In 2013 I came upon tough times due to being laid off from a job I had been in for 10 years. After much distress, I was referred to David Sklar by my credit counselor at the time, and 3 yrs later, I've finally made it back on my feet with their help. Thank you for your patience, understanding and guidance.

They made everything simple and easy, and were able to guide me fix a lot of my credit issues. What was supposed to take 5 years only took me 2 and I owe that to the amazing people who work at David Sklar's offices in Mississauga. If you have issues with credit, they can help.

Highly recommend! Kind and compassionate service. Very professional

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I had a great experience with Spergel. All the individuals I interacted with were all understanding, helpful and very pleasant. Answered any questions I might of had without attitude or disrespect. They did not make me feel bad about my situation at any given time during the process. I would definitely recommend this company to family, friends or anyone for that matter.

The staff is very knowledgeable and so helpful. They helped me get right back on my feet through their financial counseling sessions and consultations. Mr. Galea and his staff are also very quick to respond to my inquiries. I am forever grateful to him and his team.

The staff was very supportive and helpful at every step of the process. It was quite reassuring to deal with them.

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Great experience. Jennifer and her team at Hoyas, Michalos & Associates has helped me through my entire journey of the bankruptcy process the entire way. They are here to help and that's what they did. If you need help regarding your financial situation come to Hoyas, Michalos & Associates, you'll be in good hands.

Jennifer and her team are very professional, kind, supportive and super helpful. She was able to help me get back on track and have a fresh start. I am so truly grateful to Hoyes, Michalos & Associates. EXCELLENT service and I will definitely recommend them.

Hoyes, Michalos & Associates are really helpful to people who are having financial difficulties and dealing with their debt problems. I highly recommend this company if you want to be debt free and have a better life.

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