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	<title>Norma's Bankruptcy London Ontario Blog</title>
	<link>http://www.bankruptcy-london.ca</link>
	<description>Bankruptcy London Blog</description>
	<lastBuildDate>Thu, 01 Dec 2011 14:28:22 +0000</lastBuildDate>
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		<title>Who can we trust when we are in financial difficulties?</title>
		<description><![CDATA[If you have been following our company websites, you will know that the last couple of weeks we have been providing information on Debt Consultants. Last week I had the opportunity to hear one of those types of firms do a presentation to a business group that I belong to.  It was a very interesting [...]]]></description>
		<link>http://www.bankruptcy-london.ca/2011/10/26/who-can-we-trust-when-we-are-in-financial-difficulties/</link>
			</item>
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		<title>NORMA’S CONSUMER PROPOSAL CHECKLIST</title>
		<description><![CDATA[In my last blog I talked about someone who was probably going to file a bankruptcy but then who might do a proposal.  What are the items that I check off if I feel someone is better suited for a proposal? Here are features I look for: -          A bankruptcy would cost more than the [...]]]></description>
		<link>http://www.bankruptcy-london.ca/2011/09/29/norma%e2%80%99s-consumer-proposal-checklist/</link>
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		<title>“THEY TOLD ME IF I FILED FOR BANKRUPTCY &#8230;.”</title>
		<description><![CDATA[In March of this year, I was part of a presentation to various people in our Sarnia area office called “Options Besides Bankruptcy and Other Myth-Busters”.  In that presentation my fellow presenters and I talked about the various “things” people hear when they are thinking of filing for bankruptcy, most of which are probably not [...]]]></description>
		<link>http://www.bankruptcy-london.ca/2011/09/21/%e2%80%9cthey-told-me-if-i-filed-for-bankruptcy-%e2%80%9d/</link>
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		<title>CONSUMER PROPOSAL OR BANKRUPTCY – WHICH SHOUL D I DO?</title>
		<description><![CDATA[I normally follow the same procedure when I meet with people to review their financial situation.  But sometimes people who I see already have their minds made up.  That is not necessarily a bad thing but sometimes they don’t know or understand all the other options available. My first job is to make sure I [...]]]></description>
		<link>http://www.bankruptcy-london.ca/2011/09/21/consumer-proposal-or-bankruptcy-%e2%80%93-which-shoul-d-i-do/</link>
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		<title>What really is a Consumer Proposal?</title>
		<description><![CDATA[Today I met a person who had reviewed our website and after talking to one of our professionals was coming in for a free consultation expecting to do a consumer proposal.  After reviewing his situation it turned out he was a much better candidate for a Debt Management Plan.  But even after talking with us [...]]]></description>
		<link>http://www.bankruptcy-london.ca/2011/09/14/what-really-is-a-consumer-proposal/</link>
			</item>
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		<title>ARE THE NUMBER OF PEOPLE FILING FOR BANKRUPTCY IN LONDON AND AREA FINALLY COMING DOWN?</title>
		<description><![CDATA[The Office of the Superintendent of Bankruptcy just released its numbers for the first six months of 2011 and it appears in London and the surrounding area, the number of bankruptcies filed is down 9% from 2010.  Is this good news?  Are people not in as much financial trouble?  Will trustees be finding themselves out [...]]]></description>
		<link>http://www.bankruptcy-london.ca/2011/09/07/are-the-number-of-people-filing-for-bankruptcy-in-london-and-area-finally-coming-down/</link>
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		<title>Consumer Proposals Instead of Debt Consolidation</title>
		<description><![CDATA[A lot of people who contact our offices in the London area are looking for consolidation loans or debt consolidation.  They are often reluctant to even listen to another option such as bankruptcy or proposals.  Once though they have heard about the “other” options, many choose a proposal to help solve their financial problems. What [...]]]></description>
		<link>http://www.bankruptcy-london.ca/2011/07/07/consumer-proposals-instead-of-debt-consolidation/</link>
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		<title>What to do about those creditor calls and other things I have learned from people who have filed consumer proposals with me in London.</title>
		<description><![CDATA[Just recently I met with someone who filed a consumer proposal with our firm. He was signing an amendment to his proposal on terms that one of his creditors had indicated they would accept. While preparing myself for the meeting I found it interesting to note that the creditor had filed a proof of claim [...]]]></description>
		<link>http://www.bankruptcy-london.ca/2010/11/02/what-to-do-about-those-creditor-calls-and-other-things-i-have-learned-from-people-who-have-filed-consumer-proposals-with-me-in-london/</link>
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		<title>My Tax Refund, and My Debt</title>
		<description><![CDATA[A very small article in the London Free Press a few weeks ago caught my eye. It indicated that according to a poll conducted by BMO Nesbitt Burns, this year almost half of Canadians who receive a tax refund plan on using it to pay down credit card or other debts. Almost half of Canadians [...]]]></description>
		<link>http://www.bankruptcy-london.ca/2010/05/11/my-tax-refund-and-my-debt/</link>
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		<title>Pay Day Loans are NOT the Solution to your Money Problems</title>
		<description><![CDATA[Pay day loans are NOT the solution to your money problems.]]></description>
		<link>http://www.bankruptcy-london.ca/2010/01/27/pay-day-loans-are-not-the-solution-to-your-money-problems/</link>
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