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Post Holiday Blues

Here it is, we are staring February in the face, The warm glow of the Holiday Season has faded, and the December credit card bills are coming in.

Maybe, you really tried to keep spending under control, maybe you did not quite succeed. But the fact is now, you have to figure out what to do about the bills.

My name is Brian McIlmoyle, I’m an articling Trustee with Hoyes Michalos & Associates Inc. in our Mississauga office and I’ve seen the “Post Holiday Blues” every years at this time for the past few years.

It’s not that you over spent, it’s not that you were out of control, it’s just that you were already a bit overextended before the Holidays, and now finances are really starting to pinch.

You are probably looking at your credit card bills and seeing things like, “if you continue to make minimum payments your balance will be paid off in 18 years”
18 years… that is a long time, it’s time to take care of your debt now, but how do you do it?

The first thing you do is get informed, find out what options are available and how you can go about getting yourself debt free. Our website contains a wealth of information on all options.

If you are like most people I talk to daily in my Mississauga office, bankruptcy is the farthest thing from your mind, fortunately for most people dealing with debt, bankruptcy is not the best option.
In fact most people who deal with us at Hoyes Michalos & Associates Inc. file a Consumer Proposal to deal with their debts. They can settle their debt for a fraction of what they owe and make a single affordable monthly payment. Getting free of your debt does not have to take 18 years of payments. It can take much less time and cost much less money than you ever thought possible with a Consumer Proposal.

Don’t let the “Post Holiday Blues” get you down, take control, Click on or call 310-PLAN ( 7526) and lets get started

Brian McIlmoyle

Brian McIlmoyle is a Licensed Insolvency Trustee working in our Mississauga and Toronto Danforth offices. Brian worked in many industries prior to becoming a trustee including construction, manufacturing and serving in the military. His extensive background helps him talk with people about their financial problems and find an approach that works for them.