Julie Wildman, CA, MBA Client Service Specialist
JULIE – Tomorrow marks the end of “Credit Education Week” in Canada. It’s great to educate people about credit, but even more important to educate people about the debt that results from credit! As we sometimes like to say – Credit is GOOD, but debt is BAD. Doug Hoyes, one of the co-founders of Hoyes Michalos & Associates wrote an interesting article about this here. We see a lot of people in our office that are in over their heads with debt, and aren’t really sure how they got there. Easy access to credit and a lack of self-discipline when using it can be a recipe for financial disaster.
Do you or someone you know have concerns over your debt levels? Don’t let your debts keep you awake at night worrying. Give us a call at 1-866-747-0660 or email us to book a free, no-obligation consultation with us at one of our offices. We’ll discuss your financial situation and come up with a plan for a fresh start that will work for you.
- Julie WIldman, MBA CA, Client Service Specialist
JULIE – With all the sppoky goblins and ghosts ready to hit the streets in search of treats tonight, many of us at Hoyes Michalos have been sharing some very scary tales: Real Life Debt Consultant stories!
Joking aside, if you’re looking for a company to help you with your debt problems, make sure you know who you are dealing with. The truth is that a Debt Consultant that advertises they can reduce your debts by 70% is not legally able to help you with your debt problems. Only a licensed Trustee in Bankruptcy is able to file a consumer proposal (what the Debt Consultants are really advertising) or personal bankruptcy for you. It’s free to come see me and Sandra in the Toronto Downtown office of Hoyes Michalos & Associates and there’s no obligation when we sit down to talk about your options.
Besides – Sandra just got back from vacation and she’s looking forward to telling everyone about her up-close and personal encounter with a shark!
Now we hope you have a safe and fun Halloween. When you’re done gorging on the kids candy, send us an email or give us a call at 310-PLAN and we’ll get working on a plan for your own fresh start.
