Hi Manny, Our association with you has been a VERY POSITIVE experience.  Going through financial difficulty is a terrible time for anyone, but you took us through the process step, by step and not only helped us with our problems at hand, but also put a plan in motion for us to work towards a BRIGHTER future !  Ray & I THANK YOU & wish you nothing but the BEST Manny, because their are many others out there who need your assistance, help & guidance. God Bless you Manny, — Raymond & Cindy J., Alliston