At 4 Pillars, we have the most comprehensive tools, skills, and debt consolidation products in the market place to help families and businesses in Cranbrook, Fernie, and Kimberely fix their debt problems and rebuild their lives.
Years ago creditors would pursue debtors for a while then move on and eventually, the debt would fall off the bureaus, since then creditors have become far more aggressive in their collection practices.
I live and work here. I care about what happens here in the Kootenays!
Debt does not just go away in today's market and if you have a sizeable debt and you pay only minimum payments it is unlikely that you will ever be debt-free.
We will find the best solution for you, one that fits your budget and life choices - one that will put your financial future back in your hands.If you live in the West Kootenays please visit this page: 4 Pillars West Kootenays
J & C R----t came to me looking for a way to move ahead in their life, C had quit her job because the company that she worked for was unsupportive in accommodating her needs as a new mother, she had to put family first. They were accustomed to a very comfortable income up to this point, not having to be concerned about meeting their debt obligations but now things were different on one paycheck they got behind quickly. We made sure that all of their assets were safe then made a successful proposal at $0.27 on the dollar to their creditors. Life again is good for them and their new child!
The first step in our process is to assess your situation and identify your needs. Once this is done we can then put together whatever process that works best for you, some of our many tools are consolidation loans, proposals, informal, bankruptcy preparations if one wants or needs to go that route, credit rebuilding, budgeting, and financial literacy counseling. Remember debt solutions are not a "one size fits all" approach.
Will my credit rating be damaged: Maybe, depending on what you do. Credit ratings can be deceiving the real question that should be asked is: what is my credit rating doing for me and what is it doing to me. Can your credit rating get you a consolidation loan at a good interest rate with low payments - if not maybe you should look at what it is doing to you - how much do you pay a month for it in debt repayments. We can rebuild your credit rating; it is part of what we do.
Will I lose my house or possessions: There is no single answer, however I have never had a client lose their possessions unless they chose to let them go. When a client chooses to walk away from an asset or house, for example, I work with them through this process.
Will I be able to get credit again: Yes, you will be able to get credit again, part of our process is to assist you through this step in our credit rebuilding program.
Confidentiality is one area that people have fears about in debt consolidation and consumer proposals, only those involved in the process are going to be informed. January 1st, 2004 the government brought in laws that protect you the consumer, requiring those in a position of trust to keep your information confidential.
Another common fear is that you'll lose everything. While working directly with a trustee this may well happen however when you have a 4 Pillars Debt Consultant on your side you have someone working for you, looking out for your best interest - this makes the difference.
My office location is: 740 Chickadee Lane, Castlegar, BC V1N 1E1.
Call today to book a free one hour consultation in my office
Here is some of our local listings:
Google + Castlegar Page: Google + Page
Here is my BBB rating: BBB Listing
Yellow Pages: www.yellowpages.ca
LinkedIn 4 Pillars Consulting Castlegar Profile: LinkedIn Profile
4 Pillars - who are we? First off there is the head office "4 Pillars Inc" that supports us, the franchisees, in building the best financial restructuring businesses out there; then there is us the franchisees who own territories. Up till now, I would have described us as business owners working in the debt industry for the benefit of our clients.
Recently I was on the phone with a client and she thanked me for the work and care that I provided for her and her spouse, my reply was somewhat standard in saying that you are welcome - it is what we do. She said "no" it is not just that "you like helping people". It made me stop and realize that that is the one common thread of each and every person involved in the 4 Pillars community; we all like helping people in Cranbrook, Fernie, and Kimberely. We do that by getting people out of debt.
"The stress and worries are over. We are living again."
Actual client testimonial. Name removed to protect privacy.