Jennifer Virani
  • Jennifer Virani

  • Suite 218, 901 West 3rd Street
    North Vancouver, BC
    V7P 3P9
  • 604-612-9211

Jennifer Virani, Debt Help for North Vancouver

I know that debt is an incredible challenge. It seems hopeless and you want to make sure that you take the right steps. Here are options that every Canadian should know about getting out of debt.

It's strange isn't it? Consumers will constantly seek professional advice on how to invest small amounts of money but often won't seek the proper professional advice on the one biggest item that affects the financial future of the majority of Canadians, their debt.

I'm a debt consolidation expert who helps families and individuals in North Vancouver get out of debt, rebuild their credit, and put this difficult period behind them. While getting out of debt might seem like an impossible challenge, you do have options.

I've helped North Vancouver families and businesses create a comprehensive debt restructuring plan. Here's a basic overview of the debt consolidation services I offer.

Listen to My Podcast on helping clients with debt here

Debt Restructuring Plans for North Vancouver

4 Pillars is one of the largest debt restructuring in Canada. We help Canadians understand their debt settlement options and encourage financial literacy.

Our comprehensive debt restructuring plans has one of the highest success rate in the industry because we make sure that our plans do more than just get rid of consumer debt. They really do work.

When you work with me, I'll make sure that every single plan is tailored to meet the long - term financial goals of you. The true goal is to make sure that you treat your debt as part of a long term financial plan not in isolation.

Debt consolidation services for North Vancouver

Click for the BBB Business Review of this Credit - Debt Consolidation Services in North Vancouver BC

I can help you navigate the following:

  • Credit rebuilding
  • Debt restructuring - bankruptcy & consumer proposal
  • Consolidation loans
  • Financial literacy
  • Budgeting

How does debt restructuring work?

The key is to deal with debt as part of your long - term financial plan. You need to clearly understand your long - term financial goals and then look at all the options you have available.

The two key areas that are often missed when creating a plan to manage debt are the pre - work (analyzing cash flow) and the post - work (implementing a comprehensive credit rebuilding plan and how to use any additional cash flow to meet their long term financial goals). These are ultimately the cornerstone of a solid debt restructuring plan and can be the difference between success and failure.

4 Pillars works hard to have one of the highest success rates in the industry.

Does debt restructuring impact my credit rating?

Stop worrying and do something positive about your situation. 4 Pillars has an exclusive loan program that allows consumers to reduce the impact on their credit rating by 5 years.

The debt restructuring plan gives the same or greater debt reduction needed to remove the stress and make the payments manageable and the loan program gives a significant reduction in the impact on the credit rating. It's really the best of both worlds for anyone facing overwhelming debt.

This approach and a comprehensive credit rebuilding program will allow our clients to reach a 650 beacon score within 24 months, this is the magic number the traditional banking systems associates with a client that is rehabilitated and credit worthy.

Debt Restructuring Case Study in North Vancouver, BC

A couple came to me, mid 60's, with 70k in debt. This debt was accumulated because they took on the responsibility of helping their family when no one else would. Can you imagine THEIR stress, even without the debt!!

She was very sensitive, embarrassed and ashamed about the debt. I asked her how much she was paying monthly to service the interest. She said about $1200 to $1400 a month! She had taken a second job catering, she didn't like it but she needed the income. It broke my heart. This woman should be retired not working two jobs. They felt alone, helpless, and lost in debt.

After reviewing their options, we found that the best one for them was to file a consumer proposal. I was able to arrange the consumer proposal to be accepted by her creditors at $16,500! When it was passed this is how it helped them;

  • 1. The creditor calls they got day and night stopped - those alone could drive anyone crazy!
  • 2. It reduced their monthly payment to $275.00 per month interest free for 60 months! That freed up over $1000 extra per month!!! What would you do with an extra $1000 per month?
  • 3. Now that the financial crisis is passed I will work with them to rebuild their credit so they never get themselves into this situation again.
  • After the debt restructuring plan was completed I literally saw the weight fall off her shoulders. They saw the light at the end of the tunnel and are now saving for retirement. This is why I do my job!

    How does debt settlement and consolidation work

    Over the past 12 years, 4 Pillars has developed consumer strategies for dealing with debt and credit relief problems.

    We start by confidentially learning about your current debt and credit problems and as we gather your personal information. Once we have created a detailed debt restructuring plan we meet with you to review all your options so you have all the information you need to make a decision and discuss what our debt restructuring plan can do for you.

    As we work through the plan we work together to analyze your current budget and understand how your cash flow will increase after the debt restructuring plan and how you can use it to meet you financial goals and plan for the future.

    Once the debt has been dealt with its time to deal with your credit rating. What many people don't realize is that once the debt has been eliminated rebuilding the credit is just as important to reduce future vulnerability to emergency expenses.

    Actual 4 Pillars Case Studies of Consumers I have helped

    Case Study 1: Loss of Job

    Angela came to 4pillars after trying on her own to get a handle of her debts. She was laid off from her job when her position was no longer required, leaving her to find any type of work she could. After months of no success she had no choice but to go on Employment Insurance.

    Her bills came and debts started to add up. When I met her she was working at a minimum wage job and at her wits end and extremely overwhelmed and stressed out about how she was going to managed to pay $55,000 of credit card debt back, especially when the interest keeps growing.

    We put a plan together for Angela that she was very comfortable with and we were able to reduce her debt to $12,000! Angela now had a plan to be debt free, stop the interest and have an affordable payment.

    The stress was instantly reduced and now we are able to work together on rebuilding her credit.

    Case Study 2: Divorce

    Caitlin came to 4Pillars after being through a separation, having vet bills to care for her sick dog and doing everything she could think of to get a handle on her $48,000 of credit card debt.

    She was paying over $1400 a month just to satisfying the minimum payment.

    She was getting nowhere on her own. After sitting down with her I was able to go over all of her options and she knew that the Consumer Proposal made the most sense for her and was the cheapest option.

    She is now paying $325 a month and is able to start putting money aside for retirement and investment. The amount of freedom and relief she has now moving forward is priceless.

    About 4 Pillars

    4 Pillars are experts in debt problems, debt relief strategies, and credit card problems. Consumers come to use when they are facing any number of debt or credit related issues. Our goal is to support our clients through strategies we have developed over the last 12 years of business. If you are considering a bankruptcy or consumer proposal before you go see a Trustee call us today and book a one hour free consultation as you will be glad you did!

    North Vancouver Office

    Our office is located at Suite 218, 901 West 3rd Street, North Vancouver, BC V7P 3P9

    Our office hours are 9am to 5pm Monday to Friday although out of hours appointments can be arranged if necessary.

    North Vancouver Referral Partners:

    On Track Real Estate

    Contact: Shirley Louie

    Tel: 604 307 8867


    Shirley is born and raised in Vancouver, BC and knows the city in and out. She is very motivated and driven and goes above and beyond for her clients. As a realtor, she offers valuable advice on the market and is a great asset to have on your side when you are looking to purchase a home.

    Jennifer Virani
    • Jennifer Virani

    • Suite 218, 901 West 3rd Street
      North Vancouver, BC
      V7P 3P9
    • 604-612-9211

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