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	<title>Bankruptcy Cambridge &#187; Credit Counselling</title>
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	<description>Bankruptcy, Consumer Proposals and Alternate Debt Solutions for Cambridge Ontario</description>
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		<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>
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		<category><![CDATA[Debt]]></category>
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		<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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		<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>
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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>
		<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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		<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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		<slash:comments>0</slash:comments>
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		<item>
		<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>
		</item>
		<item>
		<title>What to expect at your first meeting with us</title>
		<link>http://www.bankruptcy-cambridge.com/bankruptcy/2011/02/what-to-expect-at-your-first-meeting-with-us.html?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=what-to-expect-at-your-first-meeting-with-us</link>
		<comments>http://www.bankruptcy-cambridge.com/bankruptcy/2011/02/what-to-expect-at-your-first-meeting-with-us.html#comments</comments>
		<pubDate>Wed, 02 Feb 2011 18:46:04 +0000</pubDate>
		<dc:creator>Howard Hayes</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Bankruptcy Cambridge]]></category>
		<category><![CDATA[Consumer Proposal]]></category>
		<category><![CDATA[Credit Counselling]]></category>
		<category><![CDATA[Cambridge]]></category>

		<guid isPermaLink="false">http://www.bankruptcy-cambridge.com/?p=574</guid>
		<description><![CDATA[One of our founding beliefs here at Hoyes, Michalos &#38; Associates  is that we pride ourselves on personal service.  In our Cambridge office we are usually available 5 days a week so getting a quick appointment to come in and see us for a free consultation is something we are gladly able to offer you.  When [...]]]></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>
		</item>
		<item>
		<title>Practical Christmas Gifts for a Budget</title>
		<link>http://www.bankruptcy-cambridge.com/consumer-proposal/2010/12/practical-christmas-gifts-for-a-budget.html?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=practical-christmas-gifts-for-a-budget</link>
		<comments>http://www.bankruptcy-cambridge.com/consumer-proposal/2010/12/practical-christmas-gifts-for-a-budget.html#comments</comments>
		<pubDate>Fri, 10 Dec 2010 15:13:01 +0000</pubDate>
		<dc:creator>Howard Hayes</dc:creator>
				<category><![CDATA[Bankruptcy Cambridge]]></category>
		<category><![CDATA[Consumer Proposal]]></category>
		<category><![CDATA[Credit Counselling]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Cambridge]]></category>

		<guid isPermaLink="false">http://www.bankruptcy-cambridge.com/?p=542</guid>
		<description><![CDATA[Its the time of year when we like to let those we care about know how special they are.  Most of us this year will be trawling the shopping malls looking for gift ideas for a loved one and we all like to give something nice. Our usual advice every time this year is to [...]]]></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>
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