4 Stages of A Consumer Proposal


Posted in Consumer Proposals

If you are wondering how a consumer proposal works, our infographic makes the process easy to understand by looking at the 4 stages of a proposal:

Stage 1: Assessment & Payment Plan
Stage 2: Filing & Voting
Stage 3: Making Payments
Stage 4: Completion & Credit Repair

Nov 13, 2014

Holiday Season Tip Show


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 #16 – Holiday Season Tip Show with Dr. Lee Anne Davies, Gail Vaz-Oxlade, and Heather Cudmore In today’s podcast three of our most popular guests return with some timely advice for the holiday season. Dr. Lee Anne Davies, co-author of […]

Dec 20, 2014

Holiday Season Tip Show – Show #16 – Full Transcript


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

Listen to our Holiday Season Tip Podcast [Start of recorded material]  [00:00:00] Doug Hoyes:     Welcome to a special holiday money tips edition of Debt Free in 30. I’m Doug Hoyes and since it’s the holiday season, we’ve got a special show for you today. On most of our shows I have one guest for the entire […]

Dec 20, 2014

Why Creditors Might Challenge Your Bankruptcy Discharge


Wendy Young, Client Service Specialist & Credit Counsellor, Hoyes, Michalos
Posted in Personal Bankruptcy
Posted by Wendy Young, CERTIFIED CREDIT COUNSELLOR

Generally speaking, a bankruptcy takes root, grows and is snipped at the stem come discharge time without incident. However, there can be complications that need to be dealt with before this natural progression can unfold.  While a creditor cannot stop you from filing for bankruptcy, they can certainly do their part to create challenges that […]

Dec 18, 2014

Lessons Learned From Orchestra London’s Financial Problems


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

Possible Bankruptcy In Orchestra London’s Future I was interviewed today by Devon Peacock on AM 980 to discuss the possible bankruptcy of Orchestra London.  I’m not involved in the file and have no insider knowledge, but here’s what I do know: If your expenses are higher than your income, you have a problem.  This appears […]

Dec 17, 2014

The Psychology of Money – Sarah Milton


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: Why is the Psychology of Money Important? Today’s guest is Sarah Milton, a Pension Account Manager with Clearpoint Benefit Solutions where she is committed to delivering quality financial education sessions to help empower […]

Dec 13, 2014

The Psychology of Money – Show #15 – Full Transcript


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

Full Transcript from The Psychology of Money – Sarah Milton [Start of recorded material]   [00:00:00] Doug Hoyes:     Welcome to Debt Free in 30, where every week we talk to experts about debt, money and personal finance. That’s exactly what we’re going to do today. I’ve got a great guest on the line, so let’s get […]

Dec 13, 2014

A Timeline Of Debt


Posted in Debt Help

Debt has a way of creeping up. At almost every age there is a reason to take on debt in one form or another. Our infographic visits those life stages so you can understand the financial impact of life’s big milestones so you don’t end up with more debt than you can repay.

Dec 11, 2014

North York Case Study: Professionals Without A Plan


Posted in Success Stories

Download North York Consumer Proposal Case Study: Professionals Without A Plan Howard and Sheryl lived the dream life.  They both earned good incomes from their careers as lawyers in downtown Toronto, lived in a nice home in North York and have 2 bright children who are completing their educations at good schools.  What they didn’t […]

Dec 9, 2014

Wealthing Like Rabbits With Robert Brown


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: What Homer Simpson, Starbucks and Star Trek Can Teach Us About Personal Finance Today’s guest is Robert Brown, author of a new book called Wealthing like Rabbits – An Original Introduction to Personal […]

Dec 6, 2014

Wealthing Like Rabbits Show #14 – Full Transcript


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

Full transcript from Wealthing Like Rabbits with Robert Brown [Start of recorded material]   [00:00:00] Doug H:            Welcome to Debt Free in 30 where every week we talk to industry experts about debt, money and personal finance. I’m Doug Hoyes. Today we’ve got a great show for you. I’ve got an author with me today, so […]

Dec 6, 2014