Author Archives: Sandra Sykora, Trustee

About Sandra Sykora, Trustee

Sandra Sykora is a Licensed Insolvency Trustee with Hoyes, Michalos & Associates Inc. Sandra has been a trustee since 1998 and helps individuals find debt solutions in Toronto, Ontario.

Five Steps to a Successful Bankruptcy
By Sandra Sykora, Trustee
10 Feb 2017 | Category: Bankruptcy in Ontario | Leave a comment
five-steps-to-success-bankruptcy

If you have never been bankrupt before, the minimum time set by the court to be bankrupt is nine months. This means that the court will either give you relief from your debts or discharge you from them in nine months from the date you declare bankruptcy. This is all…

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Can Declaring Bankruptcy Repair My Credit Score?
By Sandra Sykora, Trustee
13 Mar 2015 | Category: Bankruptcy FAQ | Leave a comment
Credit-Report-Credit-Score-Bankruptcy

Yes it can!  Once you have completed all of your bankruptcy duties you will be discharged or relieved from your debts and can start to rebuild your credit.  As you rebuild, your credit score will improve and that fresh start that you were seeking can begin. During a bankruptcy your credit…

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What If I Don’t Want To File Bankruptcy?
By Sandra Sykora, Trustee
08 Aug 2014 | Category: Bankruptcy Alternatives | Leave a comment
Alternatives to bankruptcy

Filing for bankruptcy is a voluntary act so no one can make you file for bankruptcy.  But we know for most it is the last option they want to consider when looking for solutions to dealing with their debts. What Does Your Monthly Cash Flow Say? So what are the…

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