There are many situations in which financial debt can build up. Some people are able to work through it and pay it off. Others need some help. Our team at 4 Pillars in Victoria can offer the help you need. Should you turn to them for help? You Are Receiving Collection Calls There may be…
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Carrying too much credit card debt can make it very hard for you to manage your finances. It is very common for consumers to find themselves unable to make payments or to struggle to save money when their debt becomes out of control. At 4 Pillars, we help people who need to get out of…
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Dealing with banks, credit companies, and financial institutions can be a challenge, particularly in understanding the different terms used in the industry. Consumers in Victoria who have debt will often be asked if the debt is secured or unsecured. Working with 4 Pillars debt consultants to understand the different types of debt is extremely helpful…
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Although a lot of consumers do not know their credit score, this is a vital piece of information to track. Banks, financial institutes, and even car dealerships in Victoria use the consumer’s credit score to set interest rates, determine the risk of lending, and in offering special rates or financial advantages for those with high…
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It is very normal and natural for people in Victoria to attempt to correct problems on their own. This is especially true when the issue is financial, and at first glance, it seems easy to be able to juggle payments and make up for missed installments on loans or payments on credit cards. While these…
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The debt consultants at 4 Pillars work with individuals and couples of all ages and in all income brackets. One of the factors that tend to be an issue in the development of debt is the use of credit cards. Of course, as 4 Pillars debt consultants can tell you, credit cards are not the…
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One of the issues that often causes people to avoid seeking help from our team at 4 Pillars is the concern that they are the only ones facing debt problems. In fact, as a country, Canada has seen an upward trend in overall household debt throughout the years, with issues in 2020 from COVID-19 certain…
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A debt consolidation loan is a possible option for individuals in Victoria to pay off debt. These loans are typically only used to pay off unsecured debt with high interest rates. Mortgages and other types of secured loans are not typically paid off using a consolidation loan as the interest is already low. Is a…
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There are many different options for individuals in Victoria to consider when structuring a debt repayment plan. Each individual has specific situations and considerations, which is why working with an experienced, local debt consultant in Victoria provides the personalized support required. Most consumers in the area are aware of the option to use credit card…
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It is not uncommon for couples or partners in Victoria to have very different levels of comfort with debt. Some people become anxious and stressed with small balances on credit cards and personal loans, while other people are more comfortable with higher levels of debt. Debt and financial issues such as budgeting can also be…
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