4 Pillars or A Licensed Insolvency Trustee: your best option in Peterborough
You’ve struggled with your consumer debt for longer than you care to admit. And what has it gotten you, sleepless night, and endless worry, fear of creditor calls, emails, and texts. Your relationships are strained. Your job performance is lacking because you’re exhausted and people are starting notice which only adds more stress and worry. Don’t ask yourself how did I get here? Ask yourself ‘how do I get out?’ Settling your debt can be an overwhelming task. But there are some questions you need to ask.
Who can you trust to solely work on your behalf and guide you through the debt maze?
Who has the expertise to focus on what is in your best interests, to see you through this stressful time and help you rebuild your credit and your financial future?
4 Pillars Debt Peterborough Consultants work for the YOU the consumer. Trustees Work for your Creditors.
If you are considering Bankruptcy or a Consumer proposal to settle your debt, make sure you have all the facts.
1) You are legally required to go through a Licensed Insolvency Trustee, formerly known as a Bankruptcy Trustee.
2) A Licensed Insolvency Trustee or LIT 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 Trustee is not obligated to help you get the best possible result when making a consumer proposal or filing for bankruptcy.
4) The LIT have a fiduciary duty to your creditors.
But it’s not all doom and gloom. There is a light at the end of the tunnel.
5) Legally you are within your right to hire your own expert to navigate you through the process, advocate on your behalf, and ensure you get the best possible outcome for your personal situation.
Hey, if you been a renter most of your life you don’t just walk up to a house with a ‘for sale’ sign and tell them you want this one and leave them a bunch of post-dated cheques. First, you need a mortgage. Now, you can stroll into the bank, fill out an application, and they may or may not approve you for one kind of mortgage, on their terms. OR, you can go to a Mortgage Broker who is going to explore several mortgage options, terms, and interest rates, from a variety of lenders… each vying to give you the best deal because they want your business, unlike the banker who you just feels entitled to it.
If you are filing for Bankruptcy or a Consumer Proposal, we don’t believe it is not in your best interest to deal directly with the Trustee. If you want the best possible outcome you’ll need an advocate of your own. 4 Pillars Debt Consultants work for you and only you. 4 Pillars’ 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. In fact, 4 Pillars will see you debt free within 5 years, and they will get you there with compassion, and understanding.
4 Pillars Creates Lasting Solutions
Your 4 Pillars Debt Specialist is a financial expert who works to create the best solution for your financial situation. Because your debt has no doubt damaged your credit rating you may find it difficult to move beyond that debt. Fortunately 4 Pillars has several programs in place to help you rebuild you credit in a timely fashion. They will even 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 offers an online Debt Bootcamp. Sign up for free at 4Pillars.ca. 4 Pillars also offers a comprehensive After Care Program making you 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. 4 Pillar’s After Care Program is so successful that competing companies have been sending their clients to 4 Pillars to ensure they have the tools to not only stay out of debt, but 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!
Hello, my name is Adrian Moore. I’m your 4 Pillars Debt Specialist in Peterborough. In the next two installments I’ll explain the approach credit counsellors and trustees take with your debt and then I’ll give you a glimpse at what a life without debt really looks like. *hint, you’ll be sleeping much better!
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. (705) 201-1327.
4 Pillars Debt Solutions. Visit us at 4Pillars.ca
