Not exact matches
Often, if clients have serious debt problems but also decent incomes, they will attempt a consumer proposal to settle their debt legally through a
licensed trustee.
Licensed insolvency
trustees regularly see people who manage to meet their mortgage payments for months, even years, while the rest of their fiscal house falls down around them.
As a
licensed insolvency
trustee firm, our practice is on the front lines of Canada's household debt binge and the bad personal finance habits that ensnare so many people.
Doug Hoyes, a founder of
licensed insolvency
trustee Hoyes, Michalos & Associates, has witnessed the shift.
Scott Terrio, an estate administrator at Cooper & Co., a
licensed insolvency
trustee in Toronto, calls this phenomenon «extend and pretend.»
Scott Terrio is Manager, Consumer Insolvency at Hoyes Michalos & Associates Inc.,
Licensed Insolvency
Trustees at Hoyes.com
Mr. Stephen is a Chartered Professional Accountant, a Chartered Accountant, a
licensed trustee in bankruptcy and holds a Bachelor of Commerce degree from the University of Windsor.
All of this can only be administered by a
licensed insolvency
trustee.
Therefore, you can essentially walk away from your home in Canada, no matter the amount of the shortfall, if you file a bankruptcy or a proposal with a
Licensed Insolvency
Trustee.
Hoyes, Michalos & Associates Inc. was founded in 1999 by
Licensed Insolvency
Trustees Douglas Hoyes and Ted Michalos to provide personalized service to help you gain a fresh financial 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.
Your
license lets you use the public's airwaves as
trustees for 180 million Americans.
Bitcoins held in the Trust Custody Account will be stored on computer hardware using computer software owned by the Sponsor and leased and
licensed to the
Trustee.
Response to the proposal was generally favorable, but
trustees balked at requests to waive tap - on fees for water and sewer lines and to include a liquor
license commitment in the annexation agreement.
In this regard, edfirms are much like a public charter school or private school, but are «owned» by the teachers (instead of a board of
trustees) and are
licensed by a school district.
Our Barrie
Licensed Insolvency
Trustee, Richard Quinney, will analyze your situation, explain the alternatives and help you make a plan to become debt free.
We recommend speaking with a
Licensed Insolvency
Trustee before you take this step.
It is important to know that this initial assessment is free and you are not committed to anything by talking with a
licensed insolvency
trustee about your situation.
By law, only a
Licensed Insolvency
Trustee may administer a consumer proposal.
If you are considering a consumer proposal as an alternative to bankruptcy, our team of
Licensed Insolvency
Trustees will explain the consumer proposal process and answer any questions you might have.
In Canada the only person who can be a consumer proposal administrator is a
Licensed Insolvency
Trustee (formerly called a bankruptcy trustee in C
Trustee (formerly called a bankruptcy
trustee in C
trustee in Canada).
And do not hesitate to reach out to a
licensed insolvency
trustee if you already owe taxes and other debts.
No
licensed trustee, no consumer proposal.
With over 30 years in the industry, our
licensed insolvency
trustee has helped individuals and families reduce their debt and set up repayment programs.
It's an arrangement that's negotiated with your creditors through a consumer proposal administrator (who is also a
Licensed Insolvency
Trustee).
If you feel making a consumer proposal in Ontario is the right debt solution for your debt problems your next step is to speak with a
Licensed Insolvency
Trustee.
Sandra Sykora is a
Licensed Insolvency
Trustee helping people from our Toronto - Yonge & Bloor and Toronto Downtown offices.
In Canada, having
Licensed Insolvency
Trustees administering bankruptcy filings means that you have qualified professionals available to help you and take you through all parts of the bankruptcy process.
Licensed by the federal government of Canada, the following bankruptcy Alberta
trustees and consumer proposal administrators offer free initial consultations in 26 locations throughout Alberta.
Doug is our co-founder and is a
Licensed Insolvency
Trustee, Consumer Proposal Administrator, certified Insolvency Counsellor and Chartered Professional Accountant.
Brian McIlmoyle is the
Licensed Insolvency
Trustee managing for our Mississauga and Toronto Danforth locations.
A consumer proposal must be filed through a
Licensed Insolvency
Trustee acting as a consumer proposal administrator.
As a gov» t
Licensed Insolvency
Trustee, we are the people who can protect you from creditors and help you overcome a load of debt.
Insolvency and debt management services in our Toronto Yonge and Bloor office are provided by
Licensed Insolvency
Trustee and Consumer Proposal Administrator, Sandra Sykora.
Jason Quinney is a
Licensed Insolvency
Trustee and Consumer Proposal Administrator.
Alternatively, you can simply complete the online evaluation form and we will match you with a
Licensed Insolvency
Trustee in Alberta in your neighbourhood.
The Bankruptcy and Insolvency Act (BIA) is the legislation by which
licensed trustees administer bankruptcy files.
Ted is our co-founder and is a Chartered Professional Accountant, certified Insolvency Counsellor,
Licensed Insolvency
Trustee, Consumer Proposal Administrator, and the President of Hoyes, Michalos & Associates Inc..
If someone needs a fresh start through a consumer proposal, this is something that only a
licensed insolvency
trustee can file.
Nicholas To is a Chartered Insolvency & Restructuring Professional,
Licensed Insolvency
Trustee and Consumer Proposal Administrator.
You also have the option to schedule a free consultation with a
Licensed Trustee and get personalized answers to your questions directly from them.
A
trustee receives his or her
license from the federal government after undergoing a rigorous education and training process.
If you would like more information about consumer proposals in Greater Vancouver or need help figuring out if you qualify, a simple next step is to get in touch with Westgeest & Associates, your gov» t
Licensed Insolvency
Trustee, for an individual, private conversation, assessment.
We are your
Licensed Insolvency
Trustee!
For more details on bankruptcy exemptions in your province and for answers to your other questions about bankruptcy and consumer proposals, please contact our personal
Licensed Insolvency
Trustee in your area and arrange for an initial consultation, free of charge.
Both, Bankruptcy and a Consumer Proposal need to be filed by a
Licensed Insolvency
Trustee (LIT) and have similar benefits:
The legal procedure allows you to settle your financial obligation for less than you owe with the help of a gov» t
Licensed Insolvency
Trustee, by discussing, formulating and implementing a compromise (deal) with your creditors while under court protection preventing them from exercising their normal rights everything stops, including collection action unless specifically exempted, like child support.
Billy Martell is a
Licensed Insolvency
Trustee managing our Hamilton and Burlington locations.
Jeff is a Chartered Professional Accountant,
Licensed Insolvency
Trustee, Consumer Proposal Administrator, Certified Insolvency Counsellor; and meets with clients in our St. Catharines and Niagara Falls offices.
A consumer proposal is regulated by because it can only be filed with a
Trustee in Bankruptcy, who is
licensed by the federal government.