Howard Hayes
BTEC, CIRP, LIT
Licensed Insolvency Trustee
Howard is a natural strategist. He enjoys the challenge of understanding his clients’ financial troubles and causes and then getting them on a path to financial victory. That’s why he’s so passionate about his job as a Licensed Insolvency Trustee.
Born and raised in the United Kingdom; Howard made the permanent move to Canada after he met his wife here on holidays. He loves the culture, diversity, and way of life that Canada has to offer.
For 15 years, Howard has been helping individuals overcome their debt problems and gain a fresh financial start. As the Licensed Insolvency Trustee and Consumer Proposal Administrator at both our Cambridge and Brantford offices, Howard is excited to meet with new clients every day and help them overcome their debt problems with tailored solutions.
Connect with Howard Hayes
Designations
- BTec Business & Finance – North Lindsey Technical College, 1992
- CIRP (Chartered Insolvency Restructuring Professional), 2012
- Licensed Insolvency Trustee and Consumer Proposal Administrator, Government of Canada, 2013
Professional Experience
- ServiceSource Europe, 2002 – 2004
- Credit & Debt Services, 2005 – 2007
- Hoyes, Michalos & Associates Inc., 2007 – present
Recent Posts by Howard Hayes:
Does Debt Consolidation Hurt Your Credit?
Discover how debt consolidation affects your credit score in Canada. Learn about consolidation methods, their pros and cons, and alternative debt relief options from a Licensed Insolvency Trustee.
Category: Loans & Borrowing
Bankruptcy or Credit Counselling. How Do They Compare?
Bankruptcy and credit counselling are two commonly compared options to deal with debt problems. Understand the benefits and downsides of each alternative and which would best suit your financial situation.
Category: Bankruptcy Alternatives
How Voting on a Consumer Proposal Works
How your creditors vote is one of the most common concerns clients have in a consumer proposal. We explain, in simple terms, how voting works in a proposal and when a consumer proposal is approved.
Category: Consumer Proposals