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[Music] [Music] welcome to debt free and 30 the show where every week he takes 30 minutes and talk to industry experts about debt money and personal finance Im Doug boys normally the last debt-free and 30 show every month is a frequently asked questions show but we found that we have so many questions that our listeners want answered that Ive decided that for the month of July all well do is answer your most frequently asked questions to help me do that Ive asked my Hoys michaelis trustees to join me on the show and today Im joined by a first-time guest on the show so lets get started who are you where do you work in what do you do all right Doug thanks for coming to London my name is Joel sandwich I am a bankruptcy trustee and an administrator of consumer proposals in our London and Sarnia offices well thanks for agreeing to be here today Joel and yes you were right we are recording this in your office in beautiful downtown London Ontario before we get to the questions youve