Working Together To Solve A Financial Crisis. The Better Choice.


Janette Martin, Client Service Specialist & Credit Counsellor, Hoyes, Michalos
Posted in Success Stories
Posted by Janette Martin, CERTIFIED CREDIT COUNSELLOR

With Valentine’s Day approaching I thought it was a good opportunity to write about financial problems and how they affect relationships.  Marriage might start out as cinnamon hearts and chocolates but when faced with pressure will it survive or will it fail? Usually when we meet with individuals who are married or in a relationship […]

Feb 6, 2014

Credit Counselling and Debt Management Plans – Are They Right For You?


Janette Martin, Client Service Specialist & Credit Counsellor, Hoyes, Michalos
Posted in Debt Help
Posted by Janette Martin, CERTIFIED CREDIT COUNSELLOR

Credit Counselling and Debt Management Plans are a good solution, but for many a consumer proposal is even better.

Mar 21, 2011

Will I lose everything if I go bankrupt in Ontario?


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

The answer is no, you will not lose everything if you file for bankruptcy in Ontario. My name is Janette Martin and I am an estate manager working with Trustee Benny Mendlowitz here in the Hoyes Michalos & Associates Inc. North York office. There are many misconceptions about what happens to a person when they […]

Jan 31, 2011