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

Maureen is amazing! So easy to deal with, super friendly and outgoing. I highly recommend this place. Thanks again Maureen for your help. Kim

My experience with Maureen has been nothing but positive! She calmed my nerves when I found myself needing her services and made the process easy and stress free. I can't thank her enough! I highly recommend!

I was finding it difficult to make monthly payments to my creditors. I knew I needed help. I am so happy I found Maureen! Maureen was super helpful and did not make me feel ashamed of the debt I had accumulated. I felt very comfortable with Maureen and I feel like a huge weight has been lifted off my shoulder. I would highly recommend Maureen to anyone struggling with their finances.

I worked with Maureen and Brennan and they were both really good at putting my mind at ease. Filing a proposal was nerve-wracking, but they taught me a lot of things to help me shift my mindset about debt and proposals. Thank you so much for helping me start a new chapter of my life.

Thank you Maureen for your excellent service. You have been an excellent coach, a great listener and communicator with a human touch and a valuable resource to me. I consider myself fortunate to have met you at this time.

I highly recommend Hoyes, Michalos and Associates. If you need help to settle you debt, Don't hesitate to give them a call!I felt so nervous and reluctant to give them a call as I feel embarassed discussing my debt with other people. But.. when I spoke with Maureen through phone appointment, she gave me a comfortable feeling and relieved my nervousness. She's soft spoken, I can truly feel her sincerity to help, her kindness, not judgemental and she's very professional and knowledgable in discussing my debt matters and options with me.Maureen and her team is so amazing. My proposal was prosecced so fast and my creditors have accepted it. Now, my debt was reduced to 80% with no interest. I'm so much relieved, stress free and no more sleepless nights of thinking how to pay off my debt. I am looking forward for my 2nd counceling with Maureen.Thank you so much Maureen and your team for all the help.

I had a lot of debt that I could not keep up with. I did some research and got some consultations with a couple firms. Hoyes, Michalos & associates is the firm I ended up chowing. My adviser was very knowledgeable and very understanding about the whole process and so helpful! Maureen is a fabulous and happy person that makes this process feel less intimidating and more comfortable that I’m helping my future self to have a better credit rating and not having anymore debts! Super happy with the service I’m receiving and all the help I also received during this process!Thank you so much Maureen for all your help and kindness ❤️

Working with Maureen was a blessing. She was honest, upfront and sincere and was able to set my mind at ease. Easy to talk to and I couldn't ask for a better experience with such a sensitive matter. Truly appreciate the help. I would recommend her to anyone any day of the week. Thank you Maureen!

Maureen has been amazing through this entire process. She has helped my family without judgement. She has made everything so simple and stress free. Our only regret is waiting so long before contacting Hoyes, Michalos & Associates

The council I received from Maureen was very thorough and helpful. Her kindness and warmth shone through, I never felt judged. Working with Maureen gave me peace of mind and lifted a huge weight off my shoulders. Her counselling sessions were very informative and set me on a path to succeed in my financial goals by changing my budgeting strategy so I can succeed.