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

After a messy separation and unfair legal ramifications, I found myself struggling to make ends meet between support / lawyers and individual basic costs. HMA helped me see that there are much better options than struggling to make payments when life situations outside of your control occur. Brennan and Brett were polite, worked for me and did an amazing job. If you could save 70% of debts wouldn't you?

For those wanting a fresh restart on your financial life, I highly recommend this firm, but above all, I recommend Brett Nicholson! Friendly, professional, knowledgeable, and down to earth! There is always help available. One must just ask for it! Highly recommend!

Made my life again.Brett was a true pro.Wish I knew sooner.I felt his concern for me and he made me enjoy life again.Thank you Hoyes,Michalos and especially Brett my trustee.

To the team at Hoyes, thank you for making the process seamless. All the dealings were spot on and Brett & Brennan helped me with my particular situation with the best interest. Thank you again and would highly recommend to anyone who's in need of their services.

Deciding to go with Hoyes, Michalos & Associates Inc. is the one of the best decisions I have ever made in my life. I am really lucky to get Brett Nicholson as my trustee. I recommend him 100% if you can get him as your trustee.He is extremely knowledgable and professional. He responds to emails and phone calls in a timely manner and will put your best interest at heart.Brett is also very caring and understanding. He takes the time when explaining things to me and ensures that all of my questions are answered. Having Brett as my trustee has reduced a lot of my stress as he always tries to help where and when possible. He really goes the extra mile to help me when I reach out to him.I recommend Hoyes, Michalos & Associates Inc. to anyone who is in a sticky situation. I am sure that the other trustees are good but if you can work with Brett Nicholson, you are in really good hands.

Everyone at Hoyes, Michalos & Associates was extremely knowledge, helpful and non-judgemental in assisting me with handling my personal situation regarding debt. I had been putting everything off while it was slowly eating away at me day by day.Any questions I had were answered to the fullest extent. Communication was always professional and succinct. I would 100% recommend dealing with them for any insolvency, credit or debt related inquiry.Special shoutout to Brett and Brennan who I worked closely with.Thank you guys again!!

Best decision I ever made to contact Hoyes, Michalos & Associates! They are truly the best company for financial support. I am very grateful for all they have done for me!

I am so grateful I chose Hoyes, Michalos & associates to help me finally become debt free. They made my experience pain and stress free. Every question was answered and Im finally living debt free with a small bi-weekly payment.I could not be happier with my experience with them!

Honestly the best decision I’ve made this year was to get help from Hoyes, Michalos & Associates. Their Vaughan office is conveniently located and Brett is a real pleasure to work with. They really care about what they do and the people they do it for. I thought the whole process would be very impersonal, but it is not, which I think is important to be successful. My Consumer Proposal was accepted! They literally saved my life and afforded me the fresh start needed to go forward after many challenging years. Thank you to the Team! Anyone thinking of using their services, just do it, don’t wait as long as I did to finally ask for help.

The level of service provided by this company is exceptional. Since the first communication I had with them, I was always treated with the utmost respect. With everyone I talked to (Brett & Maryia especially), I always felt they genuinely cared about my situation and wanted to help me sort it out. I highly recommend them to anyone who is struggling financially and need professional, humane counseling on what to do next. Thank you so much.