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 […]

Best Of Show - Is the Canadian Housing Bubble about to Burst?

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

Subscribe and download at iTunes or using the Stitcher app, or subscribe via our rss feed or download directly, or listen now: This is our final "best of" show of the summer, and it's a doozy: my interview with Hilliard Macbeth (you can find the original show notes on our is the Canadian real estate […]

Should You Get A Wedding Loan?

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

You’ve been planning your wedding down to the last small detail including the big question – how are we going to pay for this? Should you take out a wedding loan or use your credit card to cover some of the costs of your wedding or honeymoon? Let’s consider the concept of good debt and bad […]

Best Of Show - Change Your Debt Perspective With Robert Brown

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

Subscribe and download at iTunes or using the Stitcher app, or subscribe via our rss feed or download directly, or listen now: As I said on this show, Robert Brown's book Wealthing Like Rabbits contains the best first chapter in any personal finance book I have ever read.  (If you haven't read the book, you should).  This […]

When Is Overdraft Protection A Bad Idea?

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

Overdraft protection seems like a good idea. You pay a service fee to cover you for the unfortunate time or two, that your bank account is temporarily short of funds, avoiding costly returned or NSF cheque charges and the embarrassment of having your payment bounce. According to one big Canadian bank “it helps you manage […]

Best Of Show - Crushing Debt: Why Canadians Should Drop Everything And Pay Off Debt

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

Subscribe and download at iTunes or using the Stitcher app, or subscribe via our rss feed or download directly, or listen now: David Trahair is a CPA and prolific writer.  Today's show is a rebroadcast of his first appearance on Debt Free in 30, back in early 2015, where we talked about his book Crushing Debt: Why […]

Brantford Rotary Charity Airshow: Action In The Air

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

I am excited to share that the Brantford office of Hoyes, Michalos & Associates Inc. is a sponsor of this year’s Rotary Charity Airshow. The airshow will take place on Wednesday, August 31st at the Brantford Municipal Airport. While admission is free, the airshow will be accepting free will donations with all of the proceeds going […]

When A Debt Management Plan Doesn't Work

Joel Sandwith, Licensed Bankruptcy Trustee London & Sarnia Ontario
Posted in Success Stories
Posted by Joel Sandwith, BA - LIT

We work closely with several local credit counselling agencies so it’s not unusual for clients to be referred to our offices from credit counsellors. Sometimes they are sent straight to our office because it’s obvious that their situation is severe enough that only a bankruptcy or consumer proposal will solve their debt problems. At other times, […]

Best Of Show - Should You Pay Down Debt, Or Invest In RRSP?

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

Subscribe and download at iTunes or using the Stitcher app, or subscribe via our rss feed or download directly, or listen now: Today's show is a rebroadcast from Season #1.  It's one of our most down-loaded shows, because it answers a common question: Should I pay down my debt, or contribute to my RRSP?  The […]

Student Debt: Facts, Lessons & Solutions

Posted in Debt Help

The cost of post-secondary education has been steadily increasing in Canada, leaving many graduates with student debt that is becoming much more difficult to pay back. Today’s students face ever growing tuition fees, additional compulsory fees, and residence fees. In fact, the national average undergraduate tuition fee in 2015/2016 was $6,191 with Ontario tipping the […]

30 Practical Tips To Avoid Debt

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

Today’s show is our 100th episode of Debt Free in 30. Since, it first aired in September 2014, Debt Free in 30 has broadcast 100 episodes over 2 seasons to thousands of listeners. To celebrate this milestone, I broke away from my usual format. No guests, no specific topics this time. Instead, I shared my top 30 tips to help you avoid unwanted debt.