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

I have never been more satisfied with a service. Thank you so much jenn you have taken away all my worries. I would 100% recommend anyone needing financial assistance to get help with the team at Hoyes Michalos.

I have learned so much from this firm. I am deeply grateful for their help and guidance during a very difficult time.

Great experince i had with them at first i was unsure what to expect but they were so friendly and was able to help me with everything now i have a big weight off my shoulders.Jennifer kwon was so helpful and always repied to my messagesHighly recommend her.

Hoyes Michalos was a great company to deal with during this trying time in my life.They navigated me carefully through my bankruptcy. Now I am finally discharged.Freedom at last.

Thank you so much Jennifer kwon. I was so fortunate to have chosen hoyes,michalos.They are very professional. Jennifer always repilied back to me ASAP when I was anxious.You helped me the best you could and opened the best way for me.If there are still people who are still hesitating, I want to tell them to find Jennifer kwon.

Very beautiful souls. They are the kind of people you like to meet in life… professional and kindness is what we all need in this situations… thank you Jennifer and Janneth.. you are the best. Cheers

Trying to manage mental health issues and the hardships it brings to your life is a constant struggle. A struggle you keep private and silent to the best of your ability.After a while you can no longer remain silent as life starts to crash around you.When my financial situation was no longer manageable my health and well being deteriorated fast. The stress of losing everything and not having a place to live weighed heavily. Not because I was worried about me but I was worried about my wife of 20 years and the ramifications it would cause her.Every day was filled with shame and guilt and hopelessness.When I found Hoyes to see how I could manage this financial storm I was met with care and compassion. The compassion I felt was as genuine as it gets.The team at Hoyes treated me with respect and dignity and my hopelessness started to turn into a positive motivation to get my life back on track.Hoyes counselled me and worked out an arrangement with my creditors. It was a manageable solution that took the weight of 100 cars off my shoulders. I could manage my debt monthly and work towards living debt free. This is very important for someone in their 50’s.Hoyes saved my life and I will forever be grateful to them. Till this day I still am treated with the same respect and dignity by all members of their team. It amazes me that this company has found the team with the morals and values to help those in a difficult financial time and ensure them it will be ok.If you need financial help I promise you contacting Hoyes to find a solution will make your life so much better. You will have the help and support needed to make things right and not be buried by debt.Thank you Hoyes

Never in a million years had I thought I would have to declare bankruptcy.Well I did, I was forced to, my husband became ill he ended up in the hospital, the whole time I kept believing he was going to make a recovery and we would walk out of that place, well he didn't. He passed away and left me in a horrible financial position. Most of it was due to my own fault.I had to make the decision on how to fix it the best way I could.I talked to a lot of people and we all came up to the same conclusion, I had to declare bankruptcy.There was no way I could pay for all the bills with one income, we barely made them with 2 incomes. I searched and searched and decided to contact Hoyes, Michalos & Associates.That was the best phone call I could have made, the employees there are so compassionate, understanding and have a wealth of knowledge (Brian, Courtney).Even after signing and making the declaration of proceeding to follow through with Bankruptcy I received threatening calls from creditors. I called Hoyes, Michalos & Associates, told them what was happening and they took care of it, the calls stopped, the harassment stopped.Would I recommend these people, you better believe it.From the first day I walked in until the day I received my discharge it was the best decision I could have made.Everybody has there own set of circumstances as to why it becomes necessary to go down that lane but if you have to then I definitely recommend Hoyes, Michalos & Associates, they helped me and gave me the peace of mind I needed in a time when I was dealing with the loss of my husband and took the burden of bankruptcy off of my shoulders.

Hoyes, Michalos & Associates was able to help me get back on track. Answered all questions that I had and was able to take care of everything I needed along the way. 2 years has passed and now everything is completely paid off. 5 stars would recommend

I was so nervous about starting this process and Jason made me only feel comfortable and safe! I am beyond impressed with the service and on going support from Jason and his team. If you are struggling I HIGHLY recommend this company, you wont be sorry!! 10/10