I'm Doug Hoyes, Licensed Insolvency Trustee & co-founder of Hoyes, Michalos. I created this channel to share free, accurate information that can Help people with debt. We share insights based on our expertise and years of experience with Debt Settlement, Debt Consolidation, Debt Negotiating, Credit Counselling, Personal Bankruptcy, Consumer Proposal, Wage Garnishments, Tax Debt, Student loan Debt, and what to look out for when researching and looking for a company providing Debt Relief Services. Debt is unique to each person/family. What solution works for one person may not work for another, and I want to help you find the right fit to meet your financial goals. The debt industry is saturated with information, and not all of it is factual. This can make it tough to sort through - what's true and what's not, or what works and what doesn't. My goal is that this channel will provide clear, unbiased, realistic information on the realities of getting out of debt.