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4 Pillars

There is a way out.

Find a debt solution that works for you.

We help to reduce your debt by up to 80% and get you back on track. Up to 97% of families successfully complete the plans we create and become debt free.

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4 Pillars Richmond

  • Gurinder Dhaliwal

  • #130-10691 Shellbridge Way
    Richmond, BC
    V6X 2W8
  • 604-231-5841
  • richmond@4pillars.ca

4 Pillars Richmond

Gurinder Dhaliwal, Richmond Debt Consolidation and Restructuring Specialist

If you are searching for help with managing your debt in Richmond BC, I can help. 4 Pillar's is Canada's largest debt restructuring company, helping thousands of Canadians every year avoid bankruptcy and find solutions to unmanageable debt.

We have more than 12 years of experience creating financial plans for Canadians facing financial challenges and we have built our services around your long - term needs. For example, we have a program that can remove a debt restructuring plan or consumer proposal 5 years sooner than any other company in the industry.

98% of our clients complete our debt restructuring and credit rebuilding programs.

Here's how I help Richmond families and businesses find a solution to their debt.

Richmond Debt Settlement & Consolidation Services

The debt industry is very misleading. It's my job to educate you on the different options available to all Canadians and then build a solid plan.

Right now, you might have a lot of questions and be confused about the different options. When you work with 4 Pillars, we'll handle everything - from educating you about your options to negotiating with your creditors to building you a long - term debt reduction plan.

My office offers the following debt settlement and consolidation services to the Richmond, Delta, and Steveston areas.

  • Debt consolidation (including consumer proposals and informal proposals)
  • Debt settlement and restructuring
  • Credit rebuilding
  • Budgeting plans
  • Financial literacy and guidance
How we help you to reduce your debt

Our job is to first analyze the type of debt you have, understand your immediate payment challenges, and then build a long - term plan to get you back on track and achieve your financial goals. This generally involves negotiating with your creditors to work out a settlement and restructuring your debt.

In so many cases clients have told us that once they have dealt with all their debt problems they feel an overwhelming sense of joy, and for the first time, many are thinking about their future again.

Our Debt Elimination Process

If you live in the Richmond, Delta, and Steveston areas, you can begin the process with a no-charge consultation. This can be in - person or over the phone. We'll begin by hearing about your situation and the types of debt you carry.

Next, I'll give you a brief education about the types of options for Canadians. You have so many more options than bankruptcy and if your debt is unmanageable, it's unlikely that you'll need to pay the full amount back to your creditors. I'll explain these options and answer your questions.

We have over 12 years of assisting Canadians with debt problems. We create effective debt restructuring and credit rebuilding plans that fit your individual situation through our diligent, caring fact-finding consultation.

I really care about the long - term success of my clients. I'll show you the path forward, build you a successful debt restructuring plan, and give you the tools you need to succeed.

About 4 Pillars, Richmond BC

The 4 Pillars advantage gives our clients the peace of mind that comes from choosing one of the oldest and largest debt restructuring companies in Canada.

Our debt restructuring, credit rebuilding, and budgeting services, offered through our Clients For Life™ program, allow us to assist our clients to remove the financial barriers they face and move forward with their financial goals like 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.

Debt Shaming: When the Voice in your Head Won't Shut Up

You know when you get a song stuck in your head. No matter what you do to distract yourself it's still in there and we think debt is like that too...

To read more of this article I posted for my Richmond, BC clients to read....Learn More

4 Pillars Reviews

Dealing with my difficult situation

I woke up one day and decided to do something with my difficult financial situation. There was this pop up while browsing the internet, and I found myself answering the questionnaire. Then Gurinder Dhaliwal of 4 Pillars emailed me right away and invited me to meet up. Without wasting time, I immediately set the appointment with him. After just the first time we met, Gurinder gave me that bright star of hope of resolving my financial problem. He was so professional and kind to explain the plan, to answer my questions, and guided me on how to complete the financial analysis and the forms. Around three to four weeks later, I was able to breathe and sleep better, with a deep sigh of relief that I can live life again. With 70% of my debts offloaded, I am able to start anew, at the same time learned how to manage my finances better. Thank you so much, Gurinder. May you receive more blessings for saving and offering people a second chance to financial buoyancy.

J.R. Richmond, BC

Knowledgable and Helpful

Gurinder Dhaliwal at 4 Pillars in Richmond, BC was very knowledgable and helpful and was able to help me reduce my debt by more than $20,000 with a Consumer Proposal. I am now able to start fresh, debt-free and rebuild my credit. I highly recommend Gurinder for help with any debt issues.

April 22, 2015 by Andrea S.

Heartfelt Appreciation

I'm happy to let you know that my proposal has been approved by the trustees/ court department last February 2nd. I got an email and text message from them. By means of this, I feel so happy, confident, I can stand alone right now and to proceed on my way. I got a good breath physically, where all my burdens/anxieties and all sleepless nights gone. Thanks to GOD, and to you for HE is always with you. I want to express my heartfelt appreciation to you for the effort you've made and for all the goodness you've done. In this regard, please stay remain because there are still a lot of people around you who are a victim of an ocean of debt like me and they need your help.

Bye here, million of thanks.

February 14, 2015 by Marvin

Everyday im grateful..

Every day I'm grateful to Gurinder Dhaliwal, his commitment and dedication to helping me by answering all of my questions give me a positive attitude to face my debt problems. He is a God sent. He's shown me great confidence and enthusiasm for the results. Successful. Many thanks, Gurinder!

December 20, 2014 by Nellie R

Finally I am able to live again

Gurinder was patient in understanding my financial situation and took the time to explain my options to reduce the debt. I am very pleased with the service and the result. Finally, I am able to live instead of burden with the overwhelming debt that I have been shouldered for 3 long years.

December 16, 2014 by Mike Chan

Easing the burden of sleepiness nights

First of all, I would like to say thank you very much for helping me ease the burden of sleepiness nights due to the financial challenge I had in the past months dealing with my credit card debts. Mr. Gurinder coached me through a very stressful time in my life. You really helped me through a very difficult situation and you did a great job. Keep up the good work and don't ever give up on helping people because there are lots of families who really need help, like me. Those people that by chance in their life suffers financial challenge & need the service & financial education you provide. Thank you so much for all your hard work and professionalism. I mostly appreciated how you only cared about what was the best course of action for our benefit. I will surely refer more people to you because I know for sure that you will provide the best service and family will have a better financial understanding.

Nancy, Richmond, BC

Highly Recommended

I would like to recommend Gurinder Dhaliwal to anyone, who is looking to consolidate their debts or seek advice regarding financial matters. Gurinder is highly knowledgeable in the above area and will be able to assist you. Gurinder is always looking to excel in that area. I hope that this will help Gurinder get more customers in the future.

John, Richmond, BC

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"The stress and worries are over. We are living again."
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