Hi Christine and Regina,

Thanks a million for taking your valuable time to give counseling, advice and direction. I had suffered for a very period of time "living in hell" and thank God that i read about your website. I really appreciate all your effort. Once again, THANK YOU.

Mohd Din (Jurong)

"I am glad that i came to you for help because I really don't know how I could have gone on paying using my entire salary every month, with nothing left to survive on literally!

From the very first call that I made seeking help, Jorryn answered my questions on the spot without insisting for a meeting first even though I hadn't signed up with Synthesis at that time, unlike the others whom I approached before you.Along the way, your advise and reassurance gave me the courage to answer the bank calmly and with every bank that gave me an installment plan, I gained confidence that I will get through this dark part of my life. Nobody would have guessed the tremendous stress I was under.

 

Thanks to you, I am less stressed now and can focus my energy on my family rather than my disastrous finances. I wish for everyone who is in the same situation as me to be able to get help from someone like you. To be able to pass on the heavy burden of debt to some one who can help me make it disappear is a great feeling that i would love to share with others! I look forward to 5 years down the road when I will be leading a debtfreelife!"

Junaidah, 34 (Jurong)

'The first thing I had to do was face my problem, that was the hardest part. As soon as I'd done that, I managed to reduce my debt by $6,044 immediately. Every month now, I can see it getting smaller. After so many years of living with debt the end is in sight! Once again thanks.'

Jack 41 (Yishun Close)

"I only realized that i needed to do something about my debts with various banks a few months ago and the term Debt Consolidation was totally foreign to me when a friend of mine from overseas urged me to think of it. Evading my responsibility has not been an option to me as a Christian. I confessed to God and I prayed hard for direction. In the middle of one of the nights which I couldn't sleep, I searched online for anywhere I could seek help and advice for Debt Consolidation. The only choice shown to me was Synthesis Consultancy. What was written in their website was very encouraging and positive. But I was still cautious as you never know who and what you could trust from online information. So I prayed and prayed asking God to show me if this was the door He wanted me to go and seek help. Yes, it was.

Of course I could not expect Synthesis Consultancy to lent me a loan to consolidate my debts. But what I have got from them was the good advice on what to do and what not to do. I have to say that Christine has been very helpful and supportive during the course. She was very friendly and assertive that you would not feel left alone even when you were desperate. This has made my difficult few months so much more easier to past on. I do appreciate the help and advice from Synthesis Consultancy.

With God's reassurance of His love to me, they did help me see the rainbow He has promised at the end of th tunnel. And my advice to you is never allows your debts from credit cards and loans to snowball. If you do have a snowball already on hands, quickly attend to it right away and stop it from rolling bigger and bigger. Such snowball could be so enormous that so fast and so quietly that you could not breathe at all one day all of a sudden."

Grace Chan, 41

" I am very glad that all my creditors had offered a debt relief plans and term loan for me to repay off the outstanding sum. Thanks for your help to negotiate with them on my behalf for a reasonable term and lower interest rate. This has greatly reduced my stress and financial burden. Jorryn, Thanks for your professional advice and moral support for the past few months. You are indeed an outstanding Counselor!"

Lee K. S, 33
(Edgefield Plains)

" Going to Synthesis was one of the most difficult decision I have ever made in my whole life and it has proven to be the best decision I have ever made. Life is much easier now, I don't feel like I am on the brink of a life of desperation anymore..all thanks to you, Jorryn. From the bottom of my heart, I am very thankful for your helping hand, wise counsel and encouragement. I cannot imagine what life would be if not for Synthesis, and of course you. I will certainly never ever get myself into that kind of situation anymore, it is too horrifying."

Mavis, 38 (Ang Mo Kio)

"I was lost and trapped in a huge amount of debt...amounting to almost 50K for 3 credit cards and 5 personal line of credit. The worse of it all was that I was only able to repay the minimum amount each month. This proved to be a very bad solution as the minimum payment amounts to nothing substantial. I was merely paying the interest each month without any major reduction in the principle amount.

This went on for almost 2 years and the situation took a bad turn when a huge amount of unforeseen payments came up...child's hospitalization, etc leads to a big sum of money paid out. This meant that for 2 to 3 months, I could not pay some of the minimum payment which I was paying religiously every month..worse still, with the credit card and cash line account still at my disposal, the temptation to use the credit cards is too hard to resist especially in these months that preceded.

I attended a financial counseling course at church and realized that I have to seek professional help. To be honest, perhaps like you reading this now, I came to Synthesis' website when I googled for help... many times, their name and website or mention in forum pages came up tops of the search listings. But I was still skeptical about them but decided to pay a visit anyway in 1 Aug 2007 after much prayer. My first impression of Christine was probably someone you would associate and who epitomizes the word 'cool'. With, good fashion sense and dyed hair... she was unlike the serious financial counselor or advisors whom I had assumed when I first read about her testimonies from previous clients. But don't judge her for party-goer kind look... she knows her work very very well!

After my visit and a few phone exchanges, I was convinced that Christine knew a hell lot of what she is doing and I was RIGHT in seeking Synthesis Consultancy's help. Albeit the turmoil of having multiple phone calls, lawyers letters in letter box and on front door, she was able to advice and clearly articulate how the situation is and will be and how I should react to all these letters and phone calls from Banks and Law firms...that really are like 'loan-sharks'... only difference is that they are legal and I can't call the police. I learnt to Trust Her and God. I find the next 2 months clinging on to her for Hope and Help...especially with each bank-call or letter of rejection of repayment proposal, Christine was able to assure me of the situation and how it will entail and I found myself getting a lot of support in this period where I was even panicky sending numerous emails and calls to her... each time, she did not sound irritated yet was forth-coming in her response and advice. Within 1 month, I was able to see clearer that indeed their help was bearing fruits. All my creditors/banks started to respond more amicable and started to accept and at least negotiate the repayment plans to them. By the 2nd month...all my creditors have responded amicably and accepted my repayment plans (help planned by Synthesis).

Till date, I have reduced my monthly repayment by $386 (which goes a long way to helping my family's monthly expense) and a reduced interest charge of $11,559.86. Most importantly, Christine, was able to help me see to a committed repayment plan to the creditors and I can see clearer now that within 5/6 years, I would have totally paid of my debts, managing a sustainable monthly repayment. If it wasn't for Synthesis' help, I will still possibly be paying for nothing and 5 years down, I could still be looking at their testimony page wondering if they are real and still not had paid half of what I owe... Trust me, Go for Synthesis. I never regretted and have them to thank for being part of God's Plan in giving Hope for my family's Future. I learnt to Trust God and Synthesis... You should try one of this 2 at least if not both."

Mr. Poh 36 (Bukit Merah)

"I would like to take this opportunity to thank Ms Christine for her advice and assistance in helping me arrange a repayment plan to settle my debts with Credit Card companies.
This arrangement has significantly reduced the interest rates ad monthly repayments for me. I would also like to state that her patience and encouragement to preserver during this trying period for me is greatly appreciated. My heartfelt thanks for helping me overcome the darkest period of my life. For the record, I would like state that I highly recommend Synthesis Consultancy to anyone seeking assistance on debt related matters."

Renuka 48

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