We help to reduce your debt by up to 80% and get you back on track. Up to 97% of families successfully complete the plans we create and become debt free.
My company helps people out of debt by providing debt consolidation and debt restructuring services resulting in low debt settlements for my clients throughout Burnaby.
Being in debt is a very scary experience and has likely caused you many sleepless nights and stress within your family. Making the minimum payments each month is disheartening when you see that the amount owing is not going down due to interest being added back on again!
Your first step to get out of debt should be to research your options thoroughly and ignore the advertising hype from some of the less respectable companies out there making unrealistic promises.
Ignorance and fear stop many people from either taking any action to get out of debt or causes them to make a hasty decision which they regret later on. Make sure it is not you! Do Your Research.
Gurinder and 4 Pillars Burnaby will take time to first explain ALL your options. He will make sure that your questions are answered simply and clearly. Some of these options will involve debt restructuring and debt consolidation with 4 Pillars, others will not. After you speak with Gurinder you will feel confident, fully informed, and able to make a decision that best suits your situation and long term goals. Depending on the option you choose you may not require Gurinders’s assistance. However, he will always be available to answer your questions so that you can make the correct decision.
To date, Gurinder has assisted over 400 families in Burnaby and the Tricities with debt consolidation plans to set them on a path of long term financial recovery. Many of these families are still in touch with him today for advice on budgeting, credit building, financial planning or even just for a casual chat. The testimonials below from past clients and other professionals reflect a high standard of service he is proud to provide.
At 4 Pillars Burnaby we recognize the stress of your debt can have a negative impact on your emotional well-being.
The mental health of individuals living with debt has become a concern for the health and financial services sectors. At 4 Pillars, we support programs that benefit mental health in our community.
In fact, 4 Pillars Burnaby donates $50 from every client fee to the Mental Health and Substance Use Program at Burnaby hospital. We know that good mental health is key to your financial recovery.
In order to eliminate your debt, increase your cash flow and allow you to invest in the future, we take the following steps:
We will also assist you with budgeting and credit building to ensure that your financial recovery is sustained in the long term. We have the ‘Clients For Life™’ philosophy and we will always be there to assist you with any financial challenges in the future.
Jim F contacted us for help with $140,000 in credit card debt, which he had accumulated due to an illness that stopped him from working for an extended period. The bills kept flowing in but the income had stopped. He had a wife and two children and his only option was to rely on credit to put food on the table.
Eventually, he started working again but by this time the debts were so high that all he could afford was to make the minimum payments each month. The debts never reduced as he was only paying interest. Stress levels were rising and his family relationships and health were starting to suffer. He had to act and act quickly.
We met with Jim and discussed his situation, and within 4 weeks had a debt elimination plan in place. The consumer reduced his debts down to $60,000 which was paid at $1000/month interest-free over a period of 5 years. His cash flow increased and he is now able to put money aside for a pension plan.
Jim had no idea that this could be done and in such a short time. Only after meeting us for a free consultation was he aware of his options and was able to take positive steps towards debt freedom.
Contact me for more reviews and testimonials.
It can be very stressful receiving numerous calls from each of your creditors demanding payments which you just can’t afford. So what can you do to stop these calls while you are considering your options?
You can send out a letter stating that all future communication regarding your debts must be sent in writing. The creditors must comply with this instruction.
When considering your options to pay off your debts you must calculate how much it will cost you in total to pay off all of your debt at the current interest rates.
Use this calculator to work out how much you will pay in a specific period of time
If you have poor credit you may find it difficult to get a new credit card as nowadays you really need one for car parking, online purchases, etc.
However, you can apply for a secured credit card if your credit rating is low. With this type of card, you pay a deposit of say $500 to the credit card company thus allowing you to spend up to $500 on the credit card. If you try and keep the balance on the card below 30% of the available credit and pay off the full balance at the end of each month you will start improving your credit rating.
You could be entitled to additional benefits from the government!
4 Pillars was established over 18 years ago and now has 60+ offices across Canada. We have assisted thousands of Canadians to get out of debt and last year we restructured over $2 million of consumer debt in Burnaby alone.
With a population of approximately 290,000 in Burnaby and New Westminster, 4 Pillars recognizes there is a large diversity of nationalities and ethnic groups needing help in our community and we are respectful of their traditions and beliefs. We take time with every client to ensure that they fully understand the processes and procedures involved in debt restructuring and will recommend a translator when necessary.
We believe in maintaining long term relationships with our clients and we are always available to assist with financial challenges. Our offices are local to the community they serve, thus making us easily accessible for face-to-face meetings when required.
The 4 Pillars office in Burnaby is located at: 6060 Silver Drive, Suite 300, Burnaby ph# 778-340-4002 .
Our office hours are 9am to 5pm Monday to Friday although out of hours appointments can be arranged if necessary.
Here are a few of my business links:
Here is my Google + Profile Page: Google + Profile
Here is my LinkedIn Profile Page: LinkedIn Profile
Facebook Listing: Facebook Listing
Yellow Pages Listing: Yellow Pages Ad
My Burnaby Better Business Bureau (BBB): BBB Page
My Yelp Listing: Yelp
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