Michael serves the North York and GTA region. He has over 15 years of experience in the insolvency industry helping individuals overcome their financial difficulties. Michael helps people deal with debt wisely by explaining all options for debt relief, allowing them to choose the best solution for themselves and their family. Prior to joining BDO, Michael worked for several years in the credit counselling industry as a credit counsellor.

Michael’s goal has always been to create an atmosphere of open dialogue in which his client can feel comfortable telling their story and having their voice heard. He is committed to providing honest, professional and comprehensive advice on the various options available to them, in order to solve his client’s debt issues and improve their financial situation.

Michael volunteers his time to teach budgeting seminars to newcomers to Canada, seniors and to students enrolled in English as a second language courses. He regularly provides presentations on financial literacy, financial wellness and the insolvency field in general. He spends his free time with his family, friends and his not so well behaved Husky pup, Simone.

Marcia assists individuals with insolvency solutions, including consumer proposals and personal bankruptcies. Marcia understands the emotional stress that financial difficulties can cause. She listens to her clients’ debt stories and explains all options for dealing with their debt wisely. Marcia’s professional, empathetic approach helps greatly to ease her clients’ concerns. After an initial call or meeting with someone, Marcia finds it rewarding to hear them say, “thank you Marcia, I am feeling so much better now”.

Marcia speaks and presents at United Way and Indian Rainbow Community Services. In her spare time, she enjoys listening to music and evening walks.