Credit Counselling Sessions

To help you get a fresh start, you will attend two credit counselling sessions. These sessions are designed to help you build strong money and credit management skills so you can remain debt free once your bankruptcy or proposal is completed.

When are these sessions held?

  • 1st Session – between 10 and 90 days after filing
  • 2nd Session – any time after 30 days from the first session and before you are discharged

Can I have more than two sessions?

Yes. At Hoyes, Michalos we are committed to helping ensure you have the tools and knowledge you need to rebuild your finances after bankruptcy or a proposal. If you feel an extra session would help, we are happy to arrange a free extra session for you.

What’s covered at these sessions?

These sessions focus on practical financial advice around money and credit management that is relevant to you.  Your counsellor will review your unique situation, and then based on your needs will discuss budgeting, financial goals, spending habits, and responsible use of credit. At Hoyes, Michalos our credit counsellors will discuss what you want to talk about, which may include:

The government has information to assist you, including: