How does 4 Pillars Nanaimo Set Me Up for Life?
(An alternative approach to Trustees and Credit Counsellors.)
Wouldn’t it be great if we could look into a Magic 8 Ball and suddenly have all the answers?
Magic 8 Ball, should I where a jacket?
“Yes, Definitely!”
Magic 8 Ball, will I win the lottery?
“My reply is no!”
Magic 8 Ball, will I ever get out of debt?
“ABSOLUTELY!”
So, what does the Magic 8 Ball know about your life that you don’t? Hi, I’m Benjh Houser, your 4 Pillars Debt Specialist in Nanaimo. I don’t have a Magic 8 Ball but I do know the path to a debt free future, and it’s not as rocky as you might think. Last month I talked to you about having a Licensed Insolvency Trustee deal with your debt and why you should consider hiring a Debt Specialist to represent your interests. If you recall, the Trustee is accountable to your creditors, whereas a 4 Pillars Debt Specialist like myself works on your behalf to ensure your debt is reduced, often by as much as 80%. There is no conflict of interest with your creditors. And along with putting together the best debt settlement strategy for your situation we’ll make sure you are able to recover from your debt and grow financially.
Educating Clients
How did you first learn about credit and debt? From your parents, from TV, from advertising; sadly not the best sources for credible, unbiased information. Unfortunately there is a lot of misleading information floating around but 4 Pillars gets you the facts. We educate you throughout the whole debt settlement process, giving you the tools to stay out of debt. In fact, over 97% of 4 Pillars clients have successfully completed their debt restructuring plans; making 4 Pillars an industry leader in Canada.
But it’s not just 4 Pillars clients who benefit from our expertise. For years we’ve been an integral part of developing Financial Literacy in Canada. The initiative began 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. At 4 Pillars Debt Solutions, we firmly 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.
The Clients for Life Philosophy
If you think back to your school days your favorite teachers were always the ones who took a little extra care, time, and attention to make sure you understood the topic. They worked with you and taught you in a manner that worked best for you. They instilled knowledge with a side of confidence and they followed your academic progress thru to graduation. Think of 4 Pillars Debt Solutions as your favorite teacher. Unlike some debt companies who take your money, then drop you like 4th period math, 4 Pillars is by your side from beginning to end. Whether your debt settlement strategy is Consolidation or a Consumer Proposal, 4 Pillars is there to represent your best interest until your debt is paid. But the relationship doesn’t stop there, while you are paying off your debt, your 4 Pillars Debt Specialist is helping you rebuild your credit and build your savings. We’re also teaching you how to budget and showing you how to avoid falling back into debt.
To ensure you’re ready for life after debt, your 4 Pillars Debt Specialist will work to ensure you are standing on solid ground by the time your debt is paid off, usually within 5 years or less! At 4 Pillars, you aren’t just a client. You are a CLIENT FOR LIFE. As such, you are able to seek out advice and assistance whenever you need it. Your 4 Pillars Debt Specialist is always just a phone call away.
Specialized Tools Exclusive to 4 Pillars
So, does 4 Pillars have a Magic 8 Ball to help you through your debt settlement? Not quite. They take a more holistic approach to debt help. Over the past 15 years 4 Pillars has created Debt Restructuring Programs that take into account the many unique aspects of one’s overall 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.
PHOENIX LOAN: When you are in a Consumer Proposal your payments do not work toward improving your credit score. The Phoenix Loan is also not 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
Hey Magic 8 Ball, what happens when I’ve made my very last payment?
“Anything you want”.
With 4 Pillars you’ve got plans, real plans, and you’re ready to move forward you’re your life.
As a 4 Pillars Debt Specialist in Nanaimo I take great pride in being able to help my clients get out of debt. As a member of this community I am thrilled to be able to help my neighbors reach their financial goals.
I am very grateful for what 4 Pillas has done for me and my family thus far. Words are really hard to describe a person who has a big heart for lending a big hand to those in need of answers. JB, Nanaimo
It feels great not to have creditors on my a$$ daily!! Small steps to where I want to be in life, debt free and more!! Thank You for making all of this possible. I’ll be forever grateful for all you’ve done. JO, Parksville
We are finally feeling the relief of working with a budget. We feel like things are starting to turn around and we have a handle on our lives again. A big thanks to you. Thank you! RJ, Nanaimo
After many years in business I realized I was slowly sucking up equity from my assets to pay bills and slowly the debt started to grow. I thought my business was recession proof but came to realize that it was too late to turn things around with the debt I had incurred. The bigger problem was that the debt was in my name and as I couldn’t afford to pay myself wages it really started to snowball to the point where I was in trouble. I met 4 Pillars and they helped me in a big way. First, they needed a clear picture of all my debts and income, property, vehicles etc. Then they were able to help me develop a plan that would negotiate a better deal with the unsecured creditors. They were very thorough and understood where I was coming from and where I needed to be financially. They took control of the process and I just fed them the information they requested. In the end I saved tens of thousands of dollars and the phone calls and letters stopped. I was worried my name would be smeared and I would be an outcast, but it was all private and there was none of that. They were professional and excellent in all areas and I am so glad I met them. The best thing about the whole experience with them was that they truly cares about their clients and want to help. I am now free of all unsecured debt and it feels fantastic. I pay cash for things now, I have money in the bank and all my commitments are met on time. It opened doors in my life I didn’t know existed and I couldn’t be happier! CJ, Campbell River
Just when I thought I would drown forever in my black hole of financial doom, 4 Pillars em pathetically sat down with me, heard my situation and quickly went to work on a plan. With complete professionalism and confidence, they removed all fears and embarrassments and guided me down the path to my financial rebuilding. This helped my self – esteem and gave me renewed hope. For the 1st time in years I felt like there’s a light at the end of my tunnel, and I could once again attain my goals and dreams. I give 4 Pillars my highest recommendation. Their soft manner will immediately have you feeling comfortable. They will act 100% on your behalf to find the best solution for you with your creditors. RA, Coombs
Next month we’ll take a more in depth look in to your debt free future. In the meantime, feel free to call me, Benjy Houser, with any questions or concerns about your own debt situation. Your initial consultation is free. (250) 729-6500
4 Pillars Debt Solutions. Visit us at 4Pillars.ca
