How does 4 Pillars Edmonton Set Me Up for Life?
(An alternative approach to Trustees and Credit Counsellors.)
If you can envision your future you can make it happen. It’s the same psychology that sports doctors tell their clients. See the puck going into the net, be the puck going into the net, and then put the puck into the net. If you’re living under a mountain of debt it can be difficult to see past your bills. By this principle, when you envision your debt free life you will be that much closer to achieving your debt free life. Of course the athletes have to practice for hours on end, you just have to call 4 Pillars Debt Solutions.
I’m Pradeep Padmanabhan, your 4 Pillars Debt Specialist in Edmonton. Last month we examined the difference between having a Licensed Insolvency Trustee deal with your debt and hiring a 4 Pillars Debt Specialist. As it turns out, one of the roles of the trustee is to work on behalf of your creditors, where as a 4 Pillars Debt Specialist works just for you. In fact, at 4 Pillars we don’t just deal with your debt, we work with you to ensure you recover and grow financially from the experience. So, how does 4 Pillars Debt Solutions do this? Simply put, we make YOU our number one priority.
Educating Clients
The more you understand about credit and debt, the easier it is to avoid their pitfalls. If you are trying to sort your debt out on your own, you should know there is a lot of misleading information floating around but at 4 Pillars we give you the facts. We educate and support you throughout the whole debt settlement process, giving you the tools to stay out of debt, and grow financially. To avoid falling back in to debt we work with each clients, teaching them how to budget and plan for their debt free future. To date, over 97% of 4 Pillars clients have successfully completed their debt restructuring plans; making 4 Pillars an industry leader in Canada.
But there is more to the 4 Pillars story. Since 2005, we have been an integral part of developing Financial Literacy in Canada. The initiative began in here in Edmonton with the creation of a new platform of financial literacy tools. These tools were designed to help both social workers and non-profit organizations assist and educate low income families. It is 4 Pillars’ core belief that consumers who are more confident about money, are better able to build their savings, and will go on to create a better future for themselves and their families. Because ending the cycle of debt starts by educating consumers, 4 Pillars continues working to create and promote Financial Literacy programs for all Canadians.
The Clients for Life Philosophy
At a certain age your doctor is going to tell you to make some lifestyle changes or face some serious health repercussions when you get older. So you try to lose a few pounds, cut back on some of your vices, eliminate stress, and try to get more active. For most people to be successful in making these changes they need encouragement, a support system. Your doctor will make some recommendations and continue monitoring your progress, but you may find the road a little easier to travel if you have help.
When it’s time to get rid of your debt, you will find just taking the first step and calling 4 Pillars Debt Solutions will take a huge weight off your mind. Whether your debt settlement strategy is Consolidation or a Consumer Proposal, your 4 Pillars debt specialist will be there to represent your best interests every step of the way. But we don’t stop there. While you are paying off your debt, we are helping you rebuild your credit, build your savings, and picture your life after debt.
So, by the time your debt is paid, usually within 5 years, you will be prepared to achieve your goals. As a 4 Pillars CLIENT FOR LIFE you are welcome to our advice and assistance whenever you need it. We are just a phone call away.
Specialized Tools Exclusive to 4 Pillars
Instead of just taking care of your immediate needs, 4 Pillars takes a more holistic approach to debt. We step back and look at the bigger 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 your financial situation. As a result 4 Pillars is able to help their 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
If you can imagine your debt free life then you can imagine the joy that will come when you make your last payment. Your debt is gone, your credit is better than ever, and the debt free life you’ve been planning is waiting for you. For some, that life is home ownership, for others it includes more family vacations, whatever you want your future to look like, without debt blocking your view the possibilities are endless.
I’m Pradeep Padmanabhan, your 4 Pillars Debt Specialist in Edmonton. I take great pride in my work, knowing at the end of the day I’ve not only significantly reduced my client’s debt but I’ve taken the weight of the world off their shoulders. By helping my clients rebuild their credit and giving them the tools to stay out of debt, I know I’m making a difference in their lives.
I had gone to a trustee for a credit session and I left feeling deflated and lost. I waited 9 months trying to find another way out of this mess. I came across an ad by 4Pillars and Pradeep, had our meeting and left instant relief and hope. The process was so much less stressful. Pradeep worked for me, with me and not for the creditors. My Plan went thru and at a payment that is manageable and less than half of what the trustee wanted. Now no more headaches and I can move ahead. I would strongly recommend any person who is in debt and looking for a solution, to start working immediately with him and I am sure you will also feel the way I am feeling right now. I can’t thank Pradeep enough. A.F
I had never gone through a debt situation before and the feeling that I was letting everyone down upset me more. I was also overwhelmed on what to do. I was thinking that I will someday get money from somewhere and this problem would vanish. All this made me procrastinate, which only added stress because it was becoming difficult for us to make end meet. I was losing sleep and my relationship was also suffering. I would thank god for helping me realize that this debts was not going away and used the services of Pradeep. I must admit initially I was a little skeptical. The reason was that I had approached Banks earlier to find out a way out this mess and I was told by them that they could not help me. They told me that I had excellent credit but was a very risky client. Like most of people I thought that Banks were the only source of advice. When I met Pradeep, he was very professional and compassionate in our meeting and explained all the options I had. He literally made me understand each step of the process, so that I knew exactly what I was doing. I was somewhat skeptical even till the end and was surprised when the creditors accepted our offer of paying back only a portion of the debt. I thank Pradeep for being so understanding of my situation and also taking off a huge burden of my shoulder. Patrick
We had incurred debt due to some poor choices and some due to circumstances. Frankly we did not know how to pay it. But because of 4 Pillars and Pradeep, our debt was reduced from $70,000 to $18,000. Our monthly payment is now down to $300. We had sacrificed a lot, to pay off our debts due to high interest and to catch up paying just the minimum every month. Bill was working two jobs for us to keep up with the payment required. We never had any savings and our kids did not get the stuff other kids get for themselves. We are now excited to be debt free sooner! I would strongly advice not to listen to the people who scare you about damage to credit. I now understand what Pradeep meant, when he said “Credit damage due to our option is temporary but financial damage because of servicing debts is permanent”. Those creditors or companies want you to continue paying the minimum payments. Because I had talked to a couple of other companies and individuals, I was overwhelmed with the information I had got. This forced me not to take any action. Now I understand that some of the information I had got from my search earlier was not at all correct. I only wish that I had come into contact with Pradeep earlier so that I could have taken action sooner. I can definitely say that Pradeep is passionate about his work. The help we got from him was beyond our expectations. We both truly respect you too much because you believed in us when no other person was not ready to help us. Jerry and Arlene
Next month we’ll take a more in depth look in to your debt free future. If you’re in the Edmonton area and you want to explore your debt settlement options or discuss your own situation, call me, Pradeep Padmanabhan at 4 Pillars Edmonton, for your free initial consultation. (780) 665-3767
4 Pillars Debt Solutions. Visit us at 4Pillars.ca
