There are many advantages of living in Victoria, and it is a popular city for both young people starting out and older people looking for a place to retire. As with any city, it is also a place where it is easy to overextend financially, resulting in issues with mounting debt and the inability to…
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Debt can come in many forms and from many different types of financial issues and setbacks. Some things, like the loss of a job or a medical emergency, can be financially devastating and are single issues that can impact even very well to do families in the Victoria area. In many cases, debt is not…
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It is not uncommon for people struggling with debt to feel as if their financial future is out of their control. This feeling of helplessness and sometimes even hopelessness is devastating, and in many situations, it is also unnecessary, particularly if the individual or couple has income and assets. One of the easiest ways to…
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Individuals in Victoria that are dreading going to the mailbox, answering a phone, or checking their email are often people who are stressed from continual harassment by creditors. Unfortunately, the first and natural tendency of many people facing debt is to try to ignore the issue and to hope that a change in their financial…
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There is nothing worse than dealing with the stress and anxiety of dealing with debt. It is often called a mountain or an ocean, and for those in the Victoria area struggling with debt, these metaphors are very accurate. Our professional debt consultants at 4 Pillars have decades of expertise and experience in working with…
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One of the most frequent comments our 4 Pillars debt consultants hear from clients is about the stigma or sense of concern about filing for bankruptcy. In many cases, people come to 4 Pillars assuming that bankruptcy is their only option only to find out that there may be several possible solutions to managing their…
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One of the possibilities that Canadians have to pay off debt is to use the option to file a Consumer Proposal. This is a specialized option that includes a filing that is made through a Licensed Insolvency Trustee. The debt consultants at 4 Pillars can provide insight and information on the Consumer Proposal process to…
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There is a lot of pressure on people in the Victoria area that are struggling with debt. This includes pressure from themselves, as many people believe they did something wrong or failed to do something right that lead to the financial challenges they are facing. There is also uncertainty about the future, and the possibility…
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One of the most important aspects of working with a 4 Pillars debt consultant in Victoria is the personalized and tailored recommendations provided by our professionals. Your first meeting allows our debt consultants to review your unique financial situation, including your income, assets, and debts, and then offer options to move forward in repaying the…
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One of the challenges for many people, particularly younger people in the Victoria area, is to understand how a credit score has an impact on the future and opportunities and options for years to come. Our debt consultants work closely with our clients to help rebuild their credit scores during and after their debt repayment…
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