When his café started losing money in early 2025, Callum waited too long to ask for help. By the time we met in March, he was juggling three different credit lines and falling behind on supplier payments. We spent the first session just mapping everything out—no judgement, just facts.
The consolidation took four months to arrange. It wasn't dramatic or fast. But by August, he had one manageable payment instead of three chaotic ones. His suppliers got paid on time. The café's still running, and he sleeps better.
Current Status
Debt reduced by 38% through restructuring. Business operating with positive monthly cash flow since September 2025.
Medical expenses can wreck even careful budgets. After their daughter's emergency surgery in January 2025, the Ostergaards faced bills that insurance only partially covered. They'd already used their savings and didn't know where to turn.
We worked through payment plans with the hospital and adjusted their existing debts to create breathing room. It took six months of careful coordination. They had to make some tough choices about spending, but they avoided bankruptcy and kept their home.
Current Status
Medical debt settled through negotiated payment arrangement. Family budget stabilized with emergency fund being rebuilt.
Priya's contract ended unexpectedly in February 2025, right when she'd committed to a major renovation. The timing was awful. She had mortgage payments, contractor deposits due, and suddenly no income stream.
We focused on immediate triage first—negotiating with the renovation company, arranging mortgage payment deferrals, and helping her access available government support. She found new work in May, but the breathing room we created made all the difference between recovery and disaster.
Current Status
Returned to full employment. Renovation completed on revised timeline. Mortgage payments current with improved cash reserves.
