What is the difference between credit counseling, a trustee in bankruptcy, and 4 Pillars?

This initial call is about you. We don’t work for your creditors. Unlike credit counselors who serve the interests of lenders or trustees who have a fiduciary responsibility to your creditors, we will give you specific guidance for your situation. Only one percent of our clients opt for the bankruptcy option!

Common questions we can answer:

1. Is a debt consolidation loan the best path for me? (it depends)
2. Should I just pay creditors directly or go through a private company?
3. Does the Alberta government offer debt consolidation?
4. How does a consumer proposal work?
5. When should I declare bankruptcy?
6. Can you consolidate credit card debt?
7. Will I lose my house if I do debt restructuring?
8. What is the difference between credit counseling and 4 Pillars?

We know that you probably need answers quickly. So if you live in Red Deer or Central Alberta, feel free to email me at reddeer@4pillars.ca. Alternatively, send me a question if you are unsure if I can help you.

The 4 Pillars advantage gives our clients peace of mind that comes from choosing one of the oldest and largest debt restructuring companies in Canada. Further peace of mind comes from knowing that we fully represent our clients, and take no funding from creditors, or a “piece of the pie” that our clients paying back to their creditors. Our debt restructuring, credit rebuilding, and budgeting services, offered through our Clients For Life™ program, allow us to assist our clients in removing the financial barriers they face and move forward with their financial goals, be that saving for retirement, buying a house, or putting their kids through school. No other Canadian company offers such an integrated system for creating financial stability.

We have helped individuals and businesses in Red Deer and Central Alberta improve cash flow, create savings, have garnishments lifted, solve large credit card debt, solve tax debt, retain real estate, solve liabilities that they are stuck with through divorce or separation proceedings, payout their consumer proposal in full through financing options, and so on and so forth. Again, we work to find the best options for our clients, and then see those options through. We work for our clients, not their creditors.

In our initial consultation, we will explore every possible solution for your debt challenge. We are not bound by one track solutions and have access to the most versatile debt solutions in the country. We will go over the long term cost vs. savings, benefits vs. challenges, right through to the exit strategy of every option. Education is the key to making a fully informed decision that benefits you the most today and in the future. Many times, people are seeking a solution and can end up dealing with their debt without being fully informed. Our goal at 4 Pillars, is to make sure our clients fully understand every option for getting out of debt and the details of each, so they will know through every step, that they are making the absolute best decision.

Once a solution is selected, we will work for you, making sure that the solution is implemented as discussed; keeping you informed every step along the way. Once implemented, we then need to put a plan together for savings, and credit rebuilding. We do not stop with a solution to the debt. Our goal is to not only solve your debt but to see you move forward from that point, setting yourself up for a better financial future.

My office location is: 4779 – 49 Street, Red Deer, AB T4N 1T6.

Call today to book a free one hour consultation in my Red Deer office.

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