Robert Osborne
  • Robert Osborne

  • 740 Chickadee Lane
    Castlegar, BC
    V1N 1E1
  • (250) 365-8070
  • kootenays@4pillars.ca

Debt Consolidation for Castlegar, Nelson, and Trail

Robert Osborne, Debt Consolidation Specialist


Helping Kootenays Families and Businesses Get Out of Debt

We help clients in the Kootenays get out of debt and rebuild their finances using services such as debt consolidation, consumer proposals, financial education, and debt restructuring. It's important that you know - bankruptcy is not your only option for putting debt behind you.

As a debt consolidation and financial specialist in the Kootenay region, I know the unique challenges rural life can have on debt.

I live and work here. I care about what happens here in the Kootenays!

The economy here is not the same as other regions, we have small centers of populations that make for difficulty in finding full time jobs, when there is a shift in the market place it affects the values of our homes and our ability to get work much more quickly than in other larger centers.

Knowing this allows me to assess your overall finances much more accurately than someone from a larger center.

If you live in the East Kootenays please visit this page: 4 Pillars East Kootenays Click for the BBB Business Review of this Credit - Debt Consolidation Services in Castlegar BC

A Kootenays Client We Recently Helped Get Out of Debt

The husband and wife were an older couple that were being forced into retirement, he had spent his life in government jobs, she in the service industry. She had made the initial call to me saying that they could no longer make the $1250.00 a month minimum payment to their creditors on their pension incomes. At the end of their free consultation I told them that I was sure we could settle their debt at about $350.00 a month. After I explained it all she believed it could happen, the husband on the other hand thought that it was absurd and impossible. Every couple of days I would get a call from him saying he didn't think it would work but he went ahead anyway, I think more to keep his wife happy than anything else. When the day came that I told them their proposal was settled at the $350.00 I'd estimated, they were very pleased. For the first time in years they could see a future for themselves in their retirement years!


Common Questions About Debt Consolidation

Like most new clients, you likely have common questions that I can help answer.

Most new clients have the following questions:

  1. What is the difference between debt consolidation versus credit counseling?
  2. When should you declare bankruptcy?
  3. What is a consumer proposal?
  4. Why should I go with a private company instead of just paying creditors directly?
  5. Can you consolidate credit card debt?

You are entitled to a complimentary consultation where I can give you specific guidance about the different options out there to help you reduce your debt and take the first step towards a better financial future.

Feel free to email or call me if you have a specific question.


How I Help You Get Out of Debt

Your financial situation is unique to you; there is no one solution that fits all.

The very first thing that I do is listen to your concerns then together we create an accurate overview of your finances, once we have this I go over all the options available to you.

Knowing what you can do is very empowering - you are no longer the "victim" of your debt. I can then put together a strategy that is in your best interest and detail how that would look for you going down the road.


From Debt Restructuring to Rebuilding Your Financial Future

When I joined 4Pillars Debt Consulting Group all we did at that time was restructure debt - if you had $50,000.00 of debt we would get you out at approximately $20,000.00 with no interest and that was it!

Since then 4 Pillars have created new services each and every year that have brought us to the leading edge in this industry. We have come from a debt settlement company to a company that has the tools to build a new future for our clients. I am proud to be a 4 Pillars Franchise owner!


My Castlegar Office

My office location is: 740 Chickadee Lane, Castlegar, BC V1N 1E1.

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


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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


About 4 Pillars

4 Pillars Consulting has the widest range of skills and tools available to help you deal with your debt, whether it be protecting your home, bringing your debt down to a manageable monthly payment, helping you to build budgeting skills or credit rebuilding.

Our "clients for life program" is there for you as you move beyond your debt be it buying a home or wealth generation, we are the professionals that work for you!

Robert Osborne
  • Robert Osborne

  • 740 Chickadee Lane
    Castlegar, BC
    V1N 1E1
  • (250) 365-8070
  • kootenays@4pillars.ca

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