What is a Licensed Insolvency Trustee?

Ted Michalos Licensed Insolvency Trustee
Posted in Bankruptcy Trustee
Posted by Ted Michalos, BA, CPA - LIT

Bankruptcies and consumer proposals in Canada are debt restructuring options available under the Bankruptcy & Insolvency Act. Increasingly today consumers are choosing to file a consumer proposal and avoid declaring bankruptcy. In order to help consumers more easily recognize and identify individuals licensed to provide debt restructuring services (both bankruptcies and consumer proposals) under the […]

Victory Lap Retirement. EXCLUSIVE First Podcast Interview

Podcasts
Posted in Debt Free In 30
Posted by J. Douglas Hoyes, CA, CPA, CIRP, CBV - LIT

Today’s podcast is the first ever podcast interview with Jonathan Chevreau and Mike Drak together, talking about their new book Victory Lap Retirement about how to transition from a high stress work environment to a low stress sustainable lifestyle to enjoy a happier, healthier life.

Jonathan Chevreau & Mike Drak: Victory Lap Retirement Transcript

Rebuild Credit with Doug Hoyes
Posted in Debt Free In 30
Posted by J. Douglas Hoyes, CA, CPA, CIRP, CBV - LIT

Listen to Victory Lap Retirement. EXCLUSIVE First Podcast Interview Doug H:            Today we're going to talk about retirement. No, I'm not going to talk about how much you need to save for retirement; I'm not a retirement expert so you don’t want me doing that math for you. I'm a debt expert and I happen […]

How To Correct Errors On Your Credit Report

Rebecca Martyn, Licensed Bankruptcy Trustee Chatham, Leamington & Windsor Ontario
Posted in Debt Help
Posted by Rebecca Martyn, CPA, CGA, CIRP - LIT

It is a good idea to check your credit report every year. In Canada, there are two credit reporting agencies: Equifax and TransUnion. They each allow you to get one free credit report by mail every year. To ensure that the information is accurate, alternate between the two agencies every 6 months. For instance, if […]

Everything You Were Afraid To Ask About Debt

Podcasts
Posted in Debt Free In 30
Posted by J. Douglas Hoyes, CA, CPA, CIRP, CBV - LIT

Doug Hoyes and Ted Michalos held a LIVE webcast answering questions from real listeners and subscribers about dealing with debt. Here is the podcast version.

Ask Debt Expert Webinar & Podcast Transcipt

Rebuild Credit with Doug Hoyes
Posted in Debt Free In 30
Posted by J. Douglas Hoyes, CA, CPA, CIRP, CBV - LIT

Listen to the podcast: Everything You Were Afraid to Ask About Debt Doug Hoyes:    It’s 7:00 pm on September the 14th, 2016 and we’re broadcasting live from the Hoyes Michalos offices here in Kitchener, Ontario. Today’s topic is ‘Everything You Were Afraid to Ask About Debt’. We know that debt is an uncomfortable topic. You […]

What To Do If Your Wages Are Being Garnisheed: Infographic

Posted in Debt Help

A wage garnishment is a legal proceeding where a creditor sues a debtor to ensure that they are repaid for a debt. Any creditor can sue for a garnishment order for any debts owed including outstanding loans and bill payments to alimony and child support. To garnishee someone’s wages, a creditor must first file a Statement of Claim. […]

Walmart vs. Visa, Podcast 106, Transcript

Rebuild Credit with Doug Hoyes
Posted in Debt Free In 30
Posted by J. Douglas Hoyes, CA, CPA, CIRP, CBV - LIT

Listen to the podcast: Why is Walmart Fighting Visa? Doug Hoyes: Last week I announced our new format here on Debt Free in 30.  I said that some of our shows would be shorter than 30 minutes, and one of my goals was to use this new format to explore current topics, and that’s exactly […]

Why is Walmart Really Fighting Visa?

Podcasts
Posted in Debt Free In 30
Posted by J. Douglas Hoyes, CA, CPA, CIRP, CBV - LIT

On today's show, I take a look at the fight between Walmart and Visa and talk about the many reasons, beyond high fees, why Walmart doesn't want to accept Visa in their stores any more.

Must A Consumer Proposal Include All My Creditors?

Rebuild Credit with Doug Hoyes
Posted in Consumer Proposals
Posted by J. Douglas Hoyes, CA, CPA, CIRP, CBV - LIT

A consumer proposal has a lot of advantages. It offers legal protection while you make a settlement offer to your creditors. It also allows you to negotiate payments you can afford while keeping assets like a home, RESP and other investments. Moreover, it offers substantial flexibility in terms of payment terms. However, there are certain […]

A New Season, A New Format for Debt Free in 30

Podcasts
Posted in Debt Free In 30
Posted by J. Douglas Hoyes, CA, CPA, CIRP, CBV - LIT

Doug Hoyes is excited to share that with a new season, comes a new format. Listen to hear more of how Debt Free in 30 is evolving to offer listeners the content they want, in the format they prefer.