Top 5 Tips for Debt Help in Surrey
No one ever intends to go into debt. Most people are sincere in their desire to pay back what they owe, be it a personal loan, credit card, or line of credit. But the more your debt grows the harder it gets to control and before you know it your payments are getting lower because you have other non-debt related expenses like food, shelter, utilities, clothing, savings, life. It’s usually when you have to cut back on the essentials that you realize your debt is running the show.
Tip 1 – Do you actually need debt help?
Dealing with debt can be a complex journey and one wrong turn could leave you worse off financially then when you started. Debt help requires specialized knowledge of several different Federal and Provincial laws.
Your financial situation is unique to you but it also affects your entire family including spouses, parents, and others if there are co-owned assets or co-signed loans. So how do you deal with your debt without creating negative impacts on those around you? You talk to an expert. But who? There are a lot of people claiming to be experts so look for an experienced company with proven results. Do your homework. You wouldn’t hire a plumber or visit a new dentist without research so put the same due diligence into the people you trust with your financial future.
A 4 Pillars Debt Specialist can analyze your situation and review your options. Your initial consultation is free. You will meet with a compassionate professional who will navigate these debt waters while helping you reach your financial goals. And most importantly, 4 Pillars works for you and only you. In your research you’ll find that non-profits and bankruptcy trustees actually work for your creditors. 4 Pillars works for you and only you.
Tip 2 – Consolidations: getting legitimate debt help.
It is when you are looking for debt help you are at your most vulnerable. There are a lot of companies offering a quick fix. Ask questions:
How long have they been in business?
Are they a national company?
Do they have a Facebook page, client testimonials, and what kind of reviews are they getting?
Are they willing to share their debt restructuring plan with you?
Do they care about what happens to you?
Are they willing to meet face to face?
What does the Better Business Bureau have to say about them?
Who do they represent? You or your creditors. It can’t go both ways.
Tip 3 – Debt Consolidation is NOT one size fits all.
You debt situation is unique to you. So this is not the time to take a cookie cutter approach to settling your debt. You need a solution that is tailored specifically to you. A solution that also takes into account your plans for the future. Sometimes that solution is Debt Consolidation; combining all of your debt into one low payment. Your debt specialist will put together a debt restructuring strategy that works best for your personal situation.
Tip 4 – Credit Rebuilding
Once 4 Pillars has a plan in place they will begin rebuilding your credit. Since years of debt has most likely destroyed your credit just paying off your debt won’t be enough to fix it. Your credit will need to be repaired before you can move forward financially. 4 Pillars will help you rebuild your credit as well as budget and plan for your future.
Unfortunately credit rebuilding is the single biggest overlooked aspect of most debt restructuring plans in Canada. Everyone promises to fix your debt but no one shows you how to get back on your feet financially. Statistic show that Canadian consumers have a 24% chance of getting back into debt within 10 years unless they have specialized support after the debt is resolved.
4 Pillars Debt Consultants offers their clients an extensive After Care Program, and it is free. To learn more about being a client for life click on the link.
Tip 5 – Selecting a reputable company.
You’ve done your homework, now comes the hard part; choosing the company that will best represent you. The company you choose will have a direct impact on the next 3 to 8 years of your life. Actually, the choice is pretty clear. 4 Pillars was founded in 2002 by three professionals who were tired of watching their friends lose their businesses to debt. They did their homework, combined their financial expertise and started a company that would ensure no one would be controlled by their debt again. In fact over 97% of their clients have successfully completed their debt restructuring plans; making 4 Pillars an industry leader in Canada. With over 1000 testimonials on record, see what 4 Pillars’ clients have to say. Ultimate Testimonial Page
We’re Navaiz and Hardip Chaudhry, your 4 Pillars Debt Specialists in Surrey. It is our job to lead you through your debt restructuring, making the process as painless and stress free as possible. Our team will analyze your financial situation and present you with a debt settlement strategy that works best for your situation. Then we can start rebuilding your credit so you get on with your life and start fulfilling your financial dreams.
At 4 Pillars Surrey our goal is to reduce your debt by up to 80% and have your debt paid off within 5 years. We can navigate you through the maze of debt and have you coming out of it financially stronger, wiser, and better prepared to reach your goals. And we do it all without judgement or blame.
If you have any concerns about your own debt situation, call us at 4 Pillars Surrey to set up your free initial consultation. 604-587- 5577
4 Pillars Debt Solutions. Visit us at 4Pillars.ca
