Guelph Ontario Personal Bankruptcy Blog: October 2005: Answers to Personal Bankruptcy Questions

Posted on Monday, October 24, 2005

Where are we located?

Our office is located at 207 Woolwich St. in downtown Guelph, Ontario. It's one of the big old houses that have been converted to office use near the corner of Woolwich and Eramosa. There's free parking behind the building or metered parking on the street.

We're open by appointment only in Guelph - office hours are usually Monday mornings, Tuesday afternoons and Thursday afternoons. Please call to confirm we're in (as opposed to just showing up to drop off a document or paperwork). Given the nature of our work, we're often required to make changes to our office hours on short notice in order to respond to some client-related emergency. I live just south of Guelph (in Aberfoyle) so it's pretty easy to get an evening appointment or even a Saturday, if you need one.

Every month there are approximately 25 people in Guelph and the surrounding area that have to file either bankruptcy or a proposal. We typically handle about 15 of them. There are 3 or 4 other trustees that have offices in Guelph that may also be able to assist you, if you can't reach us.

If you'd like to speak to someone directly give us a call at 823-0330 or 310-PLAN. If you'd prefer to chat by e-mail, that's okay too.

Posted on Monday, October 17, 2005

Who are we?

My name is Ted Michalos and I am one of the founders of Hoyes, Michalos & Associates Inc., trustees in bankruptcy. We operate from a number of offices across Central and Southwestern Ontario - we probably have an office near you.

The firm was opened in 1999. My partner, Doug Hoyes, and I both spent a number of years working for large international accounting firms. What we discovered was that they really weren't set up to deal well with individuals. We decided that in order to properly look after our clients we needed to have offices close to where they live, book appointments outside of normal business hours and make ourselves available to respond personally to their questions and concerns.

In our firm you will never meet with an administrator (unless you ask to)- your appointment will be with a licenced trustee or a professional training to become a trustee. In our Guelph office you will probably be meeting directly with me (as I live just south of Guelph in Aberfoyle). We do this to ensure that your situation is reviewed by an experienced professional. In this way we hope to provide you with the information necessary to make the best decision for yourself and your family.

If you have found your way to this website then you are probably experiencing some sort of financial difficulties. I can't promise that we will solve all of your problems, but I can promise that we will carefully review your situation and provide you with two or three alternatives for you to consider. The one you pick will be the one that you think is right for you.

I can tell you that once you start dealing with the problem, no matter which solution you pick, you will start to feel better. Most of the anxiety caused by finacial difficulties comes from not knowing how to solve the problem - once you've developed a plan you will be back in control and a lot of the anxiety will go away.

Posted on Monday, October 03, 2005

Welcome to our new "blog"

The purpose of this blog is to provide persons living in or near Guelph, Ontario with access to information relating to resolving thier financial difficulties. If you are experiencing problems with debt and would like to know more about credit counseling, proposals or filing bankruptcy you've found the right sight.

If you can't find what you are looking for here, you might try our main site, www.hoyes.com or perhaps www.bankruptcy-canada.ca. Better still, follow the instructions on this page and post an anonymous question to this blog. We can't guarantee that we'll publish your question, but if we think other people might be interested in the answer we probably will.

If you'd like a more personalized approach then I suggest you try this link to e-mail us your querry.

If you are experiencing problems with your finances then I hope what you read here and on our related sites is helpful - the first step on the road to recovery is recognizing that you have a problem. The next step is deciding what to do about it - take the next step and send us your questions. Let's get you started on the road to recovery...