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

Amazing! They really helped with going through all the steps and what to expect. They really put my mind at ease. I'm now getting better sleep knowing my debts are being paid off and working towards being debt free. Thank you for all your help.

I was feeling very stressed out and depressed over my financial problems. I couldn't keep up with my payments anymore. A good friend said he had had a good experience when he spoke to an advisor at Hoyes, Michalos & Associates. I made an appointment and went to see one of their advisors. It was an incredibly uplifting experience. I was treated with respect and understanding. I was offered different options to resolve my debt problems. I couldn't believe how easy and quick it was. I now have a very manageable way to deal with my debt and I want to especially thank Mark for the kind and non-judgemental way he treated me throughout the entire process.

We didn't know about a consumer proposal until we read about it on one of Hoyes, Michalos & Assoc. websites. If you want to be treated with dignity and not made feel you're a bad/unresponsible person speak with one of the team members. With us it is Mark -- a fabulous person. He explains everything so we understand. He's so kind and knowledgeable. We are happy now that we have a structured plan to deal with our finances. We are working towards paying off our debt with an amount that fits our budget. And we can call anytime if questions arise. So if anyone needs debt free help we can't stress enough to get help from Hoyes, Michalos & Assoc.

Mark was extremely understanding and professional. Made this tough situation that much easier. Was very helpful in making the whole process effortless and was available at all times for questions or inquiries. I would highly recommend Hoyes, Michalos & Associates to everyone. Thanks Mark I greatly appreciate it.

Mark is amazing, very compassionate & extremely helpful. Let’s you know your not alone in this journey !!The company gives awesome tips on how to budget in the credit counseling.I highly recommend them

Mark at Hoyes has been excellent at explaining everything to us, going over all the details. We feel so relieved to have the help to get us out of debt - we wish we had asked for help a long time ago! Thank you Hoyes :)

Mark made this process stress free and I really appreciate the support I received. I would recommend Hoyes, Michalos and associates to anyone. Great people and great help in a time of desperation and need.

We where in dire straits 2 years ago when we contacted Michelle and the team at Hoyes, Michalos & Associates. It has been a rough couple of years, but with the help, integrity and guidance from Michelle & Michael, we can not recommend this firm and their Team enough. Action conquers fear, please reach out to these people and start your journey.

Mark was super helpful and patient with me. He thoroughly explained the process and provided me with guidance for the future. I highly recommend Hoyes to anyone. Thank you!