Positive Reviews: Customers appreciate the knowledgeable and approachable staff at Hoyes, Michalos & Associates, who guided them through the bankruptcy process and helped them achieve a fresh start. The debt experts provided excellent service, made the debt relief process easy and stress-free, and were able to consolidate debts and submit proposals with small monthly fees spread out over several years. Unique Facts: Hoyes, Michalos & Associates has been in business since 1999, helping hardworking Ontario citizens get a new financial start. The company offers debt relief options, such as consumer proposals and bankruptcy assistance, to those struggling with debts. Specialty: Hoyes, Michalos & Associates specializes in providing debt relief solutions, including consumer proposals, to individuals facing financial difficulties in Ontario. The company's dedicated team of professionals strives to help clients achieve a fresh start and become debt-free.