“SAL was completely professional in handling my situation. My case officer was very polite and caring in our discussions.”

“It was embarrassing to have financial problems. The lady appreciated that problem and helped me understand it was not unusual.”

“I wanted to repay but had difficulties. We worked together on a plan that helped me budget my expenses and pay over time.”

“There were no bad pressures working with SAL. They understood I would pay what and when I could and they helped me do that.”

“I had a lot of questions about my options. The lady explained the pros and cons of the various alternatives in Hong Kong and helped me with my decisions.”