AVOID THIS COMPANY AT ALL COSTS. They are bullies, condescending and will try and scam you. Do not trust them at all. They are also extremely rude. Cheryl advised me on a consumer proposal, did not give me all the facts of what it involved and made disparaging and rude comments about my financial situation. These people are not interested in helping you. If you want to feel worse about your financial situation and your options give Cheryl and Prudential a call.