Debt Relief Experts
Overcoming Financial Problems After Divorce
Read along as one of our client’s, Melissa, explains her story of overcoming severe financial issues following a divorce. Learn more about how she received a fresh financial start!
Success Stories
Examples of bankruptcy and consumer proposal success stories and how we helped.
Creditors Calling At Home and Work: A Brantford Case Study
Despite having steady income, making poor decisions with your money can result in unmanageable debt. In this post, we explore the challenges, solution and outcome of how a real client managed her debts.
Back on Track, and Without Upfront Fees
At Hoyes Michalos, we help our clients reach a fresh financial start, without charging huge upfront fees. Read one of our clients story’s, and how our team helped her manage her debt with ease.
Contract Worker Deals With Unpaid Tax Debt Through Consumer Proposal
Self-employed individuals deal with inconsistent income and have to pay their own taxes. This can lead to money problems and tax debt. Here is how we helped one client deal with overwhelming CRA debt.
Retired Widower Uses Credit to Cope With Grief
It's important to stay on top of your finances at every stage in life, including retirement. Find out how our client's situation went from comfortable to insolvency and learn how you can avoid this.
Teacher Loves Teaching Just Not Her Student Debt
Read this case study about how we helped a young teacher who, already burdened with student debt, found herself relying on credit cards to make ends meet while waiting for a full time position.
From Employee to Consultant Leads to Personal Debts
The transition from employee to consultant is not a simple task, and often results in personal debt without a plan or if something goes wrong. See how we helped a client with this case study.
Self-Employment and Illness Create Challenging Debt Problem
Certain populations are more susceptible to debt problems due to variable income or unexpected life events. Find out the solutions our clients use to deal with their debts after suffering from illness.
Tired of Making Credit Card Payments and Getting Nowhere
Is your credit card debt accruing with no end in sight for elimination of the debt? Howard Hayes explains how one of our clients fell into debt with credit cards and the solutions he used to recover from it.
A Consumer Debt Proposal Makes Rent Affordable Again
We explore a story of how we helped one client restructure his finances using a consumer debt proposal so that he was no longer struggling with the choice between debt repayment and monthly rent.
Avoid Bankruptcy For The Second Time: A Consumer Proposal Story
It's possible for file bankruptcy twice however there are added costs and your bankruptcy will last longer than the first time. We explain, with a client example, how a consumer proposal is a better alternative.
Maxed Out Credit – Oshawa Couple Looks For Help
We explore a case study for one of our clients and how they found themselves living a lifestyle they could not afford that lead to maxed our credit and how they got out of debt successfully.
Overcoming Business Tax Debts: Case Study
Did you know that filing for personal insolvency can help you deal with unpaid tax debts? In this blog we explore a case study of one of our clients and the solution they chose for a fresh financial start.
Whitby Senior Happy To Avoid Bankruptcy
Are you considering debt relief options to you manage deal your overwhelming debts, and are wondering what the process looks like? Explore this step-by-step case study for one of our clients.
Illness and Injury as Contributors to Bankruptcy – A Recovery Story
It may surprise you to learn that 1 in 5 bankruptcies and consumer proposals in Canada are caused by health care issues. Despite public health care like OHIP, the secondary associated costs of an illness... Read more »