Debt Issues, Who Can You Trust? 4 Pillars West Kootenays
The world is full of alleged quick fixes. Need to lose weight? Take this pill. Need to get ready for swim suit season? Drink this. Need to look 10 years younger, there’s a procedure for that too. Do these things actually work? I supposed that depends on your expectations. Even if these quick fixes do the trick in the short term, the weight comes back, the lines return, and you often look worse than when you started.
When you’re struggling with Debt Issues, who can you Trust? Who can you trust to help you reduce your debt, eliminate it, and give you the tools to ensure you don’t fall back into debts grasp, ever again? This is a time to exercise caution because your debt has left you vulnerable. You are so desperate that it’s easy to hear the positive information they present and disregard the rest. If someone is offering you a quick fix for your debt, look for the catch, do your research. Listen to what you’re being told and what you’re not being told.
A reputable Debt Specialist will encourage questions. So 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, as are your long term financial goals. As a result both need to be understood and considered before any strategy is created. Your debt issues are short term but your financial goals are not. Therefore, any strategy devised to deal with your debt needs to take into account your current situation and your financial goals for the future.
I’m Robert Osborne, your 4 Pillars Debt Specialist in the West Kootenays. As a 4 Pillars Debt Specialist I work for you, not your creditors. I am in no way affiliated with your creditors, no independent Debt Specialist should be. The first thing I want to do is put your mind at ease. It is my job to lessen the burden of your debt, help negotiate it down sometimes by up to 80%, and give you the tools to pay it off while rebuilding your credit and setting up 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?
No, 4 Pillars Debt Solutions is not a scam. Somedays it may seem like we’re too good to be true. However, 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. 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
Unlike other debt companies, 4 Pillars holds a rare position in the marketplace. Many of our competitors are either funded by your creditors or have a fiduciary duty to them. At 4 Pillars that is not the case. 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 remain impartial.
We’ve been creating strategies to get Canadians 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 get to play an instrumental role in helping my clients get out of debt and grow financially. I am very proud to say many of my clients have gone on to a comfortable retirement, some are now homeowners, and some are starting their families.
To hear their stories and thousands more, click here to read our client testimonials
A Healthy Dose of Skepticism
When you’re looking for debt help you’re looking for transparency. So I encourage my clients to ask questions. I also encourage them to look us up at the Better Business Bureau, we’re very proud of our A+ rating.
Whether talking to 4 Pillars West Kootenays, 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 thrive. Click the link below for the 4 Pillars location near you.
What’s In It for You?
Here’s a fun fact, 4 Pillars Debt Solutions restructures almost $1 Million of debt every day? A lot of expertise and experience makes up 4 Pillars. And if I don’t have the answer you’re looking for, I have a team of experts sitting behind me who do. With 4 Pillars on your side 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.
Ask any of my 4 Pillars colleagues and they can tell you stories about clients who have left their offices with the weight of the world lifted off their shoulders. Knowing you can help bring someone that kind of peace of mind is a wonderful thing. At 4 Pillars in the West Kootenays, I listen to your concerns and your hopes for the future, I then create a Debt Settlement Strategy that is going to work best for you. I’m the one creating the plan to deal with your creditors, keeping you informed every step of the way. If you’ve been led to believe that bankruptcy is your only option, talk to me. 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 issues with your debt or if you’d like to find out about possible debt settlement options, call me, Robert Osborne at 4 Pillars in the West Kootenays, (250) 365-8070. There is no quick fix to resolving your debt issues, but we can show you a healthier way to get your life back while achieving your goals.
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.
