Nicholas To - Hoyes, Michalos & Associates Markham

Nicholas had an impressive level of professionalism, knowledge. He created a great case for my proposal, knowing how to best deal with the banks. I got my consumer proposal approved in the 1st attempt, and getting back my sleep and my mental health back on track with easy affordable monthly payments. About two thirds of my debt dissappeared into thin air overnight.

Nicholas really took the time to go through all the information and get my consumer proposal the best rate. He made the process really simple and easy. I was very worried going into this but Nicholas truly helped me feel secure that I was making the right decision.

I had a great experience. I was very unsure about the whole situation I got myself into and thought there was no hope for me to get out of debt , they did a fantastic job and I would highly recommend them