Scott Terrio, BA, QIC, CPCA, has been a regular author at Macleans and Canadian Business magazines and a listed columnist for Moneysense, focusing on consumer debt issues. He is a frequent media commentator, appearing on BNN Bloomberg TV, CBC and various radio broadcasts. He has contributed to such publications as The Globe and Mail, The Toronto Star, The National Post and The Walrus, among others. In his decade in the insolvency industry and now as Head of Consumer Insolvencyat Hoyes Michalos Hoyes, Scott has met with and filed well over 8,000 clients,primarily consumers. He brings his previous background in sales, marketing andbusiness development to making clients feel as comfortable as possible inguidance through various options and tactics, and in trusting advice and solutionsunder difficult circumstances. His professional experience includes the following: • Ontario Ministry of Ag, Food & Rural Affairs, 1993-1996• John Deere Canada, 1996-2010• Cooper & Co. Ltd. Licensed Insolvency Trustee, 2010-2018• Hoyes, Michalos & Associates, 2018-Present

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