Case Studies

Please Note: All stories are true but names, images and places are not real.

Case Study #5637

When a client came in for DEBT PROBLEMS at GTA CREDIT SOLUTIONS, I explained what we do, and how secure they are when they visit GTA CREDIT Solutions for financial advice and client asked me difference between GTA CREDIT and  TRUSTEE IN BANKRUPTCY, I explained and told the client- Its totally up to you to decide, after the first meeting.

She owes significant amount of personal debts and business debts [hst, back taxes]. However she hasn't done her taxes for the last 3,4 years. And also she had been missed a mortgage payment as well.
When she came to see me, I assessed her situation.

I explained her what might have happened if she had gone to see TRUSTEE IN BANKRUPTCY DIRCTLY.
And told her to file the taxes. She had been misguided by the different accountants and she had been paying them about $1,000/- something for filing taxes. I went one step further and decided to give them our accountant info, since I knew that they are the best. She went there and paid a decent amount & highly appreciated me for referring the accountants.. even though it was too far for her to go and meet them.

She mentioned that getting a good accountant made her feel relieved from a long pending stress, and I told her you are going to get the much needed financial freedom soon. Because you have come to the right place at GTA CREDIT SOLUTIONS, and we will take care of you by giving the best solution. Which will suit your needs and difficulties.

One day she came back with the info, and finally she told me that she owns a Benz 2008, which was gifted to her from uncle [she had the proof] and also gave me a different amount as the mortgage balance, that caused difficulty for us to help her because that created a huge equity in her house.
And then as the final last option I referred her to Dinesh(mortgage agent)
And I am very happy her mortgage is approved- she got the money and secured lender paid her off debts about $100,000.

Client thank you GTA CREDIT SOULTION for referring to the correct mortgage agent.

Now Client understand- he made the right choice not to the TRUSTEE IN BANKRUPTCY directly because they don't offer these services.

Case Study #3522

I am Terry working at GTA Credit Solutions Brampton office- One day I got a call from a lady, she was worried and distressed about her credit cards problem and mortgage payment so I asked her where she lives. She said she lives in Scarborough so I asked her if she wanted to call the GTA Credit solutions Scarborough office to set up an appointment regarding DEBT PROBLEMS but she said since she talked to me and she wants to meet me at the GTA CREDIT SOLUTIONS Brampton office. I set up an appointment for her, she came in and we discussed her problem, she owes about $80,000 on her credit cards debt and she had a mortgage which was behind by 3months, she said her son in law was the one who got the house and put her name on it and he used to help her to pay but later he ran away with his girl friend and left all his expenses for her. She is 60 years old and only making $2000 per month. Her daughter wasn't working so I asked her if she wanted to keep the house or wanted to sell it. She said that she does not have enough income to cover all the payments. I advised her to find a place for rent and move out from the house, call her mortgage company and let them know that she cannot pay anymore, here is the key and stop making payments to any of her credit cards. After one weeks she came and told me that she already gave up the house and moved in a apartment. She filed Bankruptcy at GTA Credit solutions with a help of Trustee in Bankruptcy to clear everything and I let her know that the mortgage company would go after her son-in-law. She said that she feels good and is now paying only rent.  First day she was crying and today she is happy and smiling.

Case Study #562

An existing client of  mine at the London office of GTA Credit Solutions referred a friend to us. We came so highly recommended that he took time off work to drive all the way from Hamilton to Ajax.
During our first interview I mentioned to him that we have offices in GTA CREDIT Stoney Creek and GTA CREDIT Mississauga that were much closer.

After the paperwork was completed a meeting was scheduled for him to sign the papers after a financial background check was done. During the signing meeting, the question of his wife's involvement was discussed. It turned out she was equally in debt. When contacted she refused the get involved.
However a few days later I received a call informing me she had a change of mind and needed more information.

After meeting with them together it showed most of their debts were joined, they were not able to continue their present life style. They opted for consumer proposal.
All changes were made and the documents rescheduled for signing . To avoid another lengthy trip we decided to meet them in the GTA CREDIT Mississauga office.

Case Study #452

I recently met with a client about a month ago. She called the GTA Credit Solutions North York office looking for information about what GTA Credit Solutions could do to help her solve her financial problems, I advised her to schedule an appointment for her and she could bring all her financial documents and proof of income for us to see. I also let her know GTA Credit would do whatever we could to help her out and hopefully come to a solution.

She came to see me the next day looking very stressed out and anxious. After looking at her debts, it turned out she was owing over half a million dollars. I noticed the majority of the debt came from an RBC personal loan. I asked her what happened and she told me that her husband took out a bank loan with RBC with the intention of starting his own business. He assured her that everything would be fine and made her sign as a co-signer. Once they got the loan, it became evident that they could not pay it back and to add onto my client's stress, her husband decided to get a legal separation.

During the separation her husband filed for a bankruptcy and left the entire RBC debt under her name. She believed that by not doing anything about it, the debt would just go away and RBC would stop harassing her. As she was telling me her story she began crying and told me she was very embarrassed and ashamed that the debt was so high and it was causing her a lot of stress. She received a letter from the Ontario Superior Court of Justice advising that her wages were going to be garnished within weeks.
She is employed by a child care services and she currently works at a school and only earns $2000.00 a month. After going through her monthly budget such as housing, living and transportation expenses, it was quite apparent that her income was barely covering her expenses.

I went over both consumer proposal and bankruptcy options with her but the obvious solution was to go with the bankruptcy option to eliminate the RBC debt and stop the garnishment. I took some time with the client to reassure her that the harassment and creditor calls would stop and she would be protected.
After leaving our office she told me she felt a lot better and realized she should have  come to our office much sooner to avoid the stressful life she was living. We did a complete  financial run though of all her debts. Since then she has been back to visit us letting me know how stress free her life now has become and now she is starting to save money and hopes to rebuild her credit. She told me that GTA Credit helped her so much, and she would recommend anyone to us who might be having financial problems.

Case Study #6422

This story is very unique. A lady of 82 years, who now calls me granddaughter came into our GTA credit Solutions Scarborough - telling me that she did not know what to do, she had a debt problem of  $12,000. Her Income of $ 900 a month, was not enough for all her expenses. She thought she could no longer do anything. She was afraid to do a bankruptcy, and was afraid that she could not afford to pay her expenses. She paid $ 500 for rent. I explained the process and she decided to do a bankruptcy, she was very happy to see that I could help her. Until this day she calls every month to say hello, and to thank me and thanks GTA CREDIT, for everything. I call her Grandma.

Case Study #1486

In February of last year, I received a phone call from a prospective client who expressed interest in GTA Credit Solutions Services Barrie. After giving her all the information, I booked an appointment to the office in Barrie to bring her documents and ID. That was impossible as she explained all of her ailments, which impaired her and made it difficult to be in public.

My next option was to pick up all relevant documents, which she decided to leave with her care provider. Being very curious and anxious to see the ID of the person who trusted me with the actual copies of her information, I quickly opened the sealed envelope and was amazed at the picture of a young and very beautiful woman who had so many illnesses and disabilities.

A few days later the signing was scheduled and we made a house call with Trustee, since it was a special case.

We arranged to meet at her condo in Barrie. All documents were signed and as we  came down in the elevator, my colleague reviewed her situation and decided that he was taking a step further to make her proposal more affordable as her income was limited under those circumstances.
This client has always kept in touch.

Case study #9485

This lady is very special, the first time I saw her in GTA Credit solutions Toronto office, she came crying, very badly, telling me that she thought of suicide, she had a debt of $ 35,000, she is married with 3 children, and their Income was not sufficient to pay everything. I told her that suicide is not solution for anything. There is thousands of people go with same problem and you are not alone with debt problem. I asked her to talk with her husband, because we had to find a quick solution to their problems, I explained about bankruptcy and consumer proposal. Since her family income is very low-she plan to do Bankruptcy. She came very depressed to sign her bankruptcy papers, with her husband at her side supporting her. It was not easy for them, as their income was low, but they signed up realizing that this would solve all their problems. Since that day, she continues to visit me and calls me her angel and  said Thanks to GTA CREDIT SOLUTIONS Toronto, and is grateful that GTA CREDIT helped her to feel better. When she came 1st time, she was so depressed but she understood now that everything had a solution in this life. I know that my words were very important, those words helped for a good decision, and that gradually improved the situation of her family

Case study #5842

Thanks so much to GTA Credit Solutions Services Mississauga for  providing me with new hope, strength and a brighter future.
In 2010 I was in massive financial stress due to a financial scam, and credit card loans, and  trapped in a mortgage agent fraud . I lost all my savings, house and  any hope of a good life. I started to receive threatening phone calls from different creditors.
My friend recommended me to contact  GTA Credit Solutions Services Mississauga.
Finally, one day I called GTA Credit Solutions Services office to make an appointment for a free consultation, and that call changed my entire life.
They  stopped all threatening phone calls and saved my financial future. They taught me how to build credit history again, how to  manage money, how to save money, and get back on my feet.
Today I have financial freedom and am living a happy life. I will recommend everyone who ever is in financial difficulties, to at least  call GTA Credit Solutions Services to find out their best financial advice. They are experts in Consumer Proposals and Bankruptcy.
GTA Credit Solutions Services provides professional, and friendly services with reasonable charges.

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Contact us at your nearst location, email us, or use our online assessment form, and today could be the day you begin to put your financial problems behind you.

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