Howard Hayes has been helping individuals deal with overwhelming debt since 2005.  Howard worked as a Credit Counsellor in Cambridge & Brantford before joining Hoyes, Michalos. Howard’s previous experience give him detailed insight and understanding to all of the available options someone has when it comes to searching for a workable solution to overwhelming debt.

Howard is now a Licensed Insolvency Trustee and Consumer Proposal Administrator and manages our Cambridge and Brantford offices. His aim is to provide you with good, sound, honest advice to help you find a fresh financial start.

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Designations


  • BTec Business & Finance – North Lindsey Technical College, 1992
  • CIRP (Chartered Insolvency Restructuring Professional), 2012
  • Licensed Insolvency Trustee and Consumer Proposal Administrator, Government of Canada, 2013
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Professional Experience


  • ServiceSource Europe, 2002 – 2004
  • Credit & Debt Services, 2005 – 2007
  • Hoyes, Michalos & Associates Inc., 2007 – present