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	<title>Bankruptcy Cambridge &#187; Collection Agents</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>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>
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		<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>
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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>
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		<category><![CDATA[Cambridge]]></category>
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		<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>
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		<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>
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		<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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		<slash:comments>0</slash:comments>
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		<title>Get a fresh start with your credit rating</title>
		<link>http://www.bankruptcy-cambridge.com/bankruptcy/2011/06/get-a-fresh-start-with-your-credit-rating.html?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=get-a-fresh-start-with-your-credit-rating</link>
		<comments>http://www.bankruptcy-cambridge.com/bankruptcy/2011/06/get-a-fresh-start-with-your-credit-rating.html#comments</comments>
		<pubDate>Mon, 13 Jun 2011 19:31:28 +0000</pubDate>
		<dc:creator>Howard Hayes</dc:creator>
				<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[repair]]></category>
		<category><![CDATA[Security]]></category>

		<guid isPermaLink="false">http://www.bankruptcy-cambridge.com/?p=721</guid>
		<description><![CDATA[Rebuilding your credit takes hard work, dedication and money management skills - but the rewards can be there in the end!]]></description>
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		<title>Top 10 Sign&#8217;s You Have Too Much Debt</title>
		<link>http://www.bankruptcy-cambridge.com/bankruptcy/2011/06/top-10-signs-you-have-too-much-debt.html?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=top-10-signs-you-have-too-much-debt</link>
		<comments>http://www.bankruptcy-cambridge.com/bankruptcy/2011/06/top-10-signs-you-have-too-much-debt.html#comments</comments>
		<pubDate>Thu, 09 Jun 2011 21:24:36 +0000</pubDate>
		<dc:creator>Howard Hayes</dc:creator>
				<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[Cambridge]]></category>
		<category><![CDATA[Debt]]></category>

		<guid isPermaLink="false">http://www.bankruptcy-cambridge.com/?p=717</guid>
		<description><![CDATA[One of the biggest misconceptions with being able to manage a debt load is not the amount of debt you have - it's your ability to be able to repay it.
]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Judgments, Liens, Writs &amp; Execution Creditors</title>
		<link>http://www.bankruptcy-cambridge.com/bankruptcy/2011/05/judgments-liens-writs-execution-creditors.html?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=judgments-liens-writs-execution-creditors</link>
		<comments>http://www.bankruptcy-cambridge.com/bankruptcy/2011/05/judgments-liens-writs-execution-creditors.html#comments</comments>
		<pubDate>Thu, 19 May 2011 17:49:48 +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[Cambridge]]></category>
		<category><![CDATA[Execution]]></category>
		<category><![CDATA[Judgment]]></category>
		<category><![CDATA[Lien]]></category>
		<category><![CDATA[Security]]></category>

		<guid isPermaLink="false">http://www.bankruptcy-cambridge.com/?p=713</guid>
		<description><![CDATA[If you’re trying to cope with a debt problem and payments are getting behind, these legal expressions are terms you may have come across and are wondering what they mean. What is a judgment? In its simplest form, a judgment is the decision of a court.  If a creditor obtains a judgment against you for [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>New Year, New Start</title>
		<link>http://www.bankruptcy-cambridge.com/bankruptcy/2011/01/new-year-new-start.html?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=new-year-new-start</link>
		<comments>http://www.bankruptcy-cambridge.com/bankruptcy/2011/01/new-year-new-start.html#comments</comments>
		<pubDate>Fri, 07 Jan 2011 14:13:52 +0000</pubDate>
		<dc:creator>Howard Hayes</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Bankruptcy Cambridge]]></category>
		<category><![CDATA[Collection Agents]]></category>
		<category><![CDATA[Consumer Proposal]]></category>
		<category><![CDATA[Credit Counselling]]></category>

		<guid isPermaLink="false">http://www.bankruptcy-cambridge.com/?p=556</guid>
		<description><![CDATA[As we make our new year resolutions one subject many of us always look at making a resolution over is our finances.  Its never a bad time to start a budget or to look at tightening the purse strings, but the new year always provides a time to reflect on new hopes and new plans [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>When debts go bad &#8211; Part 2</title>
		<link>http://www.bankruptcy-cambridge.com/bankruptcy/2010/11/when-debts-go-bad-part-2.html?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=when-debts-go-bad-part-2</link>
		<comments>http://www.bankruptcy-cambridge.com/bankruptcy/2010/11/when-debts-go-bad-part-2.html#comments</comments>
		<pubDate>Thu, 11 Nov 2010 03:36:20 +0000</pubDate>
		<dc:creator>Howard Hayes</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Collection Agents]]></category>
		<category><![CDATA[Consumer Proposal]]></category>
		<category><![CDATA[Credit Counselling]]></category>
		<category><![CDATA[Cambridge]]></category>

		<guid isPermaLink="false">http://www.bankruptcy-cambridge.com/?p=509</guid>
		<description><![CDATA[This weeks blog, the 2nd in a two part series looks at the rising amount of Consumer Debt rising in Canada over the last 10 years and how more and more we&#8217;re seeing different solutions being offered by different companies to help you with a rising debt load. Last weeks blog focused on the steps the lenders take [...]]]></description>
		<wfw:commentRss>http://www.bankruptcy-cambridge.com/bankruptcy/2010/11/when-debts-go-bad-part-2.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Collectors Calling in Cambridge, Ontario</title>
		<link>http://www.bankruptcy-cambridge.com/consumer-proposal/2010/08/collectors-calling-in-cambridge-ontario.html?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=collectors-calling-in-cambridge-ontario</link>
		<comments>http://www.bankruptcy-cambridge.com/consumer-proposal/2010/08/collectors-calling-in-cambridge-ontario.html#comments</comments>
		<pubDate>Mon, 30 Aug 2010 12:53:16 +0000</pubDate>
		<dc:creator>Howard Hayes</dc:creator>
				<category><![CDATA[Bankruptcy Cambridge]]></category>
		<category><![CDATA[Collection Agents]]></category>
		<category><![CDATA[Consumer Proposal]]></category>

		<guid isPermaLink="false">http://www.bankruptcy-cambridge.com/?p=447</guid>
		<description><![CDATA[Many of the people we talk to have had at least one of their debts put into collections.  It is not a pleasant experience. If a lender’s efforts to recover a debt are not successful, they often hire a third party collection agency to try to recover their money. A piece of advice we always [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Should I just ignore creditors that call me?</title>
		<link>http://www.bankruptcy-cambridge.com/bankruptcy/2010/06/should-i-just-ignore-creditors-that-call-me.html?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=should-i-just-ignore-creditors-that-call-me</link>
		<comments>http://www.bankruptcy-cambridge.com/bankruptcy/2010/06/should-i-just-ignore-creditors-that-call-me.html#comments</comments>
		<pubDate>Wed, 30 Jun 2010 14:50:22 +0000</pubDate>
		<dc:creator>Howard Hayes</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Collection Agents]]></category>
		<category><![CDATA[Consumer Proposal]]></category>

		<guid isPermaLink="false">http://www.bankruptcy-cambridge.com/?p=372</guid>
		<description><![CDATA[It is no secret that collection calls are annoying, frustrating and even scary.  Getting phone calls all the time from people asking for money that you cannot pay can definitely make you never want to pick up the phone again!  A lot of people think that if they simply ignore all the calls for a [...]]]></description>
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