4 Pillars or A Licensed Insolvency Trustee: your best option in Nanaimo
You can’t take it anymore. Your debt has consumed your life, swallowed you up whole. You once had hopes and dreams, now you have stress and worry. Your debt has had a negative impact on your health, your job, and your relationships. If any of this sounds familiar to you here are some facts of life you need to hear.
There is no such thing as a free lunch.
The quick and easy recipe isn’t always the best.
Do your homework, get a good night sleep, and it will all look better in the morning.
When you are shopping around for debt help, suddenly everybody is an expert. But, are these experts working in your best interest or are they serving their own? If your debt has you considering Bankruptcy or a Consumer Proposal, do your homework, get a good night sleep and contact your 4 Pillars Debt Consultants in the morning.
4 Pillars Nanaimo Debt Consultants work for YOU the consumer. Trustees Work for your Creditors.
If you didn’t already know this, when filing for Bankruptcy or a Consumer Proposal you are legally required to go through a Licensed Insolvency Trustee. Formally known as a Bankruptcy Trustee, this person is NOT legally required to work in your best interests. WHAT??!! That’s right, the Trustee you require for you to file a bankruptcy or a consumer proposal has several statutory obligations under the Act, none of which is to act as a financial advisor to a consumer struggling with debt. Nor is it the role of the Trusteeto help you get the best possible result when making a consumer proposal or bankruptcy. In fact the Trustee actually has a fiduciary duty to your creditors.
Now just because you are legally required to file through a trustee, there is nothing preventing you from hiring your own expert to navigate the process, advocate on your behalf, and ensure you get the best possible outcome for your personal situation. If you take your car to the dealer because it’s making a funny sound, there’s a good chance you’re driving home with a hefty repair bill and a list of other pricy problems you need taken care of, immediately. However, if you take your car to an independent garage for a second opinion you may notice a big difference in the cost and urgency of the repairs. The guy at the dealership seems nice, and sure, he’s just doing his job. But his priority is making money for the dealership. Just like your Trustee’s duty to your creditors.
4 Pillars Nanaimo Debt Consultants work for you and only you. There is no conflict of interest. They will work to reduce your debt by up to 80 percent. Then they will put together a comprehensive credit rebuilding plan so you are not left vulnerable for future financial challenges. They will also work to ensure you are debt free within 5 years. And they do all of this with compassion and understanding.
4 Pillars Creates Lasting Solutions
When you work with a 4 Pillars Debt Specialist you align yourself with a financial expert; one who works to create the best solution for your personal situation. Because debt can wreak havoc on your credit rating, 4 Pillars has programs in place to help you rebuild you credit, quickly and effectively. Your Debt Specialist will help you create a realistic budget that lets you plan for your future. If you’re unsure of your debt situation or how to proceed, 4 Pillars online Debt Bootcamp helps educate you. You can sign up for free at 4Pillars.ca. And because of 4 Pillars comprehensive After Care Program, you’re not a forgotten number once your debt is dealt with, you’re a valued client for life. In fact over 97% of 4 Pillars clients have successfully completed their debt restructuring plans; making 4 Pillars an industry leader in Canada. As a matter of fact, 4 Pillar’s After Care Program is so successful their competitors send clients to 4 Pillars to ensure they have the tools to stay out of debt while reaching 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.
The young 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!
Hello there, I’m Benjy Houser, your 4 Pillars Debt Specialist in Nanaimo. Over the next two installments I’ll be taking the time to explain the approach that credit counselors and trustees take with your debt. I’ll also give you a glimpse into your debt free future.
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. (250) 729-6500
4 Pillars Debt Solutions. Visit us at 4Pillars.ca
