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This is my story. I was laid off in 2009 and was off work for close to 11 months. I had burned through my saving and I was having difficulty maintaining my lifestyle. I soon realized I was hitting bottom and even with the income I was receiving from my new job I didn't have enough to stave off my creditors. I was at risk of losing my home and my car. Bankruptcy was not an option. I was searching on an Ontario government website where I found a link to 'cooperco.ca'. I made the call and with Cooper & Company's counsellors and Trustees I was able to put things back together without losing my car or my home. Legal insolvency is hardly ideal, but it is a way out with a light at the end of the tunnel if you choose to learn from your experience.

For 6 years we invested all of our financial, emotional and physical resources into supporting our business. When the recession hit and access to credit dried up, the impact of a drastic slowdown in sales hit us hard. As debt piled up and collection agency harassment became a daily strain, we decided to contact Cooper & Company for advice. What a relief! The staff was professional and easy to work with from the very beginning, listening to our concerns, answering our questions, and treating us with respect. The fact that someone understood our situation, offering options and solutions that we were unaware of, was extremely valuable. They helped us make the right decision toward a consumer proposal rather than bankruptcy. Once we reached an agreement, they took care of everything. This allowed us to relax and get our lives back on track.

Filing with Cooper & Co. stopped the garnishee on my wages and got me back my income. I am now on a budget that lets me pay off my debts at a reasonable pace and I can keep my house. Thanks to Cooper & Co. for getting me out of this mess!

I had just gone through an extremely messy and expensive divorce and found that my sole income was too little to sustain payments on my car and condo. My credit cards had been run up to try to stay afloat, and I had huge legal bills. I came to Cooper and Co. and they helped me do a consumer proposal I could afford and clear my debts and get on with my life. One payment, no interest. I would recommend Cooper & Co. to anyone. They take the time to listen, tell you your options and let you decide what the right way is.

Our lifestyle had become too expensive. Too many toys and use of credit – big house, big cars, lots of trips, two boys in traveling hockey – we had bitten off more than we could chew. Plenty of income but poor money management. Once the bills got too high we had to do something. We filed a consumer proposal each and we now pay much less per month in a single 0% interest payment than we did to support our minimum credit card payments. A big thanks to the folks at Cooper & Co.!

As a struggling single mom trying to run my own small business, I could no longer afford my lifestyle once my client base started dropping. I owed income taxes and GST from years of failing to file, and could not afford to pay it. Cooper & Co. got me into a Consumer Proposal with payments I could afford and now my collectors are off my back. I was able to avoid bankruptcy, my debts will be gone in under 3 years and I am able to sleep at night for the first time in a long time.