Howard Hayes, Hoyes Michalos & Associates
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Featured Stories
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New Surplus Income Calculator
20 January 2012 3:51 PM | No CommentsWe've created an Internet first. The best calculator available anywhere on the Internet for you to use that will show you how surplus income is calculated and more importantly, it will show you what you'd be required to pay.
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Positive trend in Cambridge Insolvency Numbers?
11 January 2012 12:16 PM | No CommentsBetween July and September of 2011, 907 people filed either a personal bankruptcy or a consumer proposal. This is a substantial drop of 13.5% from the 1087 people that filed in the same time period of 2010. What is interesting to note is that the overall % of people choosing to file a Consumer Proposal rather than personal bankruptcy increased.
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Time of year to start thinking of the “Fresh Start”
04 January 2012 11:00 AM | No CommentsBy viewing your credit report and by looking at the budget, it helps put things in some kind of financial perspective. * Do you have more, or less debt than you thought? * Can you afford the expenses you know are fast approaching? * Are you saving for retirment? * Are you paying more than just the minimum's on your debts? * Do you feel like your debts are becoming overwhelming or that you're just not getting anywhere? These are some great questions to ask yourself at this time of year. It's never too late to ask "how do I get that fresh start?".
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Live Radio Show Coming Up
04 January 2012 10:18 AM | No CommentsConsumer Proposals, Credit Counselling, Debt Settlements, "Government Programs" are all words that have been thrown around over the last year. We'll get to the bottom of the pro's and con's of each options and give you the information you need to so you can decide which one may sound like the best option for you to be able to deal with your debts.
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Sticking to a budget for the holidays
14 December 2011 2:29 PM | No CommentsIan Martin from our Kitchener office will be appearing tonight on Rogers "talk local" show at 7pm. He'll be discussing the importance of sticking to a budget over the holiday season and the real cost of christmas shopping on credit.
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Latest Tweets from Howard
Haha - all set! http://t.co/1xC03iPW - posted on 20 hours ago
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7 - 3 so far.... So, for 8 - 3 - I'll pick the patriots. (same two teams playing the night my daughter was born 4 yrs ago) - posted on 22 hours ago
40gb of music on my ipod and nothing suitable for a 4yr old's birthday party (secretly quite proud of that....) - posted on 2 days ago
@grantkirkham noticed who's following you now
how's it going me old mucker? - posted on 2 days ago
RT @doughoyes: At noon today @skcschaefer and @iamianmartin live on 570 News answering questions about debt. - posted on 2 days ago
Stuffing balloons - posted on 2 days ago
What happened to the typical Canadian winter? - posted on 2 days ago
Regulations Protect Against Unfair Debt Settlement Fees in Manitoba - Ontario next? I hope so! http://t.co/h8UxkXYF - posted on 3 days ago
@howardmhayes Happy 4th Birthday to your little ray of sunshine. - posted on 3 days ago
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Archive for September, 2008
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Credit Repair After Insolvency
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