Guelph Residents Learn the Truth about Bankrupty

September 30, 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. The past few months I have been meeting with many Guelph residents who have been struggling for years trying to pay [...]

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Warning to Guelph Residents: Be aware of Debt Consultants! Use a Consumer Proposal as an alternative to Debt Consultants & Bankruptcy.

September 23, 2010

My name is Adam Rauf and I’m the associate who works in the Guelph office for Hoyes, Michalos and Associates Inc. I’m currently in the process of becoming a licensed Trustee In Bankruptcy and I have met with many Wellington residents who have unfortunately wasted money by seeing “Debt consultants”. Recently an article with MSNBC [...]

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Guelph Residents Use Consumer Proposals to Get Their Fresh Start

September 18, 2010

My name is Adam Rauf and I’m the Guelph associate with Hoyes, Michalos & Associates. Everyday I meet with residents of Guelph to help them recover from their financial problems. Today I met with a man and the first words out of his mouth were: “I’m scared to hell. I don’t know what’s going to [...]

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Guelph Bankruptcy Numbers Decline as Consumer Proposal Numbers Increase

August 30, 2010

The numbers are out and the Office of the Superintendent of Bankruptcy has just released the latest statistics for the number of consumer bankruptcy filings in Guelph (versus business and corporate filings). Overall it’s very positive as the percentage of people who filed bankruptcy has dropped since 2009. To be more specific: The first half [...]

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Once Bitten, Twice Shy – Consider a Consumer Proposal to Avoid a Second Bankruptcy

August 28, 2010

This week, in our Guelph Office, I met with a young couple who own their own home, have a young child and are going through a very difficult financial period. The mother is on maternity leave with reduced income and the father has a landscaping business which due to the poor economy isn’t doing very [...]

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