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Local Debt Specialist


Working for you, not your creditors. 

Free Assessment

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Local Debt Specialist


Working for you, not your creditors. 

Free Assessment

Contact us today for a free, no obligation consultation with Charlie Peet, the Okanagan’s Debt Specialist.

We’ll help reduce your debt by up to 80%

Get Started

Kelowna: (250)-860-1653   Toll Free: 1-(866)-888-8681

Okanagan's Debt Specialist


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Okanagan's Debt Specialist


 
Charlie Peet
Click for the BBB Business Review of this Credit - Debt Consolidation Services in Kelowna BC

Charlie Peet

DBA 4 Pillars Kelowna

Charlie Peet is Debt Free in BC's preferred partner in the Okanagan with over 10 years experience and 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.

MORE ABOUT CHARLIE
 

What We Do


Budgeting

Our budgeting process is a simplified approach, used to determine what your affordable monthly payment to your creditors will be.

Debt Restructuring

Negotiating with your creditors to reduce your unsecured debt, typically with 0% interest and in affordable monthly payments.

Credit Rebuilding

Comprehensive approach over a 12 to 36 month period to re-establish a positive credit rating. 

Our Process


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Our Process


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. There are many solutions available to consumers who want to resolve their debt situation, and it is a common practice to research on the internet. The information gathered from your research can be conflicting, creating confusion. It is important to be mindful that the rules and regulations regarding debt, and debt collections practices, vary depending on what province or country you reside in. 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.

 

1

Contact Our Office

Reaching out and asking for help is often the most difficult step in this process. In a brief telephone call our office will gather a few pieces of information before booking a free face to face consultation.   MORE INFO

2

Free No-Obligation Face to Face Consultation

In this meeting we will provide you with information regarding all of the options that are available to you. You can then make an educated decision for you, your family, or your business.   MORE INFO

3

Moving Forward with Charlie Peet of 4 Pillars Consulting

Charlie and his team will begin creditor negotiations. They will also help you implement a personalized budget using our effective "5 minute a day budgeting strategy."   MORE INFO

4

Achieving Financial Freedom

After successfully reducing your debt and negotiating an affordable repayment plan, Charlie continues to work with you, implementing strategies so that you can achieve your financial goals!   MORE INFO

testimonial


Reduce your debt by up to 70% with the help of the Okanagan's Debt Specialist Charlie Peet. Get help from a local business that works for you and not your creditors. Repay a fraction of your debt with affordable, no interest monthly payments. Avoid bankruptcy.

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testimonial


Reduce your debt by up to 70% with the help of the Okanagan's Debt Specialist Charlie Peet. Get help from a local business that works for you and not your creditors. Repay a fraction of your debt with affordable, no interest monthly payments. Avoid bankruptcy.

Charlie made dealing with stressful financial situations as comfortable as possible. He made sure to make all my options clear, and provided an atmosphere that allowed for a positive outcome and a bright financial future
— James R.

Contact Our Office


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Contact Our Office


Free Assessment

Name *
Name
Phone *
Phone
Debt Type *

or

Call Us Today

Local: 250-860-1653

Toll Free: 1-866-888-8681

 

 

testimonial 2


Reduce your debt by up to 70% with the help of the Okanagan's Debt Specialist Charlie Peet. Get help from a local business that works for you and not your creditors. Repay a fraction of your debt with affordable, no interest monthly payments. Avoid bankruptcy.

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testimonial 2


Reduce your debt by up to 70% with the help of the Okanagan's Debt Specialist Charlie Peet. Get help from a local business that works for you and not your creditors. Repay a fraction of your debt with affordable, no interest monthly payments. Avoid bankruptcy.

When I met with Mr. Peet first I was initially skeptical about what he said could be achieved. He explained all the options I had and explained all costs and risks. During this consultation I became more comfortable as Mr. Peet was empathetic and even had a smile on my face. Over the several weeks we worked together he had a clear and concise strategy for my whole picture. The result was amazing! My debt load was about $66,000 and now it is reduced to $21,000 and I have up to 5 years to pay it back interest free.
Since my deal has been finalized I have continued to use his after care services to get a manageable budget in place and understanding the credit system with his educational and informative tools. This in turn will lead to a successful credit recovery. Thanks Charlie for a return to reality and help to live without debt!
— Respectively, William W.
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Face to Face Meeting


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Face to Face Meeting


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. The information provided in this free, no obligation meeting enables you to make an informed decision for you, your family, or your business.

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Moving Forward


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Moving Forward


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.

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Achieving Financial Freedom


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Achieving Financial Freedom


After successfully reducing your debt and negotiating an affordable repayment plan, it is time to begin down the path towards financial freedom. In planning for your future we work with you to 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 is working for you every step of the way, representing your best interests as he restructures your debt. Charlie continues to work with you, implementing strategies so you can achieve your financial goals! As a long standing member of the BBB with an A+ rating, excellence in customer service while providing affordable solutions for individuals, families and businesses experiencing financial crises, is of the highest priority.