Christopher Grew
1027 Pandora V8V3P6 Victoria, BC, Canada

A budget is just a plan for your money, folks. And the New Year is always a great time to make NEW plans! #chrisgrew #4pillars #budget #plans #future #financialhealth #WeworkforYOUnotthecreditors

Wishing everyone a safe and Happy New Year! #GoodBye2020

Wishing everyone a very Merry Christmas and a Happy New Year!

How fitting that it has started to snow for Winter Solstice Happy Winter Solstice everyone!

Imagine your life with NO DEBT! It's within your reach and we can help you get there. Call us today for a FREE 1 hour consultation.... 236-464-5011 | [email protected] #debtfree #thereisHOPE #ChrisGrew #WorkingforYOUnotCreditors #debtfree #finances #Canadians

8 Lies you are told about Debt Lie #7: People Go Into Debt Because They Are Irresponsible. ... We've worked with thousands of families in Canada and found that the final weight that tips the scale, that pushes them from debt to a dire financial crisis...is typically something small, something unexpected. The car unexpectedly breaks down and it's this last surprise expense that topples the house. A lot of people think that debt is a result of poor decision making. We've found that it begins slowly, grows more urgent, and then finally and eventually, collapses your cash flow. Most of our clients are typical middle-class Canadians that include police officers, teachers, bus drivers, and factory workers. They are Not irresponsible people. Instead, they are simply the product of a series of small, misguided financial decisions. When building a debt management plan, you need to account for unexpected expenses and cash flow. Even people in debt should be saving towards an emergency fund! Without a holistic view of your finances, you are very vulnerable. This is why you need to be careful about the dangerous debt cycle. Building an emergency fund (start with $1,000) is more important than paying every penny to your credit card. For more information on how we can help you protect what you have and STILL get yourself out of debt, give us a call or an email for a FREE 1 hour consultation (Covid policies in place). 236-464-5011 | [email protected] #debtSolutions #4pillars #IworkforYOUnotCreditors

There are solutions. There is a way out. You do not have to be ruled and ruined by #debt. Call us for a FREE 1 hour info session and let us show you the light at the end of the debt tunnel. ... 236-464-5011 | [email protected] #debtSolutions #4pillars #IworkforYOUnotCreditors 236-464-5011 | [email protected]

We can relate. #leftovers #leftoversfordays #longweekend #backtowork

Happy ThanksGiving Weekend everyone! #GiveThanks #gratitude #familyfirst #thanksgiving #Turkeytime

8 Lies You've been Told About Your Debt LIE #6: Consumer Proposals Are a Bad Choice to Deal with Debt. A big misconception about debt is that Consumer Proposals are either a scam or simply not a smart choice from a long-term financial standpoint. But bear in mind that Consumer Proposals serve a specific purpose and are typically used when debt climbs to an unmanageable level. ... Why do consumer proposals get a bad rep? Because personal finance bloggers tend to not like them since personal finance is really about living debt free. But a consumer proposal isn't designed as a casual debt reduction technique. Consumer proposals help people who have high levels of unmanageable debt. So when frugal living and budgeting isn't cutting your debt, a consumer proposal is often the most sensible option to take. Consumer Proposals are a completely legal and acceptable way to deal with debt and they provide an alternative to Bankruptcy. Consumer Proposals are a less extreme measure and when structured correctly, they are a very good option for Canadians with large amounts of debt. It's always important to remember that dealing with debt is only one piece of the puzzle. A comprehensive debt restructuring plan will help you to effectively manage your money and reestablish your credit rating. #debtsolutions #workingforYOU #answers #hope #options #lightatendoftunnel #finances #financialhealth #financialfreedom #stressrelief #debtrelief #solutions #consumerproposal #debtfacts #Facts #moneytips #partofpuzzle #debtpuzzle #canadians

Wishing everyone a Happy Autumnal Equinox! #saeasons #equinox #fall #autumn #seasons #chrisgrew #debtSolutions

LIE #5: Non-Profit Credit Counselling Agencies Are Altruistic. Ever wonder why non-profits offering credit counselling' are so eager to give you advice? Ever wonder how they can afford to advertise on TV? Most non-profit credit counselling agencies are actually financed by credit cards and banks. Why would a bank finance a non-profit? ... The basic explanation is that credit counselling agencies typically offer "debt management" advice. In other words, they direct you towards debt relief options that are more beneficial to creditors. They tend to suggest debt management programs which you are paying back every penny you borrowed. Even though you are paying back 100% of your debt there is still a significant impact on your credit rating because you aren't paying back the debt on the original terms and conditions. So you can work with a company funded by the creditors and pay back 100% of the debt while impacting your credit rating, or you can choose an alternative debt restructuring company where you only pay back a fraction of your debt but have the credit rating impacted as well. The credit rating impacts are the same; the amount of money that leaves your pocket is vastly different. It seems harsh but it is reality. In short, these non-profits will often recommend a course of action that benefits the banks and lenders, not the consumers. While they can offer some good advice (such as budgeting tips and managing the stress of debt), they aren't impartial sources of information. Often, you'll have to pay for some of their services as well. At 4 Pillars, we work for YOU not the creditors. #debtSolutions #financialadvice #debt #yyj #solutions #lightatendoftunnel #creditors #debtrelief #alternative #creditrating #families #answers #solutions #finances #financialhealth

This is why we do what we do, folks. " I found the link to Chris at 4Pillars through Facebook and thought what the heck - let's see what this is all about. Being a single parent, having spent the last 15+ years working multiple jobs to get by....something had to give. I was working so hard, never seeing my kids, never having time off and never getting ahead. So glad I made the call. Chris was excellent at looking at my situation and letting me know my options. He gave great ...advice and guidance and here I am today - down to one job, managing my bills on my salary, with way less stress and way more time for the things that are important in life - my kids. My only regret is that I didn't talk to Chris earlier. This was a life changing event for me and I will always be so thankful for the change in my life." Review By: Colleen K We have such gratitude for our clients and there is nothing better than being able to help them get back on track. #gratitude #thereisHOPE #options #financialhealth #debtSOLUTIONS #IworkforYOU #lightatendoftunnel #yyj #financialadvice #consumerproposal #reviews #BBBreview

Today on #FirefightersNationalMemorialDay we HONOUR and REMEMBER firefighters who have been killed in the line of duty. Thank you to our many local Firefighters who risk their lives everyday to protect our homes, property and families. The Canadian Fallen Firefighters Foundation was created to both honour & remember firefighters who died in the line of duty in addition to providing support for their families.... The CFFF is a registered charity and operates by fundraising. https://www.cfff.ca/EN/index.html #firefighters #heroes #yyj #weremember

The long weekend is over guys. Welcome to a #newweek! #LabourDayLongWeekend #weekendisOver #welcomeback #coffee #grabacoffee

8 LIES YOU’VE BEEN TOLD ABOUT YOUR DEBT Lie #4: You MUST Protect Credit Rating At All Costs! We live in a society of credit. ... It's no surprise that one of the huge fears around bankruptcy and consumer proposals is that they impact your credit rating. The implication or Fear is that if you ruin your credit rating, you'll be forced to pay predatory rates (such as the next time you want to buy a car) and will be prevented from buying a home, tv, etc. Want to know the TRUTH? Credit is easier to repair than most people realize. Plus, if a hit to your credit rating saves you from having to pay $50,000 in DEBT which would lock you into at least 8 years of poverty, then the choice is fairly obvious. Your credit rating is important but pulling yourself OUT of debt and creating a LONG TERM path to financial stability is more important. 4 Pillars has THE MOST comprehensive and successful credit rebuilding system in the industry. We have exclusive proprietary credit rehabilitation products that no other company provides and like I always say: I work for YOU not the creditors. If you have questions or concerns regarding your financial situation please give us a call for a FREE 1 hour consultation. 236-464-5011 | [email protected] #debtsolutions #workingforYOU #answers #hope #options #lightatendoftunnel #finances #financialhealth #financialfreedom #stressrelief #debtrelief #solutions #creditrating

We love hearing from our clients and are happy & grateful to help them find the best #debtsolutions available. "I was referred to Chris by a very close friend who he helped with a credit proposal in the past. When I met him I had been experiencing a difficult time physically, emotionally and financially. As a single parent on disability I was struggling to manage my debts and stay afloat, and I felt like I was sinking further each day. Chris was very patient and calming, a...nd he listened wholeheartedly to my situation. He explained how I’m not alone and many others are experiencing the same thing. He explained to me that it’s possible to fix things and gain financial freedomand that I could one day have a good credit rating again. Now that I have done my Consumer Proposal I feel like a tremendous weight has been lifted from my shoulders. Chris has been there for me through this entire process, answering my endless questions and providing constant assurance. Chris truly cares about people and he’s highly professional. If you’re struggling financially and you’re having trouble seeing light at the end of a long financial tunnel, give Chris a call! He will change your life." - Sherri PG "Highly recommended. Thanks Chris. Goodbye worry, hello new lease on life. Like meeting with a friend." - Bob W. "I would recommend Chris to anyone. He has your best interest at heart and will change your life making it stress free!" -Nancy P. "Chris Grew is very easy to work with. He is respectful and helpful and we highly recommend him. He went the extra mile and was very thorough." - Bruce & Sheila E. You have options and we are here to help you find the best one available. Chris works for YOU not the creditors. Christopher Grew 4 Pillars Consulting Group Victoria, BC, V8Z 0B9 Tel: 250-880-1618 [email protected] - www.4pillars.ca www.chrisgrew.ca #debtsolutions #workingforYOU #answers #hope #options #lightatendoftunnel #finances #financialhealth #financialfreedom #stressrelief #debtrelief #solutions

8 LIES YOU’VE BEEN TOLD ABOUT YOUR DEBT Lie #3: Trustees Work for You When we think about filing bankruptcy or doing a consumer proposal, we often think that we will be in the hands of the court.... In some ways this is true. But more often than not, you will have to hire and pay a Trustee. And just because you are paying them does NOT mean they are working on your behalf. The role of the trustee is to ensure that everything is done within the parameters set by the Bankruptcy and Insolvency Act and that both you and your creditors follow all the rules. Sounds fair, right? But let's look at the definition of the trustee's role shall we? "The trustee is an officer of the court who acts on behalf of the creditors in a fiduciary capacity." In plain English, this means that your bankruptcy TRUSTEE IS NOT NEUTRAL.T In fact, they have a duty to get the best return on behalf of the creditor. At 4 Pillars we only work on behalf of YOU. Think about it for a moment. If, you had a legal issue that you had to fight in court you would hire a lawyer to represent you. If you were having health problems you would go to see a Doctor. Well, it's the same when dealing with your Debt! You should have someone who represents YOU and is looking out for your best interest. At 4 Pillars we help people restructure their Debt and often negotiate settlements where you pay as little as 15 cents for every dollar owed! Give us a call for a FREE 1 Hour Consultation. 236-464-5011 | [email protected] #debtsolutions #finances #workingforYOU #Hope #yyj #debthelp #thereisabetterway #lightatendoftunnel #letushelp

Nothing makes our day more than hearing from happy clients who 4Pillars has been able to help! We received these reviews a few days ago and are so grateful that we are able to have an actual, tangible and POSITIVE impact on people's lives. As always, we work for YOU, not the creditors. If you ar elooking for a better way, there IS hope and 4Plllars can absolutely help you.... Call us for a FREE 1 hour consultation 236-464-5011 | [email protected] #debtSOLUTIONS #lightatendoftunnel #weworkforYOU #debt #finances #answers #integrity #yyj

This is great news! Be sure to tune in to this podcast as it will be filled with incredibly important information on how you can #beatthedebtgame. One of the best things about being a Debt Solutions Specialist with 4Pillars Consulting, is that they continually strive to provide relevant, tangible information that enables us to properly support our clients.... #debtSOLUTIONS #yyj #ThereisHope #WeWorkforYOUnotcreditors #solutions #financialsolutions #finances #family #slowspending