How does 4 Pillars in East Windsor Set Me Up for Life?
(An alternative approach to Trustees and Credit Counsellors.)
With the holidays fast approaching, a lot of children are working on their wish lists. As an adult, living under the overwhelming pressures of debt, I’m sure your holiday wish list is a little more somber. I’m Liliana Glen, your 4 Pillars Debt Specialist in East Windsor. If your holiday wish is a Christmas Miracle regarding your debt, together we can make the happen.
In our last installment I told you the difference between having a Licensed Insolvency Trustee deal with your debt and hiring a 4 Pillars Debt Specialist. The fact is, the LIT, aka Bankruptcy Trustee, works on your creditors behalf. Whereas a 4 Pillars Debt Specialist like myself works for you. If you are filing for Bankruptcy or a consuemr proposal in Canada you are legally required to go through a trustee, but you are perfectly within your right to have a debt specialist advocating on your behalf and looking out for your best interests. In fact, with a 4 Pillars Debt Specialist on your side you may discover that your debt can be settled without having to go bankrupt. As a 4 Pillars Debt Specialist I explore all of your options and work to get you the best debt reduction, up to 80%. Then we develop a repayment strategy that is going to work best for you.
Educating Clients
When you understand the intricacies of credit and the ramifications of debt you are in a better position to keep from falling back into debt. Of course, if you’ve been living with your debt for a while you already learned a lot of these lessons the hard way. As a 4 Pillars Debt Specialist it’s my job to educate you throughout your debt settlement journey, leaving you with the tools needed to recover and rebuild, financially. With this approach over 97% of 4 Pillars clients have successfully completed their debt restructuring plans; making 4 Pillars an industry leader in Canada.
Since 2005, 4 Pillars Debt Solutions has been an integral part of developing Financial Literacy in Canada. The initiative began with the creation of a new platform of financial literacy tools; tools designed to help both social workers and non-profit organizations assist and educate low income families in Edmonton. At 4 Pillars we believe that consumers who are more confident about money, and better able to save, will go on to create a better future for themselves and their families. Ending the cycle of debt starts by educating consumers. With this in mind 4 Pillars continues working to create and promote Financial Literacy programs for all Canadians.
The Clients for Life Philosophy
There are some relationships that start out solid and last forever. Others that run their course and simply fade away. Then there are the people in your life that you only see sporadically, but when you do it’s as if no time has passed at all. At 4 Pillars Debt Solutions we consider all of our clients, CLIENTS FOR LIFE.
The relationship begins when we evaluate your financial situations and strategize the Debt Settlement options that will work best for your personal situation. We work with you to help rebuild your credit. We also help you see the possibilities that await when you are free of your debt. Whether your debt settlement strategy is Consolidation or a Consumer Proposal, 4 Pillars is there to represent your best interests while giving you the tools to achieve the future you want for yourself. As your debt specialist I take great pride in helping my clients, teaching them how to budget, and showing them how to stay out of debt. As you reach the end of your debt settlement and begin your post debt journey, our conversations may decrease but as my CLIENT FOR LIFE, I will always be available when you need advice or assistance.
Specialized Tools Exclusive to 4 Pillars
4 Pillars takes a holistic approach to debt; instead of just taking care of your immediate needs, we look at the bigger picture; life after debt. For over 15 years 4 Pillars has been creating Debt Restructuring Programs that take into account the many unique aspects of your 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
Once your debt is gone you’ll feel lighter, less burdened by financial concerns, and for the first time in a long time you’ll see all of the possibilities in front of you. Homeownership, a healthy retirement, opening your own business. Without debt holding you back, these are all possible and 4 Pillars Debt Solutions is there to help.
As your 4 Pillars Debt Specialist in East Windsor I help people get out of debt. I give them the tools to stay out of debt, and help make their financial dreams a reality. I love what I do and if I can make someone’s life a little easier then I know I’m doing my job.
Liliana is a professional, with strong work ethics. She takes the time to learn and understands the needs of the peoples who seek her advice. With a solid background both in Finance and in Work Experience, Liliana is able to help her clients make informed decisions on their financial situations. Even if you have someone you trust, I would suggest you ask Liliana her opinion prior to moving forward. Trust in this industry seems to be getting harder and harder to earn, Liliana has earned mine. Debbie
You always have a way of making me feel so much better!! Thank you so much for taking care of us, Liliana!!! Brenda
Dear Liliana, I was speaking with my friend this weekend about my financial situation as I knew that she also had some severe financial hardships of her own. I explained to her my situation as well as that I had planned to apply for a consumer proposal through a different company. I also explained to her that the lady I spoke with at other company left me feeling quite embarrassed and belittled because of my financial situation and the fact that it had come to this point. My friend told me that had your office assist them and that she was extremely happy with how you treated them and handled their situation. I am a single parent who has moved jobs a few times and I am currently in a financial situation which is not good. Based on the positive feedback that my friend gave me as to her experiences with you, I am really hoping that you could examine my financial position and perhaps provide me with options that are available to me. Steven
Not long after Steven contacted my office with this to say:
“Thank you again so much for making me feel comfortable. You are a much needed and welcomed blessing in my life right now with everything that’s going on. I am very grateful for that.” Steven
In our next installment we’ll take a more in depth look in to your debt free future. Spoiler alert, it looks pretty good! In the meantime if you want to explore your debt settlement options or discuss your own situation, call me, Lilliana Glen of 4 Pillars East Windsor, today. Your initial consultation is free. (519) 962-9766
4 Pillars Debt Solutions. Visit us at 4Pillars.ca
