Why Our Credit Reporting System Is Broken


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

Do you care about your credit score? Most people do. You want a good credit score so you can get a credit card or qualify for a loan to buy a car or a house.  Makes sense. However, the steps you take to improve your credit score may not be sound financial decisions if all you […]

Oct 21, 2014

Credit Counselling vs. Debt Reduction Companies: What’s the Difference?


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: Show #7 – Accredited Not-for-Profit Credit Counselling vs Unregulated Debt Reduction Companies – Sue Davey Show Summary Sue Davey is a credit counsellor with the Family Counselling Centre of Brant, a full service […]

Oct 18, 2014

Credit Counselling and Debt Reduction Companies – Show # 7 – 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 Show # 7 – Credit Counselling vs. Debt Reduction Companies [Start of recorded material 00:00:00] 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 we are going to talk again about […]

Oct 18, 2014

Mortgage of 90% Or More A Bankruptcy Risk


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

Without the ability to borrow with a mortgage few of us would be able to buy a home.  That’s why mortgages are great, but only to a point.  It is possible to have too much mortgage. Avoid A High Ratio Mortgage A mortgage is considered a high ratio mortgage when you have less than a […]

Oct 16, 2014

Time To Change The RESP Rules for Bankruptcy?


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: Show #6 – RESPS with Mike Davies, Barton Goth, and Ted Michalos Show Summary On today’s podcast we cover several issues around Registered Education Savings Plans including: what they are and why you […]

Oct 11, 2014

RESPs – Show #6 – Full Transcript


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

RESPs with Mike Davies, Barton Goth and Ted Michalos, from Show #6 – Is it time to change the RESP rules for bankruptcy? [Start of recorded material 00:00:00] 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 […]

Oct 11, 2014

How To Reach Your Findependence – with Jonathan Chevreau


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: Financial Independence and Guerilla Frugality Show Summary In today’s podcast, Jonathan Chevreau, authour of Findependence Day, discusses how to use guerrilla frugality to eliminate debt and become financially independent. “Findependence” is a combination of […]

Oct 4, 2014

Findependence – Jonathan Chevreau – Show #5 – Full Transcript


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

Jonathan Chevreau podcast transcript from Show #5 – How To Reach Your Findependence Day Jonathan Chevreau: How to Achieve Financial Independence [Start of recorded material 00:00:00] 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. […]

Oct 4, 2014

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