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	<title>Bankruptcy Cambridge &#187; Consumer Proposal</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>
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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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		<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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		<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>
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		<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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		<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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		<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>
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		<slash:comments>0</slash:comments>
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		<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>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Why is a Consumer Proposal Better than bankruptcy?</title>
		<link>http://www.bankruptcy-cambridge.com/consumer-proposal/2011/09/why-is-a-consumer-proposal-better-than-bankruptcy-2.html?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=why-is-a-consumer-proposal-better-than-bankruptcy-2</link>
		<comments>http://www.bankruptcy-cambridge.com/consumer-proposal/2011/09/why-is-a-consumer-proposal-better-than-bankruptcy-2.html#comments</comments>
		<pubDate>Mon, 19 Sep 2011 13:30:43 +0000</pubDate>
		<dc:creator>Howard Hayes</dc:creator>
				<category><![CDATA[Budget]]></category>
		<category><![CDATA[Consumer Proposal]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Cambridge]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Free Consultation]]></category>
		<category><![CDATA[Keeping Assets]]></category>

		<guid isPermaLink="false">http://www.bankruptcy-cambridge.com/?p=816</guid>
		<description><![CDATA[Here is a recent example of how a Consumer Proposal was a better choice for someone to deal with their debts than a bankruptcy:

]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What is a Consumer Proposal?</title>
		<link>http://www.bankruptcy-cambridge.com/consumer-proposal/2011/09/what-is-a-consumer-proposal.html?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=what-is-a-consumer-proposal</link>
		<comments>http://www.bankruptcy-cambridge.com/consumer-proposal/2011/09/what-is-a-consumer-proposal.html#comments</comments>
		<pubDate>Mon, 12 Sep 2011 13:00:47 +0000</pubDate>
		<dc:creator>Howard Hayes</dc:creator>
				<category><![CDATA[Consumer Proposal]]></category>
		<category><![CDATA[Budget]]></category>
		<category><![CDATA[Cambridge]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Free Consultation]]></category>

		<guid isPermaLink="false">http://www.bankruptcy-cambridge.com/?p=784</guid>
		<description><![CDATA[A consumer proposal is a settlement that is made with your creditors (the people you owe money to) that you can pay over a period of time. 

]]></description>
		<wfw:commentRss>http://www.bankruptcy-cambridge.com/consumer-proposal/2011/09/what-is-a-consumer-proposal.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>
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		<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>
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