Booking Overview
Metrics
Episodes: 633
Frequency: Weekly
Rating: 4.6/5.0
Estimated listeners: 1,000 - 10,000
Gender skew: Neutral
Listener location: Canada
YouTube: 4.3k subscribers
Instagram: 3.0k followers
Contact Information
Publicly listed emails
doug@hoyes.com
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Host
Doug Hoyes - Licensed Insolvency Trustee and co-founder of Hoyes Michalos, specializing in consumer debt relief, insolvency, consumer proposals, and bankruptcy.
Ted Michalos - Licensed Insolvency Trustee and co-founder of Hoyes Michalos, specializing in consumer insolvency and practical debt-relief guidance.
Booking Intelligence
Booking Requirements
Recent Guest Discussions
Charlie Kovacs - The Qualifications, Examinations, Experience Requirements, Licensing Process, And Day-to-day Work Of A Canadian Licensed Insolvency Trustee.
Recent Topics
Episodes
631 – Carrying a Credit Card Balance? What It Really Costs You
October 03, 2026
If you carry $5,000 on a credit card at around 20% interest, keeping that balance can cost roughly $1,000 a year. Making the minimum payment may keep your account in good standing, but it does not mean you are paying the debt off. Doug Hoyes and Ted Michalos explain what it means to pay a credit card in full, the difference between your statement balance and current balance, and why a card changes from a convenient payment tool into an expensive loan when you carry a balance. They look at...
630 – Maxed Out? The Real Problem Isn't Your Credit Limit
September 26, 2026
What does it really mean when you max out your credit card? A maxed-out card may look like a credit problem, but often the real issue is cash flow: you're spending more each month than you have available, and credit is filling the gap. Take our free online course: Hoyes Michalos Credit Rebuilding Course Doug Hoyes and Ted Michalos explain what happens when you hit your credit limit, how maxed-out cards affect your credit utilization and borrowing options, and why simply asking for a hi...
629 – Why Lenders Keep Giving You More Credit (Even When You're Struggling)
September 19, 2026
Why would a lender raise your credit limit when you're already struggling to keep up? Credit approval algorithms look at your credit report and payment history, not your entire financial picture. You may be making every minimum payment on time while using a line of credit, cash advance, or buy now pay later plan just to keep up. To the lender, you can look like an ideal customer even while your debt grows every month. In this episode, Doug Hoyes and Ted Michalos explain how lenders decide w...
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Publicly listed emails
doug@hoyes.com
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