Rags to Riches: A Debt Help Success Story in Ajax, Pickering, Uxbridge
I’m Kyle Roberts, your 4 Pillars Debt Specialist in Ajax /Pickering and the surrounding areas. When most people in debt get their credit card statements they look at the minimum payment and think ‘Good! That’s all I need to pay this month to keep my credit in good standing.’ Only it’s not. Something your credit card company may have failed to mention is that your minimum payment barely covers your interest and does nothing to reduce your principal. Have you ever noticed that the more you rely on making just the minimum payment the larger your debt grows? Increased interest rates, fees, and penalties all get added to your debt, the debt you are trying to pay off. 4 Pillars offers debt help in Ajax, Pickering, Uxbridge
I’ve seen many clients get caught in the minimum payment trap only to find their debt growing out of control until even the minimum payment is hard to make each month. One client, who I’ll call Kimberly, came to me in tears. Her frustration with her debt left her feeling like a failure. It had gotten to the point where she wasn’t able to pay all her bills every month, and this was after eliminating everything but the bare essentials. Now the power company was threatening to cut her off and her car was about to be repossessed.
Debt Help: The Power of Hope
When I met Kimberly she was desperate for real debt help. She also had a lot of questions. She couldn’t understand how she could get so far in debt when she did everything she was supposed to. She made her payments, every month, for as long as she could, but still ended up with this huge debt. I explained how just making the minimum payment wasn’t enough and assured her I could help. I put together a debt restructuring plan that included consolidating her debt through a consumer proposal filed with a Licensed Insolvency Trustee. I structured the terms to reduce her debt down from $45,000 to $12,000 and helped consolidated all of her debt into one low payment. We put together a realistic budget that would allow her to start saving for her future. Then we went to work to start rebuilding her credit. Kim will be debt free in less than five year and she couldn’t be happier.
4 Pillars Debt Consulting: There’s No Place like Home
Since 2002, 4 Pillars has been creating strategies to get Canadians out of debt, and keep them out of debt. As a result, 97% of our clients have successfully completed their debt restructuring programs and are now experiencing freedom from debt. With our help they have been able to quickly rebuild their credit and are on their way to achieving their financial goals.
4 Pillars creates strategies to restructure almost $1 Million of debt every day. So you can be confident that you are working with an industry leader when it comes to reducing your debt, rebuilding your credit, and paying off that debt all while budgeting your present, and planning your future.
With 4 Pillars by your side you get the support and professional expertise you need to deal with your debt. 4 Pillars was founded by three professionals who were tired of watching friends lose their businesses to debt. They did their homework, combined their financial expertise and started a company that would ensure no one would be controlled by their debt again.
As your 4 Pillars Debt Specialist in Ajax, Pickering, and Uxbridge, it’s my goal to make sure you are debt free and on your way to reaching your own financial goals, as quickly as possible. Your first consultation is always free. Once I have a good picture of your debt situation and where you’d like to see yourself financially, I get to work. I put together a Debt Restructuring Plan that will work best in your situation. I’ll create the plan to deal with your creditors, navigating you through all of the financial terminology. I will work to help reduce your debt by up to 80% and see to it you are debt free within five years! Once your restructuring plan is in place we’ll go to work to rebuild your credit.
If you have questions about your debt or would like to learn more about your debt restructuring options, call me. I’m Kyle Roberts, your Debt Specialist at 4 Pillars Ajax/Pickering/Uxbridge. (905) 767-3328. Kim’s debt situation was not unique as thousands of Canadians struggle with debt everyday. Get debt help in Ajax, Pickering, Uxbridge before its too late!
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