Debt Relief & Restructuring Specialist
Develop a Debt Free Life
Many households and businesses across Canada are challenged with debt levels at an all-time high. Whether it is personal debt or business debt, it doesn't matter. Debt is debt and needs to be dealt with by way of a focused strategic plan.
About the 4 Pillars North Bay Team
With his extensive background in debt management and financial restructuring, Ryan is uniquely positioned to offer you or your business the debt help and debt solutions you seek. Ryan has helped Canadian families and businesses across Canada, including hundreds of clients in the North Bay area, become debt-free, enabling them to prepare for their financial future.
Ryan has established a team wherein each client is met with compassion, respect and the confident assurance to turn around their financial situation and put them back on the road to prosperity. Services include professional financial consultation, debt restructuring, budget evaluation for individual and family, and finally asset protection and refinancing recommendations.
Living and working in the area, Ryan can identify with the unique financial challenges that individuals, families, and businesses face in this region. When it comes to solving debt, there is no broad answer that is suitable for everyone. Every situation needs a solution unto itself.
It is the primary mandate of Ryan and his team to ensure that their clients are taken care of with an individualized plan suited to each client's needs. Join thousands of 4 Pillars clients today who have become debt-free.
How Ryan Brown can help reduce YOUR debt
As a 4 Pillars Debt Relief Specialist, Ryan is able to help you reduce your debt by up to 80%, often eliminating that debt within 5 years. Using their expertise in the financial industry and the community, the North Bay team work with you to assess your particular situation and create a plan to eliminate your debt. They then continue working with you to help rebuild your credit.
Everybody's debt situation is different but rest assured bankruptcy isn't your only option. With debt restructuring programs, consolidation, and settlement programs available, the North Bay team works tirelessly to find the solution that is going to work best for YOU. DEBT is the number one reason marriages fail, businesses go bankrupt and Canadians live with an overwhelming amount of stress and anxiety.
4 Pillars was created in 2002 with one goal in mind, to represent their clients with compassion, understanding, and respect, while helping to reduce and ultimately eliminate their debt. Using their expertise in the industry and educating their clients throughout the whole process, the 4 Pillars model is one to be envied. With a 97% success rate, 4 Pillars clients look forward to a debt-free future along with all of the peace of mind that entails.
4 Pillars' relationship with their clients doesn't end once their debt is reduced. They continue to work with clients, educating them while helping to rebuild their credit. As a result, when 4 Pillars clients are ready to re-enter the world of credit they do so armed with knowledge and the confidence to avoid future debt, as well as the ability to spot a predatory creditor who will take advantage of them.
Rise Above the Storm
4 Pillars Consulting helps clients relieve the burden of debt
"We see businesses that are viable but struggling because the owner is carrying so much personal debt," says Ryan Brown, 4 Pillars Consulting. "Or business owners will refer an employee to us for help. When an employee has their debt problems solved, they're more productive, happier at work, and take fewer sick days." To learn more read this article
Here is how it all fits together:
North Bay Debt Restructuring Information
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 allows us to help clients remove the financial barriers they face. This allows them to move forward with their financial goals, be that 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.
Case Study - Steve and Angela:
Angela became ill for a couple of years. As a result, she had to take time off work. The family's emotional challenges were great and they pulled together to get through it. The obvious financial ramifications were that the household income decreased due to a lack of Angela's income. However, the greater contributor to their financial hardship was the "hidden cost of healthcare". The Trips to Toronto for treatment and specialist appointments, paying for parking and hotels and paying for medications that are not covered by Ontario's subsidized system. Further to that, Steve would take time off work to drive Angela to appointments and be with her. The very good news is that Angela has made a full recovery. The problem that lingers and in fact causes great stress on the family, is the debt that was created while going through the hardship. Steve even cash out half of his pension under financial hardship provisions in order to service the debt. However, because of the length of the illness and treatment, more debt was created. Thankfully, when Steve went back to his financial advisor, requesting the rest of his pension to be cashed out, the advisor in the meantime had met with me as a 4 Pillars Agent and learned about the service that we at 4 Pillars provide. So instead of cashing out the remaining pension, the financial planner referred Steve to our office for at least a free initial consultation to see what can be done. The outcome was that with 4 Pillars guidance and representation, Steve and Angela were able to make a consumer proposal where they saw a reduction in their principal debt from over $50,000 down to $15,000. This improved their cash-flow by approximately $1000 per month, and it kept Steve's pension intact. Most importantly mom is doing well, but it is important to note that their consumer proposal has now been paid in full and they have moved on to a brighter future healthy and debt-free. It is clients like Steve and Angela that make us want to come to the office every day. Thank you, Steve and Angela, for becoming our clients, we are richer for it.
Ryan Brown 4 Pillars Consulting Group – North Bay/Sudbury/Muskoka/Parry Sound
Main Office Address:
Our North Bay office is at 176 Lakeshore Drive - Suite 3C, North Bay , Ontario P1A 2A8. Our telephone number is 705-980-0158.
Where to find us on the Internet
Here is some of our local listings:
Facebook Directory: www.facebook.ca/4 Pillars Consulting North Bay
Instagram: 4 Pillars North Bay Instagram
LinkedIn 4 Pillars Consulting Profile: LinkedIn Profile
North Bay 4 Pillars Consulting Twitter Profile: Twitter Profile
North Bay 4 Pillars Consulting Google + Profile: Google + Profile