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Hoyes, Michalos & Associates - Consumer Proposal & Licensed Insolvency Trustee (LIT) was established in 1999 to help people who need help getting out of debt and obtaining a fresh financial start. Hoyes, Michalos & Associates can support you if you're struggling with debt management in Kitchener, Elmira, and Saint Agatha (Waterloo). We serve the surrounding areas of Kitchener, Elmira, Saint Jacobs, Saint Agatha (Waterloo), Saint Clements, Bloomingdale, and Conestogo.
 
The reviews consistently praise Hoyes, Michalos & Associates' approach and empathic service. I found Scott and Ian both to be reassuring and professional, and the clients stress-free as the companies method was free from judgement and supportive. A majority were overwhelmed by anxiety and were later delighted with the received help, with one even saying that financial ruin was avoided. This positive growth took the edge off the bankruptcy process, with one client praising Martin's step-by-step guidance. Personal contact was highly valued by clients, indicating a sense of trust and security. Many of the clients said they felt relieved after obtaining service, and the company offered a potential way out of tight squeeze where one struggled, reader after it. The recommendations show the clients' gratitude for the kind service and emotional support in a difficult period. Clients also indicated that they took their service and recommendations seriously. Would highly recommend to anyone seeking a fresh start.
 
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