The husband and wife were an older couple. They were being forced into retirement, he had spent his life in government jobs, she in the service industry. She had made the initial call to me saying that they could no longer make the $1250.00 a month minimum payment to their creditors on their pension incomes. At the end of their free consultation, I told them that I was sure we could settle their debt at about $350.00 a month. After I explained it all she believed it could happen, the husband, on the other hand, thought that it was absurd and impossible. Every couple of days I would get a call from him saying he didn’t think it would work but he went ahead anyway, I think more to keep his wife happy than anything else. When the day came that I told them their proposal was settled at the $350.00 I’d estimated, they were very pleased. For the first time in years, they could see a future for themselves in their retirement years!

Like most new clients, you likely have common questions that I can help answer.

Most new clients have the following questions:

1. What is the difference between debt consolidation versus credit counseling?
2. When should you declare bankruptcy?
3. What is a consumer proposal?
4. Why should I go with a private company instead of just paying creditors directly?
5. Can you consolidate credit card debt?

You are entitled to a complimentary consultation where I can give you specific guidance about the different options out there to help you reduce your debt and take the first step towards a better financial future.

Feel free to email or call me if you have a specific question.

Your financial situation is unique to you; there is no one solution that fits all.

The very first thing that I do is listen to your concerns then together we create an accurate overview of your finances, once we have this I go over all the options available to you.

Knowing what you can do is very empowering – you are no longer the “victim” of your debt. I can then put together a strategy that is in your best interest and detail how that would look for you going down the road.

When I joined 4 Pillars all we did at that time was restructure debt – if you had $50,000.00 of debt we would get you out at approximately $20,000.00 with no interest and that was it!

Since then 4 Pillars have created new services each and every year that has brought us to the leading edge in this industry. We have come from a debt settlement company to a company that has the tools to build a new future for our clients. I am proud to be a 4 Pillars Franchise owner!

4 Pillars has the widest range of skills and tools available to help you deal with your debt, whether it be protecting your home, bringing your debt down to a manageable monthly payment, helping you to build budgeting skills or credit rebuilding.

Our “Clients for Life™ program” is there for you as you move beyond your debt be it buying a home or wealth generation, we are the professionals that work for you!