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	<title>Bankruptcy Cambridge &#187; Bankruptcy</title>
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	<link>http://www.bankruptcy-cambridge.com</link>
	<description>Bankruptcy, Consumer Proposals and Alternate Debt Solutions for Cambridge Ontario</description>
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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>
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		<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>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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		<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>
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		<slash:comments>0</slash:comments>
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		<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>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>5 Reasons why a Consumer Proposal is Better than Bankruptcy?</title>
		<link>http://www.bankruptcy-cambridge.com/bankruptcy/2011/09/why-is-a-consumer-proposal-better-than-bankruptcy.html?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=why-is-a-consumer-proposal-better-than-bankruptcy</link>
		<comments>http://www.bankruptcy-cambridge.com/bankruptcy/2011/09/why-is-a-consumer-proposal-better-than-bankruptcy.html#comments</comments>
		<pubDate>Fri, 09 Sep 2011 14:00:04 +0000</pubDate>
		<dc:creator>Howard Hayes</dc:creator>
				<category><![CDATA[Assets]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Consumer Proposal]]></category>
		<category><![CDATA[Credit Rating]]></category>
		<category><![CDATA[Budget]]></category>
		<category><![CDATA[Cambridge]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Free Consultation]]></category>
		<category><![CDATA[Keeping Assets]]></category>
		<category><![CDATA[Statistics]]></category>

		<guid isPermaLink="false">http://www.bankruptcy-cambridge.com/?p=789</guid>
		<description><![CDATA[Here are the top 5 reasons why: 1  -  In a consumer proposal you still have control of your assets. In a Bankruptcy you “assign” your assets to the trustee.  In a proposal, you remain in control.   &#160;  2  -  With a Consumer Proposal all the work is done at the beginning. It’s less complicated [...]]]></description>
		<wfw:commentRss>http://www.bankruptcy-cambridge.com/bankruptcy/2011/09/why-is-a-consumer-proposal-better-than-bankruptcy.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Why people in Cambridge care about how many people file Bankruptcies and Consumer Proposals?</title>
		<link>http://www.bankruptcy-cambridge.com/bankruptcy/2011/09/why-people-in-cambridge-care-about-how-many-people-file-bankruptcies-and-consumer-proposals.html?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=why-people-in-cambridge-care-about-how-many-people-file-bankruptcies-and-consumer-proposals</link>
		<comments>http://www.bankruptcy-cambridge.com/bankruptcy/2011/09/why-people-in-cambridge-care-about-how-many-people-file-bankruptcies-and-consumer-proposals.html#comments</comments>
		<pubDate>Wed, 07 Sep 2011 14:05:49 +0000</pubDate>
		<dc:creator>Howard Hayes</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Bankruptcy Cambridge]]></category>
		<category><![CDATA[Consumer Proposal]]></category>
		<category><![CDATA[Statistics]]></category>
		<category><![CDATA[Cambridge]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Free Consultation]]></category>
		<category><![CDATA[Never Too Late]]></category>

		<guid isPermaLink="false">http://www.bankruptcy-cambridge.com/?p=759</guid>
		<description><![CDATA[Despite the overall decline in insolvency filings compared to last year, it's interesting to see that thoe that are filing are finding a Consumer Proposal to be a better solution as a way to deal with debt problems

]]></description>
		<wfw:commentRss>http://www.bankruptcy-cambridge.com/bankruptcy/2011/09/why-people-in-cambridge-care-about-how-many-people-file-bankruptcies-and-consumer-proposals.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>10 reasons why you don&#8217;t want to buy a house</title>
		<link>http://www.bankruptcy-cambridge.com/bankruptcy/2011/08/10-reasons-why-you-dont-want-to-buy-a-house.html?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=10-reasons-why-you-dont-want-to-buy-a-house</link>
		<comments>http://www.bankruptcy-cambridge.com/bankruptcy/2011/08/10-reasons-why-you-dont-want-to-buy-a-house.html#comments</comments>
		<pubDate>Fri, 26 Aug 2011 16:52:48 +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 Rating]]></category>
		<category><![CDATA[Credit Repair]]></category>
		<category><![CDATA[Cambridge]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Free Consultation]]></category>
		<category><![CDATA[Never Too Late]]></category>

		<guid isPermaLink="false">http://www.bankruptcy-cambridge.com/?p=771</guid>
		<description><![CDATA[The decline in the housing market in Canada and the recent foreclosure crisis in the US has prompted more and more people to reconsider whether or not buying a house is a smart investment. Working in the bankruptcy industry here in Cambridge we meet with people everyday that either: want to surrender a house they [...]]]></description>
		<wfw:commentRss>http://www.bankruptcy-cambridge.com/bankruptcy/2011/08/10-reasons-why-you-dont-want-to-buy-a-house.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Can I include my student loan debt into Bankruptcy?</title>
		<link>http://www.bankruptcy-cambridge.com/bankruptcy/2011/08/can-i-include-my-student-loan-debt-into-bankruptcy.html?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=can-i-include-my-student-loan-debt-into-bankruptcy</link>
		<comments>http://www.bankruptcy-cambridge.com/bankruptcy/2011/08/can-i-include-my-student-loan-debt-into-bankruptcy.html#comments</comments>
		<pubDate>Tue, 02 Aug 2011 17:55:48 +0000</pubDate>
		<dc:creator>Howard Hayes</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Bankruptcy Cambridge]]></category>
		<category><![CDATA[Consumer Proposal]]></category>
		<category><![CDATA[Student Loans]]></category>
		<category><![CDATA[Free Consultation]]></category>
		<category><![CDATA[student loans]]></category>

		<guid isPermaLink="false">http://www.bankruptcy-cambridge.com/?p=747</guid>
		<description><![CDATA[Yes, it's possible to include a debt for a student loan into a bankruptcy, however there is a special rule to be careful of regarding student loans and bankruptcy.

]]></description>
		<wfw:commentRss>http://www.bankruptcy-cambridge.com/bankruptcy/2011/08/can-i-include-my-student-loan-debt-into-bankruptcy.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Inspired to deal with Debts</title>
		<link>http://www.bankruptcy-cambridge.com/bankruptcy/2011/07/inspired-to-deal-with-debts.html?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=inspired-to-deal-with-debts</link>
		<comments>http://www.bankruptcy-cambridge.com/bankruptcy/2011/07/inspired-to-deal-with-debts.html#comments</comments>
		<pubDate>Fri, 08 Jul 2011 17:14:35 +0000</pubDate>
		<dc:creator>Howard Hayes</dc:creator>
				<category><![CDATA[Assets]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Bankruptcy Cambridge]]></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[Cambridge]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Free Consultation]]></category>
		<category><![CDATA[Gail Vaz-Oxlade]]></category>
		<category><![CDATA[Keeping Assets]]></category>
		<category><![CDATA[Never Too Late]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Seniors]]></category>

		<guid isPermaLink="false">http://www.bankruptcy-cambridge.com/?p=731</guid>
		<description><![CDATA[Tina &#038; David took inspiration from Gail Vaz Oxlades book "Never Too Late".  Gail's book explores the concept that it's never too late to start making a plan for retirment. ]]></description>
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