It is not uncommon for people to procrastinate when dealing with financial issues. However, the longer individuals wait before talking to a 4 Pillars debt consultant, the fewer options available to address the debt issue.

Talking to a 4 Pillars debt consultant when it is clear the debt issue is not just a temporary setback is crucial. Preparing for the initial consultant is simple, and with the information needed, the call provides clients with the information required to make an informed decision based on the options for getting out of debt.

What to Know

The role of the debt consultant in the initial consultation is to ask questions to obtain a picture of the financial situation. This includes information on your income, assets, and your debts. It is not necessary to have all the documentation immediately available during the initial call, but it is necessary for the future.

It is helpful to have all of this information together for the initial consultation. For most people or couples, gathering information on debts and income is relatively easy. Double-check to ensure all debts are accounted for in the calculation. This includes both secured and unsecured types of debts such as mortgages, student loans, personal loans, vehicle payments, insurance, and credit card account balances.

When to Call

With the free initial consultant available through 4 Pillars, anyone experiencing debt management issues can make the call. Starting this process before demand notes, foreclosures, or repossessions are a concern provides greater opportunities for managing the debt repayment process.