We help clients in Medicine Hat and surrounding areas get out of debt and take charge of their finances using approaches such as debt restructuring, consumer proposals, and financial education. We work for you, not for the creditors, so we have your best interests in mind, not theirs. That's important to know because most other companies who offer to help you with your debt are actually paid by the creditors and that’s who they're looking out for.
I was born and raised in Taber and have enjoyed living in Southern Alberta all of my life. My wife Carolyn and I have raised our 3 daughters here and we are thrilled to have 6 grandchildren (yet always hoping for more!). I have been involved with several businesses in Southern Alberta and I am excited to see the growth in our communities, such as Medicine Hat. We are active in our church and we enjoy helping people in any way that we can. Financial challenges are some of the toughest difficulties in life and my desire to help people through these challenges really drew me to 4 Pillars Consulting, which is Canada's largest debt restructuring company.
Like many people in Canada, I too have suffered financial challenges and know the pressure and the stress load that comes from them. I understand the daily struggles and fears that accompany a heavy debt load. It has become my passion to help others become free from the hardship of debt and become financially stable again.
If you need financial relief and would like to avoid bankruptcy, please take advantage of a complimentary consultation where I can guide you through different options that are available to relieve the pressure of a heavy debt load and put you on the path to financial security.
The Southern Alberta teams plan to make a difference in our community by continuing to help people overcome high debt and sound debt restructuring plans.
In Alberta, 4 Pillars Consulting Group is licensed as a Debt Repayment Agency.
A Debt Repayment Agency is licensed under the 'Fair Trading Act, Collection and Debt Repayment Practices Regulation' which legislates debt restructuring services to Alberta residents. We proudly meet and exceed all requirements under the Fair Trading Act to deliver the highest possible standards in Alberta and in the rest of Canada.
Warning: We do recommend that Alberta residents use licensed debt restructuring companies that are operating close to your area!
At 4 Pillars Medicine Hat, we work for you, not your creditors. Our job is to help you get out of your financial difficulties as quickly and as painlessly as possible.
We will negotiate with your creditors to get you a greatly reduced settlement on your debts (many times as much as a 70% reduction on your outstanding balance) and put you into an affordable structured payment plan that will greatly reduce your monthly payment.
From the first time we talk on the phone, you will be able to start to breathe easier. We use this first phone consultation to gather the information that will help us to decide what course of action to take based on your specific situation and what your long-term financial goals are.
Everyone's situation is different and there are different avenues that we can utilize to alleviate your pressures.
We can either exchange emails, have a phone call, or you can meet me at our Medicine Hat office.
Once we have the information we will meet in person after we've had a chance to go over it and discuss what we feel will be the best course to take.
You will be informed of all your options and we will recommend, based on what you've told us, the avenue we feel is right for you, however, the choice is totally yours to make.
Once you have decided that you are ready to take control of your finances we will sign an agreement and start work immediately on implementing the plan. At this time you will be asked to gather the information that we need to move forward.
Throughout the whole process, we will work with you to resolve any issues that come up and make sure you are comfortable with and understand the actions you need to take. Once we have the information we need we will structure the debt-restructuring proposal to ensure it is done on your terms and affordable to you based on your income and expenses.
We will then work to find the right trustee based on your situation to submit your proposal to the creditors (the trustee's role is to represent your creditors, our role is to represent you).
We will then all meet with the Trustee and sign the papers to present your proposal to the creditors. We will walk you through the whole process and explain what's happening and what you can expect next.
After the debt settlement proposal has been filed we will monitor how your proposal is progressing and keep you informed as to any negotiations we have to do on your behalf with your creditors to get the best deal we can for you, our client. We do not work for the creditors we work for you and always have your best interests in mind.
Once we have reached a deal with your creditors and your proposal has been accepted we can immediately work on rebuilding your credit to minimize the impact the proposal will have and we will also begin working on a budget so we can make sure you don't find yourself in this situation again.
We will provide you with the tools and the knowledge to get you set up with the right kinds of credit to get your credit score back to where it needs to be so you can borrow responsibly and get the preferred rates that other people are getting.
4 Pillars Consulting Group is a national Canadian owned and operated company with 50 offices in Canada.
We have the most comprehensive debt restructuring plans in the country, highly qualified debt management professionals and the most effective credit rebuilding plan in Canada.
Last year alone 4 Pillars helped Canadians restructure over $100,000,000.00 worth of consumer debt. We also have small business and corporate restructuring services available.
My office location is: 851 Industrial Ave. S.E. Ross Creek Business Center, Medicine Hat, AB, T1A 3L7 (Free Parking).
Call today to book a free one hour consultation in my office
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"The stress and worries are over. We are living again."
Actual client testimonial. Name removed to protect privacy.