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	<title>Bankruptcy Cambridge &#187; Howard Hayes</title>
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	<link>http://www.bankruptcy-cambridge.com</link>
	<description>Bankruptcy, Consumer Proposals and Alternate Debt Solutions for Cambridge Ontario</description>
	<lastBuildDate>Tue, 24 Jan 2012 17:34:01 +0000</lastBuildDate>
	<language>en</language>
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		<title>New Surplus Income Calculator</title>
		<link>http://www.bankruptcy-cambridge.com/bankruptcy/2012/01/new-surplus-income-calculator.html?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=new-surplus-income-calculator</link>
		<comments>http://www.bankruptcy-cambridge.com/bankruptcy/2012/01/new-surplus-income-calculator.html#comments</comments>
		<pubDate>Fri, 20 Jan 2012 20:51:04 +0000</pubDate>
		<dc:creator>Howard Hayes</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Bankruptcy Cambridge]]></category>
		<category><![CDATA[Consumer Proposal]]></category>
		<category><![CDATA[Surplus Income]]></category>
		<category><![CDATA[Cambridge]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Free Consultation]]></category>

		<guid isPermaLink="false">http://www.bankruptcy-cambridge.com/?p=994</guid>
		<description><![CDATA[We've created an Internet first.  The best calculator available anywhere on the Internet for you to use that will show you how surplus income is calculated and more importantly, it will show you what you'd be required to pay. ]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Positive trend in Cambridge Insolvency Numbers?</title>
		<link>http://www.bankruptcy-cambridge.com/consumer-proposal/2012/01/positive-trend-in-cambridge-insolvency-numbers.html?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=positive-trend-in-cambridge-insolvency-numbers</link>
		<comments>http://www.bankruptcy-cambridge.com/consumer-proposal/2012/01/positive-trend-in-cambridge-insolvency-numbers.html#comments</comments>
		<pubDate>Wed, 11 Jan 2012 17:16:03 +0000</pubDate>
		<dc:creator>Howard Hayes</dc:creator>
				<category><![CDATA[Bankruptcy Cambridge]]></category>
		<category><![CDATA[Budget]]></category>
		<category><![CDATA[Consumer Proposal]]></category>
		<category><![CDATA[Debts]]></category>
		<category><![CDATA[Statistics]]></category>
		<category><![CDATA[AM570]]></category>
		<category><![CDATA[Ask The Experts]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Cambridge]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Free Consultation]]></category>
		<category><![CDATA[Kitchener]]></category>
		<category><![CDATA[Local]]></category>
		<category><![CDATA[Never Too Late]]></category>
		<category><![CDATA[Waterloo]]></category>

		<guid isPermaLink="false">http://www.bankruptcy-cambridge.com/?p=972</guid>
		<description><![CDATA[Between July and September of 2011, 907 people filed either a personal bankruptcy or a consumer proposal.   This is a substantial drop of 13.5% from the 1087 people that filed in the same time period of 2010.  What is interesting to note is that the overall % of people choosing to file a Consumer Proposal rather than personal bankruptcy increased.

]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Time of year to start thinking of the &#8220;Fresh Start&#8221;</title>
		<link>http://www.bankruptcy-cambridge.com/bankruptcy/2012/01/fresh-start.html?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=fresh-start</link>
		<comments>http://www.bankruptcy-cambridge.com/bankruptcy/2012/01/fresh-start.html#comments</comments>
		<pubDate>Wed, 04 Jan 2012 16:00:10 +0000</pubDate>
		<dc:creator>Howard Hayes</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Bankruptcy Cambridge]]></category>
		<category><![CDATA[Budget]]></category>
		<category><![CDATA[Consumer Proposal]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Credit Counselling]]></category>
		<category><![CDATA[Credit Rating]]></category>
		<category><![CDATA[Credit Repair]]></category>
		<category><![CDATA[Debts]]></category>
		<category><![CDATA[Cambridge]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Debt cards]]></category>
		<category><![CDATA[EBook]]></category>
		<category><![CDATA[equifax]]></category>
		<category><![CDATA[Free Consultation]]></category>
		<category><![CDATA[Never Too Late]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[RRSP's]]></category>
		<category><![CDATA[trans union]]></category>

		<guid isPermaLink="false">http://www.bankruptcy-cambridge.com/?p=854</guid>
		<description><![CDATA[By viewing your credit report and by looking at the budget, it helps put things in some kind of financial perspective. 

* Do you have more, or less debt than you thought?
* Can you afford the expenses you know are fast approaching?
* Are you saving for retirment?
* Are you paying more than just the minimum's on your debts?
* Do you feel like your debts are becoming overwhelming or that you're just not getting anywhere?

These are some great questions to ask yourself at this time of year.  It's never too late to ask "how do I get that fresh start?".  
]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Live Radio Show Coming Up</title>
		<link>http://www.bankruptcy-cambridge.com/consumer-proposal/2012/01/live-radio-show-coming-up.html?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=live-radio-show-coming-up</link>
		<comments>http://www.bankruptcy-cambridge.com/consumer-proposal/2012/01/live-radio-show-coming-up.html#comments</comments>
		<pubDate>Wed, 04 Jan 2012 15:18:26 +0000</pubDate>
		<dc:creator>Howard Hayes</dc:creator>
				<category><![CDATA[Budget]]></category>
		<category><![CDATA[Consumer Proposal]]></category>
		<category><![CDATA[Credit Counselling]]></category>
		<category><![CDATA[Debts]]></category>
		<category><![CDATA[AM570]]></category>
		<category><![CDATA[Ask The Experts]]></category>
		<category><![CDATA[Cambridge]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Debt cards]]></category>
		<category><![CDATA[Debt Consultants]]></category>
		<category><![CDATA[Kitchener]]></category>
		<category><![CDATA[Local]]></category>
		<category><![CDATA[Waterloo]]></category>

		<guid isPermaLink="false">http://www.bankruptcy-cambridge.com/?p=954</guid>
		<description><![CDATA[Consumer Proposals, Credit Counselling, Debt Settlements, "Government Programs" are all words that have been thrown around over the last year.  We'll get to the bottom of the pro's and con's of each options and give you the information you need to so you can decide which one may sound like the best option for you to be able to deal with your debts.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Sticking to a budget for the holidays</title>
		<link>http://www.bankruptcy-cambridge.com/budget/2011/12/sticking-to-a-budget-for-the-holidays.html?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=sticking-to-a-budget-for-the-holidays</link>
		<comments>http://www.bankruptcy-cambridge.com/budget/2011/12/sticking-to-a-budget-for-the-holidays.html#comments</comments>
		<pubDate>Wed, 14 Dec 2011 19:29:54 +0000</pubDate>
		<dc:creator>Howard Hayes</dc:creator>
				<category><![CDATA[Budget]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debts]]></category>
		<category><![CDATA[Cambridge]]></category>
		<category><![CDATA[Christmas]]></category>
		<category><![CDATA[Consumer Proposal]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Debt cards]]></category>
		<category><![CDATA[Free Consultation]]></category>
		<category><![CDATA[Kitchener]]></category>
		<category><![CDATA[Local]]></category>
		<category><![CDATA[Rogers]]></category>
		<category><![CDATA[Waterloo]]></category>

		<guid isPermaLink="false">http://www.bankruptcy-cambridge.com/?p=945</guid>
		<description><![CDATA[Ian Martin from our Kitchener office will be appearing tonight on Rogers "talk local" show at 7pm.  

He'll be discussing the importance of sticking to a budget over the holiday season and the real cost of christmas shopping on credit.

]]></description>
		<wfw:commentRss>http://www.bankruptcy-cambridge.com/budget/2011/12/sticking-to-a-budget-for-the-holidays.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Does Bankruptcy last forever???</title>
		<link>http://www.bankruptcy-cambridge.com/bankruptcy/2011/11/does-bankruptcy-last-forever.html?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=does-bankruptcy-last-forever</link>
		<comments>http://www.bankruptcy-cambridge.com/bankruptcy/2011/11/does-bankruptcy-last-forever.html#comments</comments>
		<pubDate>Mon, 28 Nov 2011 13:30:45 +0000</pubDate>
		<dc:creator>Howard Hayes</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Bankruptcy Cambridge]]></category>
		<category><![CDATA[Debts]]></category>
		<category><![CDATA[Surplus Income]]></category>
		<category><![CDATA[Cambridge]]></category>
		<category><![CDATA[Credit Counselling]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Discharge]]></category>
		<category><![CDATA[equifax]]></category>
		<category><![CDATA[trans union]]></category>

		<guid isPermaLink="false">http://www.bankruptcy-cambridge.com/?p=858</guid>
		<description><![CDATA[Potentially, yes&#8230; Now that I have your attention, here is a more concise answer. Part of the process for filing a bankruptcy means that in exchange for the elimination of your debts you have various duties to perform.  Without performing these duties your bankruptcy could &#8220;potentially&#8221; go on forever&#8230; there is no maximum time you could [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What exactly is &#8220;Surplus Income&#8221;?</title>
		<link>http://www.bankruptcy-cambridge.com/bankruptcy/2011/11/what-exactly-is-surplus-income.html?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=what-exactly-is-surplus-income</link>
		<comments>http://www.bankruptcy-cambridge.com/bankruptcy/2011/11/what-exactly-is-surplus-income.html#comments</comments>
		<pubDate>Tue, 15 Nov 2011 13:33:08 +0000</pubDate>
		<dc:creator>Howard Hayes</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Bankruptcy Cambridge]]></category>
		<category><![CDATA[Surplus Income]]></category>
		<category><![CDATA[Cambridge]]></category>
		<category><![CDATA[Debt]]></category>

		<guid isPermaLink="false">http://www.bankruptcy-cambridge.com/?p=856</guid>
		<description><![CDATA[In a bankruptcy, essentially what it means is "the more you make, the more you'll have to pay".
The government has tried to create a system that it considers to be fair when it comes to how much you should have to pay to file a bankruptcy.  They take into consideration 3 things:

How much your take home pay it (net pay)
The size of your family
If you have any expenses you are forced to pay each month (like support, fines, medical expenses).
Here is how it works...

]]></description>
		<wfw:commentRss>http://www.bankruptcy-cambridge.com/bankruptcy/2011/11/what-exactly-is-surplus-income.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Debt Consultants give you no legal protection</title>
		<link>http://www.bankruptcy-cambridge.com/consumer-proposal/2011/10/debt-consultants.html?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=debt-consultants</link>
		<comments>http://www.bankruptcy-cambridge.com/consumer-proposal/2011/10/debt-consultants.html#comments</comments>
		<pubDate>Mon, 17 Oct 2011 13:00:19 +0000</pubDate>
		<dc:creator>Howard Hayes</dc:creator>
				<category><![CDATA[Collection Agents]]></category>
		<category><![CDATA[Consumer Proposal]]></category>
		<category><![CDATA[Budget]]></category>
		<category><![CDATA[Cambridge]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Debt Consultants]]></category>
		<category><![CDATA[Fees]]></category>
		<category><![CDATA[Free Consultation]]></category>

		<guid isPermaLink="false">http://www.bankruptcy-cambridge.com/?p=839</guid>
		<description><![CDATA[We don't charge an up front fee for the filing of a Consumer Proposal.
Dealing with Debt can be scary and it's hard to know who to trust.  Here at Hoyes Michalos &#038; Associates, we are licenced by the government to be able to negotiate consumer proposals with your creditors and make a legally binding deal to lower your debt.  If you're talking to someone else about doing something that sounds similar to this - make sure they are a licenced trustee too.]]></description>
		<wfw:commentRss>http://www.bankruptcy-cambridge.com/consumer-proposal/2011/10/debt-consultants.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Credit Cards AKA Debt Cards</title>
		<link>http://www.bankruptcy-cambridge.com/budget/2011/10/credit-cards-aka-debt-cards.html?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=credit-cards-aka-debt-cards</link>
		<comments>http://www.bankruptcy-cambridge.com/budget/2011/10/credit-cards-aka-debt-cards.html#comments</comments>
		<pubDate>Tue, 04 Oct 2011 17:34:10 +0000</pubDate>
		<dc:creator>Howard Hayes</dc:creator>
				<category><![CDATA[Budget]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debts]]></category>
		<category><![CDATA[banks]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[Debt]]></category>

		<guid isPermaLink="false">http://www.bankruptcy-cambridge.com/?p=869</guid>
		<description><![CDATA[I decided yesterday that whenever possible I'm going to refer to a credit card as a debt card.]]></description>
		<wfw:commentRss>http://www.bankruptcy-cambridge.com/budget/2011/10/credit-cards-aka-debt-cards.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Ask the Experts Show AM570 Sat 1pm Sept 24th</title>
		<link>http://www.bankruptcy-cambridge.com/bankruptcy/2011/09/ask-the-experts-show-am570-sat-1pm-sept-24th.html?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=ask-the-experts-show-am570-sat-1pm-sept-24th</link>
		<comments>http://www.bankruptcy-cambridge.com/bankruptcy/2011/09/ask-the-experts-show-am570-sat-1pm-sept-24th.html#comments</comments>
		<pubDate>Tue, 20 Sep 2011 14:00:59 +0000</pubDate>
		<dc:creator>Howard Hayes</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Bankruptcy Cambridge]]></category>
		<category><![CDATA[Budget]]></category>
		<category><![CDATA[Collection Agents]]></category>
		<category><![CDATA[Consumer Proposal]]></category>
		<category><![CDATA[Credit Counselling]]></category>
		<category><![CDATA[Credit Rating]]></category>
		<category><![CDATA[Credit Repair]]></category>
		<category><![CDATA[AM570]]></category>
		<category><![CDATA[Ask The Experts]]></category>
		<category><![CDATA[Cambridge]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Free Consultation]]></category>

		<guid isPermaLink="false">http://www.bankruptcy-cambridge.com/?p=842</guid>
		<description><![CDATA[On Saturday Septemeber 24th Ted Michalos and Cambridge trustee Doug Hoyes will be live on the radio for an hour on the AM570 radio show "Ask The Experts".

]]></description>
		<wfw:commentRss>http://www.bankruptcy-cambridge.com/bankruptcy/2011/09/ask-the-experts-show-am570-sat-1pm-sept-24th.html/feed</wfw:commentRss>
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