Peter Temple, Debt Consolidation Burnaby, Consultant
My company helps people out of debt by providing debt consolidation and debt re-structuring services resulting in low debt settlements for my clients throughout Burnaby.
Being in debt is a very scary experience and has likely caused you many sleepless nights and stress within your family. Making the minimum payments each month is disheartening when you see that the amount owing is not going down due to interest being added back on again!
Your first step to get out of debt should be to research your options thoroughly and ignore the advertising hype from some of the less respectable companies out there making unrealistic promises.
Ignorance and fear stops many people from either taking any action to get out of debt or causes them to make a hasty decision which they regret later on. Make sure it is not you! Do Your Research.
Helping Burnaby Families Get Out of Debt
Peter, the consultant at our Burnaby office, will take time to first explain to you what ALL your options are and he will make sure that your questions are answered simply and clearly. Some of these options will involve debt restructuring and debt consolidation with 4 Pillars others will not. Afterward speaking to Peter you will feel confident that you are fully informed and able to make a decision that best suits your situation and long term goals. You may or may not require Peter's assistance depending on which option you choose to get out of debt. Either way he will always be available to answer your questions so that you can make the correct decision.
To date Peter has assisted over 400 families in Burnaby and the Tricities with debt consolidation plans to set them on a path of long term financial recovery. Many of these families are still in touch with him today for advice on budgeting, credit building, financial planning or even just for a casual chat. The testimonials below from past clients and other professionals reflects high standard of service he is proud to provide.
Our Pledge to Your Health
We recognize the stress that comes with being in debt can have a negative impact on the emotional well-being of our clients.
The mental health of individuals living with debt has become a concern for the health and financial services sectors. At 4 Pillars, we support programs that benefit mental health in our community.
4 Pillars Burnaby will donate $50 from every client fee to the Mental Health and Substance Use Program at Burnaby hospital. We know that good mental health is key to your financial recovery.
Important Bankruptcy and Consumer Proposal Essential Tips for Burnaby, BC Residents
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.
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.
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
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: Unit 207 - 3989 Henning Drive Burnaby, BC V5C 6P8.
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