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	<title>Bankruptcy Cambridge &#187; Doug Hoyes</title>
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	<description>Bankruptcy, Consumer Proposals and Alternate Debt Solutions for Cambridge Ontario</description>
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		<title>Should I Go Bankrupt in Cambridge?</title>
		<link>http://www.bankruptcy-cambridge.com/consumer-proposal/2008/02/should-i-go-bankrupt-in-cambridge.html?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=should-i-go-bankrupt-in-cambridge</link>
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		<pubDate>Sat, 23 Feb 2008 16:48:00 +0000</pubDate>
		<dc:creator>Doug Hoyes</dc:creator>
				<category><![CDATA[Bankruptcy Cambridge]]></category>
		<category><![CDATA[Consumer Proposal]]></category>

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		<description><![CDATA[Each week Howard Hayes and I meet with lots of people in our Cambridge bankruptcy office who ask me the same question: &#8220;Should I go bankrupt in Cambridge?&#8221; Everyone&#8217;s situation is different, so for the answer for you, I suggest you give us a call at 519-622-3773, or send us an e-mail, so we can [...]]]></description>
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		<title>What does it cost to file a consumer proposal in Cambridge?</title>
		<link>http://www.bankruptcy-cambridge.com/bankruptcy/2006/12/what-does-it-cost-to-file-a-consumer-proposal-in-cambridge.html?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=what-does-it-cost-to-file-a-consumer-proposal-in-cambridge</link>
		<comments>http://www.bankruptcy-cambridge.com/bankruptcy/2006/12/what-does-it-cost-to-file-a-consumer-proposal-in-cambridge.html#comments</comments>
		<pubDate>Mon, 04 Dec 2006 19:19:00 +0000</pubDate>
		<dc:creator>Doug Hoyes</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>

		<guid isPermaLink="false">http://www.bankruptcy-cambridge.com/?p=21</guid>
		<description><![CDATA[Last month I discussed the advantages of filing a consumer proposal. A reader sent me an important question: what does it cost to file a consumer proposal? The answer is simple to say, but harder to calculate. The simple answer is that a consumer proposal will cost you more than a bankruptcy, because we must [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Should Cambridge residents consider a consumer proposal instead of bankruptcy?</title>
		<link>http://www.bankruptcy-cambridge.com/bankruptcy/2006/11/should-cambridge-residents-consider-a-consumer-proposal-instead-of-bankruptcy.html?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=should-cambridge-residents-consider-a-consumer-proposal-instead-of-bankruptcy</link>
		<comments>http://www.bankruptcy-cambridge.com/bankruptcy/2006/11/should-cambridge-residents-consider-a-consumer-proposal-instead-of-bankruptcy.html#comments</comments>
		<pubDate>Wed, 15 Nov 2006 19:06:00 +0000</pubDate>
		<dc:creator>Doug Hoyes</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>

		<guid isPermaLink="false">http://www.bankruptcy-cambridge.com/?p=20</guid>
		<description><![CDATA[Most people I meet with in our Cambridge, Ontario office (at 8 George Street North in downtown Galt, above the dentist&#8217;s office), ask me if a consumer proposal is better than bankruptcy. The answer depends on your situation. A proposal is a deal we negotiate with your creditors. For example, if you owe $50,000 on [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>For a fresh start during your bankruptcy in Cambridge, make your own coffee</title>
		<link>http://www.bankruptcy-cambridge.com/bankruptcy/2006/10/for-a-fresh-start-during-your-bankruptcy-in-cambridge-make-your-own-coffee.html?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=for-a-fresh-start-during-your-bankruptcy-in-cambridge-make-your-own-coffee</link>
		<comments>http://www.bankruptcy-cambridge.com/bankruptcy/2006/10/for-a-fresh-start-during-your-bankruptcy-in-cambridge-make-your-own-coffee.html#comments</comments>
		<pubDate>Fri, 20 Oct 2006 16:11:00 +0000</pubDate>
		<dc:creator>Doug Hoyes</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>

		<guid isPermaLink="false">http://www.bankruptcy-cambridge.com/?p=19</guid>
		<description><![CDATA[About two weeks ago I met with a man in our Cambridge bankruptcy office. I&#8217;m not going to share specific details of his situation since our consultations are confidential, but I will tell you that he had more debt than he could handle, and he didn&#8217;t know what to do. He needed a plan. We [...]]]></description>
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		<title>When my bankruptcy in Cambridge ends, will I ever be able to borrow again?</title>
		<link>http://www.bankruptcy-cambridge.com/bankruptcy/2006/09/when-my-bankruptcy-in-cambridge-ends-will-i-ever-be-able-to-borrow-again.html?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=when-my-bankruptcy-in-cambridge-ends-will-i-ever-be-able-to-borrow-again</link>
		<comments>http://www.bankruptcy-cambridge.com/bankruptcy/2006/09/when-my-bankruptcy-in-cambridge-ends-will-i-ever-be-able-to-borrow-again.html#comments</comments>
		<pubDate>Tue, 19 Sep 2006 23:41:00 +0000</pubDate>
		<dc:creator>Doug Hoyes</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>

		<guid isPermaLink="false">http://www.bankruptcy-cambridge.com/?p=18</guid>
		<description><![CDATA[Personal bankruptcy is designed to give you a fresh start. Once you are discharged from your bankruptcy, you are able to borrow again. (More information can be found in our article on What happens at the end of my Cambridge Bankruptcy?). Many residents of Cambridge, Ontario require a car to get to work, so being [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>How Do I Know If I Need To Go Bankrupt in Cambridge?</title>
		<link>http://www.bankruptcy-cambridge.com/bankruptcy/2006/08/how-do-i-know-if-i-need-to-go-bankrupt-in-cambridge.html?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=how-do-i-know-if-i-need-to-go-bankrupt-in-cambridge</link>
		<comments>http://www.bankruptcy-cambridge.com/bankruptcy/2006/08/how-do-i-know-if-i-need-to-go-bankrupt-in-cambridge.html#comments</comments>
		<pubDate>Fri, 25 Aug 2006 16:14:00 +0000</pubDate>
		<dc:creator>Doug Hoyes</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>

		<guid isPermaLink="false">http://www.bankruptcy-cambridge.com/?p=17</guid>
		<description><![CDATA[Each week I meet with a number of people in our Cambridge who ask me the same question: &#8220;I have a lot of debt; collection agents are calling; do I need to go bankrupt?&#8221; The answer depends on your individual circumstances, so for the answer for you, I suggest you give us a call, or [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Do High Gas Prices Lead to Bankruptcy in Cambridge, Ontario?</title>
		<link>http://www.bankruptcy-cambridge.com/bankruptcy/2006/07/do-high-gas-prices-lead-to-bankruptcy-in-cambridge-ontario.html?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=do-high-gas-prices-lead-to-bankruptcy-in-cambridge-ontario</link>
		<comments>http://www.bankruptcy-cambridge.com/bankruptcy/2006/07/do-high-gas-prices-lead-to-bankruptcy-in-cambridge-ontario.html#comments</comments>
		<pubDate>Sat, 08 Jul 2006 19:53:00 +0000</pubDate>
		<dc:creator>Doug Hoyes</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>

		<guid isPermaLink="false">http://www.bankruptcy-cambridge.com/?p=16</guid>
		<description><![CDATA[As the bankruptcy trustee responsible for the Hoyes Michalos personal bankruptcy office at 8 George Street North in Cambridge, Ontario, I constantly ask people &#8220;what was the cause of your financial problems?&#8221; Recently more and more Cambridge residents have told me that they were living close to the edge before, but with high prices of [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Credit Counselling in Cambridge, Ontario</title>
		<link>http://www.bankruptcy-cambridge.com/bankruptcy/2006/06/credit-counselling-in-cambridge-ontario.html?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=credit-counselling-in-cambridge-ontario</link>
		<comments>http://www.bankruptcy-cambridge.com/bankruptcy/2006/06/credit-counselling-in-cambridge-ontario.html#comments</comments>
		<pubDate>Fri, 23 Jun 2006 18:30:00 +0000</pubDate>
		<dc:creator>Doug Hoyes</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>

		<guid isPermaLink="false">http://www.bankruptcy-cambridge.com/?p=15</guid>
		<description><![CDATA[I had lunch today with Anthony Benedetto, a credit counsellor with the Catholic Family Counselling Centre (at Mellville&#8217;s Cafe, in case anyone is interested, because it&#8217;s a short walk from both of our Cambridge offices). Anthony is based out of Kitchener, but meets with clients in Cambridge, usually every Friday. Anthony and the Catholic Family [...]]]></description>
		<wfw:commentRss>http://www.bankruptcy-cambridge.com/bankruptcy/2006/06/credit-counselling-in-cambridge-ontario.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>I Can&#8217;t Find your Cambridge Bankruptcy Office!</title>
		<link>http://www.bankruptcy-cambridge.com/bankruptcy/2006/06/i-cant-find-your-cambridge-bankruptcy-office.html?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=i-cant-find-your-cambridge-bankruptcy-office</link>
		<comments>http://www.bankruptcy-cambridge.com/bankruptcy/2006/06/i-cant-find-your-cambridge-bankruptcy-office.html#comments</comments>
		<pubDate>Mon, 19 Jun 2006 15:43:00 +0000</pubDate>
		<dc:creator>Doug Hoyes</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>

		<guid isPermaLink="false">http://www.bankruptcy-cambridge.com/?p=14</guid>
		<description><![CDATA[At least once a week someone says to me &#8220;sorry I&#8217;m late, we had trouble finding your bankruptcy office here in Cambridge.&#8221; We have deliberately chosen a non-flashy office; we don&#8217;t have a big sign on the door that says Bankruptcy or Consumer Proposals, since in my experience most people don&#8217;t want everyone to know [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Consumer Proposals &#8211; Cambridge&#8217;s best kept secret alternative to bankruptcy</title>
		<link>http://www.bankruptcy-cambridge.com/bankruptcy/2006/06/consumer-proposals-cambridges-best-kept-secret-alternative-to-bankruptcy.html?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=consumer-proposals-cambridges-best-kept-secret-alternative-to-bankruptcy</link>
		<comments>http://www.bankruptcy-cambridge.com/bankruptcy/2006/06/consumer-proposals-cambridges-best-kept-secret-alternative-to-bankruptcy.html#comments</comments>
		<pubDate>Tue, 06 Jun 2006 00:41:00 +0000</pubDate>
		<dc:creator>Doug Hoyes</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>

		<guid isPermaLink="false">http://www.bankruptcy-cambridge.com/?p=13</guid>
		<description><![CDATA[Although you have found this blog entry on the bankruptcy-cambridge.com web site, I don&#8217;t want to talk about bankruptcy. When I meet with people in my Cambridge, Ontario office (on George Street in Galt), I always discuss a little known bankruptcy alternative called a consumer proposal. A consumer proposal is a deal that we negotiate [...]]]></description>
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