Joel Sandwith
BA, LIT
Licensed Insolvency Trustee
Joel understands the stress of debt problems because he experienced it first-hand at a young age. He loves that now it’s his job to help individuals in his community conquer their debt troubles too.
Before joining the team at Hoyes, Michalos, Joel was a credit counsellor for six years at a local, non-profit credit counselling agency. There, he taught his clients about budgeting and sound money management.
Since 2013, Joel has been the Licensed Insolvency Trustee and Consumer Proposal Administrator in our London office. His favourite part about being a LIT is seeing his clients’ financial journeys and helping them move forward with a better life. Joel has also spent the majority of his life in the London and St. Thomas area, so he is better able to appreciate challenges in his community.
Connect with Joel Sandwith
Designations
- BA in Management Economics, University of Guelph, 1996
- Certified Insolvency Counsellor, 2003
- Licensed Insolvency Trustee and Consumer Proposal Administrator, Government of Canada, 2013
Professional Experience
- Morlee Corporation, 1999 – 2002
- London Life, 2002 – 2003
- Family Services, Thames Valley, 2003 – 2009
- Hoyes, Michalos & Associates Inc., 2009 – present
Recent Posts by Joel Sandwith:
Divorce and Bankruptcy: What Happens and Best Time To File
If you are considering divorce and carrying a lot of debt, this post explains what happens to your marital assets, joint debts, and whether you should file an individual or joint bankruptcy or proposal before or after a divorce filing.
Category: Bankruptcy Process
What Happens When You Declare Bankruptcy in Canada?
Explore the process, consequences, and alternatives to declaring bankruptcy in Canada. Learn about debt elimination, credit impact, and how to rebuild your financial future.
Category: Bankruptcy Process
When A Debt Management Plan Doesn’t Work
Credit counsellors use a program called a debt management plan which are not always successful. We explore a case study from one of our clients in this situation and offer some alternative solutions.
Category: Bankruptcy Alternatives