4 Pillars Consulting Lethbridge

Description

First, we review your debt relief options
From the first time we talk on the phone you will be able to start to breathe easier. We use this first phone consultation to gather information that will help us to decide what course of action to take based on your specific situation and what your long-term financial goals are. Everyone's situation is different and there are different avenues that we can utilize to alleviate your pressures. We can either exchange emails, have a phone call, or you can meet me at our Lethbridge office. Decide on a debt management plan Once we have the information we will meet in person after we've had a chance to go over it and discuss what we feel will be the best course to take. You will be informed of all your options and we will recommend, based on what you've told us, the avenue we feel is right for you, however the choice is totally yours to make. Once you have decided that you are ready to take control of your finances we will sign an agreement and start work immediately on implementing the plan. At this time you will be asked to gather the information that we need to move forward. Create a debt settlement proposal Throughout the whole process we will work with you to resolve any issues that come up and make sure you are comfortable with and understand the actions you need to take. Once we have the information we need we will structure the debt-restructuring proposal to ensure it is done on your terms and affordable to you based on your income and expenses. We will then work to find the right trustee based on your situation to submit your proposal to the creditors (the trustees role is to represent your creditors, our role is to represent you). We will then all meet with the Trustee and sign the papers to present your proposal to the creditors. We will walk you through the whole process and explain what's happening and what you can expect next. We work for you, not your creditors After the debt settlement proposal has been filed we will monitor how your proposal is progressing and keep you informed as to any negotiations we have to do on your behalf with your creditors to get the best deal we can for you, our client. We do not work for the creditors we work for you and always have your best interests in mind. Once we have reached a deal with your creditors and your proposal has been accepted we can immediately work on rebuilding your credit to minimize the impact the proposal will have and we will also begin working on a budget so we can make sure you don't find yourself in this situation again. We will provide you with the tools and the knowledge to get you set up with the right kinds of credit to get your credit score back to where it needs to be so you can borrow responsibly and get the preferred rates that other people are getting.