One of the most important reasons to reach out to debt consultants early in the situation is to ensure you have the greatest number of possible options to get out of debt. The longer people in Victoria wait to seek help, the fewer the options. This is particularly true if the issues include foreclosure on…
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Credit cards are not inherently a bad thing. In fact, with the correct use, credit cards can be an effective way to save money on some types of purchases. However, when consumers in Victoria use their credit cards incorrectly, the results can be devastating from a financial and debt point of view. Ideally, credit cards…
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Most people grow up with ideas about money, credit, and finance from their parents. Many of the strategies used in the past to stay out of debt and to manage your individual or family finances are no longer feasible, practical, or realistic. To complicate matters even more, if the parents struggled with debt or budgeting,…
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When it comes to dealing with debt, reaching out for support and assistance from a 4 Pillars debt consultant is a very wise decision. Our team of debt consultants in and around Victoria is here to help people overcome debt, not to judge, blame, or criticize your decisions and your choices up to this point…
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One of the many advantages of working with a debt consultant in Victoria is the ability to have confidential, one-on-one discussions about your current spending and financial management habits. Often simple changes in the way you budget, use credit, and plan to handle debt can help you to avoid future problems and live a debt-free…
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While sudden and unexpected issues can cause financial hardship in any family, most debt is accumulated over time. Unfortunately, people often miss the warning signs of pending financial problems and continue to spend and live their life without thinking about making changes to reduce their debt. The team of debt consultants at 4 Pillars in…
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Debt can be a very difficult subject for friends and family to discuss. Often people struggling with debt are embarrassed, frustrated, and feel very isolated in a situation that can seem extremely overwhelming and impossible to fix. Approaching these conversations in a way that is respectful and helpful is the best way to talk to…
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Each of the 4 Pillars debt consultants working with clients and around the Victoria area is an experienced financial professional. They all have unique backgrounds and areas of expertise, allowing you to choose the ideal match for your financial needs. Our three 4 Pillars debt consultants working on Vancouver Island include Chris Grew, Sue Grubac,…
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Living with worry and stress about debt can seem to overwhelm your life and take over how you think about the future. Individuals with significant debt in Victoria often report feeling trapped in a situation where they can never hope to overcome the mounting balance on loans, credit card statements, and other types of debt.…
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One of the most difficult aspects of falling behind in paying creditors is the constant calls, emails, text messages, and letters demanding payment. Some creditors use a more measured response, first offering to work with individuals in Victoria to make partial payments, to change the payment due date, or even to work on catching up…
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