How does 4 Pillars Victoria Set Me Up for Life?
(An alternative approach to Trustees and Credit Counsellors.)
In our last installment we discussed the difference between having a Licensed Insolvency Trustee (aka Bankruptcy Trustee) deal with your debt as opposed to hiring a 4 Pillars Debt Specialist. In short, it all comes down to accountability. The trustee has a fiduciary duty to your creditors whereas 4 Pillars works exclusively for and represents only YOU. If we dig a little deeper, we see that 4 Pillars doesn’t just deal with your debt, they work with you to ensure you not only stay out of debt but you recover and grow financially from the experience. So, how does 4 Pillars do this? Simply put, they make YOU (the consumer) their number one priority.
Educating Clients
The more you understand about your credit and your debt, the easier it is to avoid the pitfalls of both. There is a lot of misleading information floating around but 4 pillars gets you the facts. They educate their clients throughout the whole debt settlement process, giving them the tools to stay out of debt and grow financially. It’s been said that ‘those who ignore history are doomed to repeat it.’ 4 Pillars works with their clients, teaching them how to budget and 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.
It’s is not just 4 Pillars clients who are benefiting. Since 2005, 4 Pillars Debt Solutions has 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; tools designed to help both social workers and non-profit organizations assist and educate low income families. 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 will continue working to create and promote Financial Literacy programs for all Canadians.
The Clients for Life Philosophy
When you’ve been diagnosed with a disease like Type 2 Diabetes you doctor doesn’t just write you a prescription and send you on your way. There are tests, there are follow up appointments, there are referrals to other specialists, there is education about the disease and how to manage it to ensure a long healthy life. When the disease you’re diagnosed with is debt, you also seek out a professional. Unlike some debt companies who take your money, set up your debt strategy, then disappear, 4 Pillars is by your side throughout the whole process. 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. They’re also teaching you how to budget and showing you how to avoid the land mines that could send you back into debt.
By the time your debt is paid off, usually within 5 years, you will be standing on solid ground and ready to start making those dreams a reality. As a CLIENT FOR LIFE you are able to seek out advice and assistance whenever you need it. Whether you’re applying for a mortgage or saving to go back to school, 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; instead of just taking care of your immediate needs, 4 Pillars steps back and 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 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.
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.
Check out our 4 Pillars Debt Services:
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
Fast forward a couple of years and you’re getting a call from your 4 Pillars Debt Specialist; you are debt free. Now the old you may have wanted grab that credit card and gone shopping. But you’re a little older and a lot wiser and with the help of 4 Pillars you’ve got plans, real plans. Your debt is gone, your credit is better than ever, so that dream of someday owning your home….that can happen. Your dream of buying a new car, something built in this decade… that can happen. Finally being able to save for the retirement you want… Paying for your kid’s post-secondary education… It’s all within the realm of possibility.
What do you want your future to look like? Without debt blocking your view, the possibilities are endless.
Hello, I’m Benjy Houser, your 4 Pillars Debt Specialist in Victoria, BC. In the next installment we’ll take a more in depth look in to your debt free future. 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.
I don’t like to brag, so I’ll let my clients do it for me:
My wife and I had our financial world turned upside down on us and did not know how we could deal with all our problems. Then a friend recommended Benjy and his team to us, and we are very happy he did.
They guided us thru their process and treated us with dignity and respect all the way. We would HIGHLY recommend 4 pillars (specifically Benjy and his wonderful team) to anyone and everyone. Truly a 5 star company!
Jim and Michelle, Victoria BC
Thank you Benjy for your help to steer us to better financial position. You really changed our lives. Your personality and the way that you explained the intricate details of finance led us to be in the financial position that we are now. We are debt free and we want to thank you. Don and Patty Brett, Victoria BC
I originally signed up for debt help with a different company (not 4 Pillars) based out of Ontario and received very poor service and the bank actually decided to sue me. I was completely stressed out and didn’t know where to turn. In June of 2013 I went to see a lawyer to help me out with the pending lawsuit and my lawyer, introduced me to Benjy Houser who worked with 4 Pillars Consulting doing debt consolidation and counseling. Benjy immediately met with me, we went over my debt, budgets, etc. I was feeling bad about the situation I found myself in but Benjy treated me with tact and diplomacy. He was never judgmental. I will admit that I was at first skeptical about dealing with another debt consolidation company, but Benjy put all those fears aside. I am pleased to say that after only a few months my debts have been completely settled and the lawsuit ended due to his great work. Benjy is truly a pillar in the community. I would without hesitation recommend him to my friends.
Kathy Remple, Victoria BC
If you have questions about Debt Settlement, or if you just want to explore your options and discuss your own debt situation, call me to set up your free initial consultation. (250) 882-5556.
4 Pillars Debt Solutions. Visit us in Victoria BC, 4Pillars.ca
