I was in debt for $116,000 after a bad marriage. My wife left me with a mortgage that I could not pay and I ended up in foreclosure. When I met with the trustee, they recommended that I go bankrupt but I didn’t want to listen or to just give up. I’m glad that I hired John and Jennifer to help me instead. They represented me and helped reduce my CMHC mortgage shortfall debt down to $22,000. I didn’t have to go bankrupt like the trustee recommended. My monthly payment is now $400 with NO interest! I am going be debt-free in less than 5 years! — Jason C.

I used to dread hearing the ring of my telephone. It felt like there was always a bill collector wanting money. Before I met Jennifer, I had $43,000 worth of debt. I tried for years to make it go away. The stress was always there day and night. Whenever I would make any money, it would always get gobbled by the debt. When I met with John and Jennifer, I was able to see a way to have a real solution. They were able to explain things to me in a meaningful way without me feeling like I was being dehumanized. I have spoken to other so-called “experts” in the past who had very little clue how the financial world worked. John and Jennifer knew the options and helped me choose what was best for me. I have met with many other “experts” who have an agenda of selling their product, which was not the best product for me. For example, I have a friend who declared bankruptcy over $6,000! The “expert” she talked to wanted to sell a bankruptcy. She was bullied into doing it so the “expert” could get the sale, no matter how bad it was for my friend. John and Jennifer will never do that. They are people of integrity and I would trust their advice again in the future. If you want your freedom back—call John and Jennifer! — R.M.

Before I called Jennifer I was up to my neck in debt. Not really understanding the true value of money and its worth made it very easy to rack up credit card debt. I got a second job and was struggling trying to pay over $700 monthly just making the minimum payments. After spending over a year stressed and tired from working 60 hours a week, I was referred to them by a friend. I explained my situation and they immediately took action! They took my debt from $32,000 to $9,600. My experience with Jennifer was amazing! She was very understandable and knowledgeable and was always available any time I had questions. Instead of paying over $700 per month towards my debt, I now pay $160. I’ve been able to quit my second job and actually start saving money. Doing a proposal with Jennifer’s help was the smartest choice I’ve made. — V.F.

From the very first phone call, I could tell immediately that John and Jennifer were highly professional, yet warm, engaging and genuinely interested in their clients’ needs. Through my experience with them I have been consistently impressed with their level of service and how specifically they tailored their scope of work to my particular needs. Before I met John and Jennifer I had interviewed two other financial consultants, and in comparison with them the others could not hold a candle, and I mean that very definitely. One of the service providers was clearly not client-focused, and the other one lacked knowledge. John and Jennifer met all of my needs including being client-focused and highly knowledgeable. On top of that, both John and Jennifer and their office manager Lily are genuinely pleasant people, and their personalities are well suited to the kind of business they are in, as- sisting people with debt management. This can be a stressful time for their clients, yet through it all they give their clients a sense of calm assuredness, which ensured I felt that I was being supported by people who truly cared. I highly recommend them! — K.G.

Before I met Jennifer, my husband and I had $ 5,000 worth of debt. I was so helpless and depressed, I couldn’t sleep well, I was feeling so stressed and my husband and I ended up fighting over how to pay our monthly bills. John and Jennifer helped us cut our debts, pay 0% interest and rebuild credit. Right now, I’m back to my old self: less stressed, financially and emotionally satisfied, and with much better budgeting skills. We can now start saving for a better future for our kids. To Jen and John— a million thanks! — S.Q. & M.Q.