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4 Pillars or A Licensed Insolvency Trustee: your best option in Windsor

By Liliana Glen

4 Pillars or A Licensed Insolvency Trustee: your best option in Windsor

When you find yourself starting to carry a little extra weight your pants are usually the first to tell you.  And they rarely do it in a nice way.  But at least you know it’s time to cut back on some of those bad eating habits and step up your exercise game.  But when it’s your debt that is growing the changes are more subtle.  Instead of popping a button or finding it hard to climb the stairs, your increase in debt kind of sneaks up on you until you realize you can’t pay your bills, your savings have drastically reduced, and your cash flow is so restricted you can no longer breathe.

Your debt not only has an adverse effect on your financial health, it is negatively impacting your physical and mental health.  As you frantically search for a way out, there are many people offering you their own financial diet of sorts, but some of these can be dangerous, causing more harm and in the end even more debt.  Just like when losing weight, losing your debt requires more than just reading the labels, it sometimes requires serious professional help.

4 Pillars Windsor Debt Consultants work for the YOU the consumer.  Trustees Work for your Creditors. 

If your debt has gotten to the point where you feel your only option is Bankruptcy or a Consumer Proposal there is some very important information you need to know.

  • You are legally required to go through a Licensed Insolvency Trustee (formerly known as a Bankruptcy Trustee) to file and administer a Bankruptcy or Consumer proposal.
  • The Licensed Insolvency Trustee or LIT is NOT legally required to work in your best interests.
  • The Trustee has several statutory obligations under the Act, none of which is to act as a financial advisor to a consumer struggling with consumer debt.
  • The LIT is not obligated to help a consumer get the best possible result when making a consumer proposal or a bankruptcy.
  • The LIT has a fiduciary duty to your creditors.

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But there is some good news.

  • You are perfectly within your legal right to hire an expert of your own to navigate the process, advocate on your behalf, and ensure you get the best possible outcome for your personal situation.

4 Pillars Debt Consultants work for you and only you.  There is no conflict of interest.  Their priority is to reduce your debt by up to 80 percent and work with you on a comprehensive credit rebuilding plan so you are not left vulnerable for future financial challenges. In fact, with 4 Pillars by your side you will be debt free within 5 years.

4 Pillars Creates Lasting Solutions

With one call to 4 Pillars Debt Consultants you will find yourself working with a compassionate financial expert who will work to create the best solution for your financial situation.  One of the first casualties of your debt is often your credit rating.  As a result you may find it difficult to move forward from your debt. Forget about getting a mortgage, a poor credit rating can make it difficult to rent an apartment.  4 Pillars has programs in place to help you rebuild you credit, quickly and effectively.  They will even help you create a realistic budget that lets you plan for your future. But that is just the beginning.

If you’re unsure of your debt situation or how to proceed, 4 Pillars offers an online Debt Bootcamp that can help educate you.  You can sign up for free at 4Pillars.ca.  Plus, 4 Pillars offers a comprehensive After Care Program ensuring you are not a forgotten number once your debt is dealt with, you’re a valued client for life.

4 Pillars has been helping Canadians reduce their debt since 2002. In fact over 97% of their clients have successfully completed their debt restructuring plans; making 4 Pillars an industry leader in Canada.  4 Pillar’s After Care Program is so successful that competing companies have been sending their clients to 4 Pillars to ensure they have the tools to not only stay out of debt, but they are able to reach their financial goals.

4 Pillars Culture of Caring 

4 Pillars has helped thousands of Canadians see their way out of debt.  With a little tenacity and persistence, our Debt Specialist in Barrie Ontario was able to help a young family avoid bankruptcy and reduce their debt from $120,000 to $19,500.

The young Ontario family approached 4 Pillars in Barrie for help with their debt.  They’d been to a Trustee in Toronto who told them they could only reduce their debt to $81,000 leaving them with a monthly payment of $1350.  This amount was still more than they could afford and they feared they would soon lose everything.  The 4 Pillars Debt Specialist knew there were better options for this hard working family and she set out to reduce their debt even further. Through perseverance she negotiated with the bankruptcy trustees to structure a Consumer Proposal this young family could afford; taking their monthly payments from a staggering $3500 a month to an affordable $350 a month over the next 60 months!

should I declare bankruptcy or file a consumer proposal Canada

Hello, I’m Liliana Glen, your 4 Pillars Debt Specialist in Windsor.  Over the next two installments I’ll be explaining the approach that credit counsellors and trustees take with your debt, I’ll also give you a glimpse into your debt free future, and share some of success stories. So when you’re ready to lose the debt, call me today to set up a free initial consultation.  (519) 962-9766

4 Pillars Debt Solutions.  Visit us at 4Pillars.ca


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