guidance. Meg in particular was an incredible guide, support system and all around good sport with my constant schedule changes! I feel lighter and far more capable after my proposal and the follow up counselling to get me to a more stable financial place. Thank you so much.

Ted, Meg and the staff at Hoyes, Michalos have been courteous, knowledgeable, efficient, supportive, and friendly. They have made it so much easier to go through a very difficult situation.

I am very thankful for the amazing help I received in my Consumer Proposal. They were very kind and understanding and I recommend Hoyes, Michalos & Associates to anyone.

I had a wonderful experience with Meg, and Ted. They went over and above to make my stressful debt manageable. They really care and took good care of me and my finances.