“…I was referred to Maria Rickard & Associates Inc a while ago and after much thought and hesitation, I made my appointment and am super glad that I did! They walked me through and explained everything with great detail and answered the many questions I had. I wasn’t feeling ashamed of my decision after chatting with Terre and wish I had made this decision earlier than what I did. I feel I am finally getting a fresh start after being down and out for so long!! Thank you Maria, Terre and Janine for your help, patience and understanding!! Definitely recommend!!”

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