HeyJaredDebt Free in 30
Each week Doug Hoyes talks to industry experts about debt, money, and personal finance. Don't be confused; listen as the guest experts cut through the jargon and share practical advice.
- Indexed episodes, last 90 days
- 13
- Latest publication
- Sep 26, 2026
- Audience
- Checking…
- Earliest in this view
- Jul 4, 2026
Latest episodes
630 – Maxed Out? The Real Problem Isn't Your Credit Limit (opens the original)
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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 higher limit
629 – Why Lenders Keep Giving You More Credit (Even When You're Struggling) (opens the original)
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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 who ge
628 - Only 780 Trustees for 40 Million Canadians: What It Takes (opens the original)
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What does it actually take to become a Licensed Insolvency Trustee (LIT) in Canada? Hint: It's not just a quick course and a quick test. In this episode, Doug Hoyes welcomes back Charlie Kovacs to the studio for his first official appearance as a newly minted Licensed Insolvency Trustee! Together, they pull back the curtain on the multi-year journey required to earn the designation. From university requirements and the BIA Insolvency Counselors course to surviving the notorious PC3 assignments,
627 - The Most Dangerous Thing About Debt? — You've Given In (opens the original)
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Are you making every payment on time but your credit card balance never moves? You're not managing debt — you're just managing cash flow. In the Season 13 premiere of Debt Free in 30, Doug Hoyes, explains the most dangerous moment in debt — when exhaustion sets in and you believe there's no way out. We break down why minimum payments keep you trapped for 83 years, how Buy Now Pay Later and consolidation loans just move debt around, and why homeowner insolvencies are rising as the real estate "es
626 - The Best Debt Warnings From Our Experts | Doug Hoyes & Ted Michalos (opens the original)
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Are you ignoring the warning signs of debt ? Licensed Insolvency Trustees Doug Hoyes & Ted Michalos share the best debt warnings every Canadian needs to hear — from credit card debt traps to payday loans, co-signed debt and what happens if you stop paying. This 26-minute compilation is for anyone searching how to pay off debt, manage credit card debt in Canada, and become debt free without falling for common debt traps. All clips are from past Debt Free in 30 episodes (Sept 2025 - July 2026) and
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