4 Pillars or A Licensed Insolvency Trustee: your best option in Hamilton
It is often said that you find out who your real friends when times are tough. If your debt has left you in a financial crisis you may have a lot of people offering you advice but is it good advice? Are these people really acting as your friends or are they working their own agenda? When you’re ready to seek help, real debt help, remember not everyone is really working in your best interest. Perhaps it’s time to make some new friends.
4 Pillars Hamilton Debt Consultants work for the YOU the consumer. Trustees Work for your Creditors.
4 Pillars Debt Consultants offer their clients real Debt Help. They work on your behalf to find you the best solution to deal with your debt. That solution may be a comprehensive debt restructuring plan, it may include debt consolidation, or creating a realistic budget. 4 Pillars will analyze your finances and present the best Debt Settlement options for YOU and your particular situation!
If your only option turns out to be Bankruptcy or a Consumer Proposal, there are a few facts you should know:
1) When filing for Bankruptcy or a Consumer Proposal you are legally required to file with a Licensed Insolvency Trustee, formerly known as a Bankruptcy Trustee.
2) Your Licensed Insolvency Trustee or LIT is NOT legally required to work in your best interests. In fact, that Trustee has several statutory obligations under the Act, none of which is to act as a financial advisor to a consumer struggling with consumer debt.
3) Your LIT is not obligated to help you get the best possible result when making a consumer proposal or filing for bankruptcy.
4) The LIT has a fiduciary duty to your creditors.
However there is good news.
5) You are perfectly within your legal rights to hire an expert of your own to navigate the process, advocate on your behalf, and ensure you get the best possible outcome for your personal situation.
In fact when considering a Consumer Proposal or Bankruptcy having an advocate like 4 Pillars will always be to your advantage. 4 Pillars Debt Consultants work for you and only you. There is no conflict of interest with your creditors because 4 Pillars’ priority is to reduce your debt by up to 80 percent. They will work with you on a comprehensive credit rebuilding plan to ensure you are not left vulnerable for future financial challenges. Your 4 Pillars Debt Specialist will create a debt strategy that will have you debt free within 5 years, and they do it without judgement or blame. Cause that’s what friends do.
4 Pillars Creates Lasting Solutions
Trying to get rid of your debt on your own can be an overwhelming and often humiliating experience. But it doesn’t have to be because you are not alone. A 4 Pillars Debt Specialist is a financial expert who works to create the best solution for your financial situation. Because your debt has probably done a real number on your credit rating you may find it difficult to move forward financially. Fortunately, 4 Pillars has several programs in place to help repair and rebuild your credit, quickly and effectively. Your 4 Pillars Debt Specialist will help you create a realistic budget that lets you plan for your future. Since one of the first casualties of debt is hope, you may not think a debt free life is possible, and you dare not dream of a better future. However, your initial meeting with your 4 Pillars debt specialist will not only restore that hope, but you’ll walk away with the tools and confidence to create that brighter future.
If you’re unsure of your debt situation or how to proceed, 4 Pillars online Debt Bootcamp can help educate you. Sign up for free at 4Pillars.ca. Aside from Debt Settlement and Credit Rebuilding, 4 Pillars also offers a comprehensive After Care Program ensuring you are a valued client for life. It’s a fact, over 97% of 4 Pillars clientele have successfully completed their debt restructuring plans making 4 Pillars an industry leader in Canada. In fact, the 4 Pillar’s After Care Program is so successful that competing companies have sent their clients to 4 Pillars for the tools to stay out of debt, and ensure they are able to reach their financial goals.
4 Pillars Culture of Caring
4 Pillars has helped thousands of Canadians see their way out of debt. With a little tenacity and persistence, our Debt Specialist in Barrie Ontario was able to help a young family avoid bankruptcy and reduce their debt from $120,000 to $19,500.
A young Ontario family approached 4 Pillars looking for help with their debt. They’d been to a Trustee in Toronto who told them they could only reduce their debt to $81,000 leaving them with a monthly payment of $1350. This amount was still more than they could afford and they feared they would soon lose everything. The 4 Pillars Debt Specialist knew there were better options for this hard working family and she set out to reduce their debt even further. Through perseverance she negotiated with the bankruptcy trustees to structure a Consumer Proposal this young family could afford; taking their monthly payments from a staggering $3500 a month to an affordable $350 a month over the next 60 months!
Hi, I’m Jim Ferguson, your 4 Pillars Debt Specialist in Hamilton. Over the next two installments we’ll be talking about the approach credit counsellors and trustees take with your debt. I will also show you how good your debt free future is going to look.
To learn more about debt settlement or if you have any concerns about your own debt situation, call me today to set up your free initial consultation. Call 905-528-7887.
4 Pillars Debt Solutions. Visit us at 4Pillars.ca
