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

Best thing I have ever done was make the call to Hoyes, Michaelis and associates. The feelings of anxiety and embarrassment were quickly washed away from the moment I spoke to Howard. He was full of knowledge and empathy. I was thoroughly informed as to my options and made the best decision with guidance that I trusted completely. My follow up with Patricia was so helpful ..... It gave me hope for my financial future. I cannot recommend this company enough if one is considering doing a bankruptcy or proposal.

The Hoyes, Michalos team made a very troubling time much easier than it would have been. They took the time to answer all of my questions and are very knowledgeable. They explain things in easy to understand terms and you can really tell that they are in your corner.

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.

Howard was friendly,accommodating and knowledgeable throughout the processHe made a complicated process easy and informativeI would heartily recommend him to anyone going through this process 100 percentThanks Howard

Absolutely impressed with the service and counseling offered here at Hoyes, Michalos & Associates thanks to Howard getting me started. Patricia offered great alternatives with her counseling to get myself back on track with my budget and future plans as well. These wonderful folks here at Hoyes care about you. And that's how I feel when dealing with them. I would highly recommend them, especially if you feel like you have no where else to turn to for help.

Jason Quinney was extremely helpful and took me through the entire process while explaining all the steps, he made everything simple and easy to understand. Thank you!

Absolutely fantastic professional service. I was obviously very hesitant about the process but Kristen was beyond easy to deal with and extremely knowledgeable. 100% recommend dealing with HM&A.

Hoyes has the most professional team. They were always clear in their communication and ready to answer my questions. They did not push me to file for bankruptcy and allowed me to do so at my own time and pace. I would recommend Hoyes to anyone who wants to resolve their financial trouble in the least stressful way possible.

I was completely overwhelmed with small loan depts. I had researched and found Hoyes, Michalos and Associates. I reached out online and was immediately connected with Howard, who is by far the most kind, sympathetic, and helpful person I've met. Unlike others, he didn't make me feel more hopeless than I did already. He walked me through the entire process, told me all my options, and explained what would be my best options. He was very honest and upfront with my situation and found me a plan where I could pay back my debtors in a timeframe and with a payment plan I could afford AND be able to have money for groceries each month. Getting breathing room in my budget again felt like a miracle. I'm still very early in the process, but am very pleased. I would recommend, Hoyes, Michalos and Associates and Howard to anyone who is literally suffering with debt and feeling like there's no light at the end of the tunnel.

I have nothing but good things to say about this company. At a difficult time, they helped me through. Informing me of my options and clarifying any questions, concerns I had. They didn't judge me or my situation. They treated me with respect. Their front end staff is polite and helpful. If finding yourself in a position were you would need a company like this, I highly recommend them.