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

An In-depth Look At Tax Debt Solutions

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

Today on Debt Free in 30 I discuss taxes, Canada Revenue Agency, and debt options with our resident Hoyes, Michalos tax expert, trustee in bankruptcy, Ian Martin.

Mar 28, 2015

Show #30 - Full Transcript - FAQ Show Tax Debt

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

Listen to full podcast An Indepth Look At Tax Debt Solutions Doug H:            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. It’s the end of the month so that means it’s time for another Frequently Asked […]

Mar 28, 2015

Can I File Bankruptcy On My Own?

Jason Quinney, Bankruptcy Trustee, Hoyes, Michalos
Posted in Personal Bankruptcy
Posted by Jason Quinney, CIRP - TRUSTEE

It is not legally possible to file personal bankruptcy on your own.  Bankruptcy can only be filed by a licensed trustee in bankruptcy under the Bankruptcy and Insolvency Act (BIA) as set out by the Office of the Superintendent of Bankruptcy.  This arm of the Canadian federal government is responsible for licensing trustees and monitoring […]

Mar 26, 2015

Are Bankruptcy Trustees Capable Of Having A Laugh?

Howard Hayes, Licensed Bankruptcy Trustee Cambridge and Brantford Ontario
Posted in In The News
Posted by Howard Hayes, Btec, CIRP - TRUSTEE

The answer of course is a resounding yes, but if you don’t believe me you’ll have to join me and some of my colleagues on Saturday April 18th at Bingemans for the Benefit Comedy Night in aid of the National Autism Foundation. As proud sponsors, we’ll be attending the event and are looking forward to being entertained […]

Mar 24, 2015

Rob Carrick: Change The Way We Borrow & Save

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

Today's guest is Rob Carrick, personal finance columnist for the Globe & Mail. When the Globe announced they were going to start a financial boot-camp, Rob discovered that the most urgent concern for Canadians is debt. Rob talks about his attitude towards debt and when to save versus pay off debt.

Mar 21, 2015

Show #29 - Full Transcript - Mortgage Payments vs. Investing

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

Listen to Podcast, Rob Carrick: Change The Way We Borrow & Save Doug H:            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 my guest is Rob Carrick, a personal finance columnist for the Globe and […]

Mar 21, 2015

What Is Your Debt Alarm?

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

Recently the fire alarm went off in our office building.  My colleagues and I a looked in the hallway, it appeared all clear and we exited the building.  We overheard several people discussing why they shouldn’t leave the building.  I am thinking hmmm, the alarm is going off, no one knows if it is a […]

Mar 19, 2015

Paying Off Student Loan Debt

Posted in Debt Help

Since 1984 the Canada Student Loans Program has provided more than 41 billion dollars in student loans to over 4.8 million students. Unfortunately not everyone can find suitable employment after graduating making paying off those loans difficult. In fact the Canadian government wrote off more than $300 million in student debt in 2015. Our infographic takes […]

Mar 17, 2015

Wage Garnishments. No Need To Panic

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

On today's podcast our experts explain everything you need to know about wage garnishments and what you can do if you receive notice, or even a threat, that you wages will be garnisheed.

Mar 14, 2015

Show #28 - Full Transcript - Wage Garnishments

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

Listen to full podcast Wage Garnishments. No Need To Panic. Doug H:            Welcome to Debt Free in 30 where every week we take 30 minutes to talk to industry experts about debt, money and personal finance. I’m Doug Hoyes. As frequent listeners to this show know, I’m the co-founder of Hoyes, Michalos & Associates. A […]

Mar 14, 2015