That's a question I get a lot: if I file a consumer proposal or declare bankruptcy isn't that an admission of defeat? Doesn't that mean I've failed? I was asked that question on the radio, and here's my response:
My point: I'm interested in how you got into debt, but I'm more interested in how we can work together to eliminate your debt, and help you manage your money in the future.
At Hoyes Michalos we focus on tomorrow, not yesterday.