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.
I am an Insolvency Counselor by the Canadian Association of Insolvency and Restructuring Professionals (CAIRP).
I believe that anyone struggling with debt should be well informed and know the options available to them. I’m happy to answer questions and always take the time to fully explain procedures and processes to my clients.
I spent 8 years in the Automotive Franchising industry where I worked one on one with business owners, helping them achieve their goals and improve profitability. I take a creative approach to problem-solving and work diligently to find the optimal solution for my clients.
Often, people struggling with debt attempt to get a loan to solve their debt troubles. Unfortunately, loans only provide temporary relief as all the debtor has done is paid off one debt with another debt. At best, a loan will only save the debtor a bit of interest.
Debt Restructuring involves reducing the overall amount of debt owed, and repackaging it so the debtor is better able to pay off his/her debt.
Each method has its own advantages and unique characteristics. In each case though, the overall amount of debt owed is reduced, thus making the elimination of debt more manageable. The number of money debtors saved through restructuring is almost always beneficial, occasionally staggering!
Getting out of debt requires more than debt elimination though. Once the restructuring process is complete, it’s up to 4 Pillars to help clients rebuild.
While people fall into debt for all kinds of reasons (often circumstantial), learning to develop and utilize a budget is a critical skill for anyone who wishes to remain debt-free in the long term.
4 Pillars follows up with clients and works through a comprehensive budgeting program, providing tips and techniques on how to maintain positive cash flow and avoid future debt.
Anyone who has struggled with debt and gone through the restructuring process will need to rebuild their credit as well.
The great thing about credit is it can always be rebuilt, often in as little as 18 months.
A mutual friend of ours thought 4 Pillars would be great for you! Sign up below to learn about Debt Education, Credit Building, Financial Management & More!
Disclaimer: If you are a WFG Agent please submit your referrals using this page.
Contact your local 4 Pillars office if you have questions or would like to leave a comment about your 4 Pillars service.
