Debt Issues, Who Can You Trust? 4 Pillars Victoria
In this day and age it seems like everybody is working an angle; dazzling you with their right hand while picking your pocket with the left. As a result we’ve become cynical, never fully trusting anyone. We live by the adage “if it seems too good to be true, it probably is”.
If you‘ve been struggling with debt you may be at a point where you’re so desperate for it to end that you make yourself vulnerable. You hear what you want to hear and disregard the rest. Or, you’ve already been burnt by someone claiming to be an expert only to find yourself deeper in debt and at risk of losing everything you own.
So you do your research, that’s good. In fact a reputable Debt Specialist wants you to do your homework. And 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. (Remember, 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.)
Are you greeted with judgement and blame or genuine compassion and understanding?
Are you able to deal with an expert, face to face, or are you left to talk to a call center.
Does it feel like these people genuinely care about you, with an understanding of your situation, or are they treating you like another file to process, sending you off with a cookie cutter, one size fits all, debt plan.
Your debt situation is as unique as you are, your long term financial goals are YOUR goals and dreams for the future and they should be understood and considered before any plan is created. Financial challenges are short term but your financial goals and dreams are long term and any plan to deal with your debt should take them into consideration, making them more achievable.
In your search for debt help there must be transparency. Listen, not only to what the ‘experts’ tell you, but also listen to what they DON’T tell you. I’m Benjy Houser, your 4 Pillars Debt Specialist in Victoria. When your financial future is at stake, don’t be shy. When you’re looking for debt help, keep your eyes and ears open, but don’t be afraid to trust your gut.
Is 4 Pillars Debt Solutions a Scam?
No. 4 Pillars Debt Solutions is not a scam. Granted, it may seem like we’re 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 provide a service for which we do charge a fee. However, with that fee comes our promise and 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
This is a rare position in the market as many other companies 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 your represent the creditor. We don’t believe you can do both and be impartial. Hey, if you and your spouse were getting a divorce would you hire the same lawyer? Probably not.
Since 2002 4 Pillars Debt Solutions has been creating strategies and tools to get Canadians out of debt, and keep them out of debt. As a result of the 4 Pillars approach, 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. So, by the time their debt’s been paid off, their credit is often stronger than ever.
As a 4 Pillars Debt Specialist I am proud to say I have clients who are now home owners, successful business owners, clients who are now able to retire with confidence. All outcomes they never thought possible when they were carrying their debt. To hear their stories and thousands more, click on the client testimonial link below.
A Healthy Dose of Skepticism
As your 4 Pillars Debt Specialist, I want you to be skeptical and ask me the tough questions. That tells me you’re serious about dealing with your debt. Good, because I’m serious too. Remember, 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 you’re seeking debt help from 4 Pillars Victoria, or one of the over 60 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. Click the link below for the 4 Pillars location near you.
What’s In It for You?
Not to brag but 4 Pillars Debt Solutions restructures almost $1 Million of debt every day. So what’s in it for you? The knowledge that you are working with a proven winner when it comes to helping reduce your debt, rebuilding your credit, and paying off that debt all while budgeting your present, and planning your future.
One of the first things 4 Pillars Victoria offers our clients is peace of mind. My team and I listen to your concerns about debt and your hopes for the future. We analyze your situation and start putting together the Debt Settlement Strategy that is going to work best for you. We present you with options, we create a plan to deal with your creditors and help reduce your debt by up to 80%. We keep you informed every step of the way. So whether your debt solution is budgeting and financial education, debt consolidation, or even a consumer proposal, we are working on your behalf, representing your interests and creating a road map that will guide you 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 Houser at 4 Pillars Victoria, (250) 882-5556. PT Barnum once said ‘there’s a sucker born every minute.’ Well, I say NOT ON MY WATCH!
To learn more about 4 Pillars Debt Solutions. Visit us at 4Pillars.ca. And don’t forget to sign up for our Debt Boot Camp.
