Debt Advice from Booming Alberta – Show #12 – 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 Challenges of Managing Money in a Booming Economy [Start of recorded material – 00:00:21] Doug:                Welcome to Debt Free in 30 where every week we talk to industry experts about personal finance, debt and general money management. My name is Doug Hoyes and I am joined today by yet another guest expert. […]

Nov 22, 2014

Turning Debt into Hope with Chris deVries


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

Our guest today is Chris deVries, who worked for over 13 years with a large Canadian bank. The morning after we recorded this show Chris quit his job at the bank, and accepted a job as a leadership trainer for another organization. Chris started the show by explaining his background, and telling us about the wide range of people he has counselled through his church. In his experience the concept of managing finances is not taught well, and as a result many people go through life learning some tough lessons the hard way about debt and money.

Nov 15, 2014

Turning Debt into Hope – Chris deVries – Show 11 Full Transcript


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

From podcast Turning Debt Problems into Hope with Chris deVries [Start of recorded material]    [00:00:00] Doug H:            Welcome to Debt Free in 30. My name is Doug Hoyes This is the weekly show where we talk about money, debt and person finance. I’ve got a great guest with me here today so let’s get started. […]

Nov 15, 2014

Ellen Roseman: Financial Literacy Starts with Being Suspicious


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 Ellen Roseman, a columnist for the Toronto Star, author of many books, and a well known consumer advocate. We discussed the state of financial literacy in Canada, and Ellen is encouraged that Canada now has a Financial Literacy Leader (Jane Rooney, our guest last week).

Nov 8, 2014

Ellen Roseman – Show #10 – 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 for Show #10 – Ellen Roseman – Financial Literacy Starts with Being Suspicious [Start of recorded material at 00:00:00] Doug Hoyes:     Welcome to Debt Free in 30, I’m Doug Hoyes. My guest today is Ellen Roseman, a columnist for the Toronto Star and author of many books on personal finance. It’s Financial Literacy […]

Nov 8, 2014

Does Debt Survive Death?


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

If someone dies, does responsibility for payment of their debts survive their death?  Could you be held responsible for the debts of your spouse or parents after they die? To answer this question we need to address three specific issues: Can debts be inherited? Is there money in the estate? What happens to joint debts? […]

Nov 6, 2014

Bankruptcy Legislation in Canada – It’s Update Time


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

We live in a rapidly changing economy and our legislation, including bankruptcy legislation, needs to adapt to those changes. To ensure that bankruptcy in Canada continues to meet the needs of both consumers and creditors, Industry Canada conducts a review of insolvency rules and legislation every five years. As part of the process they ask […]

Nov 5, 2014

Should the Government Promote Financial Literacy? Jane Rooney Responds.


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 Jane Rooney, Canada’s Financial Literacy Leader. November is Financial Literacy Month, so we start the show by asking “what is financial literacy?” We ask Jane: should the federal government promote financial literacy, or should the private sector or charitable organizations lead the charge?

Nov 1, 2014

Jane Rooney: Financial Literacy and the Government’s Role – Show #9 – 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 9 – Should the Government Promote Financial Literacy? – Jane Rooney Responds [Start of recorded material 00:00:00] Segment 1 Doug Hoyes:     Welcome to our special Financial Literacy broadcast here on Debt Free in 30.  I’m Doug Hoyes. It’s the month of November, and if you are in the money business […]

Nov 1, 2014

Debt Settlement in Ontario: Are we getting close to new rules?


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

Governments move slowly.  Very slowly.  On January 4, 2013 the Ontario government announced new steps to regulate debt settlement companies.  I gave my comments in my post on Debt Settlement Company Crackdown in Ontario?, and posted my follow up thoughts in March, 2013 with the details of the proposed new debt settlement rules.  The government consulted […]

Oct 27, 2014