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

I came down with medical issues and was unable to work. I tried for a few moths to come to an agreement with lenders with no luck. I called and was connected with Patricia. She was great and told me to take my time to decide and reviewed the pros and cons. I took two months to decide and connected with Joel. He explained the process very clearly and the process. Then I had a video conference with Heather. She was also great and walked me through next steps ! This team has taken a lot of stress of me and I compliment how professional they are !Bob

Incredibly helpful and professional people working here. Managing my financial situation was much easier with the help of Joel and Heather and I feel better prepared now moving forward in my life

Very nice company Joel was very helpful with my proposal and made easy and simple to understand everything. Recommend for anybody should use them

Honestly, Hoyes & Michalos turned a very stressful situation for me into a very manageable situation. I felt very empowered leaving the office the first time, feeling like I could really do something about my debt. I feel more educated now so that I will be able to make better decisions in the future. I feel like I've been given a second chance. Thank you so much for your kindness and professionalism when helping me through a difficult time in my life. There are a lot of scams and people who are looking to take advantage of those who are in debt. I highly recommend this company because they will answer all your questions and be with you every step of the way, and will not pressure you into anything. Thank you!

After filing months ago, I still get demand letters and collections calls and collections legal demands. I have spoken with my trustee, yet months later still happens. The payments are less but the stress is not gone

Works quick and efficiently..explains as much as possible and very helpful..once you make the decision are ready to get the process done to make less work for you to do

I had my Identity stolen and had been struggling with getting help I needed for 3 years until I came across Hoyes and Michalos. The staff that helped me was a lifesaver, very professional and knowledgeable and fast. I would definitely recommend them to anyone.

Joel & Heather can’t say enough good things about the great customer service they provide.

I had approached Consumer proposal a couple of times. I never felt comfortable to follow through until recently. Joel was fantastic, professional, non- judgemental and explained everything so I could easily understand. With their help, a big weight has been lifted off my shoulders. I can't thank Joel and the team enough.

Joel and Heather have been very helpful throughout the process of my consumer proposal. Joel thoroughly explains all options. Heather provides realistic advice and welcoming discussion. I would recommend them and Hoyes to anyone in my situation!