Trust is tricky. Finding someone to trust with your secrets starts at a young age, and you risk betrayal if the person you’ve entrusted with your faith fails to keep your confidence. By the time you’re an adult, you’ve usually found someone you can trust and met people you can’t. Your lawyer, your doctor, your priest, these are people you approach with the unspoken assumption of trust. However, for most people, meandering through their everyday lives, trust isn’t always given so freely. When someone accuses of you of having trust issues, you can probably trace the cause back to one singular incident in your past.
When you’re struggling with Debt Issues, who can you Trust? Chances are you’ve tried to deal with your debt on your own only to end up in more debt. Perhaps you trusted your debt issues with a friend or family member, only to be met with a lecture or an “I told you so”. You may have gone as far as speaking to others in the debt industry only to find their solution benefited your creditors instead of helping you.
When you have debt issues you have every reason to feel suspicious, cautious, and leery of anyone offering help. You’ve learned from experience, if it seems too good to be true, it probably is. When you’re ready to reach out and ask for help with your debt, do it with your eyes wide open. Do your research, don’t be shy, you’re about to trust someone with your financial future, make sure it is someone who deserves your trust.
A reputable Debt Specialist will encourage you to do your homework. Don’t just google them, talk to the better business bureau, seek out former clients, and don’t be afraid to ask questions.
- If they aren’t charging you, ask them how they’re getting paid.
- Ask for references. (Remember, they should be working for you!)
- Ask for a detailed explanation of how they work and what exactly they are going to do to help you. (A successful debt restructuring plan should go beyond just dealing with your debt, it should help you create a sustainable budget and provide a comprehensive credit rebuilding program.)
- Do they make you feel judged and blamed for your situation, or do you sense sincere compassion and understanding?
- Do you talk with an expert face to face, or are you dealing with a call center.
- Does it feel like they genuinely care with an understanding of your situation, or are you just another file to process, sent away one size fits all, debt plan?
- Are you being heard? Your debt issues are short term but your financial goals are not, so any plan to deal with your debt must be considered.
I’m David Moffatt, your 4 Pillars Debt Specialist in Halifax. When I finished my time in the Canadian Armed Forces I knew I wanted to pursue a career that let me fight for those who weren’t able to fight for themselves. As your 4 Pillars Debt Specialist I work for you. I am not affiliated with your creditors in any way. I am accountable to you, my client. I will help negotiate your debt down to a manageable size, often by up to 80%! While you are paying off your debt, I will be helping you rebuild your credit, while laying the ground work to achieve future goals. It’s my goal to see you debt free and thriving within 5 years.
Is 4 Pillars Debt Solutions a Scam?
No, 4 Pillars Debt Solutions is not a scam. Yes, we provide a service for which we do charge a fee. But, with that fee comes our assurance that we work only for you. It may seem like we’re too good to be true. However, over the last 15 years 4 Pillars has created a program to deal with debt that we believe is the most successful and most comprehensive in Canada. We are not impartial, we represent your best interest and we have no obligations or duties to your creditors.
To read the 4 Pillars promise in full, click here
4 Pillars Debt Solutions has earned a rare position in this market. Many debt companies are either funded by your creditors or have a fiduciary duty to them. At 4 Pillars it’s our belief that when you are in the debt advisory business you either represent the debtor or your represent the creditor. We don’t believe you can do both and remain impartial. Since 2002, we’ve been creating strategies to get Canadians out of debt, and keep them out of debt. As a result, 97% of our clients have successfully completed their debt restructuring programs and are now experiencing freedom from debt. With our help they have been able to quickly rebuild their credit and are on their way to achieving their financial goals.
As a 4 Pillars Halifax Debt Specialist I like knowing that I can make a difference in my clients’ lives. One of the first things I can give my clients is peace of mind. From there, I roll up my sleeves and get to work. As a result I have clients who are already rebuilding their credit, while paying off their debt, and laying the ground work for a financial future they never thought possible. Whether that future includes home ownership, opening a business, or retiring with confidence, they are all goals that wouldn’t have been possible with debt weighing them down.
To hear their stories and thousands more, click here on the client testimonial link
A Healthy Dose of Skepticism
To have trust you need transparency. As your 4 Pillars Debt Specialist I will address your concerns honestly. And if I don’t have the answer, there’s a team of 4 Pillars debt experts sitting behind me who do. So do your research and look us up the Better Business Bureau, we’re very proud of our A+ rating.
Whether you are talking to 4 Pillars Halifax or one of the over 60 other 4 Pillars locations across Canada, you will always be met with compassion and respect, by a professional who wants to see you debt free and thriving. Click this link to see the 4 Pillars locations near you.
What’s In It for You?
Peace of Mind. It may not seem like a big deal, but if you’ve been struggling with your debt, the knowledge that you finally have someone on your side, working for your best interests, can make a real difference in how you recover from your debt. Fact, 4 Pillars Debt Solutions restructures almost $1 Million of debt every day so you can be assured you are working with a proven winner when it comes to reducing your debt, rebuilding your credit, and paying off that debt.
At 4 Pillars Halifax I listen to your concerns about debt and your hopes for the future. I take this all into careful consideration as I thoroughly analyze your situation. From there I put together a strategy that is going to work best for you. I’m the one who will be creating the plan to deal with your creditors, keeping you up to date as we go! If someone has told you bankruptcy is your only option, talk to me. If it’s determined that a Consumer Proposal is a better, less drastic option, the 4 Pillars team and I will be there to help you structure the proposal on your terms as we represent you throughout the whole process.
When you have Debt Issues, who can you trust? 4 Pillars Halifax, I’m David Moffatt, call me today at (902) 482-9748.