Should I Buy Debt Relief Services Over The Phone?

Posted in Debt Help
Posted by J. Douglas Hoyes, CA, CPA, LIT, CIRP, CBV

I’ve been hearing stories from clients who, before contacting our firm, received a phone call at home offering debt relief and debt management services. The telemarketing pitch goes something like this: “Do you have any credit card debt or bank loans that you want to reduce faster? We offer a government debt relief program that will […]

What Is A Consumer Proposal?

Posted in Consumer Proposals
Posted by J. Douglas Hoyes, CA, CPA, LIT, CIRP, CBV

A consumer proposal can be defined as a proposal, or arrangement, made to creditors. Doug Hoyes talks with Ted Michalos and Joel Sandwith about consumer proposals and how they work.

A Guide to Student Loan Debt Relief Options

Posted in Personal Bankruptcy

Since it takes the average student 10 years to repay their student loan debts in full, and many graduates are finding it difficult to obtain long term, sustainable positions in their chosen career path, it is not surprising that many find that after years of struggling they are no longer able to keep up with […]