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

Hoyes, Michalos & Assoc. were a pleasure to deal with. They helped me every step of the way with my case. They told me exactly how to do things and always replied to me by email and kept me update with everything. Couldn't have asked for better. Thank you so much for your professionalism and your assistance with everything. I am now stress free.

I just finished paying off my consumer proposal after 3 years. So happy and relieved and I couldn't do it without you guys taking the stress off me and starting a new life. Thank you for your help. Lots of lessons learned.

Janette was amazing to work with! Very understanding and helpful. It was a great experience!

A big help on my financial problems. Now I can start afresh with the help of Hoyes Michalos. Before I'm so ashamed cause I can't pay all my debts on time. Now, I can say I'm debt relieved. Whoever you are Hoyes won't let you down if you ask for their help. Thank you so much Hoyes. Thank you with all my heart.

Straight 5 stars! Hoyes, Michalos & associates has changed my life. I just got back the amazing news about my consumer proposal and im wiping my tears as Im currently writing this! I was struggling so much about my debt I would wake up worried about money and go to sleep worried about money. I had anxiety all the time, it was ruining my life. If this sounds like you please please pleaseee contact them, You will not regret it! Nicholas and Diana are the people who helped me, but the whole team is spectacular. They are kind, professional and So patient with me, which I really appreciate. Thank you so much Hoyes, Michalos and Associates I am forever grateful!

I was recommended Hoyes, Michalos by a good friend who also went through financial difficulties. I had an appointment booked after the first phone call and was connected to Nicholas. He was went over all my options with me and guided me through a consumer proposal with as little stress as possible. Nicholas and the team at Hoyes Michalos we’re always kind, caring and professional whenever I felt with them. I highly recommend them if you’re having financial problems. They will help you get on the right track and take the stress away. Thank you!

I’d like to thank this company for having a passionate and dedicated employee who helped us to apply for Consumer Proposal to resolve our debts. Nicholas was really patience when we had conversation about something he really tried his best to understand me and he want to make sure that we’re on a same path. I was genuinely impressed by his work, the way he explained every single thing, the way he give us advice. we filed a consumer proposal last September 25, 2022 and Today November 10, 2022 we received an email saying that our consumer Proposal has been accepted!! Thank you so much Nicholas for your help!!! We will for sure recommend you to our other colleagues that has been struggling to their debts. I’m glad that I found this company!!

Hoyes, Michalos & Associates, are great at what they do , very informative and on the ball , gave me room to breathe again and get me back on track with finances. I Personally recommend to give them a call if your struggling and stressed out with finances, very friendly staff and go out of their way to make you feel better about your finances and credit.

Patient, friendly, and forthcoming, though I recommend checking all figures, offers and every relevant aspect of your file so you get the best value for your proposal as the offer was somewhat flexible, so ask questions. This service was excellent though.

I rarely submit reviews...unless the service or product that i receive is exceptional.... exceptionally great... or exceptionally poor.From the beginning, the staff from Hoyes, Michalos & Assoc., have given me an experience that has been exceptionally great! Nicholas calmly guided me through a terrible dark time of my life to the other end where I could see light and possibilities. He was knowledgeable, concise, and personable -just the kind of confident person to help in times of financial stress.As I approach the completion of this process of reestablishing my financial situation, i was guided by yet another outstanding member of the H,M,&A team. Meg Penstone was crucial in helping me complete the final steps of reaching a healthy credit state. i was a bit daunted by the process of correcting info with the credit rating bureaus. I thought I understood, but Meg very quiclky pointed out crucial vital points that would improve my credit standing significantly. She spent as much time as was necessary to fill out the forms accurately. Meg answered all my questions to the point where I felt very confident that all was going to be O.K.My greatest thanks to all the H,M&A team members who guided my on this stressful journey especially Nicholas To and Meg Penstone.