How does 4 Pillars Ottawa Set Me Up for Life?
(An alternative approach to Trustees and Credit Counsellors)
Hi, I’m Shawn Frank , your 4 Pillars Debt Specialist in Ottawa. Last month we explored the difference between having a Licensed Insolvency Trustee (aka Bankruptcy Trustee) deal with your debt and hiring a 4 Pillars Debt Specialist. As it turns out the trustee has a duty to your creditors and has a fiduciary responsibility to your creditors. However, the 4 Pillars Debt Specialist works exclusively for YOU. In fact, 4 Pillars doesn’t just deal with your debt, they work with you to ensure you stay out of debt. They also help you recover from the experience and grow financially.
Educating Clients
The more you understand about your credit the easier it is to avoid the pitfalls of debt. Unfortunately most people learn about downside of credit after they stumble into debt. There is a lot of misleading information floating around but 4 Pillars Debt Solutions gets you the facts. Your 4 Pillars Debt Specialist will educate you throughout your debt settlement process, giving you the tools to stay out of debt and grow financially. It’s been said that ‘those who ignore history are doomed to repeat it.’ So they work with you, teaching you how to create a realistic budget and stick to it. They also help you plan for the future you want. As a result, over 97% of 4 Pillars clients have successfully completed their debt restructuring plans; making 4 Pillars an industry leader in Canada.
4 Pillars Debt Solutions has been an integral part of developing Financial Literacy in Canada. Since 2005 they created a new platform of financial literacy tools designed to help both social workers and non-profit organizations assist and educate low income families in Edmonton. At 4 Pillars we believe that consumers who are more confident about money, and better able to build their savings, will go on to create a better future for themselves and their families. After all, ending the cycle of debt starts by educating consumers, so 4 Pillars vows to continue working to create and promote Financial Literacy programs in Canada.
The Clients for Life Philosophy
If you’ve been having headaches and you look to the internet for a diagnosis, no doubt you’ll convince yourself it’s a brain tumor. Hopefully before you DYI your brain surgery you get a second opinion from a real doctor. Your doctor will order tests, and carefully evaluate the results before presenting your diagnosis. Surprise, it’s not a brain tumor and you were worried for nothing.
The same mistakes can be made when trying to deal with your debt on your own. In fact, without having all the information you could be doing more damage to your credit then you realize. Not that looking for debt solutions in a top 10 buzz feed list isn’t entertaining, you really should consult an expert. Fortunately 4 Pillars works with you throughout the whole process. Whether your debt settlement strategy is Consolidation or a Consumer Proposal, 4 Pillars is there to represent your best interests from start to finish. While you are paying off your debt, 4 Pillars is helping you rebuild your credit and build your savings; they’re teaching you how to budget and showing you how to avoid falling back into debt. At 4 Pillars you’re not just a client, you’re a CLIENT FOR LIFE! As such you are able to seek out advice and assistance whenever you need it.
Specialized Tools Exclusive to 4 Pillars
4 Pillars takes a holistic approach to helping people with debt; instead of just taking care of your immediate needs, 4 Pillars steps back and takes in the bigger picture, life after debt. For over the past 15 years, 4 Pillars has been creating Debt Restructuring Programs that take into account the many unique aspects of each client’s overall financial situation. As a result 4 Pillars is able to help their clients recover and rebuild faster than any other program out there.
BUDGETING: It sounds simple yet it’s surprising how many people don’t have a realistic budget. 4 Pillars teaches you how to live within your means and track spending. In fact, something as simple as a budget is one of the most important tools for creating stability within the family.
PROPOSAL PROTECTION: This program is exclusive to 4 Pillars. It is designed to protect the payments made on a Consumer Proposal; should the client pass away or become sick, or get hurt due to an accident, the payments are made on the Consumer Proposal, helping avoid bankruptcy or being put back in the same financial position they worked so hard to get out off.
PHOENIX LOAN: When you are in a Consumer Proposal your payments do not work toward improving your credit score. The Phoenix Loan is also exclusive to 4 Pillars. It allows clients to qualify for a loan to pay out their consumer proposal giving an immediate jump in the credit score of up to 70 points and removes the consumer proposal up to 5 years sooner than making regular payments. The Phoenix Loan is an interest bearing loan that reports on your credit score to help speed up the credit rebuilding process.
CAR LOANS: Exclusive to 4 Pillars this program allows each client to qualify for a car loan at a significantly lower rate than they would otherwise qualify for given their current financial situation. This program ensures the client can get an updated vehicle in good condition with a solid maintenance record. This program also let clients avoid dealerships who would take advantage of their situation, huge payments, negative equity and high interest rates. 4 Pillars wants to get you in a safe new vehicle without being taken for a ride.
CREDIT CARDS: 4 Pillars has special relationships with credit card companies who are willing to approve an unsecured credit card based on how well the client is educated in financial literacy as well as 4 Pillars’ reputation for success. Remember, 97% of 4 Pillars clients have successfully completed their debt restructuring plans.
4 Pillars is able to offer these and many other programs to their clients because of the strong relationships they’ve built with like-minded financial planning companies, one of whom has the motto No Family Left Behind… 4 Pillars agrees.
The Promise Land of Real Opportunity
Shortly after your first consultation with your 4 Pillars Debt Specialist your financial situation will be analyzed and a strategy created to best deal with your debt. Your debt will be reduced by up to 80% and a manageable repayment plan will be devised. Within five year you will be debt free and armed with the tools to confidently embrace your financial future. So, what does your post debt future to look like? Without debt weighing you down, it’s a future full of promise.
As a 4 Pillars Ottawa Debt Specialist, I take great pride in being able to lead my clients through the maze of debt. I understand the stress their debt has caused and how it has left many of them feeling helpless and without hope. So, when I can help a client reduce and eliminate their debt, and then get them on the road to a positive financial future, I know I’ve done my job.
By using 4 Pillars I was able to reduce my unsecured debts from almost $95,000 down to a payment of $375 per month and I will be debt free in just 5 years. By following the advice given, I am now back on track financially and living a worry free life again. If I didn’t seek their help I would have lost my house, car and health. Kevin, Eastern Ontario
Next month we’ll take a more in depth look in to your debt free future. In the meantime if you’re in the Ottawa area and you want to explore your options or discuss your own debt situation, call me, Shawn Frank of 4 Pillars Ottawa, to set up your free initial consultation. (613) 515-0161
4 Pillars Debt Solutions. Visit us at 4Pillars.ca
