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

Each and every person that I have had the pleasure to speak with has been kind, responsive and extremely supportive. in a time that I was feeling like there was no way for me to find my way out and the very institutions that I was relying on were not returning my calls, this firm gave me hope. Now I actually have a reason to smile when I think of Christmas with my family. I can enjoy my new job and work at building back my RRSP options and savings. That's what this company means to me. Thank you doesn't nearly enough, but I am forever grateful.

I got a hold of Hoyes, Michalos, and associates by chance, and am quite happy with the result. My trustee was Benny M, straight to the heart of the issue and worked with me to resolve the problem. The staff were great over the course of my time as a client as well. Whether I called in for creditors, income summary, taxes, they were always very responsive and concise in resolving the issue. The whole process was smooth and I have no regrets. I would highly recommend. A+++.

I highly recommend Hoyes! Mr. Benny and his team are incredibly professional and super helpful at what they do. Their friendliness and ease of service is above and beyond expectations!

I highly recommend them. Benny and the rest of the team are so friendly and very approachable. They explained every single details. Hoyes is a big help to those who are struggling financially. Thank you so much.

If you're someone considering a consumer proposal or bankruptcy, I definitely recommend Hoyes as a good place to go for information and help regarding that issue. Everyone I have talked to has been super helpful in educating me. If you're not sure what to do, just ask to speak to someone. They are wonderful people. Thank you to Janette, Benny and Brennan. I appreciate all their help, and what Hoyes, Michalos & Associates is here for.

I just declared bankruptcy with hoyes michalos and was extremely satisfied with the service. I was dealing with Benny, I found him to be a trustworthy, kind and patient man as well as extremely professional. I highly recommend this firm, they made the experience run smoothly and I thank Benny from the bottom of my heart!!!

unbelievably great, there is no word can explain Mr. Benny's kindness and professionalism. I wish i had spoke to him 3 years ago. My financial downturn started four years a go, I lost the job and family health issues brought me to financial graveyard, I spent all my savings and started using credit cards and paid one card from the other, it didn't take long to get to the point of no return. last year became where can no longer pay full minimum payment. I got depressed and developed high blood pressure and no longer can sleep at night, every time phone rang, made me panic. every day I thought to call Mr. Benny but couldn't gather the courage to pickup the phone and call him or send an email. I was afraid that he will get upset at me and Yale at me and won't help me to get out of this. I was wrong, I sent an email, he got back to me right away, he listened to my situation patiently, and without prejudice, and explained what options are available and gave me time to think over it. In my situation bankruptcy was the only right option for me to choose, and i choose to file for bankruptcy. He was so professional and punctual on each step, he made procedure strait forward and understandable for me, He took care of everything all phone calls stopped. Mr. Benny gave me new life...… Soon after filing for bankruptcy, I was able to rewrite my resume, put all my energy toward finding the new job and get back to normal. Now I have new job, have no stress and good family life, all because of one person's help and that's Mr. Benny. any time if I have any question, they are only phone call away, all his staff are awesome too. If you are reading this and trying to deal your self with your financial problems, I would say call him and get the best outcome. Thank you, Mr. Benny, god bless you for ever.

If your facing financial hardship and considering a bankruptcy or consumer proposal I highly recommend Hoyes, Michalos & Associates. At first I am hesitant but the moment I was talking to Benny for consultation I feel at ease. Benny and his team are very professional and comfortable to talk with. He will help you understand the process step by step. It’s just few months ago that I started my proposal but I can feel that my financial situation is getting better through the help of your team and I am very thankful to all of your team. Wish you all the best.