My only regret was that I didn't seek help sooner

Greta W. (not her real name), single, 63 years old, $32,200 in debt, Scarborough, Ontario

I was very nervous when I hit the send button after filling in my details on your hoyes.com website. I received a very timely response.

I waited about a week before booking my appointment. I was so apprehensive because everything I read seemed too good to be true. I feared I would be rejected. I was so stressed out because of my financial situation, I felt like such a loser. I felt ashamed that I was unable to meet my obligations.

I met with William at your Scarborough office - what a wonderful man. He set my mind at ease and made the process so easy, explaining the differences between debt consolidation, bankruptcy and consumer proposals, so at the end I could make an informed decision.

He went over the application and made sure I understood exactly how to fill out all the forms. When our appointment ended I was booked for my next appointment and I left with my self-respect and dignity restored. At my next appointment you reviewed my application with me and made sure all my documents were in order. Once again, I was reassured me that I shouldn't feel ashamed - that I was a good person just going through a bad time.

My final appointment was with Benny and again it was another great experience. My only regret was that I didn't seek help sooner. I wasn't expecting such a positive experience. I am finally able to sleep again. I had my first credit counselling session and have booked my second one.

I can't think of anything negative to tell you. You have a great team at the Scarborough office. If anyone confided in me that they were struggling financially I would highly recommend your firm.

There were no hidden costs and at the end of my first meeting I knew exactly what I would be paying every month; there were no surprises at the end and no upfront fees. Thank-you so much for forming this company and helping people like me. I can only imagine what a great company you would be to work for.