Dispelling Myths About Bankruptcy


J. Douglas Hoyes, Bankruptcy Trustee Ontario
Posted in Personal Bankruptcy
Posted by J. Douglas Hoyes, CPA, CIRP, CBV - TRUSTEE

Bankruptcy. We see it as one of those ugly, better-left-unsaid words that elicit a strongly negative reaction. But is our distaste completely warranted? Sure, it’s not a pleasant concept, but so much of the stigma attached is due to commonly believed myths about bankruptcy that emerge from misconceptions and misinformation. We hear certain myths about […]

Oct 15, 2013

Credit Counselling: An Open and Honest Conversation with Heather Cudmore


J. Douglas Hoyes, Bankruptcy Trustee Ontario
Posted in Debt Free In 30
Posted by J. Douglas Hoyes, CPA, CIRP, CBV - TRUSTEE

On this weeks show have an open and honest conversation with Heather Cudmore, a credit counsellor with Mosaic Counselling and Family Services, about credit counselling, debt management plans, and your options when dealing with debt.

Sep 27, 2014

Credit Counselling – Show #4 – Full Transcript


J. Douglas Hoyes, Bankruptcy Trustee Ontario
Posted in Debt Free In 30
Posted by J. Douglas Hoyes, CPA, CIRP, CBV - TRUSTEE

Credit Counselling with Heather Cudmore Podcast from http://www.hoyes.com/blog/credit-counselling-conversation-with-heather-cudmore/ [Start of recorded material 00:23:00] What is Credit Counselling All About Doug Hoyes:     Welcome to Debt Free in 30 where every week we take 30 minutes and talk to industry experts about debt, money and personal finance. I’m Doug Hoyes. There are lots of ways to deal with debt, and […]

Sep 27, 2014

What Is The True Cost of Filing Bankruptcy?


Posted in Personal Bankruptcy

There is a lot to consider when deciding whether or not you should declare bankruptcy. Top of mind is often the question: what will it cost me to file for bankruptcy? Yes, there is a financial cost which will include a monthly payment and there is the potential you may lose non-exempt assets. However there […]

Sep 25, 2014

Gail Vaz-Oxlade – Is Reality TV Reality?


J. Douglas Hoyes, Bankruptcy Trustee Ontario
Posted in Debt Free In 30
Posted by J. Douglas Hoyes, CPA, CIRP, CBV - TRUSTEE

Subscribe and download at iTunes or using the Stitcher app, or subscribe via our rss feed or download directly, or listen now: Do Something About Your Finances Today’s guest is one of the most well-known personal finance experts in Canada, Gail Vaz-Oxlade. Gail was the host of three popular television shows Till Debt Do Us Part, Princess and […]

Sep 20, 2014

Gail Vaz-Oxlade – Show #3 – Full Transcript


J. Douglas Hoyes, Bankruptcy Trustee Ontario
Posted in Debt Free In 30
Posted by J. Douglas Hoyes, CPA, CIRP, CBV - TRUSTEE

Gail Vaz-Oxlade Podcast from http://www.hoyes.com/blog/gail-vaz-oxlade-is-reality-tv-reality/ [Beginning of recorded material at 00:25:00] Gail’s Talks About Reality TV Doug Hoyes:     Welcome to Debt Free in 30, where every week we take 30 minutes and talk to industry experts about debt, money and personal finance. I’m Doug Hoyes. Today I’m very pleased to welcome to the show one of […]

Sep 20, 2014

Debt Free and Rebuilding Credit


Posted in Testimonials

Chris, Toronto Consumer Proposal Client We love to hear from clients who have successfully completed their consumer proposal and begun the process to rebuild their credit and their financial future. Here’s one response we received about just such a success story: Good news, no, great news! I just made my last payment on Monday and […]

Sep 18, 2014

Seniors and Debt – Bag Lady Fears


J. Douglas Hoyes, Bankruptcy Trustee Ontario
Posted in Debt Free In 30
Posted by J. Douglas Hoyes, CPA, CIRP, CBV - TRUSTEE

Listen now, or subscribe and download at iTunes, or subscribe via our rss feed or download directly. Show #2 – Aging and Debt – Bag Lady Fears with Dr. Lee Anne Davies Show Summary In today’s podcast, Dr. Lee Anne Davies, co-author of When Life Bites You in the Wallet, discusses the financial challenges faced by seniors, […]

Sep 13, 2014

Seniors And Debt – Show #2 – Full Transcript


J. Douglas Hoyes, Bankruptcy Trustee Ontario
Posted in Debt Free In 30
Posted by J. Douglas Hoyes, CPA, CIRP, CBV - TRUSTEE

Seniors & Debt Podcast from http://www.hoyes.com/blog/seniors-and-debt-bag-lady-fears/ [Start of recorded material 00:00:25] Seniors and Debt Literacy Doug Hoyes:     Welcome to Debt Free in 30 where every week we take 30 minutes and talk to industry experts about debt, money and personal finance. I’m Doug Hoyes. Did you know that the fastest growing age group of people who […]

Sep 13, 2014

Should I File Bankruptcy: Medical Expenses and Care Obligations


Joel Sandwith, Licensed Bankruptcy Trustee London & Sarnia Ontario
Posted in Personal Bankruptcy
Posted by Joel Sandwith, BA - TRUSTEE

“Medical bankruptcy” is very common in the United States, when high medical bills force people into bankruptcy.  We assume that because Canada has “free” health care medical bankruptcy doesn’t occur here, but that’s only partially true.  While it is true that hospital visits and doctor’s bills are covered in Canada, there are other medical bills associated with […]

Sep 11, 2014

First Debt Free in 30 Show – Ted Rants


J. Douglas Hoyes, Bankruptcy Trustee Ontario
Posted in Debt Free In 30
Posted by J. Douglas Hoyes, CPA, CIRP, CBV - TRUSTEE

In our first Debt Free in 30 Show, Doug Hoyes and Ted Michalos, co-founders of Hoyes, Michalos & Associated talked about what they wanted to achieve from the show. We explain the goal of the show which is to bring in a variety of guest speakers who can provide an interesting perspective on debt, money and personal finance. We hope to bring you not only interesting conversations, but practical advice on what you can do to become debt free.

Sep 6, 2014