Debt Issues, Who Can You Trust? 4 Pillars Kamloops
Everyone has debt issues. The moment you get your first credit card, fill out a loan application, or borrow a couple of bucks from a buddy, you’re in debt. Sometimes the debt is temporary, you pay your buddy back at the end of the week. You pay your credit cards in full every month, and that loan comes with a payment structure that will have it paid off within a set period of time. So, what is the issue?
Well, debt and the human experience don’t always mix. Whether that human experience is an unforeseen events that prevent you from paying off your debt quickly, or it could be simple human nature, that is the idea that credit is free money or a license to spend as long as you make your minimum payments. Your creditors don’t seem to mind, in fact they almost encourage it. They raise your credit limit, offer you rewards for using your card, some even give you cash back. All the while your debt is growing, along with your interest rates, the minimum payment you now owe, and the fees you get charged if your payment is late. Before you know it, you are in debt and you’re having trouble seeing your way past it. Now it’s an issue.
Debt creates stress, more than you realize. It affects your peace of mind, your emotional well-being, your sleep habits, your relationships, even your self-esteem. Debt leaves you depressed, hopeless, and scared. Your financial security is in jeopardy and your dreams for the future have slipped away. Debt also leaves you vulnerable to someone who might claim to be able to help with your debt, but in reality will leave you in worse shape than you started.
When you’re ready to deal with your debt issues, do it with your eyes wide open. Know who is offering this debt assistance, and what exactly they get out of the deal. Do your homework, and don’t be shy about it. A reputable Debt Specialist encourages you to do your homework. Don’t just google them, do your own research, talk to the Better Business Bureau, and most importantly, ask questions. What you’re looking for is transparency, and if they can’t offer it, walk away. Some things to consider when looking for debt help:
- If they aren’t charging you, how they’re getting paid.
- Get a detailed explanation of how they work and what exactly they are going to do to help you. (Remember, a successful debt settlement strategy goes beyond your debt, it should help you create a sustainable budget and provide a comprehensive credit rebuilding program.)
- Are you greeted with genuine compassion or are you scolded and shamed for creating your debt.
- Are you able to talk to them in person or are you dealing with a call center.
- Does it feel like these people genuinely care and understand your situation, or are you treated like number and offered a cookie cutter, one size fits all, debt plan.
Everyone’s debt is unique to their own situation. However your goals and dreams for the future need to be taken into consideration before any debt settlement strategy is created. I’m Bob Hauck, your 4 Pillars Debt Specialist in Kamloops. The key to moving forward and taking hold of your financial future is getting control of your debt. It’s my job to ensure your debt is dealt with in a manner that best suits you and your situation.
Is 4 Pillars Debt Solutions a Scam?
You’ve heard the saying, “If it seems too good to be true, it probably is”. 4 Pillars may seem too good to be true, but the fact is over the last 15 years we have created a program to deal with debt that we believe is the most successful and most comprehensive in Canada. Yes, we do charge a fee for our services. But, with that fee comes the assurance that we are not impartial. We represent your best interest and we have no obligations or duties to your creditors. We work for you.
To read the 4 Pillars promise in full, click here
Many other companies are either funded by your creditors or have a fiduciary duty to them. At 4 Pillars it’s our belief that when you are in the debt advisory business you either represent the debtor or your represent the creditor. You can’t do both and remain impartial. Period.
Since 2002 4 Pillars Debt Solutions has been helping Canadians out of debt, and giving them the tools to stay out of debt. As a result, 97% of 4 Pillar’s clients have successfully completed their debt restructuring programs and are now experiencing freedom from debt. And with our help they have been able to rebuild their credit, quickly and effectively. So, by the time their debt’s been paid off, their credit is even stronger.
As a 4 Pillars Debt Specialist I have proudly watched as my clients get out of debt and move on to securing their future. Some are first time home owners, some are starting families, some are paying for their kids’ university, and some are getting ready to retire.
To hear their stories and thousands more, click our the client testimonial link.
A Healthy Dose of Skepticism
As your 4 Pillars Debt Specialist, ask me the tough questions. If I don’t have the answer I will get it for you. With transparency and trust we can start dealing with your debt and paving the way to your future. So go ahead and search 4 Pillars Debt Solutions at the Better Business Bureau, we’re very proud of our A+ rating.
Whether you’re seeking debt help from 4 Pillars Kamloops, or one of the other 4 Pillars locations across Canada, you will be met with compassion and respect, by a professional who wants to see you debt free and thriving. We have over 60 offices across Canada. Click the link for the 4 Pillars location near you.
What’s In It for You?
Did you know 4 Pillars Debt Solutions restructures almost $1 Million of debt every day? So you can be confident that you are working with a proven winner when it comes to reducing your debt, rebuilding your credit, and paying off that debt all while budgeting your present, and planning your future.
At 4 Pillars Kamloops my team and I hear your concerns about debt and we’re listening when you tell us your hopes for the future. We take your information and create a Debt Settlement Strategy that is going to work best for you. We give you options. We create a plan to deal with your creditors and help reduce your debt by up to 80%. And, we keep you informed every step of the way. We teach you how to budget and provide other helpful financial education. If a consolidation loan is going to work for you, we help secure it. If a Consumer Proposal is your best solution, we will be there to help you structure the proposal on your terms as we represent you throughout the whole process. Regardless of the route we take, we are working on your behalf, representing your interests and creating a map to guide you out of debt and onto a stronger financial future. If you’ve been led to believe that bankruptcy is your only option, talk to us. We may be able to find you a less drastic solution.
If you have concerns about your debt or if you’d like to discuss your debt settlement options, call me, Bob Hauck at 4 Pillars Kamloops, (250) 434-4505. Everybody has issues, but when those issues are compounded by debt, we are here to get you through it.
To learn more about 4 Pillars Debt Solutions. Visit us at 4 Pillars.ca. And don’t forget to sign up for our Debt Boot Camp.
