Randy A. Folmes
@RFolmes
Husband, Father of two daughters, Tech Strategist, Community Builder, Avid cyclist, & Amateur Blackjack player. “One level of service, it's the best.
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Keep your four-way flashing lights OFF when you are driving with traffic, even if the driving conditions are less than ideal. But always drive with your full headlighting and tail lighting systems turned on - day and night. #BeSeen You can use your four-way way flashing lights…
Working two or three jobs used to be a temporary stretch. For many Canadians, it’s become the baseline (and still isn’t enough to keep up). 📈📈📈 When effort alone isn’t closing the gap, it’s not a motivation issue. It’s a system problem. hoyes.tips/credit-repair
Tax refunds can factor into bankruptcy, even outside of tax season. People want to know: Will I get my return? This video breaks down how they’re handled and what to know ahead of time: hoyes.video/tax-returns #FinancialLiteracy #MoneyQuestions #DebtEducation #BankruptcyBasics
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What Happens to My Tax Refund in a Bankruptcy or Consumer Proposal?
Rising debt doesn't trigger insolvency. Missed payments do. Details on the podcast youtu.be/Y4JMO9JqVig?si…, or my summary here: linkedin.com/posts/douglas-…
It may look like people are managing, but the financial strain is real. Doug Hoyes and Ted Michalos reveal what’s really bubbling beneath the surface, and what could trigger a wave of insolvencies ahead. 🌊 hoyes.video/podcast-canadi… #CanadianDebtTrends #canadianpodcast
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Debt Is Exploding - Are Canadians On The Precipice Of Financial...
Debt is rising. Bankruptcies aren’t. That’s not good news. It means Canadians are enduring, not recovering. Why insolvencies lag debt — and why 2026 could be the breaking point — on Debt Free in 30. 🎧 youtu.be/Y4JMO9JqVig?si…
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YouTube
Debt Is Exploding - Are Canadians On The Precipice Of Financial...
Collection calls can be stressful, but they don’t have to control your day. 📵 If the phone keeps ringing and the pressure’s building, it’s time to take the first step. Learn more: hoyes.tips/stop-collectio…
Thinking about filing for bankruptcy and wondering if it still makes sense to keep paying bills? This short video clears up what to consider before making that call: hoyes.video/paying-bills-b… #BankruptcyHelp #DebtRelief #financialplanning
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Can I stop paying my creditors before filing a bankruptcy or consumer...
Wondering how often it actually makes sense to check a credit score? This video breaks down what’s helpful, what’s unnecessary, and where people tend to overthink it. For a clearer path forward, the free credit course covers the basics without the noise: hoyes.tips/credit-repair
Misconceptions about consumer proposals often prevent Canadians from accessing the debt relief they need. This guide breaks down who qualifies, how it works, and when it may be worth exploring: hoyes.tips/who-qualifies-…
Having investments doesn’t automatically mean financial security, especially when serious debt enters the picture. What happens to investments when debt becomes unmanageable, what's protected, and how to make decisions that preserve long-term stability: hoyes.video/investments-an…
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Will Your Investments Survive Serious Debt ?
At Hoyes Michalos, the focus is on clear answers, respectful conversations, and a process designed to reduce stress at every step. ❤️🩹 hoyes.tips/start-here #bankruptcy #insolvency #consumerproposal #debtrelief #debtreliefcanada #debthelp #debtoptions
Life after bankruptcy doesn’t always go as planned. Despite best efforts to maintain financial stability, some may struggle with debt again. 🔄 This explains whether a second filing is possible and what to expect: hoyes.tips/second-bankrup… #financialrecovery #bankruptcycanada
Avoiding debt often starts with understanding how credit actually works. Small decisions like missed payments, rising balances, relying on minimums—can quietly add up over time. Our free credit course breaks it down so better choices come easier: hoyes.tips/credit-card-de…
Clear, practical guidance for Canadians! 🍁 In this video, Doug Hoyes explains what happens to credit cards in a consumer proposal and what to expect as the process begins. hoyes.video/give-up-credit… #credit #DebtTips #CreditCardTips #FinancialWellness #ConsumerRights
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Do You Have To Give Up Credit Cards In A Consumer Proposal?
Collections are increasing, but the biggest risk is not always the call itself. 📞 We unpack what collection agencies are seeking, including confirmations that can restart limitation periods. The discussion covers consumer rights, scam detection, and more hoyes.video/debt-collector…
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Debt Collectors Busier Than Ever? - What They Are Really Looking For
After a missed credit card payment, changes often happen in stages. This video walks through what typically follows...late fees and interest, credit reporting, and when a missed payment can lead to collections. hoyes.tips/credit-card-de…
Watch Out for Text Message Scams📱 Have you received a message like this: “Why didn’t you reply to my message?” It’s a common tactic used by scammers to spark curiosity and get you to respond. Once you reply, they may try to steal personal information or send malicious links.…
Refinancing at a variable rate can help, or create new pressure when rates rise...😬 This video explains what to consider before signing, and how to stay ahead of payment changes. hoyes.tips/afford-mortgag… #DebtHelp #FinancialWellness #MoneyTips #InterestRates #Refinancing
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