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

Nicholas had an impressive level of professionalism, knowledge. He created a great case for my proposal, knowing how to best deal with the banks. I got my consumer proposal approved in the 1st attempt, and getting back my sleep and my mental health back on track with easy affordable monthly payments. About two thirds of my debt dissappeared into thin air overnight.

I had the pleasure to work with Nicolas To and I'm so glad I met him. He knows exactly what he's doing and his response is always quick. Most importantly, I think he's a very compassionate person, highly recommended !

Nicholas is amazing; he is really knowledgeable and has helped me get through a difficult time.

My experience with Nicholas service was exceptional. I am very happy and confident with all the decisions I’ve made for the past few moths despite of my complicated case. It gave me peace of mind and closure that I went to the right company like Hoyes, Michalos & Associates Inc who prioritized for what their client’s needs. They’ve given me the benefit to be financially back on track. Many thanks again for all the resources and guidance that you’ve provided to me.

It is never an easy decision when considering to contact an LIT. Thorough one of the hardest times in my life I had decided that this would be the best route to get be back on track and to prepare myself for the future.Nicholas was extremely helpful in understanding my situation and guiding me through the process. I felt confident that he had my best interests in mind and that he was truly there to help me. Whenever I had questions he would always provide very detailed information to give me assurance through it all.Thank you Nicholas and team for helping me with a fresh start. My family and I greatly appreciate your dedication to your work.

Despite it not being a good thing I was there for, working with Nicholas from Hoyes was a great experience! It has been the best thing I have done this past year. Nicholas was always very helpful and provided me with a lot of knowledge and support throughout the process. I even recommended my friend to him as well! For anyone looking to get their financials in order, this is the place and the people to work with!

I had a great experience. I was very unsure about the whole situation I got myself into and thought there was no hope for me to get out of debt , they did a fantastic job and I would highly recommend them

Nicholas really took the time to go through all the information and get my consumer proposal the best rate. He made the process really simple and easy. I was very worried going into this but Nicholas truly helped me feel secure that I was making the right decision.

2 years ago my husband and myself were facing such a deep financial crisis. With Hoyes help we are finally got out of there and rebuild our life. Specially Nicolas was very helpful and knowledgeable which was great. Everybody can make mistakes at some point but find good help is such an important matter in our life's. BIG THANKS RO HOYES AND NICK. I AM SO GRATEFUL TO YOU

Nicholas was/is amazing to work with. Very knowledgeable and always keeps you in the loop. He Responds back to emails quickly and isn’t hard to get in contact with. He helped me through the process and made sure I understood and always gave clarification when needed. Highly recommend using Hoyes! Thank you again, Nicholas!