Is Your Debt Hurting You?
Is Your Debt Hurting You?
Your Local Debt Specialist
Working for you, not your creditors
In today’s marketplace consumers are inundated with advertisements for debt settlement options. You may have arrived at this website to research the choices you have to settle your debts and stop creditor harassment.
The information gathered from your research can be conflicting, This is why, when dealing with such an important matter, it is crucial to deal with a local professional who is knowledgeable, and specializes in the credit and debt industry.
Our budgeting process is a simplified approach to determine what your affordable monthly payment to your creditors will be.
Negotiating with your creditors to reduce your unsecured debt, typically with 0% interest and in affordable monthly payments.
Our comprehensive approach over a 12 to 36 month period will re-establish a positive credit rating for you.
In this initial meeting you will be informed what options are available to you. Most people want to avoid bankruptcy so we provide you with factual information including risks, costs, and ramifications for each option; allowing you to make an educated decision to manage your current financial situation. You will also be informed on what your rights are as a debtor regarding the collection of debts.
Charlie and his team will be by your side every step of the way. In this stage more detailed information is provided to our office in order to initiate creditor negotiations. At this time you are also instructed on how to implement our effective “5 minute a day budgeting strategy.” With an affordable payment plan negotiated, you can begin your journey towards becoming debt free.
In planning for your future we determine what your short and long term financial goals are. We strategize and offer guidance on how to effectively achieve your goals. If it is determined that it would be beneficial to also seek assistance from other business professionals (i.e. mortgage brokers, financial planners) Charlie, as an active member of the local business community, can help find a suitable professional for you to work with.
Charlie Peet of 4 Pillars Consulting has over 14 years of experience in the credit and debt industry with an A+ Better Business Bureau rating. Since 2002, individuals, families, and businesses have utilized Charlie’s services to help relieve their stress, reduce their debt, and obtain financial freedom. Charlie’s knowledge and experience in debt negotiations has helped his clients reduce their debt by as much as 80%.
Charlie Peet is the only debt specialist in the Okanagan that represents you, and not your creditors.