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	<title>Bankruptcy Cambridge: The Insider&#039;s View from Howard Hayes</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>How soon after bankruptcy can I get credit?</title>
		<link>http://www.bankruptcy-cambridge.com/bankruptcy/2012/04/credit-after-bankruptcy.html?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=credit-after-bankruptcy</link>
		<comments>http://www.bankruptcy-cambridge.com/bankruptcy/2012/04/credit-after-bankruptcy.html#comments</comments>
		<pubDate>Wed, 11 Apr 2012 19:41:00 +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 Cards]]></category>
		<category><![CDATA[Credit Counselling]]></category>
		<category><![CDATA[Credit Rating]]></category>
		<category><![CDATA[Credit Repair]]></category>
		<category><![CDATA[Debts]]></category>
		<category><![CDATA[Budget]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Debt cards]]></category>
		<category><![CDATA[Discharge]]></category>
		<category><![CDATA[equifax]]></category>
		<category><![CDATA[Free Consultation]]></category>
		<category><![CDATA[Local]]></category>
		<category><![CDATA[repair]]></category>
		<category><![CDATA[Security]]></category>
		<category><![CDATA[trans union]]></category>

		<guid isPermaLink="false">http://www.bankruptcy-cambridge.com/?p=18</guid>
		<description><![CDATA[There&#8217;s always something about this question that brings about a mixed feeling/response when I&#8217;m asked it during an initial consultation with someone that&#8217;s struggling to pay debts. On one hand, I&#8217;d like to thing that getting into debt again is the last thing on someones mind when they&#8217;re struggling with exisiting debts.  I can only [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>New Surplus Income Guidelines</title>
		<link>http://www.bankruptcy-cambridge.com/bankruptcy/2012/03/new-surplus-income-guidelines.html?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=new-surplus-income-guidelines</link>
		<comments>http://www.bankruptcy-cambridge.com/bankruptcy/2012/03/new-surplus-income-guidelines.html#comments</comments>
		<pubDate>Wed, 21 Mar 2012 19:07:59 +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>

		<guid isPermaLink="false">http://www.bankruptcy-cambridge.com/?p=1068</guid>
		<description><![CDATA[Every year the Office of the Superintendent of Bankruptcy publishes new Surplus Income guidelines and standards.  Here are the 2012 numbers.  They have increased slightly over last year. What do these numbers mean? The concept behind surplus income is this; during a bankruptcy, &#8220;the more you make, the more you have to pay&#8221;. Here is [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Online Gambling coming to Ontario</title>
		<link>http://www.bankruptcy-cambridge.com/bankruptcy/2012/03/online-gambling-coming-to-ontario.html?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=online-gambling-coming-to-ontario</link>
		<comments>http://www.bankruptcy-cambridge.com/bankruptcy/2012/03/online-gambling-coming-to-ontario.html#comments</comments>
		<pubDate>Tue, 13 Mar 2012 20:44:11 +0000</pubDate>
		<dc:creator>Howard Hayes</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Consumer Proposal]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Credit Counselling]]></category>
		<category><![CDATA[Debts]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Discharge]]></category>
		<category><![CDATA[Free Consultation]]></category>
		<category><![CDATA[Gambling]]></category>
		<category><![CDATA[government program]]></category>
		<category><![CDATA[Never Too Late]]></category>
		<category><![CDATA[OLG]]></category>
		<category><![CDATA[Online]]></category>
		<category><![CDATA[Settlement]]></category>
		<category><![CDATA[Statistics]]></category>

		<guid isPermaLink="false">http://www.bankruptcy-cambridge.com/?p=1062</guid>
		<description><![CDATA[It caught my eye yesterday that the Ontario government plans to move forward with plans to allow online gambling. So why talk about this on a bankruptcy blog? If you use someone else's money to pay for a gambling habit (ie, credit cards) it will carry with it special responsibilities if you end up in trouble and having to file a bankruptcy on those credit cards.
I'd hate to be sat here 5 years from now blogging about an increase in the number of bankruptcies being filed that were caused by gambling.  I doubt the bankruptcy courts will change their views on gambling with funds available on credit cards.  
]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>What do Payton Manning and Bankruptcy have in common?</title>
		<link>http://www.bankruptcy-cambridge.com/bankruptcy/2012/03/payton-manning-and-bankruptcy.html?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=payton-manning-and-bankruptcy</link>
		<comments>http://www.bankruptcy-cambridge.com/bankruptcy/2012/03/payton-manning-and-bankruptcy.html#comments</comments>
		<pubDate>Wed, 07 Mar 2012 20:12:06 +0000</pubDate>
		<dc:creator>Howard Hayes</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Bankruptcy Cambridge]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debts]]></category>
		<category><![CDATA[Cambridge]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[EBook]]></category>
		<category><![CDATA[Free Consultation]]></category>
		<category><![CDATA[Never Too Late]]></category>

		<guid isPermaLink="false">http://www.bankruptcy-cambridge.com/?p=1058</guid>
		<description><![CDATA[Not much probably, but I heard on the news today as I was driving to my Cambridge Office that the Indianapolis Colts are saying goodbye to Mr Manning after 14 years of service.  (Apparently this was a day before the Colts would have had to have paid him a 28 million dollar bonus if they kept him [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Consumer Proposals in Cambridge</title>
		<link>http://www.bankruptcy-cambridge.com/consumer-proposal/2012/03/consumer-proposals-in-cambridge.html?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=consumer-proposals-in-cambridge</link>
		<comments>http://www.bankruptcy-cambridge.com/consumer-proposal/2012/03/consumer-proposals-in-cambridge.html#comments</comments>
		<pubDate>Thu, 01 Mar 2012 16:58:28 +0000</pubDate>
		<dc:creator>Howard Hayes</dc:creator>
				<category><![CDATA[Bankruptcy Cambridge]]></category>
		<category><![CDATA[Collection Agents]]></category>
		<category><![CDATA[Consumer Proposal]]></category>
		<category><![CDATA[Credit Counselling]]></category>
		<category><![CDATA[AM570]]></category>
		<category><![CDATA[Ask The Experts]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[banks]]></category>
		<category><![CDATA[Cambridge]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[Credit Rating]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Debt Consultants]]></category>
		<category><![CDATA[Fees]]></category>
		<category><![CDATA[Free Consultation]]></category>
		<category><![CDATA[government program]]></category>
		<category><![CDATA[Kitchener]]></category>
		<category><![CDATA[Local]]></category>
		<category><![CDATA[Never Too Late]]></category>
		<category><![CDATA[Settlement]]></category>
		<category><![CDATA[Waterloo]]></category>

		<guid isPermaLink="false">http://www.bankruptcy-cambridge.com/?p=1050</guid>
		<description><![CDATA[If you listened to myself and Doug Hoyes on Jan 14th on radio talking about Consumer Proposals in Cambridge you&#8217;d have heard us mentioning that a Consumer Proposal is the only &#8220;government program&#8221; available to you that allows you to offer a settlement to your creditors to reduce the amount you owe. You can catch [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Have a plan to deal with your debts</title>
		<link>http://www.bankruptcy-cambridge.com/bankruptcy-cambridge/2012/02/have-a-plan-to-deal-with-your-debts.html?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=have-a-plan-to-deal-with-your-debts</link>
		<comments>http://www.bankruptcy-cambridge.com/bankruptcy-cambridge/2012/02/have-a-plan-to-deal-with-your-debts.html#comments</comments>
		<pubDate>Mon, 13 Feb 2012 15:25:13 +0000</pubDate>
		<dc:creator>Howard Hayes</dc:creator>
				<category><![CDATA[Bankruptcy Cambridge]]></category>
		<category><![CDATA[Budget]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Credit Repair]]></category>
		<category><![CDATA[Debts]]></category>
		<category><![CDATA[Cambridge]]></category>
		<category><![CDATA[Consumer Proposal]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[Credit Counselling]]></category>
		<category><![CDATA[Credit Rating]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[EBook]]></category>
		<category><![CDATA[Free Consultation]]></category>
		<category><![CDATA[Never Too Late]]></category>

		<guid isPermaLink="false">http://www.bankruptcy-cambridge.com/?p=1036</guid>
		<description><![CDATA[If I was teaching how to handle money and finances in school, my first piece of advice would be "Have a Plan".]]></description>
		<wfw:commentRss>http://www.bankruptcy-cambridge.com/bankruptcy-cambridge/2012/02/have-a-plan-to-deal-with-your-debts.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Is the recession over?</title>
		<link>http://www.bankruptcy-cambridge.com/consumer-proposal/2012/02/recession.html?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=recession</link>
		<comments>http://www.bankruptcy-cambridge.com/consumer-proposal/2012/02/recession.html#comments</comments>
		<pubDate>Tue, 07 Feb 2012 16:27:45 +0000</pubDate>
		<dc:creator>Howard Hayes</dc:creator>
				<category><![CDATA[Budget]]></category>
		<category><![CDATA[Consumer Proposal]]></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[Free Consultation]]></category>
		<category><![CDATA[Kitchener]]></category>

		<guid isPermaLink="false">http://www.bankruptcy-cambridge.com/?p=1019</guid>
		<description><![CDATA[Doug Hoyes &#038; I recently appeared on the AM570 "Ask The Experts" Show to talk about the state of the economy and whether or not people are recovering from the financial crisis that hit in 2008-2009.

The first question we were asked is "Is the recession over?"

]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<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>
		<wfw:commentRss>http://www.bankruptcy-cambridge.com/bankruptcy/2012/01/new-surplus-income-calculator.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<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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		<slash:comments>0</slash:comments>
		</item>
		<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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