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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3:37

What Is Life Like After Bankruptcy?

Hoyes Michalos

Shared 1 week ago

92 views

4:58

Credit Rebuilding Timeline After Consumer Proposal | What You Need To Know

Hoyes Michalos

Shared 3 weeks ago

128 views

4:43

Is A Consumer Proposal Based On Income?

Hoyes Michalos

Shared 4 weeks ago

106 views

3:28

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

Hoyes Michalos

Shared 1 month ago

92 views

4:47

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

Hoyes Michalos

Shared 2 months ago

95 views

3:26

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

Hoyes Michalos

Shared 2 months ago

78 views

3:11

Does the CRA Approve Consumer Proposals?

Hoyes Michalos

Shared 3 months ago

141 views

2:39

Is The Canada Debt Relief Program Real

Hoyes Michalos

Shared 3 months ago

276 views

3:05

Is Bankruptcy The Right Option For You?

Hoyes Michalos

Shared 3 months ago

86 views

4:41

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

Hoyes Michalos

Shared 4 months ago

261 views

4:40

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

Hoyes Michalos

Shared 4 months ago

190 views

2:38

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

Hoyes Michalos

Shared 5 months ago

101 views

4:56

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

Hoyes Michalos

Shared 5 months ago

118 views

5:33

Are There Downsides To A Consumer Proposal?

Hoyes Michalos

Shared 6 months ago

776 views

3:27

Can I keep my house in a consumer proposal?

Hoyes Michalos

Shared 8 months ago

294 views

6:37

Credit Counseling vs Consumer Proposals - Which Is Better?

Hoyes Michalos

Shared 8 months ago

363 views

3:21

Should You Pay Collections or Not? Things To Consider!

Hoyes Michalos

Shared 9 months ago

477 views

4:08

Declaring Bankruptcy in Ontario - What You Need to Know!

Hoyes Michalos

Shared 10 months ago

1.6K views

3:24

Joint Property in Bankruptcy - What You NEED to Know!

Hoyes Michalos

Shared 10 months ago

211 views

4:25

Bankruptcy & Mortgage Foreclosures - What you need to know!

Hoyes Michalos

Shared 11 months ago

383 views

4:54

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

Hoyes Michalos

Shared 11 months ago

340 views

4:56

Consumer Proposal and Your Mortgage | Top Questions Answered!

Hoyes Michalos

Shared 11 months ago

682 views

3:53

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

Hoyes Michalos

Shared 11 months ago

2.4K views

2:40

Debt Consolidation Vs Consumer Proposals - Which Solution is BEST?

Hoyes Michalos

Shared 1 year ago

755 views

2:46

A Guide To Personal Bankruptcy In Canada - Need To Knows

Hoyes Michalos

Shared 1 year ago

1.6K views

4:39

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

Hoyes Michalos

Shared 1 year ago

4.5K views

5:10

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

Hoyes Michalos

Shared 1 year ago

1.8K views

5:40

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

Hoyes Michalos

Shared 1 year ago

6.8K views

4:58

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

Hoyes Michalos

Shared 1 year ago

2.2K views

4:47

Should I Get A Loan To Payoff My Credit Cards?

Hoyes Michalos

Shared 1 year ago

18K views

3:40

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

Hoyes Michalos

Shared 1 year ago

1.2K views

2:56

How Bankruptcy Affects Divorce

Hoyes Michalos

Shared 1 year ago

303 views

4:27

Consumer Proposal FAQs Answered.

Hoyes Michalos

Shared 1 year ago

3.9K 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

420 views

3:00

Real Debt Stories: Nathan's Consolidation Triumph

Hoyes Michalos

Shared 1 year ago

402 views

2:50

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

Hoyes Michalos

Shared 2 years ago

205 views

1:01

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

Hoyes Michalos

Shared 2 years ago

350 views

1:46

Breaking Free from Debt: Andy's Inspiring Testimonial

Hoyes Michalos

Shared 2 years ago

546 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

5.7K 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

444 views

4:02

What happens when you file bankruptcy?

Hoyes Michalos

Shared 4 years ago

3.9K 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

3.6K views

3:11

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

Hoyes Michalos

Shared 4 years ago

681 views

2:37

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

Hoyes Michalos

Shared 4 years ago

703 views

3:50

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

Hoyes Michalos

Shared 4 years ago

832 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

826 views

4:00

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

Hoyes Michalos

Shared 4 years ago

626 views

3:20

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

Hoyes Michalos

Shared 4 years ago

693 views

2:17

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

Hoyes Michalos

Shared 4 years ago

609 views

1:32

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

Hoyes Michalos

Shared 4 years ago

610 views

2:43

6 Things you should NOT do before filing for bankruptcy

Hoyes Michalos

Shared 4 years ago

6.2K views