Hoyes Michalos - Invidious

Hoyes Michalos

I'm Doug Hoyes, Licensed Insolvency Trustee & co-founder of Hoyes, Michalos. I created this channel to share free, accurate information that can Help people with debt. We share insights based on our expertise and years of experience with Debt Settlement, Debt Consolidation, Debt Negotiating, Credit Counselling, Personal Bankruptcy, Consumer Proposal, Wage Garnishments, Tax Debt, Student loan Debt, and what to look out for when researching and looking for a company providing Debt Relief Services. Debt is unique to each person/family. What solution works for one person may not work for another, and I want to help you find the right fit to meet your financial goals. The debt industry is saturated with information, and not all of it is factual. This can make it tough to sort through - what's true and what's not, or what works and what doesn't. My goal is that this channel will provide clear, unbiased, realistic information on the realities of getting out of debt.

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3:28

What Happens to My Tax Refund in a Bankruptcy or Consumer Proposal?

Hoyes Michalos

Shared 2 weeks ago

59 views

4:47

Do You Have To Give Up Credit Cards In A Consumer Proposal?

Hoyes Michalos

Shared 1 month ago

65 views

3:26

How Do I Decide Which L.I.T. Firm To Choose For Debt Relief?

Hoyes Michalos

Shared 1 month ago

61 views

3:11

Does the CRA Approve Consumer Proposals?

Hoyes Michalos

Shared 2 months ago

107 views

2:39

Is The Canada Debt Relief Program Real

Hoyes Michalos

Shared 2 months ago

202 views

3:05

Is Bankruptcy The Right Option For You?

Hoyes Michalos

Shared 2 months ago

72 views

4:41

What Debts Can and Cannot Be Included in a Consumer Proposal?

Hoyes Michalos

Shared 3 months ago

205 views

4:40

Will Bankruptcy Stop An Eviction for Rent Arrears? New Court Ruling

Hoyes Michalos

Shared 3 months ago

175 views

2:38

Consumer Proposals and Your Car Loan | What You Need To Know!

Hoyes Michalos

Shared 4 months ago

86 views

4:56

Student Loans - Court Ruling on End of Study Date in Bankruptcy

Hoyes Michalos

Shared 4 months ago

112 views

5:33

Are There Downsides To A Consumer Proposal?

Hoyes Michalos

Shared 5 months ago

664 views

3:27

Can I keep my house in a consumer proposal?

Hoyes Michalos

Shared 7 months ago

275 views

6:37

Credit Counseling vs Consumer Proposals - Which Is Better?

Hoyes Michalos

Shared 7 months ago

352 views

3:21

Should You Pay Collections or Not? Things To Consider!

Hoyes Michalos

Shared 8 months ago

407 views

4:08

Declaring Bankruptcy in Ontario - What You Need to Know!

Hoyes Michalos

Shared 9 months ago

1.5K views

3:24

Joint Property in Bankruptcy - What You NEED to Know!

Hoyes Michalos

Shared 9 months ago

189 views

4:25

Bankruptcy & Mortgage Foreclosures - What you need to know!

Hoyes Michalos

Shared 10 months ago

364 views

4:54

How Voting Works on a Consumer Proposal | Consumer Proposal after 45 Days

Hoyes Michalos

Shared 10 months ago

330 views

4:56

Consumer Proposal and Your Mortgage | Top Questions Answered!

Hoyes Michalos

Shared 10 months ago

637 views

3:53

Top Bankruptcy Rules In Canada | Bankruptcy & Insolvency Act Explained!

Hoyes Michalos

Shared 10 months ago

2.2K views

2:40

Debt Consolidation Vs Consumer Proposals - Which Solution is BEST?

Hoyes Michalos

Shared 1 year ago

723 views

2:46

A Guide To Personal Bankruptcy In Canada - Need To Knows

Hoyes Michalos

Shared 1 year ago

1.5K views

4:39

Pros and Cons of Filing a Consumer Proposal - Debt Relief 101

Hoyes Michalos

Shared 1 year ago

4.3K views

5:10

6 Easy Steps On How To File A Consumer Proposal In Ontario

Hoyes Michalos

Shared 1 year ago

1.7K views

5:40

5 Steps On How To File Bankruptcy In Canada. Avoid Mistakes.

Hoyes Michalos

Shared 1 year ago

6.4K views

4:58

Debt Relief Programs Explained | Pros & Cons | Debt Help for Canadians

Hoyes Michalos

Shared 1 year ago

2.1K views

4:47

Should I Get A Loan To Payoff My Credit Cards?

Hoyes Michalos

Shared 1 year ago

17K views

3:40

What if I Can't Pay My Mortgage? Here are some options!

Hoyes Michalos

Shared 1 year ago

1.1K views

2:56

How Bankruptcy Affects Divorce

Hoyes Michalos

Shared 1 year ago

288 views

4:27

Consumer Proposal FAQs Answered.

Hoyes Michalos

Shared 1 year ago

3.8K views

3:57

Paying Debt with RRSP: What You Need to Know

Hoyes Michalos

Shared 1 year ago

1.1K views

3:05

Are there debts not included in bankruptcy?

Hoyes Michalos

Shared 1 year ago

410 views

3:00

Real Debt Stories: Nathan's Consolidation Triumph

Hoyes Michalos

Shared 1 year ago

397 views

2:50

Student Loan Forgiveness - Bankruptcy or Proposal? What Can Be Included?

Hoyes Michalos

Shared 1 year ago

204 views

1:01

Escape the Debt Trap: Andy's Journey from $60K to $19K Debt

Hoyes Michalos

Shared 2 years ago

347 views

1:46

Breaking Free from Debt: Andy's Inspiring Testimonial

Hoyes Michalos

Shared 2 years ago

543 views

4:08

Does a Consumer Proposal Affect My Spouse?

Hoyes Michalos

Shared 3 years ago

2.1K views

3:06

What is a Certificate of Full Performance | Completing Your Consumer Proposal

Hoyes Michalos

Shared 3 years ago

1.3K views

3:40

What to do if you are in default on your loan

Hoyes Michalos

Shared 3 years ago

5.6K views

3:44

Why Hoyes, Michalos, & Associates? We're here to help | Debt Relief | Consumer Proposal

Hoyes Michalos

Shared 3 years ago

2.1K views

2:28

Student loan consolidation for Canadians. Is it a good idea?

Hoyes Michalos

Shared 3 years ago

443 views

4:02

What happens when you file bankruptcy?

Hoyes Michalos

Shared 3 years ago

3.8K views

2:59

What can I do when my student loan is in collections

Hoyes Michalos

Shared 4 years ago

3.8K views

2:40

Can I stop paying my creditors before filing a bankruptcy or consumer proposal?

Hoyes Michalos

Shared 4 years ago

3.5K views

3:11

Credit Repair Course: Build Good Credit Habits, Not a Credit Score (Lesson 11)

Hoyes Michalos

Shared 4 years ago

673 views

2:37

Credit Repair Course: Should You Pay for Credit Repair (Lesson 10)

Hoyes Michalos

Shared 4 years ago

701 views

3:50

Credit Repair Course: What is a Good Credit Utilization Rate? (Lesson 9)

Hoyes Michalos

Shared 4 years ago

830 views

7:38

Credit Repair Course: Establishing New Credit Accounts (Lesson 8)

Hoyes Michalos

Shared 4 years ago

1.2K views

2:59

Credit Repair Course: How to Dispute Errors on Your Credit Report (Lesson 7)

Hoyes Michalos

Shared 4 years ago

1K views

2:28

Credit Repair Course: How long information stays on your credit report (Lesson 6)

Hoyes Michalos

Shared 4 years ago

1.7K views

5:11

Credit Repair Course: Finding and Fixing Errors on Your Credit Report (Lesson 5)

Hoyes Michalos

Shared 4 years ago

1K views

3:48

Credit Repair Course: Best Credit Bureaus for Credit Reports (Lesson 4)

Hoyes Michalos

Shared 4 years ago

815 views

4:00

Credit Repair Course: What Factors Affect Your Credit Score? (Lesson 3)

Hoyes Michalos

Shared 4 years ago

623 views

3:20

Credit Repair Course: What is a Good Enough Credit Score? (Lesson 2)

Hoyes Michalos

Shared 4 years ago

687 views

2:17

Credit Repair Course: Understanding Credit Reports vs Credit Score (Lesson 1)

Hoyes Michalos

Shared 4 years ago

603 views

1:32

Credit Repair Course: Course Introduction | Hoyes, Michalos & Associates

Hoyes Michalos

Shared 4 years ago

603 views

2:43

6 Things you should NOT do before filing for bankruptcy

Hoyes Michalos

Shared 4 years ago

6K views

2:20

What Happens if I Can't Pay My Credit Card Debt? Debt Relief Options

Hoyes Michalos

Shared 4 years ago

18K views

3:16

3 Canadian Debt Relief Options Explained | HMA

Hoyes Michalos

Shared 4 years ago

22K views

2:35

Jennifer Kwon - Licensed Insolvency Trustee Mississauga, Ontario | Consumer Proposal & Bankruptcy

Hoyes Michalos

Shared 4 years ago

966 views