I met with a married couple last week who told me that they were embarrassed about their debt problems, and they were worried that when they met with me I would judge them for their debt.
After our meeting they realized there was no need to worry, because I’m not a judge or jury. I'm not here to find fault. My job is to make a plan to help you with your debts, and that’s why Ted Michalos and I started Hoyes Michalos back in 1999. To help you make a plan.
I don't judge you because I haven't lived your life; no-one has (except you). I haven't suffered through your unique experience with job loss, marriage break up, medical problems, or whatever combination of circumstances has caused you to have more debt than you can handle. Sometimes, life happens.
My job is to assess your situation, explain all of your options, and then help you make a plan to deal with your debts. That's why Hoyes Michalos exists, and that's why I have trained all of our professionals to do the same: listen, and help you make a plan. (And that's why our phone number is 310-PLAN, and why we advertise that if you give us 30 minutes, we can explain how to be debt free: Debt Free in 30, It's That Simple).
I believe our approach works, and to prove it, every Wednesday we post a testimonial received from someone we have helped. These are unsolicited testimonials; we don't ask for them, or solicit them in any way. We simply invite the people we help to e-mail Ted and I with their thoughts. You can read all of them on the Hoyes Michalos Testimonials page.
Here's one I recently received from Angelo (not his real name), a 44 year old man who got into debt as a result of his separation. Here's what he said:
I think all in all it was a good experience. Not good that I had to go bankrupt, but good in a way that I was never made to feel inferior, stupid or what have you. It was a comfortable environment. I was happy I chose this firm. Thanks for all the help. It was appreciated.
As you can see, Angelo wasn't happy about having debt problems, but we treated him with respect, and he now has his fresh start. That's the plan: a fresh start. I'm glad we could help.