I got a referral to Devon Jones, a Sunlite Mortgage Broker in Scarborough as I was thinking of filing a consumer proposal. I wanted to save my credit  from getting lower. I was sick and off work for 7 months and during that time, some of my payments on my credit cards were late and I didnt want to be late also on my mortgage payment.

I didn’t have a lot of debt but I had less money coming compared to when I was working and I was beginning to have difficulty making my payments. I was planning on calling a trustee in bankruptcy to file a consumer proposal which I know would have cost me.

I was skeptical of mortgage brokers but called and made an appointment. I didn’t want to have to file a consumer proposal and I had nothing to lose. I was being threatened by my creditors e to court for the money I owed and I knew this would impact me more. I called and met with the guy and was very impressed with what he had to say and the commitment he offered me.

The service was great, I gave him authorization to talk to my creditors and he negotiated with them on what they would accept and once that was arranged, he refinanced my mortgage to pay out the debt. It didn’t cost me a cent.

I have been able to save on the interest I would have been paying but saving my credit was the best part of the deal. I was very impressed.

Neil

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