I was distraught at the failure of our family business and the legal wrangles that arose from that. One of those headaches was the Personal Guarantee my wife and I had with the bank. It took 3 years of agony and stress to reach an agreement. Mel and his team worked tirelessly and creatively to try to find a way forward with the bank who eventually agreed to a proposal. We could have handled the situation ourselves but our lack of knowledge about how banks operate coupled with our near-paralysing stress levels would have meant we would never have achieved a satisfactory outcome without our trusted advisors!