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Hoyes Michalos and Associates Ontario Personal Bankruptcy Blog 
Discusses personal bankruptcy issues and the legal aspects of bankruptcy for residents of Ontario, Canada.
Post Frequency: 1.3/day Last Entry: April 01, 2011 at 03:25:28 Recent Entries: 69
By Hoyes Michalos and Associates
Go to Hoyes Michalos and Associates Ontario Personal Bankruptcy Blog, find other Bankruptcy blogs, or browse all law blogs.
You Need a PLAN
Posted on September 08, 2008The economy is getting worse. I just met with a car salesman who told me that he is selling fewer cars this year than last. Factory workers are telling me there is no more overtime, and many are now on reduced shifts or layoffs. I even met with a collection agent this [...
Seniors? Unique Struggles can lead to Financial Problems
Posted on July 30, 2008As people get older, their lives can become both more fulfilling and more challenging. Retirement brings the freedom of not having a set schedule but can also lead to a number of difficulties, including financial ones. Working at the Hoyes, Michalos & Associates offices in Kitchener and Barrie, I am hearing [...
Bankruptcy Laws Change - Student Loans Now Dischargeable After 7 years - Most RRSPs Now Exempt
Posted on July 08, 2008On July 7, 2008 the federal government put two long-awaited changes to federal bankruptcy law into force. Although this came unexpectedly, it is good news for many Canadians in financial trouble. The first change reduces the student loan discharge period from ten years to seven...
You, Bankrupt: New Study Reveals That the Average Bankrupt Looks Like You and Me
Posted on March 31, 2008What do you think a bankrupt person looks like? Do you think they are unemployed and ?down and out??I personally compiled statistical data on everyone who recently filed personal bankruptcy or a consumer proposal with Hoyes Michalos, and in our just released study, The Face of Bankruptcy - You May be Similar to the Typical Bankrupt Person, we reveal that the average bankrupt looks very much like the average Canadian...
Personal Bankruptcy Rate Increases in Ontario in 2007
Posted on March 21, 2008The number of personal bankruptcy and consumer proposals filed in Ontario reached a record 42,434 in 2007, an 8.2% increase over 2006 levels.That total is made up of 31,409 people who filed personal bankruptcy in Ontario in 2007, an increase of 5.2% over 2006, and 11,025 people who filed a consumer proposal in Ontario in 2007, an increase of 17...
Douglas Hoyes and Ted Michalos Testify in Ottawa
Posted on February 08, 2008On February 7, 2008, Ted Michalos and Douglas Hoyes appeared as expert witnesses before the Senate Standing Committee on Banking, Trade and Commerce to provide our testimony on bankruptcy reform, and the proposed changes to the bankruptcy rules in Canada...
Off to Ottawa to Fight For Fair Bankruptcy Rules
Posted on February 04, 2008Back in December I posted an article announcing that new bankruptcy laws have been passed by Parliament, but they have not yet come into force. In an effort to ensure that the rules are fair and balanced, the Senate Banking, Trade and Commerce Committee is holding hearings to review the new legislation...
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How to evict a roommate?
First, in most jurisdictions "self-help" is not a remedy available to any party ...
What can be done to stop "Harry T. Keane Jr" from persuig his Entertainment Fraud Business ?
Harry Keane in the Dallas Tx area is a fraud. He cannot tell the truth. His whol...
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There are several things you can do. First of all, contact any welfare advisors,...
How to collect a personal loan from a spouse?
You local court will probably have someone to offer you some assistance as you p...
Are you entitled to mileage pay every time you use your vehicle for work purposes, even as a manager?
According to the IRS, the standard mileage reimbursement rate is $0.51 per mile ...
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