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Tag: Bankruptcy/Proposal Completion

How Long Does Bankruptcy Last in Canada (& Ontario)

How Long Does Bankruptcy Last in Canada (& Ontario)

Are you filing a first or second bankruptcy and have questions about how long you will be bankrupt? Learn about the typical length of a bankruptcy, factors that may affect this length and if there are alternatives.

Category: Bankruptcy Basics

Tags: Bankruptcy/Proposal Completion | Consequences

How Long Does a Consumer Proposal Take?

How Long Does a Consumer Proposal Take?

Discover how long a consumer proposal in Canada typically lasts, from filing to completion. Learn about key milestones and factors affecting the timeline of your debt relief journey.

Category: Consumer Proposals

Tags: Bankruptcy/Proposal Completion | Filing Process

What Does a Certificate of Full Performance of Proposal Mean?

What Does a Certificate of Full Performance of Proposal Mean?

Wondering what happens after you’ve completed the mandatory requirements of a consumer proposal? We explain what a Certificate of Full Performance means for you and what happens with your debts.

Category: Consumer Proposals

Tags: Bankruptcy/Proposal Completion

Options to Pay Off Your Consumer Proposal Early

Options to Pay Off Your Consumer Proposal Early

Do you know the advantages of making extra payments to pay off your consumer proposal sooner? We’ll explain why some of our clients choose to do this, and how to implement this beneficial strategy.

Category: Consumer Proposals

Tags: Bankruptcy/Proposal Completion

Reviving a Consumer Proposal After It’s Deemed Annulled

Reviving a Consumer Proposal After It’s Deemed Annulled

Fall behind three payments and your consumer proposal will be annulled by law. If this has happened to you, find out if it’s possible to revive an annulled proposal and exactly how to do it.

Category: Consumer Proposals

Tags: Bankruptcy/Proposal Completion

Should I Borrow To Pay Off My Consumer Proposal Early?

Should I Borrow To Pay Off My Consumer Proposal Early?

Loans are available for individuals completing a consumer proposal. In this blog, learn about the pros and cons of borrowing to pay off your proposal earlier and 3 alternative ways you can do this.

Category: Consumer Proposals

Tags: Bankruptcy/Proposal Completion

Top 5 Debts that Bankruptcy Can’t Discharge

Top 5 Debts that Bankruptcy Can’t Discharge

Bankruptcy eliminates most unsecured debts. But what about secured debts and what debts are specifically excluded from your bankruptcy discharge?

Category: Debts Discharged

Tags: Bankruptcy/Proposal Completion

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Hoyes, Michalos & Associates - Consumer Proposal & Licensed Insolvency Trustee

Hoyes Michalos provides residents of Ontario burdened with debt a fresh start. As Licensed Insolvency Trustee (also known as bankruptcy trustees) regulated by Industry Canada, we provide free initial consultations to explain all your debt relief options, including credit counselling, debt settlement, debt consolidation, consumer proposal and personal bankruptcy.

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