Managing Debt In A Boom & Bust Economy

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

Recently, oil prices have declined, affecting the finances of those who work and/or live in a boom-bust economy. Alberta is a prime example of this type of economy, but the sting is also being felt in Newfoundland and Labrador. Our guest Ian Penny talks about how eastern Canadians are managing debt in the recent down cycle.

May 23, 2015

Show #38 - Full Transcript - Debt In A Boom & Bust Economy

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

Listen to the podcast - Managing Debt In A Boom & Bust Economy Doug H:            Welcome to Debt Free in 30, the show where every week we take 30 minutes and talk to industry experts about debt, money and personal finance. I'm Doug Hoyes. I've got a good guest today so I want to get […]

May 23, 2015

What's The Right Way To Consolidate Debt?

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

We talk with licensed mortgage agent, Mark Moreau to get his take on loaning against your home. He talks about the process of refinancing a home through a secured line of credit or second mortgage.

May 16, 2015

Show #37 - Full Transcript - Debt Consolidation

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

Listen to the podcast about What's The Right Way To Consolidate Debt Doug H:            Welcome to Debt Free in 30, the show where every week we talk to industry experts about debt, money and personal finance. I'm Doug Hoyes. So, you've got a bunch of debts. You owe money on three different credit cards, and […]

May 16, 2015

You Should Pay Off Your Debts (Unless You're In Over Your Head)

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

If you have debts, you should pay them off. That statement is so obvious that no one would disagree with it. Except me, in one circumstance. I agree that if possible you should pay off your debts on your own. You borrowed the money and it's always best if you can pay it off. Paying off your […]

May 14, 2015

Joe Debtor: Marginalized by Debt

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: Low Interest Rates Mask Crippling Debt Canadians do not appear to be worried about high debt levels. Interest rates are at record lows and bankruptcy rates have declined for the last five years. […]

May 9, 2015

Show #36 - Full Transcript - Joe Debtor 2015 Study

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

Listen to the podcast - Joe Debtor: Marginalized By Debt Doug H:            Welcome to Debt Free in 30, the show where every week we take 30 minutes and talk to industry experts and debt, money and personal finance. I'm Doug Hoyes. So, what does someone who goes bankrupt look like? That's a question we asked […]

May 9, 2015

Joe Debtor: At-Risk Canadians Drawn Into Cycle of Debt

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

Our newest Joe Debtor study reveals that, for a core group of Canadians, debt is a survival tool. Yes, insolvency rates in Canada and Ontario have declined. In Canada, total personal insolvencies (including personal bankruptcy and consumer proposal filings) declined 0.5% in 2014. At the same time Ontario insolvencies fell 7%.  Yet certain at-risk groups […]

May 4, 2015

Exposing Collection Agencies' Dirty Tricks

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

Former collection agency lawyer, Mark Silverthorn exposes five collection agency dirty tricks. During his 12 years in the industry, Mark witnessed many tactics used by collection agencies to get people to pay up and he tells us the top 5.

May 2, 2015

Show #35 - Full Transcript - Talking Collection Agencies with Mark Silverthorn

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

Listen to the podcast Exposing Collection Agencies' Dirty Tricks 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. In my real life, when I am not doing this radio show and podcast I help people deal with their debt. They […]

May 2, 2015