After my divorce and job lost I was living off my credit cards and line of credit. I started a new job about 8 months later and my wages started to be garnished. I was so embarrassed and depressed. My employer's accountant gave me the phone number to New Beginnings. Toni returned my call almost immediately and was very positive, up beat and confident that she could help me. She kept her word! The wage garnishments stopped right away and I now have one affordable payment a month. A load as been lifted of my shoulders and I sleep through the night. I am receiving budget counselling and working on rebuilding my credit. Thank-you Toni and all at New Beginnings!

TLC Debt Counseling gave me a New Beginnings and saved my life? Too dramatic, I think not
I lost a fairly high paying job due to economic conditions… The company I worked for went bankrupt owing me salary and expenses totaling thousands and thousands adding to my own debts that were a stretch but manageable…
The stress was unbearable as I struggled to be unemployed and manage my debt load Blood pressure out of control I suffered a subarachnoid hemorrhage. The first call I received once I was released from intensive care and was able to return home after two months. My family and friends knew nothing of my situation as I had only told people bits and pieces of what was going on. The first call I received when I returned home was from a creditor… It took me a full year to get employed again at a much lower salary and position During the year I spent recuperating I ran up my credit as I felt I had no where else to turn. I was so ashamed and embarrassed. I spoke to my creditors and never once denied that I owed them the money and promised to do everything I could to repay them. I sold assets, personal belongings anything I could think of to try and end this downward spiral. Once again with the pressure and what I thought was no way to get out of my situation I suffered my second subarachnoid hemorrhage. This time I did have a wonderful company behind me as well as insurance for a medical leave I healed much faster and was back at work in 6 months. I was truly lost as I felt my life was over…It just seemed that every time I could start to take a step forward something would knock me back. I have a good friend in the financial world and I decided shame or no shame I had to let someone in to what I was going through before it killed me. He told me that I was not alone (news to me) He said that lots of people were in similar positions and suggested I call one of his friends at TLC Debt Counseling. That is the best advice I have ever received from anyone bar none
I made the call in desperation and the voice on the other end of the phone assured me that things indeed would be alright I was not the first and wouldn’t be the last to find myself in this spot, and they would help me get my life back. I received some advice on what to do over the next week until I could get a meeting…and I smiled for the first time in what might have been two years. There is no word to describe the relief I felt as I hung up that phone…I know I have checked but a weight was off my shoulder and that dark cloud that had been following me around was gone…I went home and had the best night sleep I can ever remember having the next morning with a renewed passion I followed their advice to the letter and they were right.
I did get my life back as immediately things started getting better. I was surrounded by people who could help and wanted to… The creditors calls stopped, I am no longer afraid to answer my phone I now pick it up on the first ring. I am getting things under control
I am now shopping for a new car something I thought I would never be able to do again in my lifetime, TLC Debt Counseling staff remain here with me continuing their help and commitment to seeing me through as I take my next step
In summary I don’t want to sound to cheesy but I am more cautious more aware and maybe a little smarter as I have learned a lot through this experience as horrible as it was. Don’t be afraid, make the call and get your life back…Its meant to be enjoyed
Thank you TLC Debt Counseling I am in your debt!

I was on my lowest Ebb on my Fanatical Status. In other words, I needed help to clear myself of all my debts. I resorted to several financial institutions for help, they all gave me the same answer “My Debt Ratio is to High”.
Severe Frustration and Anxiety took the better of me after all hope was given up out of the blue I was introduced to one last Mortgage Broker. After one week he called me into his office and honestly told me that I am not qualified for a mortgage, but in a drastic situation like mine he knew of someone who can help!
I was like a drowning man clutching to a straw but that straw turned to be a lifeboat. That lifeboat is Toni Azzopardi of TLC Debt Counseling. Toni’s soothing, comforting words of Guarantee is like her out stretched arm reaching deep down to the rescue. How loving, how kind, how sympathetic having fellow feeling. We need more good Samaritan like Toni Azzopardi in this world of ours.
When I met Toni for the first time Tears come streaking down my cheeks, because every soothing, comforting words coming from her mouth befits her personality. Thank you Toni I have hope because of you!
May God Bless you reaching out to help people like me. Thank you from the bottom of my heart!
Thank you Sincerely,

My first encounter with Toni Azzopardi was a positive encounter right from the start! Toni was extremely friendly, helpful and patient! No matter how many questions I threw at her, she always took the time to respond via email, text or phone! She went thru great lengths to ensure I received a "Debt Settlement" package that was very manageable for me. Prior to meeting Toni, everyday I would monitor my phone calls avoiding blocked/unknown callers or numbers I didn't recognized; I dreaded going to the mailbox because it was always letters from collectors demanding payment. The fear of garnishment loomed in my mind everyday. I felt like a weight was lifted once Toni started to help me out. Throughout this entire process, Toni treated me as a friend and not just another client; she had my daughter and myself in mind and not her financial gain. This process was quick, efficient and I would recommend New Beginnings to anyone that's ready to receive financial freedom! Thank You Toni, I finally have my life back and I am "Stress Free"

I was at the point where I knew I was in trouble. My debts were by far exceeding my monthly income. My Credit Rating was destroyed and It came to the point where I didn’t look forward to my pay cheque being deposited into my account because I knew I had bills to pay. Rather than try and find a solution or seek advice from others, I held out as long as I could until it came to the point where I stopped paying my bills. Then the telephone calls started and past due notices came through the mail. I had trouble sleeping. It’s hard to admit you need help because you’re worried family and/or friends will look down on you. Nobody wants to admit they made mistakes.

Under advice from a Lawyer, I was put in touch with a credit counsellor who recommended I get in contact with TLC Debt Counseling. That was the best advice I ever received. TLC Debt Counseling really listened to me and helped me get my finances in order. The councillors offered me something I was in desperate need of during my difficult times – support. TLC Debt Counseling helped me put together a proposal offering which was financially affordable for me. I finally felt I was moving in the right direction and things were looking up.

At this time, I found myself in need of TLC Debt Counselings help once again. My car was written off while I still in my proposal. I actually knew I was in need of a new vehicle for the last year and a half but was afraid to reach out (again). I was spending more money on repair bills to keep my car going. It wasn’t so much I was afraid to reach out for help. I was afraid of falling back into debt. However, me and my family are dependent on a car so I had to bite the bullet and see what I could do. I spoke to my Trustee who passed along my file back to TLC Debt Counseling. TLC Debt Counseling helped me secure a loan and purchase a vehicle through their Vehicle Solution Centre. I was told the loan was difficult to secure but it was granted. However, that’s not what surprised me. It was the speed in which they were able to secure the loan which was within my budget and get me into a vehicle. This all came together for me in a matter of weeks.

If there’s one thing you can take from my experiences, do not wait until the very end before you reach out to ask for help like I did. There are people out there ready to help you out. I would strongly recommend TLC Debt Counseling to discuss your financial situation whatever it may be. I found them to be dedicated professionals who are ready to lend their expertise to help you get on the right path.

It is very hard to put into words my gratitude to TLC Debt Counseling and how they have changed my Life for the Better!! Thank you does not even begin to express how I feel.....!!!
I contacted TLC Debt Counseling and I was desparate for Help. I had talked to so many other companies and professionals and Nobody could or would help me!!! I owed over 18,000 in Debt and had a garnishment order on my wages and another that was going to start. I was stressed out, could not focus and it was affecting my Job and Relationships. Toni Azzopardi of TLC Debt Counseling was kind, non judgemental and there to help me.
Toni created a plan and strategy which Saved my life and changed everything!!!!!
I now have No Garnishments on my wages and I am repaying only a small portion of what I owed. My payments are only 125 per month no interest, open to pay off at any time and No Garnishments!!!!! I have been given the financial freedom that I have not had in Years.. I would highly recommend that you Contact TLC Debt Counseling for Help if you have Debt or Credit Problems.. !!

I can't say enough about Toni, I was in a terrible mess and needed to get back my dignity. The stress of having financial problems weighed on me heavily. I contacted Toni and she put my mind at ease, gave me direction and helped me. I now know I'm on the right track to clearing up.my financial burdens and correcting the wrongs. Toni has such compassion and respect, she doesn't make you feel belittled,. I would recommend Toni to friends and family. Thank you for everything you have done

Dear Frank: Just wanted to let you know that Colleen and myself are so pleased with our new car. Your professionalism and your caring nature made the experience so easy. Thank you again, our experience was awesome and I would recommend other customers in a heartbeat! Looking forward to doing business with you in the future.

Frank was 'highly recommended' to me it was a blessed day when I met Frank. I would like to thank Frank and Mary for their hard work to help me getting the right car for me. They work out the payment that was right for me, Frank take time out to show me how the car work and I can call him anytime he will be there for me. Thanks to Frank and Mary I am enjoying my car.

Frank and his colleagues delivered on their promise in helping us in procuring a vehicle that we would be happy with. My wife and I are grateful for the prompt service and kindness provided by Frank and his team. We would certainly recommend VSC to anyone requiring this service.