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	<title>Comments for Bankruptcy Kitchener Blog by Scott Schaefer</title>
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	<description>Information about personal bankruptcy in Kitchener, Ontario, Canada</description>
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		<title>Comment on What is a Consumer Proposal? by Bankruptcy Kitchener Blog by Scott Schaefer &#187; Debts and Personal Finances 101</title>
		<link>http://www.bankruptcykitchener.org/consumer-proposals-a-kitchener-bankruptcy-alternative/comment-page-1/#comment-2099</link>
		<dc:creator>Bankruptcy Kitchener Blog by Scott Schaefer &#187; Debts and Personal Finances 101</dc:creator>
		<pubDate>Tue, 06 Mar 2012 18:53:41 +0000</pubDate>
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		<description>[...] Consumer Proposals [...]</description>
		<content:encoded><![CDATA[<p>[...] Consumer Proposals [...]</p>
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		<title>Comment on What is a Consumer Proposal? by Bankruptcy Kitchener Blog by Scott Schaefer &#187; Answering your questions on &#8220;Ask the Experts&#8221;</title>
		<link>http://www.bankruptcykitchener.org/consumer-proposals-a-kitchener-bankruptcy-alternative/comment-page-1/#comment-2096</link>
		<dc:creator>Bankruptcy Kitchener Blog by Scott Schaefer &#187; Answering your questions on &#8220;Ask the Experts&#8221;</dc:creator>
		<pubDate>Wed, 01 Feb 2012 01:49:40 +0000</pubDate>
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		<description>[...] Consumer Proposals [...]</description>
		<content:encoded><![CDATA[<p>[...] Consumer Proposals [...]</p>
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		<title>Comment on How much do we have to spend? Understanding Needs and Wants by Bankruptcy Kitchener Blog by Scott Schaefer &#187; My top 6 budget tips</title>
		<link>http://www.bankruptcykitchener.org/2010/01/18/how-much-do-we-have-to-spend-understanding-needs-and-wants/comment-page-1/#comment-2094</link>
		<dc:creator>Bankruptcy Kitchener Blog by Scott Schaefer &#187; My top 6 budget tips</dc:creator>
		<pubDate>Thu, 05 Jan 2012 21:02:25 +0000</pubDate>
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		<description>[...] 4. Understand your NEEDS versus WANTS: In order to stay on track and not overspend, you must ensure all the NEEDS are paid first. See my prior blog posting on Needs versus Wants concept. [...]</description>
		<content:encoded><![CDATA[<p>[...] 4. Understand your NEEDS versus WANTS: In order to stay on track and not overspend, you must ensure all the NEEDS are paid first. See my prior blog posting on Needs versus Wants concept. [...]</p>
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		<title>Comment on How to Contact Us by Bankruptcy Kitchener Blog by Scott Schaefer</title>
		<link>http://www.bankruptcykitchener.org/how-to-contact-us/comment-page-1/#comment-2054</link>
		<dc:creator>Bankruptcy Kitchener Blog by Scott Schaefer</dc:creator>
		<pubDate>Tue, 22 Nov 2011 02:39:42 +0000</pubDate>
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		<description>[...] Contact Us [...]</description>
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		<title>Comment on Cost of Bankruptcy in Kitchener – A discussion on “Surplus Income” by Explore the differences between a Consumer Proposal and a Personal Bankruptcy</title>
		<link>http://www.bankruptcykitchener.org/2011/03/15/cost-of-bankruptcy-in-kitchener-%e2%80%93-a-discussion-on-%e2%80%9csurplus-income%e2%80%9d/comment-page-1/#comment-2053</link>
		<dc:creator>Explore the differences between a Consumer Proposal and a Personal Bankruptcy</dc:creator>
		<pubDate>Mon, 21 Nov 2011 22:35:08 +0000</pubDate>
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		<description>[...] The Cost of Bankruptcy and Surplus Income (Scott Schaefer, Kitchener Office) [...]</description>
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		<title>Comment on About Bankruptcy Kitchener Waterloo by Consumer Proposal: A Real Life Example</title>
		<link>http://www.bankruptcykitchener.org/about/comment-page-1/#comment-1981</link>
		<dc:creator>Consumer Proposal: A Real Life Example</dc:creator>
		<pubDate>Fri, 07 Oct 2011 09:35:22 +0000</pubDate>
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		<description>[...] the advantages of a consumer proposal.  Today we present a real life example, courtesy of Scott Schaefer, CA, Bankruptcy Trustee and Consumer Proposal Administrator in Kitchener, Ontario.  You can read the full story in his article on What is a Consumer Proposal? for more information. [...]</description>
		<content:encoded><![CDATA[<p>[...] the advantages of a consumer proposal.  Today we present a real life example, courtesy of Scott Schaefer, CA, Bankruptcy Trustee and Consumer Proposal Administrator in Kitchener, Ontario.  You can read the full story in his article on What is a Consumer Proposal? for more information. [...]</p>
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		<title>Comment on What is a Consumer Proposal? by Bankruptcy Kitchener Blog by Scott Schaefer &#187; The Cost of Filing a Consumer Proposal in Kitchener Waterloo</title>
		<link>http://www.bankruptcykitchener.org/consumer-proposals-a-kitchener-bankruptcy-alternative/comment-page-1/#comment-1980</link>
		<dc:creator>Bankruptcy Kitchener Blog by Scott Schaefer &#187; The Cost of Filing a Consumer Proposal in Kitchener Waterloo</dc:creator>
		<pubDate>Thu, 06 Oct 2011 21:27:01 +0000</pubDate>
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		<description>[...] Consumer Proposals [...]</description>
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		<title>Comment on What is a Consumer Proposal? by Bankruptcy Kitchener Blog by Scott Schaefer &#187; Advantages of a Consumer Proposal</title>
		<link>http://www.bankruptcykitchener.org/consumer-proposals-a-kitchener-bankruptcy-alternative/comment-page-1/#comment-1979</link>
		<dc:creator>Bankruptcy Kitchener Blog by Scott Schaefer &#187; Advantages of a Consumer Proposal</dc:creator>
		<pubDate>Mon, 03 Oct 2011 01:29:19 +0000</pubDate>
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		<description>[...] Consumer Proposals [...]</description>
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		<title>Comment on What is a Consumer Proposal? by Bankruptcy Kitchener Blog by Scott Schaefer &#187; What is a Consumer Proposal? And why is it on a Bankruptcy Kitchener blog website?</title>
		<link>http://www.bankruptcykitchener.org/consumer-proposals-a-kitchener-bankruptcy-alternative/comment-page-1/#comment-1977</link>
		<dc:creator>Bankruptcy Kitchener Blog by Scott Schaefer &#187; What is a Consumer Proposal? And why is it on a Bankruptcy Kitchener blog website?</dc:creator>
		<pubDate>Wed, 14 Sep 2011 01:28:56 +0000</pubDate>
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		<title>Comment on How to Find Our Kitchener Bankruptcy Office by Bankruptcy Kitchener Blog by Scott Schaefer &#187; What is a Consumer Proposal? And why is it on a Bankruptcy Kitchener blog website?</title>
		<link>http://www.bankruptcykitchener.org/how-to-find-our-kitchener-bankruptcy-office/comment-page-1/#comment-1976</link>
		<dc:creator>Bankruptcy Kitchener Blog by Scott Schaefer &#187; What is a Consumer Proposal? And why is it on a Bankruptcy Kitchener blog website?</dc:creator>
		<pubDate>Wed, 14 Sep 2011 01:28:40 +0000</pubDate>
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