How does 4 Pillars Kamloops Set Me Up for Life?
(An alternative approach to Trustees and Credit Counsellors.)
I’m Bob Hauck, your 4 Pillars Debt Specialist in Kamloops. I don’t have a crystal ball, but when my clients ask what their future might look like once their debt is gone I can say with certainty that their future is going to look much better, brighter, and full of promise. Last month I explained the difference between having a Licensed Insolvency Trustee or Bankruptcy Trustee, deal with your debt as opposed to hiring a 4 Pillars Debt Specialist. Simply put, the trustee is accountable to your creditors but 4 Pillars works exclusively for you. At 4 Pillars we not only help reduce your debt, we analyze your financial situation, put together a plan to pay off your debt within 5 years, and we make sure you have the confidence and the know how to remain debt free. While we are doing all of this we are also helping you rebuild your credit and lay the foundation for a stronger financial future. In other words, at 4 Pillars Kamloops Debt Solutions you are our priority.
Educating Clients
The funny thing about credit and debt is you don’t know as much as you think you do, and that can be dangerous. So it is important to speak with a debt specialist so you can avoid any pitfalls. At 4 Pillars we educate our clients throughout the whole debt settlement process, giving them the tools to stay out of debt and grow financially. You’ve heard the expression ‘those who ignore history are doomed to repeat it.’ Well, at 4 Pillars we work with our clients, teaching them how to budget for the present and for the future. That is why over 97% of 4 Pillars clients have successfully completed their debt restructuring plans; making 4 Pillars an industry leader in Canada.
Don’t think 4 Pillars only share their expertise with their clients. For over 10 years 4 Pillars Debt Solutions has been an integral part of developing Financial Literacy in Canada. It began 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 in Edmonton. Since then 4 Pillars involvement has moved to the national level. At 4 Pillars we believe ending the cycle of debt starts by educating consumers, so we promise to continue working to create and promote Financial Literacy programs in Canada.
The Clients for Life Philosophy
If you’ve ever tried to diet on your own, you may have lost a couple of pounds but you’ve probably seen the weight return, often leaving you heavier, and more discouraged, than when you started. When you join a weight loss support group you find yourself being educated on nutrition, physical activity, and you’re surrounded by caring and supportive people who understand your struggle; people who are there to encourage and help lead you on your journey. With this kind of support, you reach your goal and find yourself able to resist the habits that caused your weight gain in the first place.
If you’ve ever been weighed down by debt, you also know that trying to deal with it on your own can lead to a bigger debt and more damage to your credit rating. But when you get support from a company like 4 Pillars Debt Solutions you’ll find yourself confidently taking back control of your financial life. And you don’t have to cut out carbs and ice cream! Whether your debt settlement strategy is Consolidation or a Consumer Proposal, 4 Pillars is by your side throughout the whole process. And that’s just the beginning. While you are paying off your debt, your 4 Pillars Debt Specialist is helping you repair the damage to your credit rating while giving you the tools to stay out of debt, for good. After all you’re not just a client, you’re a CLIENT FOR LIFE! Whatever questions or concerns you have in your post debt life, your 4 Pillars Debt Specialist is just a phone call away.
Specialized Tools Exclusive to 4 Pillars
4 Pillars takes a holistic approach to help people with debt. We don’t just look at your immediate needs, we take in the bigger picture. For years 4 Pillars has been creating 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 the client to avoid bankruptcy or being put back in the same financial position they worked so hard to get out of.
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 clients 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
Imagine the moment you make your very last debt payment. Once you’ve thrown off the shackles of debt you’ll be on the road to the future you’ve always wanted. And thanks to 4 Pillars you’ll have the confidence and the knowledge to move toward your goals without falling back into debt. Home ownership, a new vehicle, a solid savings account, a bright retirement; it’s all possible.
As a 4 Pillars Debt Specialist in Kamloops I’m very proud of the work I’ve been able to do on behalf of my clients. We all live and work in the same community and I take great pride in helping each of them get back to a place where we can start reaching their financial goals.
Bob, I want to express my sincere gratitude for your competence and effort in helping me with my financial distress. Your calm manner and clear education of this process put me at ease straight away. (My family is grateful for you too!) I will highly recommend you to anyone I may encounter with a similar dilemma. Thanks so much for all you’ve done, again and again, your help has been life changing for me. Daphne A, Kamloops
I heartily recommend the services of Bob Hauck and 4 Pillars Kamloops. From the beginning, Bob impressed me with his ability to be at the same time realistic, clear-sighted, and reassuring. The awful stress of dealing with finances that had gone out of control began to dissipate immediately, and Bob worked hard to find the best possible way out of the crisis that I was in. It would be no exaggeration to say that calling 4 Pillars Kamloops and meeting with Bob changed my day-to-day life for the better. Thank you! John B, Teacher, Kamloops BC.
A great big thank you to Bob and 4 Pillars Consulting Group! Bob took what seemed to be an overwhelming task and made it straightforward and easy to comprehend. Bob had an extreme amount of patience and answered any enquiry I had. Although it took me a while to come to terms with filing a proposal, I finally took the plunge and my stress and anxiety lifted immediately. All I can say is a Super Big Thank You for helping me!! I would highly recommend Bob and 4 Pillars to anyone who is weighed down by debt. Elaine L, Kamloops BC
Dealing with past debt was a very high-pressure time for us, mostly the ‘not knowing’ what might happen. So many options, and lots of conflicting information. Bob took us through each process step by step, and greatly helped to reduce the worry. He gave unbiased opinions on each, and helped us make the right decision on dealing with my debt; the outcome was better than we could have hoped for. Sincerest thanks to Bob for his professional help, and personal courtesy during this time, thanks again Bob! Brian, Equipment Operator
In the next installment we’ll take a more in depth look in to your debt free future. In the meantime, feel free to call me, Bob Hauck Kamloops, with any questions or concerns about your own debt situation. Your initial consultation is free. (250) 434-4505
4 Pillars Debt Solutions. Visit us at 4Pillars.ca
