At 4 Pillars Medicine Hat, we work for you, not your creditors. Our job is to help you get out of your financial difficulties as quickly and as painlessly as possible.

We will educate you on your debt options to ensure you choose the right plan to deal with your debts so you have an affordable structured payment plan that will greatly reduce your monthly payment.

First, we review your debt relief options.

From the first time we talk on the phone, you will be able to start to breathe easier. We use this first phone consultation to gather the information that will help us to decide what course of action to take based on your specific situation and what your long-term financial goals are.

Everyone's situation is different and there are different avenues that we can utilize to alleviate your pressures.

We can either exchange emails, have a phone call, or you can meet me at our Medicine Hat office.

Decide on a debt management plan

Once we have the information we will meet in person after we've had a chance to go over it and discuss what we feel will be the best course to take.

You will be informed of all your options and we will recommend, based on what you've told us, the avenue we feel is right for you, however, the choice is totally yours to make.

Once you have decided that you are ready to take control of your finances we will sign an agreement and start work immediately on implementing the plan. At this time you will be asked to gather the information that we need to move forward.

Create a debt settlement proposal

Throughout the whole process, we will work with you to resolve any issues that come up and make sure you are comfortable with and understand the actions you need to take. Once we have the information we need we will structure the debt-restructuring proposal to ensure it is done on your terms and affordable to you based on your income and expenses.

We will then work to find the right trustee based on your situation to submit your proposal to the creditors (the trustee's role is to represent your creditors, our role is to represent you).

We will then all meet with the Trustee and sign the papers to present your proposal to the creditors. We will walk you through the whole process and explain what's happening and what you can expect next.

We work for you, not your creditors

Once you have reached a deal with your creditors and your proposal has been accepted we can immediately work on rebuilding your credit to minimize the impact the proposal will have and we will also begin working on a budget so we can make sure you don't find yourself in this situation again.

We will provide you with the tools and the knowledge to get you set up with the right kinds of credit to get your credit score back to where it needs to be so you can borrow responsibly and get the preferred rates that other people are getting.

4 Pillars is a national Canadian owned and operated company with 50 offices in Canada.

We have the most comprehensive debt restructuring plans in the country, highly qualified debt management professionals and the most effective credit rebuilding plan in Canada.

Last year alone 4 Pillars helped Canadians restructure over $100,000,000.00 worth of consumer debt. We also have small business and corporate restructuring services available.

My office location is: 851 Industrial Ave. S.E. Ross Creek Business Center, Medicine Hat, AB, T1A 3L7 (Free Parking).

Call today to book a free one hour consultation in my office

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