J. Douglas Hoyes
BA, CA, CPA, CIRP, CBV, LIT
Licensed Insolvency Trustee
Doug was inspired to bring his financial experience to work by helping individual people not corporations rebuild their financial future. Doug advocates for consumers needing debt relief to ensure they receive a fair and respectful debt management solution. He regularly comments in the media including publications and networks such as: Canada AM, Global News, CBC, The Globe and Mail, The Toronto Star, BNN Bloomberg, The Financial Post and CTV News. Doug is a passionate advocate for ensuring that people find the right solutions to their debt problems and shares his knowledge and expertise as a regular contributor to our blog and in the media.
Doug posts regularly to our blog, and on Twitter and is the host of our Debt Free in 30 Podcast.
As an industry expert, Doug Hoyes appeared before the Senate Banking, Trade and Commerce Committee to give testimony on the impact of bankruptcy legislation to the individual, and serves as an OSB (Office of the Superintendent of Bankruptcy) Oral Board Examiner.
Doug is the author of the personal finance book Straight Talk on Your Money – The Biggest Financial Myths and Mistakes…and How to Avoid Them available online and in major bookstores across Canada.
Connect with J. Douglas Hoyes
Designations
- BA, University of Toronto, 1987
- CA, CPA (Chartered Professional Accountant), Institute of Chartered Professional Accountants of Ontario, 1989
- CIRP (Chartered Insolvency and Restructuring Professional), Canadian Association of Insolvency and Restructuring Professionals, 1994
- Licensed Insolvency Trustee and Consumer Proposal Administrator, Government of Canada, 1995
- CBV (Chartered Business Valuator), Canadian Institute of Chartered Business Valuators, 1996
Professional Experience
- KPMG, 1987 – 1997
- PricewaterhouseCoopers, 1997 – 1998
- Hoyes, Michalos & Associates Inc., Co-Founder, 1999 – present
Recent Posts by J. Douglas Hoyes:
New Surplus Income Limits for 2026
The government sets a limit on how much income you can keep before you have to make extra bankruptcy payments. This limit is updated each year. Learn more about this threshold.
Category: Bankruptcy Basics
Court Rules Debt Consultant Fees Must Be Disclosed
A recent court decision confirms that debt consultant fees must be disclosed in a consumer proposal. Without full financial transparency, the court may refuse approval under the BIA.
Category: Debt Relief
Ontario Bankruptcy Exemptions: What Can They Take and What Assets You Keep
Will you lose everything if you file for bankruptcy in Ontario? We explain what assets you keep by law, what you may lose and an alternative option you may have so you can keep everything.
Category: Assets & Property