Margaret's philosophy is simple: "Your credit rating is not a reflection of who you are, it is merely a credit industry tool."

After spending 25 years in the financial industry in both lending and collecting, Margaret launched Solutions Credit Counselling Service Inc™ and Women and Money Inc. to help those burdened with debt regain their financial independence. Since then she's helped countless individuals become financially literate in addition to recovering their financial health.

Margaret is an Insolvency Counsellor registered by Industry Canada.

She is the President of The Canadian Association of Independent Credit Counselling Agencies (CAICCA)

Other memberships and activities:

• Member - Vancouver Insolvency Discussion Group
• Charter Member - Canadian Insolvency Foundation 
• Member - Association for Financial Counselling and Planning Education
• Member - Association of Credit and Collection Professionals - ACA International
• Former Vice President of Credit Professionals International (CPI)
• Member of the CPI board - 9 years
• Former Director - Surrey Public Library 
• Volunteer - The Union Gospel Mission
• Volunteer - The Elizabeth Fry Society 
• Volunteer and Mentor - Dress for Success Vancouver
• Volunteer - Corrections Canada, Youth Secure Detention Centre
• Volunteer - HRDC Self Employment Entrepreneurial Development Society
• Volunteer - Womens Network to Work Program

• Margaret is a two-time nominee for Entrepreneur of the Year, and a dedicated community leader.

Margaret in the Media

Margaret is the leading thinker in the field of Independent Canadian credit counselling. As a popular and respected financial speaker, Margaret is regularly sought after by the media to comment on matters of debt and credit as they affect the Canadian consumer.

She is the author of many articles on credit counselling, and writes a popular advice column to promote credit education as a part of healthy living. Margaret's columns are featured on the popular Canadian Websites MyTelus.com , Shaw: Finance and Canada Home Guide .

Margaret's progressive thinking keeps her in demand for public speaking engagements. She is very proud to have been a presenter at the Chapters of Health national seminar series.