December 15, ...

Bill McCulloch & Associates Inc.

December 26th marks the discharge date of our bankruptcy and I wanted to take a moment and say thank you.

Knowing in our hearts that bankruptcy was our only option and picking up the phone to talk about that decision was two entirely different things. Your firm was not the first that I called, but it should have been. When I hung up the phone from the first call, I felt worse than before I had made it. The person I spoke to made me feel ashamed, embarrassed and spoke to me like I was “beneath” her time. One of my biggest worries was being able to keep our home – I didn’t want our children to suffer for our bad choices. I was told, from the first call, that keeping my home was more than likely not an option. I hung up and broke down. As I went to put the phone book away, I quickly flipped through the listings and I happened upon your ad – I called.

I spoke directly with Mr. McCulloch on that first call and when I hung up, I felt something that I hadn’t felt in over two years…hope. I didn’t feel ashamed after hanging up, I didn’t feel embarrassed, nor did he speak to me like I was worst than a common criminal. He spoke to me like someone who wanted to help. That same attitude, I felt from each and every person I had contact with. And,…we are still in our home.

We have been able to use our bankruptcy as a second chance to re-group. My husband was also able to stop working 3 jobs (that not only took him away too much of the time, but also didn’t cover the bills) and focus on building his business. Now he does something he loves, and has had the time to build it into something that can support our family.

Our children are happier because their parents are happy. Our house is no longer filled with fights over money (or the lack of) or sleepless nights worrying about bills and debt. We have been able to change our lives and our childrens’ lives for the better.

We have learned what spending habits got us into trouble and how to avoid these traps in the future. Don Jackshaw counselled us on how to make a plan and how to spend within our means. We will now have the chance to put some money into savings for our children’s education – something that we could never do before.
Thank you. Thank you for being the type of company that treats people with respect and dignity.

Merry Christmas to all and the best in the New Year.