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

I was panicking on how I was going to get ahead when everything was just making it but would never get ahead. I approached Ian and I must say I sense of relief faded and began to breath normally again. I truly recommend Ian he has a way of making you feel very comfortable and understanding.

Today I received my Certificate of Discharge, thank you Ian. I worked with Ian, and he provided me excellent service, answered all of questions. Anything I need financially, I can send him an email and he promptly replies with great adv., even after proposal was completed. Thank you to all….

Couldn’t have picked a better company to go with. My Father his wife as well as my fiancé all went through hoyes for bankruptcy. and I just finished my 5 year consumer proposal. It was nice not being harassed everyday they took care of all of that for me. Professional staff and always worked with me on the tough months if I needed to move a payment. I would give 10 stars if I could. Thank you hoyes for all you have done for me.

I had a great experience with Hoyes, Michalos & Associates at their Kitchener branch. I browsed around to find the best place to deal with my financial issues and found this company to be among the best if not the best dealing with my issues. Scott has been very professional, knowledgeable and very responsive in all my communications. I highly recommend them.

The professionalism and care Scott has taken with me is impressive. If you don't know where to turn in times of trouble you must go here. They take so much care in your finances and truly care at getting you back on track. Thank you so much Scott

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.

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.

I have been working with Scott from Hoyes and he has been incredibly helpful! He has never once made me feel bad about my financial struggles, he has been extremely supportive and helped me to see that I can have financial freedom to start building a stronger financial future. Every question I have had, he gets back to me extremely quickly and it has been an absolute pleasure working with him.

Ian was great he was beey easy to talk to was very helpful with the process answered every question I had guided me with the best option to suit me he never made me feel like I was less then or made me feel guilty or bad for needing to do a consumer proposal, I was albe to reach him threw call and email very easy he is always very responsive.I would highly recommend them especially Ian he's great.