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Ian Martin
143 followers -
Striving for balance in all aspects of my life (some days are better than others). Whether it's personal or professional, I want to help the people around me find that same balance.
Striving for balance in all aspects of my life (some days are better than others). Whether it's personal or professional, I want to help the people around me find that same balance.

143 followers
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Filing a consumer proposal means that you are not paying back all of your debt.  Do banks like that?  Why would they agree to that?

#DebtFree #DebtOptions #ConsumerProposal  
Do Banks Like Consumer Proposals?

To understand how creditors, like your bank, view a consumer proposal, it’s important to understand exactly what a consumer proposal is and how it affects the money you owe them.

Here’s the quick version: http://ow.ly/T2ANq

#Debt #DebtRelief #ConsumerProposal  
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My comments about the financial and non-financial protection from filing bankruptcy.
What Bankruptcy Protection Does The Bankruptcy & Insolvency Act Provide?

“Protection” is one of the words most often associated with bankruptcy.  The purpose of this article is to explain some of the fundamental questions about what protection under the Bankruptcy & Insolvency Act (BIA) means.

Learn more: http://ow.ly/SCDCN

#Bankruptcy #Debt #DebtAdvice  
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Here's a summary of the why's and how's of checking your credit report on a regular basis.  

Original post from +Hoyes, Michalos & Associates Inc. 

#creditscore   #financialliteracy   #debtfree  
How To Check Your Credit Report

Reviewing your credit report at least once a year is part of a healthy financial routine. What you should be on the lookout for, is errors or out-of-date information.

This annual routine is important because you don’t want inaccurate information to hold you back from achieving your financial goals. Here are some big reasons to check your credit report: http://ow.ly/Nf9xr

#Credit #CreditReport #Debt  
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The Kidney Foundation Celebrity Men Fashion Event

Hoyes, Michalos & Associates Inc. is proud to once again sponsor The Kidney Foundation of Canada Celebrity Men Fashion Event in Kitchener-Waterloo.  We are happy to support such a great cause that affects so many people in our community.

Find out more: http://ow.ly/MRsgx

cc: +Kidney Foundation Of Canada #KidneyFoundation  
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My comments regarding settling income tax debts in recent post fpr +Hoyes, Michalos & Associates Inc. 

#Taxes #CRA   #DebtOptions  
Though tax debts are included in a consumer proposal or personal bankruptcy, there is an assortment of considerations that are unique when trying a tax debt settlement with the tax man. In this article, we will review the special collection powers that the CRA has, as well as the options for making a settlement arrangement or filing bankruptcy when you have CRA debts.
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Tomorrow is the big day for CHYM Father Dughter Ball, benefiting Carizon Family + Community Services.  Looks like tickets are sold out so mark your calendar to not miss out next year.

My colleague +Scott Schaefer and his daughters are the honorary co-chairs for the evening, sponsorship by +Hoyes, Michalos & Associates Inc. 

#waterlooregion   #fundraiser   
CHYM Father Daughter Ball 2015

This event is an amazing opportunity for fathers to share a magical night with their little princesses.

Learn more: http://ow.ly/JSh9r
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Look for the comment in the article that says labour costs have "softened."  So, corporate profits are up largely because wages have not kept pace with inflation.  I applaud efficiency, but....
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A consumer proposal is an effective, legal way to get unsecured debts under control.  A licensed trustee can help you understand the benefits and limitations.

#ConsumerProposal   #DebtOptions   #LicensedTrustee  
Does A Consumer Proposal Settle All My Debts?

For many people, a consumer proposal is an effective option for settling debts when you are simply unable to repay everything in full. Consumer proposals have grown significantly in popularity in recent years as more people become aware of consumer proposals as a viable alternative to bankruptcy in Canada.  Even with this popularity however, there is still a lot of confusion and misinformation.

Learn more: http://ow.ly/KSAim

#Debt #DebtRelief #ConsumerProposal  
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Spring is in the air, so it's time to talk about income taxes.  

#TaxTime2015  
An In-depth Look At Tax Debt Solutions

Today on Debt Free in 30 we discuss taxes, Canada Revenue Agency, and debt options with our resident Hoyes, Michalos tax expert, Trustee in Bankruptcy, +Ian Martin. We'll cover:

 - Can tax debts be included in bankruptcy?
 - Should you go bankrupt if you owe money to Canada Revenue Agency?
 - Will CRA negotiate a settlement?

Listen here: http://ow.ly/KUXPn

#TaxDebt #Debt #DebtFreeIn30 #Podcast  
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An auditor calls it a "red flag" - a bright signal calling "look at me."

I share this article not to coach on how to get around the CRA checks and balances. It's about understanding why you were chosen for audit and having your documents in order to support your claims. 

#TaxTime2015  
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