Credit card debts are driving consumer insolvencies

🤔 Curious how a consumer proposal affects secured debt in Canada?🍁 We've got the scoop in our latest blog: hoyes.com/blog/how-a-con…

We always love sharing our reviews. Thanks to everyone who took the time to provide us with feedback! 🙌 We appreciate you! 💫 #Gratitude #Feedback #ThankYou #GoogleReviews

DEBTASIZED - How Our Reliance On Credit Leads To Price Inflation. This is a must watch documentary youtu.be/h_K7CmRF1nU?si… via YouTube

Old man should learn to smile. Me, in the Toronto Star, thinking about current bankruptcy statistics. thestar.com/business/more-…

Debt doesn't age like fine wine. 🍷 It's getting sour over time. 🎦 Clip from our popular podcast 'Debt Free in 30'! Imagine you had a plan...wouldn't that be a relief? Book a free consultation and in 30 minutes you can have a plan to be debt free. #DebtSolutions #OldDebt

Banks aren't always on your side when it comes to debt! 🚨 Ultimately, banks are businesses with their own profit motives, which may lead to suggestions that aren't in your best interest. #debtfreein30 #podcastclips #bankruptcy #debthelp #expertadvice #finances

VOTE HERE👉 hoyes.info/readers-choice… We’re honored to be nominated for the Brampton Guardian Readers' Choice Awards, and we’d be grateful for your vote if you've appreciated our services or content! #readerschoice2024 #debtrelief #debtfreejourney #debtsolutions #ontariocanada

Thanks Brampton!!!

NEW PODCAST💥Debt isn’t just about interest—it’s about the unexpected costs, stress, and compromises that can come with borrowing. 💸 Tune in for practical advice to help you make informed borrowing decisions: youtube.com/watch?v=rG0BDD… #debtfree #financialpodcast #canadianpodcast

When you're juggling multiple subscriptions, those small monthly charges can add up fast. 💸 Cutting just one can free up extra cash to chip away at debt. It doesn't have to take massive sacrifices—finding tiny savings make a big difference over time. ✅💰

Ottawa looking to increase predatory debt adviser fines twenty-fold, experts say it’s unlikely to work /via The Globe and Mail theglobeandmail.com/investing/pers…

Many retirees take on debt to help adult children, often putting their future plans at risk. To reduce what’s owed and create a path to financial stability, learn about regulated, government-approved, debt relief solutions available in Ontario at hoyes.com ✅

"Will bankruptcy impact my ability to get a passport?" ✈️ "Will bankruptcy limit my ability to travel?"🌍 You've got the questions, we've got the answers: hoyes.com/blog/can-i-tra… #bankruptcylaw #travel #canada #debt #debthelp #debtrelief

If you go to a mortgage broker and they say they have "loopholes" to get you approved and get into a condo, while you don't have a down payment. Please walk away

1 million+ Canadians will face a mortgage renewal in 2025, and despite rate drops – most of these will renew at higher interest rates 📈 Bottom line: when a mortgage becomes unmanageable, consult (for free!) with a Licensed Insolvency Trustee. hoyes.com/blog/what-do-d…

BREAKING🚨The highly anticipated "Joe Debtor" Annual Consumer Bankruptcy study has been released: Canadians are facing a debt crisis. Financial stress is rising across ALL income levels in Canada. Read the full study: hoyes.com/press/joe-debt…

Can you walk away from a car loan in Ontario? 🚗 In some cases, surrendering your vehicle is an option. But there’s a right way to do it, especially if you’re behind on payments. This video explains how voluntary vehicle surrender works in Ontario: youtu.be/ajBUGhUIzcQ?si…

Debt consolidation was supposed to make things easier...so why does it feel like you're back at square one? If consolidation didn’t work out, you’re not out of options. There are solutions that actually reduce your debt, not just shuffle it around. hoyes.info/failed-debt-co…

I can confirm. I saw the first writ of seizure and sale from CRA that I have seen in a very long time. I am also seeing a lot of bank accounts getting frozen and wage garnishments. CRA is definitely ramping up collections