How does 4 Pillars Hamilton Set Me Up for Life?
(An alternative approach to Trustees and Credit Counsellors.)
Last month we explored the difference between having a Licensed Insolvency Trustee or Bankruptcy Trustee deal with your debt and hiring a 4 Pillars Hamilton Debt Specialist. If you are filing for Bankruptcy you are legally required to work with a trustee. However, you should know that the trustee is accountable to your creditors. It can be to your advantage to have your own debt specialist to ensure your best interests are being represented. 4 Pillars doesn’t just deal with your debt, they work to ensure a reduction in debt up to 80%. They find you the best options to settle and pay off your debt; options that fit your life and won’t leave you broke and without credit. Many people are surprised to learn they can settle their debt without having to go bankrupt. So, how does 4 Pillars do this? Simply put, they make YOU their number one priority.
Educating Clients
One of 4 Pillars’ best tools is their ability to educate their clients, helping them rebuild their credit, and giving them the confidence to see their lives beyond debt. There are a lot of debt companies that give out misleading information. But 4 Pillars Debt Solutions makes sure you get all of the facts. 4 Pillars’ clients are educated throughout the whole debt settlement process, given the tools to stay out of debt, and grow financially. Here’s a fun fact that no other debt company can claim; over 97% of 4 Pillars clients have successfully completed their debt restructuring plans; making 4 Pillars an industry leader in Canada.
It’s is not just 4 Pillars clients who benefit. Since 2005, 4 Pillars Debt Solutions has been an integral part of developing Financial Literacy in Canada. They were instrumental in creating a new platform of financial literacy tools designed to help both social workers and non-profit organizations assist and educate low income families. 4 Pillars believes that consumers who are more confident about money, and better able to build their savings, will go on to create a better future for themselves and their families.
The Clients for Life Philosophy
If you’ve ever joined a gym because of the great rate you probably visited a couple times then lost interest. Most people do for a variety of reason. Most people also continue paying the low monthly rate because they don’t want to lose that offer and, you know, they’ll get back to working out… someday. What’s the longest you’ve ever paid for a gym membership you never used? Did the gym ever follow-up with you, ask why you’d stopped, or offer to stop taking your money since you hadn’t worked out in months? Of course not, they just keep debiting your account whether you’re showing up or not. No sweat!
When you’re ready to whip your debt into shape, you want a supportive environment that is going to help get you into your best fighting shape. Like a personal trainer for debt, your 4 Pillars debt specialist is with you throughout the whole process. Whether your debt settlement strategy is Consolidation or a Consumer Proposal, 4 Pillars will represent your best interest from start to finish. But the relationship doesn’t stop there. Your 4 Pillars Debt Specialist will also help you rebuild your credit, build your savings, and plan for life after debt. They show you how to create a realistic budget and how to keep from falling back into debt.
Within five years, often less, you will be debt free. But that doesn’t mean the end of your relationship with 4 Pillars. As a 4 Pillars CLIENT FOR LIFE you are able to seek out advice and assistance whenever you need it. Your 4 Pillars Debt Specialist is just a phone call away.
Specialized Tools Exclusive to 4 Pillars
When it comes to dealing with your debt 4 Pillars doesn’t give you some cookie cutter solution. This isn’t a one size fits all situation. They take a more holistic approach; stepping back and looking at the big picture. Over the past 15 years 4 Pillars has created Debt Restructuring Programs that take into account the many unique aspects of each 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
Fast forward a couple of years and you’re debt free. Your debt is gone, your credit is stronger. Suddenly those distant dreams are on the verge of coming true. With the tools and confidence you’ve received from 4 Pillars you can start moving forward. So, what do you want your future to look like? Without debt holding you back, your future looks pretty good!
I’m Jim Ferguson your 4 Pillars Debt Specialist in Hamilton. Nothing brings me more joying then not only helping my clients get out of debt, but showing them how to reach their financial goals. I don’t like to brag, so I’ll let some of my clients do it for me.
I just want to express my sincere gratitude for what you have done for my family. Because of your hard work, professional approach, and the dedication you’ve shown to us, we are now journeying towards a brighter future! This was unimaginable several months ago! You not only gave us help, you gave us hope and most importantly you gave us a reason to live and dream again! Blessings be unto you! Thanks again for helping us to breathe and for giving me the opportunity to sleep at night without worry or fear. Mary T, Hamilton, On
I would personally like to thank you for your help in solving my financial problems. Two years ago I was swimming in debt, no-where to turn, not getting anywhere. Most of all not being able to retire and I was over 65. Out of desperation we came to see you, I’m sure glad we did. For the first time in my life I am not tied down with debt and can enjoy my retirement. Brian H, Hamilton, On
My small business had run into problems which over time put me in a lot of debt. It put me in a stagnant situation without being able to move forward with my life or career. Jim advised a plan that decreased my debt by almost 70% for a small monthly payment. This has helped me to save money again and has greatly improved my situation. Daniel F, Hamilton, On
For myself personally, I knew I needed to find a solution to my financial situation. I had spoken with other people in Jim’s field but didn’t feel comfortable when I met them like I did when I met Jim. He was very personable and his first impression was very good which made me feel at ease. He was able to get me back on track and he explained things in a way that was very easy to understand. I would recommend Jim to anyone. He is trustworthy, professional, and really just a good person. That goes a long way in my books! Darren C, Hamilton, On
I felt as though I was being suffocated by my debt. I called Jim and set up a time to meet him. Within the first 20 minutes I felt a huge relief. His expertise was exactly what I needed. He helped me get back on track and put money back in my pocket. Jim walked me through everything step by step and I am grateful for all he has done for me and my family. Darlene G, Hamilton, On
I truly want to thank you for all that you were able to do for us. I am now able to sleep. No more huge weight on my shoulders no more phone calls!!! I received, a statement a couple of months ago, that read ….. PAID IN FULL from Revenue Canada!!!!! Wow, I am so glad we found you. You made me feel so comfortable, even though I truly was a wreck. Cheryl P, Hamilton, On
In our next installment we’ll take a more in depth look in to your debt free future. In the meantime, feel free to call me, Jim Ferguson, with any questions or concerns about your own debt situation. Your initial consultation is free. (905) 528-7887.
4 Pillars Debt Solutions. Visit us at 4Pillars.ca
