Doug Hoyes, a founder
of licensed insolvency trustee Hoyes, Michalos & Associates, has witnessed the shift.
A consumer proposal is a negotiated debt settlement offer made between you and your creditors with the help
of a licensed insolvency trustee.
Consumer Proposals are the number one alternative to filing personal bankruptcy in Canada and this specialized debt consolidation tool can only be done with the help
of a Licensed Insolvency Trustee.
However, if the reason you are seeking a payday loan is because you can not keep up with your other debt payments, you may need to seek the advice
of a licensed insolvency trustee.
To file bankruptcy, you require the assistance
of a licensed insolvency trustee.
Doug Hoyes, a founder
of licensed insolvency trustee Hoyes, Michalos & Associates, has witnessed the shift.
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.
If you're having a difficult time managing debt, contact one
of our Licensed Insolvency Trustees in Milton.
For more than 50 years, our experienced team
of Licensed Insolvency Trustees and advisors have been working collaboratively with our corporate and individuals to help them recover from times of financial distress and regain control of their finances.
Our team
of Licensed Insolvency Trustees treat each situation as unique.
It is not surprising that a 2010 report on the causes of insolvency by one
of our Licensed Insolvency Trustees, Hoyes, Michalos & Associates, found that marital or relationship breakdown was the primary cause of bankruptcy for 14 % of all bankruptcies.
One
of our Licensed Insolvency Trustees will work with you to develop an offer designed to fit your unique circumstances.
Our team
of Licensed Insolvency Trustees are asked many questions every day about how bankruptcy works and how declaring bankruptcy will affect you and your family.
Our experienced team
of Licensed Insolvency Trustees is ready to help you leave your debt behind with solutions that have a lasting impact.
If you're having a hard time dealing with mounting debt and don't know what to do, speak with one
of our Licensed Insolvency Trustees in Newmarket!
If you are ready to learn more about the options available to you, Spergel's team
of Licensed Insolvency Trustees are here to help.
Not exact matches
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.
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.
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.
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.
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..
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.
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.
If you live in Alberta and are considering bankruptcy we suggest you contact one
of the following
Licensed Insolvency Trustees in Alberta — the experts on Alberta bankruptcy law, by e-mail or by phone, to fully review your situation.
Together with a
Licensed Insolvency Trustee, you will review a set amount
of money that you can afford to pay back to your creditors each month over a reasonable period
of time.
A
licensed insolvency trustee (previously called a bankruptcy
trustee) is regulated by the Office
of the Superintendent
of Bankruptcy.
When considering filing a consumer proposal, you will want to talk to a
Licensed Insolvency Trustee — make sure that proposal payment terms are on your list
of items to discuss with the
Trustee.
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.
By approaching a
Licensed Insolvency Trustee, you begin the process
of declaring bankruptcy.
The City
of Hamilton is contemplating more regulation
of payday loan lenders, so if you are going to go down the regulation route, the list
of resources must include links to the only professionals that are actually regulated and
licensed by the federal government to provide legally binding debt relief, and that's
licensed insolvency trustees.
A
licensed insolvency trustee can help you review your circumstances and understand all
of the options so that you can make the best choice possible.
We're here to help with all
of your debt relief, financial restructuring needs as your Government
Licensed Insolvency Trustee.
Your Kitchener
licensed insolvency trustee is like a referee in a hockey game: they don't work for either side, but they are there to make sure that everyone involved follows all
of the rules.
For this to happen, you trade what you own with a
Licensed Insolvency Trustee in exchange for the removal
of your debts.
A phone call or free consultation with a
Licensed Insolvency Trustee can help you analyze the causes
of your financial difficulty, as well as the most effective way to get your debt under control.
Our
Licensed Insolvency Trustees in Ontario (
trustee in bankruptcy) will meet with you to determine your best debt repayment option, help determine your bankruptcy payments, determine the status
of your assets, coordinate with your creditors, and handle other elements
of your bankruptcy.
Scott Schaefer is a Chartered Professional Accountant,
Licensed Insolvency Trustee and Consumer Proposal Administrator working out
of our Kitchener and Stratford offices.
Scott Schaefer and Ian Martin, both
Licensed Insolvency Trustees and Consumer Proposal Administrators, will personally meet with you in our Stratford office, located on the second floor
of the Scotiabank building.
Speak to a
licensed insolvency trustee to discuss your situation, review all
of your options and come up with a plan that's right for you.
I'm a
Licensed Insolvency Trustee and my firm, Hoyes, Michalos & Associates does thousands
of consumer proposals and bankruptcies for people who turn to debt to make ends meet and eventually found themselves in deeper trouble.
One
of their new approaches has been to become a referral source to specific
Licensed Insolvency Trustees for consumer proposals.
A
Licensed Insolvency Trustee is a person licensed by the Superintendent of Bankruptcy to administer consumer proposals and personal bankruptcy pr
Licensed Insolvency Trustee is a person
licensed by the Superintendent of Bankruptcy to administer consumer proposals and personal bankruptcy pr
licensed by the Superintendent
of Bankruptcy to administer consumer proposals and personal bankruptcy processes.
Doug Hoyes, a
Licensed Insolvency Trustee and co-founder
of Hoyes Michalos shares his professional insights gained from his experience in the debt management industry.
Our
Licensed Insolvency Trustees have helped thousands
of people get out
of debt using consumer proposals.
Comparing some key points
of difference between
Licensed Insolvency Trustees and traditional Credit Counsellors.
We are very excited about our recent opening
of the Milton
Licensed Insolvency Trustee (
Trustee in Bankruptcy) office in the Spergel network.
A
Licensed Insolvency Trustee negotiates with your creditors repay the agreed settlement amount over a period
of up to 5 years in exchange for which you keep your assets.
To determine whether or not your RRSP is locked in, or whether or not you would lose your RRSP in bankruptcy, you should gather all
of the paperwork related to the RRSP, and contact a
Licensed Insolvency Trustee for a free consultation.