How does 4 Pillars in North Vancouver Set Me Up for Life?
(An alternative approach to Trustees and Credit Counsellors.)
Are you ready to embrace the rest of your life? If you are struggling under the weight of your debt, you’re probably having trouble seeing past your next payday, let alone into the future. I don’t have a crystal ball but I can assure you, your future is about to get a lot brighter.
I’m Jennifer Virani, your 4 Pillars Debt Specialist in North Vancouver. In our last installment we explored having a Licensed Insolvency Trustee deal with your debt verses hiring a 4 Pillars Debt Specialist. In short, though you are legally required to have a trustee when filing for bankruptcy or a consumer proposal, the trustee is accountable to your creditors. However, there is nothing preventing you from having your own advocate to represent your best interests. As a 4 Pillars Debt Specialist I don’t just deal with your debts, I work to ensure you stay out of debt, and are able to recover and grow financially from the experience.
Educating Clients
There is a lot of misleading information floating around about credit and debt. However, you can trust 4 Pillars Debt Solutions to give you the facts. We educate you throughout the whole debt settlement process, giving you the tools to stay out of debt and grow financially. We work with our clients, teaching them how to budget and plan for their brighter future. As a result, over 97% of 4 Pillars clients have successfully completed their debt restructuring plans; making 4 Pillars an industry leader in Canada.
However, it isn’t just our clients who benefit from 4 Pillars expertise. Since 2005, 4 Pillars Debt Solutions has been an integral part of developing Financial Literacy in Canada. We believe 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. Because ending the cycle of debt starts by educating consumers, 4 Pillars will continue working to create and promote Financial Literacy programs for all Canadians.
The Clients for Life Philosophy
When you’re diagnosed with a chronic ailment like Crohn’s Disease, your doctor doesn’t just write you a prescription and send you on your way. There are tests, follow up appointments, referrals to other specialists, and education about managing your symptoms, all to ensure you enjoy a long healthy, productive life.
When the diagnosis is debt, it is also best to seek the help of a professional. At 4 Pillars Debt Solutions we are by your side from start to finish. As a Debt Specialist I give my clients the skills they need to stay out of debt and grow financially. And I do this with compassion and understanding. I teach my clients how to create a realistic budget and then we start paving the way to ensure they get the debt free future they want.
Whether your debt settlement strategy is Consolidation or a Consumer Proposal, 4 Pillars is there to represent your best interests until your debt is paid. But we don’t stop there. While you are paying off your debt, we are helping you rebuild your credit and build up your savings. So, by the time your debt is paid off, usually within 5 years, you will be standing on solid ground and ready to start embrace your future. As a 4 Pillars’ CLIENT FOR LIFE you are able to seek out my advice and assistance whenever you need it.
Specialized Tools Exclusive to 4 Pillars
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
Are you ready to see what life after debt looks like? Imagine your debt is gone, your credit is better than ever, and your dream to someday buy your own home is about to come true. Or, maybe you want to make sure your retirement is a comfortable one. Or perhaps you want to explore the world. Or, turn your hobby into a small business. Without your debt holding you back, it is all possible.
As a 4 Pillars Debt Specialist in North Vancouver, I see the enormous stress my clients have been living with because of their debt. So I take great pride in knowing I can help make a difference in both their everyday lives as well as their financial futures. I love what I do and when a client leaves my office with the weight of debt lifted from their shoulders, I know I’ve done my job.
Jennifer Virani is a true professional in her conduct and competence. She made me feel comfortable and more at ease dealing with a difficult circumstance. Thank you Jennifer! Chris, North Vancouver
Over the past few years I had managed to run up $40,000 in unsecured debt. Mainly credit cards and line of credit and because of the high balances I was carrying, the interest rates kept creeping up and it was becoming a challenge just to make the minimum payments. With the help of my sister I’ve been introduced to 4Pillars and through Facebook I found Ms. Jennifer Virani’s contact information. When I met with Jennifer I was initially skeptical about what she said could be achieved but she explained all the options I had and all the costs and risks. Jennifer seemed genuinely sympathetic to my situation. We were able to come up with the strategy whereby we would offer a settlement proposal base on what I could afford to repay on a monthly basis over 60 month period and finally the settlement was agreed to by all parties and now I have a fixed monthly payment repaying a portion of the total debt and interest free. Thanks again Jennifer for everything, you did exactly what you said you would do and for that I will always be grateful. I highly recommend your services to anyone wants an honest, professional, sincere consultant. All you help and assistance was greatly appreciate. Thank you! Maryam, North Vancouver
I was introduced to Jennifer and 4Pillars while caught between a rock and a hard place in April 2014. A real estate investment had gone awry; the lender had come knocking on my door, scooped the property and sold it, still leaving me with a large chunk owing. I had never heard of 4 Pillars before or whether such a thing a debt forgiveness existed. I had nothing to lose and so I opted to hear them out during our initial meeting. I came out of that meeting feeling something I hadn’t felt in 7 years… relief. They walked me through the Consumer Proposal, and working with a Bankruptcy Trustee, they were able to reduce my debt load to a more manageable portion. Furthermore, Jennifer and team also worked with a private lender to loan me the outstanding balance so I could make the lump sum payment and no longer have to deal with reporting back to the creditors every so often. By going the Consumer Proposal route instead of Bankruptcy, my credit was to restore in a period of 18 months, with the Consumer Proposal record being expunged in 3 years. Was I a bit skeptical about this whole debt forgiveness business? Definitely. Fast forward to 18 months later, my FICO score had improved to 650 (and still improving). 4 Pillars came alongside me again to help in securing a conventional loan through a bank in order to pay off the outstanding debt from the private lender (which is at a higher interest rate). The private funded loan was also reported to the credit bureau which helped propel my FICO score higher. 4Pillars was the hand I needed to lift me up when I was sinking. They have journeyed with me these past few years and I have never felt alone in these uncharted waters. Andrew, North Vancouver
As someone who spent most of their adult life in credit card debt I can tell you wishing the problem away doesn’t help. When I lost my job I knew I wouldn’t be able to make my payments but the thought of going bankrupt scared me. That’s when I called Jennifer Virani of 4 Pillars. She immediately put me at ease and showed me other options that would work for me. By the end of our first meeting I knew I’d made the right call. Jennifer has been incredibly supportive and she has worked tirelessly to help lessen my debt. I cannot recommend Jennifer and the team at 4 Pillars strongly enough. Angela, North Vancouver
With 4 Pillars help with my debt I can sleep properly now, less stress and I can spend more time with my kids. As a couple we don’t fight about money anymore and we learned to spend the money wisely. Jennifer, North Vancouver
Next month 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, Jennifer Virani of 4 Pillars North Vancouver, and set up your free initial consultation. (604) 612-9211
4 Pillars Debt Solutions. Visit us at 4Pillars.ca
