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	<title>Bankruptcy Kitchener Blog by Scott Schaefer</title>
	<link>http://www.bankruptcykitchener.org</link>
	<description>Information about personal bankruptcy in Kitchener, Ontario, Canada</description>
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		<title>Answering your questions on &#8220;Ask the Experts&#8221;</title>
		<description><![CDATA[Are you struggling to make ends meet for you and your family? Do you lose sleep worrying about how you are going to manage your debt? Understand that you are not alone. Many people in Kitchener-Waterloo have seen the same financial ups and downs for plenty of different reasons and as a result, our phones [...]]]></description>
		<link>http://www.bankruptcykitchener.org/2012/01/31/answering-your-questions-on-ask-the-experts/</link>
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		<title>My top 6 budget tips</title>
		<description><![CDATA[Some of the most popular resolutions each year are to “Budget” or to “Save Money”. The two of these go hand in hand, unless you make a lot more than your expenses, in which case, saving money could be easier. For the rest of us, we need to understand all of our cash outflows, in [...]]]></description>
		<link>http://www.bankruptcykitchener.org/2012/01/05/my-top-6-budget-tips/</link>
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		<title>Understanding your options through videos</title>
		<description><![CDATA[Debt Consolidation, Debt Management Plans, Consumer Proposals and Personal Bankruptcy – you may have heard about them before, but do you really understand how they work? In my Kitchener office, I have met with thousands of people from the Waterloo Region who have tried all of these solutions. What may work for one, may not [...]]]></description>
		<link>http://www.bankruptcykitchener.org/2011/11/21/743/</link>
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		<title>The Cost of Filing a Consumer Proposal in Kitchener Waterloo</title>
		<description><![CDATA[Change. Ok, there are no direct costs to file a consumer proposal. As an administrator of the consumer proposal, we are paid via a government tariff – tariff is a fancy word the government uses that means “ to be paid from the amount offered to the creditors”. That way, the trustee remains independent and [...]]]></description>
		<link>http://www.bankruptcykitchener.org/2011/10/06/the-cost-of-filing-a-consumer-proposal-in-kitchener-waterloo/</link>
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		<title>Advantages of a Consumer Proposal</title>
		<description><![CDATA[Today I met with Jack and Samantha (as always, names are changed) for their second credit counselling session. It struck me right off that their appearance today was relaxed and content – much different than when I had met with them for the first time 6 months ago. At our first meeting I learned that [...]]]></description>
		<link>http://www.bankruptcykitchener.org/2011/09/30/advantages-of-a-consumer-proposal/</link>
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		<title>Debt Myths Exposed in Kitchener Waterloo</title>
		<description><![CDATA[Do you have questions about debts? Do you want to understand your options? Do you want to know about debt consultants and why they charge money to see them? Do you want to know about what a trustee in bankruptcy does? Do you want to learn more about personal debts? If you answered yes to [...]]]></description>
		<link>http://www.bankruptcykitchener.org/2011/09/22/debt-myths-exposed-in-kitchener-waterloo/</link>
			</item>
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		<title>What is a Consumer Proposal? And why is it on a Bankruptcy Kitchener blog website?</title>
		<description><![CDATA[Today in my Kitchener office, I filed a consumer proposal for a couple from Waterloo. I first met with Joe and Jane (names have been changed) in the summer. They were struggling to keep up with their monthly debt requirements and all their monthly living expenses. They were exploring their options as they felt they [...]]]></description>
		<link>http://www.bankruptcykitchener.org/2011/09/13/what-is-a-consumer-proposal-and-why-is-it-on-a-bankruptcy-kitchener-blog-website/</link>
			</item>
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		<title>Consumer Proposals in Kitchener Waterloo on the rise</title>
		<description><![CDATA[Sally (not her real name of course) was in to see me last week to discuss her options. She was emotional while she was sitting talking to me about her current situation. Sally was working for a company in Kitchener until 2009 when she was laid off after 11 years of employment as a result [...]]]></description>
		<link>http://www.bankruptcykitchener.org/2011/09/07/consumer-proposals-in-kitchener-waterloo-on-the-rise/</link>
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		<title>Back to school shopping advice by credit counsellor Amie Carroll</title>
		<description><![CDATA[Amie Carroll, one of my Kitchener office credit counsellors provided me with this blog for last minute back to school shopping advice. Back to school season is in full swing and the kids will be back to the classroom next week. For many, this can be a hectic and expensive time of year, but saving [...]]]></description>
		<link>http://www.bankruptcykitchener.org/2011/09/02/back-to-school-shopping-advice-by-credit-counsellor-amie-carroll/</link>
			</item>
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		<title>What does a meeting with a Trustee in Bankruptcy mean?</title>
		<description><![CDATA[Earlier this week in my Kitchener office, I met with Jane and Tom (for privacy reasons, I have changed their names). Jane and Tom were referred by a family member who had previously filed a bankruptcy with me. They were very nervous and concerned about meeting a “trustee in bankruptcy” but knew that the meeting [...]]]></description>
		<link>http://www.bankruptcykitchener.org/2011/08/25/what-does-a-meeting-with-a-trustee-in-bankruptcy-mean/</link>
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