How does 4 Pillars Brampton Set Me Up for Life?
(An alternative approach to Trustees and Credit Counsellors.)
I’m Frank Eichinger, your 4 Pillars Debt Specialist in Brampton. In our last article we talked about letting a Licensed Insolvency Trustee deal with your debt verses hiring a 4 Pillars Debt Specialist to represent you through your debt settlement. One of the roles of the trustee is to work on behalf of your creditors and they have a fiduciary responsibility to your creditors. However a 4 Pillars Debt Specialist, such as myself, represent you and you alone. There is no conflict of interest because you are our number one priority.
Educating Clients
There are a lot of so called experts out there; all claiming to know the best way to deal with your debt. But, how can they really help you when they don’t bother to get to know you or your situation. At 4 Pillars we believe the more you understand about your credit and your debt, the easier it is to avoid the pitfalls of both. So we analyze and strategize your situation to present you with options that will work with your life. We educate you while navigating you through your debt settlement, and we give you the tools you’ll need to stay out of debt. As a result, 97% of our clients have successfully completed their debt restructuring plans; making 4 Pillars an industry leader in Canada.
But we don’t stop there. Since 2005, 4 Pillars Debt Solutions has played an important role in the development of Financial Literacy in Canada. The initiative began in Edmonton with the creation of a new platform of financial literacy tools designed to help both social workers and non-profit organizations assist and educate low income families. It is our belief that ending the cycle of debt starts by educating consumers. So we continue working to create and promote Financial Literacy programs for all Canadians.
The Clients for Life Philosophy
When you’ve been diagnosed with a long term illness your doctor doesn’t just give you a pamphlet and send you on your way. There are tests, there are follow up appointments, referrals to other specialists, conversations about care, lifestyle changes, education and support. When that long term illness is DEBT then what you need is a team of professionals working to present you the very best, well rounded debt help that will fit into your life. Your 4 Pillars Debt Specialist will be by your side every step of the way. Whether your debt settlement strategy is Consolidation or a Consumer Proposal, 4 Pillars is there to represent your best interest until your debt is paid. But the relationship doesn’t stop there, while you are paying off your debt, we are helping you rebuild your credit and improve your savings. Plus we are teaching you how to budget; showing you how to avoid the traps that could send you back into debt.
As a result, when you debt is finally paid off, in as little as 5 years, you will have the tools and confidence to continue your journey into the future you’ve always wanted for your family. At 4 Pillars we don’t consider you a client, we think of you as a CLIENT FOR LIFE. As such we are available to you whenever you need our advice or assistance.
Specialized Tools Exclusive to 4 Pillars
Instead of just taking care of your immediate needs, 4 Pillars takes a look at the big picture, Life after Debt. Over the past 15 years 4 Pillars has created Debt Restructuring Programs that take into account the many unique aspects of one’s overall financial situation. As a result we are able to help our clients recover and rebuild faster than any other program out there.
BUDGETING: It sounds simple yet it’s surprising how many people don’t have a realistic budget. 4 Pillars teaches you how to live within your means and track spending. In fact, something as simple as a budget is one of the most important tools for creating stability within the family.
PROPOSAL PROTECTION: This program is exclusive to 4 Pillars. It is designed to protect the payments made on a Consumer Proposal; should the client pass away or become sick, or get hurt due to an accident, the payments are made on the Consumer Proposal, helping avoid bankruptcy or being put back in the same financial position they worked so hard to get out off.
PHOENIX LOAN: When you are in a Consumer Proposal your payments do not work toward improving your credit score. The Phoenix Loan is also exclusive to 4 Pillars. It allows clients to qualify for a loan to pay out their consumer proposal giving an immediate jump in the credit score of up to 70 points and removes the consumer proposal up to 5 years sooner than making regular payments. The Phoenix Loan is an interest bearing loan that reports on your credit score to help speed up the credit rebuilding process.
CAR LOANS: Exclusive to 4 Pillars this program allows each client to qualify for a car loan at a significantly lower rate than they would otherwise qualify for given their current financial situation. This program ensures the client can get an updated vehicle in good condition with a solid maintenance record. This program also let clients avoid dealerships who would take advantage of their situation, huge payments, negative equity and high interest rates. 4 Pillars wants to get you in a safe new vehicle without being taken for a ride.
CREDIT CARDS: 4 Pillars has special relationships with credit card companies who are willing to approve an unsecured credit card based on how well the client is educated in financial literacy as well as 4 Pillars’ reputation for success. Remember, 97% of 4 Pillars clients have successfully completed their debt restructuring plans.
4 Pillars is able to offer these and many other programs to their clients because of the strong relationships they’ve built with like-minded financial planning companies, one of whom has the motto No Family Left Behind… 4 Pillars agrees.
The Promise Land of Real Opportunity
So what does your life look like after debt? With 4 Pillars on your team you’ll find yourself with the tools and confidence to take on the world. With your debt gone and your credit stronger than ever, you are entering the promise land of real opportunity. Home ownership, world traveler, college graduate, writing the great Canadian novel, if you’ve dreamt it, you are finally in a position to make it happen
As a 4 Pillars Debt Specialist in Brampton I take great pride in being able to help my clients get out of debt. As a member of this community nothing brings me more joy than being able to help my neighbors reach their financial goals.
Working with Frank was a fantastic experience. Despite having to deal with a very uncomfortable and stressful situation, Frank was focused on getting me the best settlement possible, while reassuring me that progress was being made and a better financial future was ahead. He was always extremely easy to talk to and very easily reached when I needed answers. I wouldn’t hesitate for a moment to recommend Frank’s services. Truly made a positive experience out of something that was absolutely consuming my life. Thanks to Frank, I AM DEBT FREE!!! And I plan to stay that way. I couldn’t be more grateful. Charlotte, Brampton
Frank Eichinger has truly changed my life! I was referred to 4Pillars by my WFG financial adviser because I was dipping in to one debt to pay for another, my debt was not improving, and there was nothing left over. My debt was clearly out of control and I needed help… fast. After providing Frank with the required documents, within a few months my debt dropped from an unmanageable $125,000 to just $30,000. Not only that, but, 4Pillars is also helping me rebuild my credit score, quickly. Thanks to Frank, I am truly feeling back in control. I still haven’t even truly grasped how much he has really helped me. If you’re not sure, take it from me – 4Pillars is the way to go – no question! Looking back, it was a no-brainier, really, and it paid off big-time! I will always be grateful to Frank from 4Pillars. Thank you. Raj from Brampton, ON
When I first met Frank, I was feeling hopeless and extremely anxious. My debts were out of control due to a series of personal issues that stalled my new business. Frank immediately diagnosed my problem and worked hard to overcome the many complicated details involved with my situation. He created a solution that not only saved my business from Bankruptcy, but also saved me over $100,000.00. I highly recommend Frank without reservation. He delivered exactly what he promised, and provided me with piece of mind and reassurance that everything would work out. I remain grateful to Frank for giving me a fresh start. If you would like to learn more about my experience with Frank and 4 Pillars, I will gladly take your call. Sherry, Toronto, ON
It is great to know there’s someone out there that can help in times of financial difficulties. We really appreciate and are very grateful for all the help that you’ve provided. We have no more stress or worries about money, it is truly a relief. We now have our life back again. Thank you very much Frank! Will and Lois
Next month we’ll take a more in depth look in to your debt free future. In the meantime, feel free to call me, Frank Eichinger, with any questions or concerns about your own debt situation. Your initial consultation is free. (647) 447-4992
4 Pillars Debt Solutions. Visit us at 4Pillars.ca
