Bankruptcy vs. Consumer Proposals – What’s the Best Solution?

December 10, 2010

My name is Adam Rauf and I’m the associate who manages the Guelph office for Hoyes, Michalos and Associates Inc. and I’m currently in the process of becoming a licensed Trustee In Bankruptcy. Without a doubt, a Consumer Proposal is always the most favoured alternative to filing a bankruptcy. Unfortunately, it may not always be financially possible depending […]

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The Credit Culture is Spreading Globally

December 2, 2010

My name is Adam Rauf and I’m the associate who works in the Guelph office for Hoyes, Michalos and Associates Inc. and I’m currently in the process of becoming a licensed Trustee In Bankruptcy. I just spent 3 weeks in India visiting family and friends. India is a beautiful place that will you speechless, frustrated, inspired and above […]

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What Happens to my House in a Bankruptcy?

November 5, 2010

My name is Adam Rauf and I’m the associate who works in the Guelph office for Hoyes, Michalos and Associates Inc. and I’m currently in the process of becoming a licensed Trustee In Bankruptcy. One of the most common questions I am asked is “If I declare bankruptcy can I keep my house?” The short […]

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Use a Consumer Proposal to Stop Harrassing Collection Agents

October 28, 2010

A few months ago I met with a woman who filed a Consumer Proposal in our Guelph office at Hoyes, Michalos & Associates Inc. She was going through a difficult period in her life and had to take some time off work for personal health issues. As a result her credit card bills went by […]

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Creditor Oppositions – Another Reason why a Consumer Proposal is Better than a Bankruptcy

October 22, 2010

My name is Adam Rauf and I’m the associate who works in the Guelph office for Hoyes, Michalos and Associates Inc. and I’m currently in the process of becoming a licensed Trustee In Bankruptcy. A few months ago I met with an individual who was debating whether or not he should declare bankruptcy or file […]

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