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

Sandra, was especially personable, very thorough and attentive to the specifics of our situation.She made the experience feel seamless and supported getting things on track right out of the gate.I would recommend Hoyes, Michalos & Associates to anyone needing direction regarding finances.

Sandra Sykora has gone above and beyond with her extensive financial advice, knowledge and recommendations to assist myself with becoming debt free. She has been and continues to be quick to respond to my emails and covers every base and then some. I highly recommend her for assisting anyone who is at their wits end with stress due to unresolved financial debt. She is extremely patient and really listens to her clients. She doesn't treat them like just another number. Call her today to become debt free! You'll be glad you did!

Hoyes Michalos & Associates was a great help to me from the moment I first contacted them about getting my debt under control. Trustee Sandra Sykora and her team were knowledgeable, courteous, considerate, and concise in their guidance and support, and were able to give me invaluable insight into rebuilding my credit and getting me back in control of my finances. Superb service all around - thank you! :)

I'm very glad that I came to Hoyes, Michalos & Associates for help with my debts! I had an easy time understanding how the process worked with Sandra, who took the time to explain every detail to me.I would absolutely recommend this business to friends and family as they are excellent at what they do.

Sandra is incredible. Every step of the way, from the very first call I made, to every phone call and zoom meeting to get my consumer proposal started and finalized, I felt supported, my questions answered, I was guided through the process, being met at the level I was at. I went from making minimum payments of over $2000/month knowing I'd be drowning in debt for decades, to making interest-free payments of $700/month knowing I'll be debt free in exactly 5 years. It's not an exaggeration to say my consumer proposal has changed my family's life, both immediately as well as for decades and generations to come, and that Sandra and the entire Hoyes team made it easy and worry-free. I can't thank you enough.

Cannot recommend Hoyes, Michalos & Associates enough. A couple friends had used and recommended as they both had great experiences. As did I! Sandra was beyond helpful and gave me so much clarity as to what I needed to do to gain control of my debt. Do not hesitate if you need to file for bankruptcy or a consumer proposal. Thanks again!

Twice now Hoyes, Michalos and associates has settled my debt by making an affordable payment plan on my behalf with my creditor/collection agency. I'm so excited because soon I will be debt free and all thanks to Sandra Sykora ,she has been so amazing , non judgemental and always available to address all my concerns. She has been dealing with my creditors on my behalf. If you have any debt and can't afford to pay, collection is calling you and threatening you than you should call Hoyes, Michalos and associates ASAP.

Sandra Sykora did an outstanding job helping me through every step! She is a consummate professional, personable, kind and patient. Hoyes, Michalos & Associates were the perfect choice to successfully deal with debt. Highly recommended!!

I have been working with Hoyes, Michalos and Associates since this past summer and it has been a positive experience. The knowledge and expertise of Sandra Sykora and the rest of the team has been beneficial while navigating the reality of a bankruptcy situation.

I was drowning in debt and absolutely convinced that there was little to no way out of the situation I was in. On the advice of a friend I reached out to Hoyes and was immediately met with patience, understanding and a trust worthiness that I had not experienced anywhere else in this field until that point. Sandra and the team did a fantastic job at easing me into a situation that was both affordable, and efficient for me to tackle my financial issues head on. Would recommend their expertise and service to anyone who needs it.