You deserve a fresh start! No matter what debt solution you chose, rebuilding starts now.
This section focuses on money management, savings, rebuilding credit, and long-term financial stability after insolvency.
Common After Filing Questions
Quick answers to the things most people worry about first
- Opening a new bank account
- Which bank should I choose?
- Stopping creditors calls
- Getting a new credit card
- How to file income taxes
- Renting an apartment after bankruptcy or a consumer proposal
Money Management
I’m not just surviving, I’m building a foundation
- Budgeting made easy
- Useful apps and tracking tools
- Emergency fund basics
- Where to save your money (building wealth)
Credit Counselling
Rebuilding Credit
Rebuilding credit takes time. The goal is progress — not perfection.
Get a step-by-step plan to build a positive credit history and improve your credit score with our free online video course.
We also have a credit rebuilding section on this website including articles on:
- Understanding credit reports and scores
- How your bankruptcy or proposal appears on your credit report
- Getting a free credit report
- Correcting errors on your report
- Steps to rebuilding credit
- What helps – and what hurts
- Should I use a credit repair company?
Free, Helpful Resources
Extra support — when you’re ready
- Helpful Books
- Debt Free in 30 Podcast – Weekly practical advice from industry experts, hosted by Doug Hoyes
- Hoyes Michalos You Tube Channel – lots of free, helpful videos
- Hoyes Michalos Blog – updated twice a week
- Consumed by Debt? A Guide from the Office of the Superintendent of Bankruptcy
- 52 Tips to Avoid Debt
How Did We Do?
Our founders, Doug Hoyes and Ted Michalos always appreciate hearing your feedback (good or bad) on how we did. Would you like to see other material included in our Fresh Start Recovery Program? Feel free to send us an e-mail on our How Did We Do page. Good luck and best wishes for a healthy financial future.