Debt Issues, Who Can You Trust? 4 Pillars Nanaimo
When you’re struggling with Debt Issues, who can you Trust? In this buyer beware culture we live in, who can you trust to help you resolve your debt issues. You’ve tried doing it on your own, only to find yourself further in debt. You’ve turned to friends and family but that usually resulted in a humiliating exercise in self-loathing. Your bank, your creditors, they may offer some help but in the end they just want their money back, all of it plus interest, regardless of the cost to you.
When you’re struggling with debt you are so desperate that you make yourself vulnerable to unscrupulous businesses who often leave you in a worse financial mess than you are in now. When you’re looking for debt help it is very important that you keep your eyes and your ears open. We’re human, and at times we hear what we want to hear and disregard the rest. This is not that time. When you’re looking for debt help, do your research, don’t be shy and don’t be afraid to trust your gut.
Any reputable Debt Specialist will encourage you to do your homework. Don’t just google them, talk to the Better Business Bureau, seek out former clients, and don’t be afraid to ask questions.
- If they aren’t charging you, ask them how they’re getting paid.
- Ask for references. (Remember, they should be working for you!)
- Ask for a detailed explanation of how they work and what exactly they are going to do to help you. (A successful debt restructuring plan should go beyond just dealing with your debt, it should help you create a sustainable budget and provide a comprehensive credit rebuilding program.)
- Do they make you feel judged and blamed for your situation or do you sense sincere compassion and understanding?
- Do you talk with an expert face to face, or are you dealing with a call center.
- Does it feel like they genuinely care with an understanding of your situation, or are you just another file to process, sent away with a one size fits all, debt plan?
Your debt situation is unique to you. Your long term financial goals are YOUR goals and dreams for the future, therefore they should be understood and considered before any strategy is created. Your debt issues are short term but your financial goals are not, so any plan to deal with your debt must be considered to make those goals more achievable.
I’m Benjy Houser, your 4 Pillars Debt Specialist in Nanaimo. The first thing I will bring to your life is peace of mind. As your Debt Consultant I work for you, not your creditors. I am in no way affiliated with your creditors, no Debt Specialist should be. I am accountable to you, my client. And it is my goal to lessen the burden of your debt, help negotiate it to a manageable size, sometimes reducing it by up to 80%, and to give you the tools to pay it off within 5 years, while rebuilding your credit and planning for your future. In other words it’s my job to see to it you are debt free and thriving within 5 years, if not sooner!
Is 4 Pillars Debt Solutions a Scam?
Somedays it may seem like we’re too good to be true. However, over the last 18 years we have created a program to deal with debt that we believe is the most successful and most comprehensive in Canada. Yes, we provide a service for which we do charge a fee. But, with that fee comes our assurance that we work only for you, not your creditors. We are not impartial, we represent your best interest and we have no obligations or duties to your creditors.
To read the 4 Pillars promise in full, click here
4 Pillars holds a rare position in the market. Many of our competitors are either funded by your creditors or have a fiduciary duty to them. At 4 Pillars we take a simple approach; we believe when you are in the debt advisory business you either represent the debtor or you represent the creditor. We don’t believe you can do both and remain impartial.
At 4 Pillars Debt Solutions we’ve been creating strategies to get Canadians out of debt, and keep them out of debt, since 2002. As a result 97% of our 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.
As a 4 Pillars Debt Specialist I am proud of the work I do on behalf of my clients. Many are now debt free and are on their way to becoming first time home owners; some are going back to school, some are starting families, and most are feeling much better about their retirement.
To hear their stories and thousands more, click on the client testimonial link below.
A Healthy Dose of Skepticism
As your Debt Specialist I welcome your questions and I will address your concerns honestly and efficiently. And if I don’t have the answer, there’s a team of 4 Pillars debt experts sitting behind me who do. Remember, when you’re looking for debt help you’re looking for transparency. That’s why I encourage you to look us up at the Better Business Bureau, we’re very proud of our A+ rating.
Whether talking to 4 Pillars Nanaimo, or one of the over 60 other 4 Pillars locations across Canada, you will always be met with compassion and respect, by a professional who wants to see you debt free and thriving. Click the link below for the 4 Pillars location near you.
What’s In It for You?
Did you know that 4 Pillars Debt Solutions restructures almost $1 Million of debt every day? With 4 Pillars in your corner you can be assured you are working with a proven winner when it comes to reducing your debt, rebuilding your credit, and paying off that debt. And we get you there while helping you budget your present, and plan for your future.
I’ve had many clients tell me that upon leaving my office for the first time, they felt the weight of the world lifting off their shoulders. Peace of Mind, it’s a powerful thing and it’s just one of the fringe benefits that comes with 4 Pillars Nanaimo. We not only listen to your concerns about debt and your hopes for the future, we analyze your situation and put together a Debt Settlement Strategy that will work best for you. We present you with options. We create a plan to deal with your creditors. We keep you informed every step of the way. Some of your options may include budgeting and financial education, debt consolidation, or even helping you structure a consumer proposal. Regardless, we work on your behalf, representing your interests and creating a comprehensive guide to your financial future.
If you’ve been led to believe that bankruptcy is your only option, talk to us. If it’s determined that a Consumer Proposal is a better, less drastic option, we will be there to help you structure the proposal on your terms as we represent you throughout the whole process.
If you have concerns about your debt or if you’d like to discuss your debt settlement options, call me, Benjy at 4 Pillars Nanaimo, (250) 729-6500. If you’re going to trust your Debt Issues to someone, make sure they’re worthy of the task.
To learn more about 4 Pillars Debt Solutions. Visit us at 4Pillars.ca. And while you’re there, sign up for our free Debt Boot Camp.
