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We were very hesitant to phone a Licensed Insolvency Trustee. When we met with Mr. Gabbay, he patiently and compassionately took the time to explain all of the options available to us. Without pressuring us, he recommended a consumer proposal; he even told us to take the time to think things over. We left his office with a sense of relief as if a weight had been lifted off our shoulders. In fact, our only regret at that moment was not having contacted him earlier. The proposal was accepted and we were able to take back control of our lives. What a relief!
S. & P.

My financial struggles were starting to have negative effects on my job and my marriage. From the first meeting with Mr. Gabbay, I knew I had made the right decision. He really took the time to listen to my problems and explain all the options available to me, which surprised me because I didn’t think there were so many solutions available. He recommended bankruptcy and explained why it was the best option…I already felt so much better. Everything went off exactly as he had said. Today, I am free of debt and I ask myself why I didn’t consult him earlier.