How does 4 Pillars Peterborough Set Me Up for Life?
(An alternative approach to Trustees and Credit Counsellors)
In our last installment we looked at the difference between having a Licensed Insolvency Trustee (aka Bankruptcy Trustee) deal with your debt and hiring a 4 Pillars Peterborough Debt Specialist. Though you are legally required to have a LIT when filing a bankruptcy or proposal, the trustee is accountable to your creditors and is not working for you. A 4 Pillars Debt Specialist actually works for YOU; representing your best interest throughout your debt settlement. In many cases your debt can be reduced and settled without ever having to declare bankruptcy. You see, 4 Pillars doesn’t just deal with your debt, they work to ensure you not only stay out of debt, recover from the experience, and grow financially. In other words you are 4 Pillars’ number one priority.
Educating Clients
How much do you really know about credit and debt? How much of that information was learned the hard way? The more you understand about your credit and your debt, the easier it is to avoid the pitfalls of both. Unfortunately most people get misleading information and half-truths. However, 4 Pillars Debt Solutions gives you the facts. 4 Pillars educates their clients throughout the whole debt settlement process, giving them the tools to stay out of debt, and the confidence to plan for the future they want. To date, over 97% of 4 Pillars’ clients have successfully completed their debt restructuring plans; making 4 Pillars an industry leader in Canada.
Did you know that 4 Pillars Debt Solutions has been an integral part of developing Financial Literacy in Canada? In 2005 they created 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. 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. Because ending the cycle of debt starts by educating consumers, 4 Pillars continues to create and promote Financial Literacy programs for all Canadians.
The Clients for Life Philosophy
When you’ve got flu symptoms you can’t shake, you make an appointment with your doctor. But he doesn’t just give you two aspirin, he checks your vitals, takes swabs, orders tests, and evaluates the results before giving his diagnosis. If the situation is more serious than the flu there may be additional follow-up, referrals to specialists, education and support from those who have experienced the same ailment.
When it’s your debt that is making you sick, you’re going to need more than a couple of aspirin and plenty of fluids. The right care will make all the difference in your comfort and your outcome. Your 4 Pillars Debt Specialist is with you for the long haul. Whether your debt settlement strategy is Consolidation or a Consumer Proposal, 4 Pillars represents your best interests. While you are paying off your debt, your 4 Pillars Debt Specialist is helping you repair your credit, and build your savings. They teach you how to budget properly and show you how to avoid behavior that could send you back into debt. As a 4 Pillars CLIENT FOR LIFE you have access to their advice and assistance whenever you need it. Whether you’re applying for your first mortgage or saving for your kid’s education, your 4 Pillars Debt Specialist is just a phone call away.
Specialized Tools Exclusive to 4 Pillars
4 Pillars takes a holistic approach to helping people with debt. Instead of just taking care of your immediate needs, 4 Pillars takes in the bigger picture, life after debt. Over the past 15 years 4 Pillars has created Debt Restructuring Programs that take into account the many unique aspects of each client’s overall financial situation. As a result 4 Pillars is able to help you 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
What do you want your post debt life to look like? With the help of 4 Pillars you’ve got plans. You’ve also got the tools and the confidence to bring those plans to life. In fact, without debt holding your back your post debt life looks very promising!
Hello, I’m Adrian Moore, your 4 Pillars Debt Specialist in Peterborough. One of the most rewarding aspects to being a 4 Pillars Debt Specialist is knowing I’ve made a difference in the lives of my clients. Don’t take my word for it, this is what they’ve had to say/
Our experience with 4 Pillars Consulting Group has been very positive. The realization and acceptance that our financial situation was beyond repair on our own was mentally and emotionally draining with a sense of failure thrown in. However, from the first appointment with Adrian Moore and throughout the subsequent meetings we were treated with dignity and kindness. He assured us this was not the end of our world; showed how there was a positive solution possible and so it has proved to be. His explanations of the debt reduction process; what to expect and what was expected of us were clear and timely so we were not overwhelmed. Also from the first appointment we felt a weight lifted and our lives became less stressful. We would highly recommend Adrian and the Four Pillars Group to anyone in need of debt restructuring advice and help. ($83,000 original debt reduced to $24,000 ($400 x 60 months)).
Kirk & Jane from Norwood
When we were referred to 4 Pillars from a friend we thought our options were limited. After speaking to Adrian we saw the light at the end of the tunnel and got our first good night’s sleep in months. ($45,000 original debt reduced to $15,900 ($265 x 60 months)). Henry & Wanda from Peterborough
Before 4 Pillars I had a lot of sleepless nights and I was also stressed out over my bills. Without 4 Pillars my boyfriend and I wouldn’t have been able to take the trip we took in September for our anniversary. Thanks Adrian. ($16,000 original debt reduced to $6,600 ($110 x 60 months)). Beth from Peterborough
In the next installment we’ll take a more in depth look in to your debt free future. In the meantime if you have questions about Debt Settlement, or if you just want to explore your options and discuss your own debt situation, call me, Adrian Moore, to set up your free initial consultation. (705) 201-1327.
4 Pillars Debt Solutions. Visit us at 4Pillars.ca
