Every person will experience financial trouble at some point in their lives. Whether it is caused by job loss, divorce, sickness, or poor decision making, money and debt problems cause stress and strain and can be tough to fix on your own.
Some people can get out of the trouble they are in – they take extra shifts at work, cut back on expenses, or get help from a relative or a friend. Others, though, have situations that are so overwhelming that they need help in order to fix the situation they are in. This is where Hoyes, Michalos & Associates Inc. comes in.
We start with a meeting that is a free consultation to sit down with you and discuss your financial situation. The meeting lasts for approximately one hour, in which we will work through your financial problems, and find the right solution for you and your family. To get the most out of this meeting, you should bring in as much of the following as you can:
- List of creditors, or people you owe money to – this should include everyone, including credit cards, banks, pay day loans, family members, friends, etc.
- Statements – this includes credit card statements, loan statements, etc.Â
- Budget for the month – this includes how much money you make and how much money you spend in a month
- Most current pay stubsÂ
- And any Information about what you own – this includes information about your house, your car, any RRSPs, etc.
The meeting will help you see your whole financial situation more clearly, and will provide possible solutions including filing a consumer proposal or personal bankruptcy. In most cases you’ll walk away feeling more relieved because you have a plan for dealing with your debts and can start to put your life back together.
If you are in financial trouble and you want to talk to someone, contact us at 310-PLAN or email me any questions you may have. The meeting we’ll set up is completely free of charge and will help you figure out your next step. Remember – bringing as much information as possible will make your meeting more successful. For a complete list of items to bring and information to consider, check out our Fresh Start Application, which you can fill out before you come speak to us.
Don’t hesitate – if your debt problems are overwhelming you, let’s get together to figure out your next step and get you your fresh start today.
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