Peter Temple, Burnaby Debt Consultant
Debt Help Burnaby
This page introduces to you to the credit and debt counselling services that I offer to Burnaby families and residents. I explain some common alternatives to bankruptcy, explain how I can help rebuild your credit, and offer some guidance for helping you get out of debt. There are also some debt repayment tools and resources at the end which my past clients have found helpful.
Helping Burnaby Families Get Out of Debt
Ignorance and fear stop most people from taking action to get out of debt. Most people do not know enough about the options available to get out of debt and they fear that they may make the wrong decision and perhaps make things worse.
4 Pillars works for you not the creditors and will find the best solution to suit your long term goals. After reviewing your situation, we will explain in detail your options to get out of debt at a free face-to-face meeting at our office in Burnaby. Our aim is to get you out of debt as soon as possible while keeping your payments down to an absolute minimum.
The reason I recommend Peter Temple is because of his commitment to his job. The service 4 Pillars offered went above and beyond my expectations to help me get back on my feet.
Mercy B, Administrator
Our Debt Elimination Process
In order to eliminate your debt, increase your cash flow and allow you to invest for the future, we take the following steps:
- Review your financial problems and establish your long term goals
- Explain your options
- Create a personalized debt elimination plan
- Implement plan and improve cash flow
- Build credit and review budgeting to keep on track
- Provide financial advice as required in the future to achieve long term goals
We will also assist you with budgeting and credit building to ensure that your financial recovery is sustained in the long term. We have a Clients For Life philosophy and we will always be there to assist you with any financial challenges in the future.
Peter is great guy! He's patient, understanding, thorough, and pleasant to work with!
Jason P, Surveyor
4 Pillar Reviews: Burnaby Clients We've Helped
Jim F contacted us for help with $140,000 in credit card debt, which he had accumulated due to an illness that stopped him from working for an extended period. The bills kept flowing in but the income had stopped. He had a wife and two children and his only option was to rely on credit to put food on the table.
Eventually he started working again but by this time the debts were so high that all he could afford was to make the minimum payments each month. The debts never reduced as he was only paying interest. Stress levels were rising and his family relationships and health were starting to suffer. He had to act and act quickly.
We met with Jim and discussed his situation, and within 4 weeks had a debt elimination plan in place. We were able to negotiate his debts down to $60,000 which was paid at $1000/month interest free over a period of 5 years. His cash flow has increased and he is now able to put money aside for a pension plan.
Jim had no idea that this could be done and in such a short time. Only after meeting us for a free consultation was he aware of his options and was able to take positive steps towards debt freedom.
Contact me for more reviews and testimonials.
I was such stressful times until I met Peter Temple. He has helped me by talking with me and discussing which way I should proceed with my life. I would recommend 4 Pillars to anyone and thankful that I found them. We were shocked how simple it was to dramatically reduce our debt. I don't know where we would be without 4 Pillars.
Terry B, Security Officer
Debt Restructuring Services for Burnaby
- Professional consulting regarding client's personal financial situation
- Debt Settlement Assessment
- Evaluation of domestic budgets
- Negotiation with creditors
- Asset protection & refinancing strategies
- Credit Rebuilding and goal setting
I would recommend 4 Pillars to anyone who needs help getting their finances in order. Peter Temple at 4 Pillars has been so helpful. He took time to explain what they are all about. He was able to answer all my questions, and if I needed help with the paper work, he was only a phone call away. Anytime I need to speak with him, he promptly returns my call. Either that day or the next. I highly recommend them to anyone who is having financial difficulties.
Kathy B, Store Manager
Get out of debt: Free Tools & Debt Resources
How do I stop creditor calls?
It can be very stressful receiving numerous calls from each of your creditors demanding payments which you just can't afford. So what can you do to stop these calls while you are considering your options?
You can send out a letter stating that all future communication regarding your debts must be sent in writing. The creditors must comply with this instruction.
How much will it cost to pay off my debt?
When considering your options to pay off your debts you must calculate how much it will cost you in total to pay off all of your debt at the current interest rates.
How do I get a credit card when I have bad credit?
If you have poor credit you may find it difficult to get a new credit card as now a day you really need one for car parking, online purchases, etc.
You can apply for a secured credit card if your credit rating is low. With this type of card you pay a deposit of say $500 to the credit card company thus allowing you to spend up to $500 on the credit card. If you try and keep the balance on the card below 30% of the available credit and pay off the full balance at the end of each month you will start improving your credit rating.
Are you on a low income, unemployed, suffering from an illness, etc?
You could be entitled to additional benefits from the government!
About 4 Pillars Debt Consulting Group
4 Pillars was established 12 years ago and now has 50 offices across Canada. We have assisted thousands of Canadians to get out of debt and last year we restructured over $2 million of consumer debt in Burnaby alone.
With a population of approximately 290,000 in Burnaby and New Westminster, 4 Pillars recognizes there is large diversity of nationalities and ethnic groups needing help in our community and we are respectful of their traditions and beliefs. We take time with every client to ensure that they fully understand the processes and procedures involved in debt restructuring and will recommend a translator when necessary.
We believe in maintaining long term relationships with our clients and we are always available to assist with financial challenges. Our offices are local to the community they serve, thus making us easily accessible for face-to-face meetings when required.
My Burnaby Office
The 4 Pillars office in Burnaby is located at the intersection of Lougheed Highway and North Road. Lougheed Skytrain station is a one minute walk away.
Our office hours are 9am to 5pm Monday to Friday although out of hours appointments can be arranged if necessary.
Here are a few of my business links:
Here is my LinkedIn Profile Page: LinkedIn Profile
Facebook Listing: Facebook Listing
Yellow Pages Listing: Yellow Pages Ad
My Burnaby Better Business Bureau (BBB): BBB Page
My Yelp Listing: Yelp