Category: 4 Pillars Debt Consultants

Great Tips for Budgeting Like an Expert

Budgeting may not be your idea of fun, but that doesn’t mean that it’s something you should avoid. Budgeting can be frustrating but spending more than you have available is even worse. When you go to a financial expert at 4 Pillars in Victoria, making a budget is likely to be suggested. We have some…
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Ways to Cut Debt You May Not Be Aware Of

If you have a lot of debt, it can easily become overwhelming. For many Canadians, debt has increased a large amount over the last few decades due to expenses rising and wages remaining about the same. The problem is that when you are in debt, improving your credit can be a huge issue. Having the…
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4 Pillars Explains Reasons Your Credit Card Company May Close Your Account

After you receive a credit card, you probably assume you’ll have it as long as you want. Whether you use it regularly or stick it away for an emergency, a creditor is capable of closing your account at any time and for any reason. However, there are a few reasons that are more common than…
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What Anyone With a Credit Card Should Know

Canadians end up in trouble with credit card debt every day. If you are in that situation yourself, you are not alone. Things like losing your job, getting ill, or having another emergency come up can lead to the need to use your credit card just to get through the month. This can escalate and…
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How Debt Consultants in Victoria Can Help You

While one option available to those with debt is bankruptcy, it is not always the right choice. It can be an extreme measure and jumping into it without knowing more about your alternatives is not recommended. In many cases, working with debt consultants in Victoria is a better option. Bankruptcy tends to be more damaging…
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4 Pillars in Victoria Shares Warning Signs of Financial Trouble

In a perfect world, nobody would have to stress about getting bills paid on time and loans wouldn’t be needed since you have plenty of money in your bank account. For some people, that’s reality, but it’s not common. Most people have various financial needs from loans to bills and retirement while also trying to…
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4 Pillars Shares the Top Alternatives to Bankruptcy in Canada

While personal bankruptcy is an option for those who are having financial trouble, it isn’t the only option available. 4 Pillars has helped families across the country restructure their debt and get back on track. There are a few options besides bankruptcy available for Canadian citizens from debt consolidation loans to better personal budgeting. We’ll…
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Understanding the Difference Between Good Debt and Bad Debt: A 4 Pillars Debt Consultant in Victoria Chimes In

Not everyone realizes it, but there are two forms of debt: good debt and bad debt. Even if you’re aware the two forms exist, you may be wondering what the difference is. The answer is less straightforward than you might think, but a 4 Pillars debt consultant in Victoria can help you determine what the…
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Why Talk to a 4 Pillars Consultant in Victoria?

It is not easy making a living and raising a family. Even after the kids have grown, something always seems to happen which costs you money. For many Canadians, getting out of debt seems like an insurmountable task. It is possible to become mired in unsecured debt and eventually you cannot get yourself out. Your…
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Bankruptcy, Consumer Proposal and Other Financial Strategies

Today many Canadians face financial problems. You might have trouble paying bills, and things can get out of hand quickly if you do not take some kind of action. You could have more financial options than you think and your debt consultants at 4 Pillars Consulting Group in Victoria can show you several options, including…
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Disclaimer: All 4 Pillars Debt Relief Specialists are independent consultants that represent and advocate for the debtor during their insolvency and throughout their financial rehabilitation. 4 Pillars Debt Relief Specialists are not Licensed Insolvency Trustees, Lawyers, or Non-profit Credit Counsellors.