I was heavy with guilt

Joan T. (not her real name), divorced, 67 years old, $29,300 in debt, London,Ontario

I’m 67 years old – and this is the first time I’ve every faced a situation such as this.

I was heavy with guilt until I met with your representative in London, Ontario and my options were pointed out to me and with the guidance I received I made the decision and I haven’t regretted it at all.

Your whole team was great! And I would definitely recommend this option to my friends and family if they faced a situation where Hoyes & Michalos can assist.

I think the whole process for me has been a good one and I’ve learned so much as well.

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  5. Thank you for the Fresh Start!

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