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

Sandra is incredible. Every step of the way, from the very first call I made, to every phone call and zoom meeting to get my consumer proposal started and finalized, I felt supported, my questions answered, I was guided through the process, being met at the level I was at. I went from making minimum payments of over $2000/month knowing I'd be drowning in debt for decades, to making interest-free payments of $700/month knowing I'll be debt free in exactly 5 years. It's not an exaggeration to say my consumer proposal has changed my family's life, both immediately as well as for decades and generations to come, and that Sandra and the entire Hoyes team made it easy and worry-free. I can't thank you enough.
Mar 4th, 2023

Twice now Hoyes, Michalos and associates has settled my debt by making an affordable payment plan on my behalf with my creditor/collection agency. I'm so excited because soon I will be debt free and all thanks to Sandra Sykora ,she has been so amazing , non judgemental and always available to address all my concerns. She has been dealing with my creditors on my behalf. If you have any debt and can't afford to pay, collection is calling you and threatening you than you should call Hoyes, Michalos and associates ASAP.
Feb 28th, 2023

Cannot recommend Hoyes, Michalos & Associates enough. A couple friends had used and recommended as they both had great experiences. As did I! Sandra was beyond helpful and gave me so much clarity as to what I needed to do to gain control of my debt. Do not hesitate if you need to file for bankruptcy or a consumer proposal. Thanks again!
Jan 10th, 2023

I have been working with Hoyes, Michalos and Associates since this past summer and it has been a positive experience. The knowledge and expertise of Sandra Sykora and the rest of the team has been beneficial while navigating the reality of a bankruptcy situation.
Oct 28th, 2022

Sandra Sykora did an outstanding job helping me through every step! She is a consummate professional, personable, kind and patient. Hoyes, Michalos & Associates were the perfect choice to successfully deal with debt. Highly recommended!!
Oct 17th, 2022