So glad my creditors accepted my proposal

Violet R. (not her real name), widowed, 57 years old, $116,830 in debt, Brampton,Ontario

Dear Ted/Doug:

I am very grateful to you for meeting and educating me on the consumer proposal process.  It was scary but I am so glad that my creditors accepted the proposal.  Please convey all my thanks and appreciate to the team at Hoyes Michalos.  I have also completed one counselling session with Amie.

Everyone that I made contact with at your firm was terrific in advice and accommodation and I thank you and your team for helping me avoid bankruptcy.

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