With trouble in the economy, it’s no surprise that many Canadians are experiencing debt. In addition, many of these individuals are struggling to understand how they can begin to restructure their debt and pull up their credit score. Two common options include a consumer proposal and personal bankruptcy. There are other options and 4 Pillars…
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There are a handful of different ways in which a Canadian is able to consolidate their debt. Each has its own pros and cons and what is right for you may not be the best solution for someone else. One of the most popular options for consolidation is by getting a debt consolidation loan. Speaking…
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If you have had credit problems in the past, but are working to resolve them, you may be questioning the best options for fixing common problems on your credit report. Everyone has a different situation and personalized help from a company like 4 Pillars is the best option. However, there are a few things you…
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If you have been considering bankruptcy in Canada, you should be aware of what a consumer proposal is. It is considered the top alternative to bankruptcy and has its own set of advantages and benefits. The first thing to know about consumer proposals is that they are the only debt settlement program that is approved…
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For those who are considering bankruptcy as a means of cleaning up their debt and credit, it can sometimes be difficult to separate the myths from the facts. This might mean that what you think of when you hear the word bankruptcy is far from what the reality is. With so many people holding misconceptions…
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Knowing that you are in debt is a horrible feeling. If you start to fall behind on your payments, sometimes it feels like there is no way to get yourself back on top of your finances. When you speak with someone at 4 Pillars, you get expert advice from a trained consultant who understands how…
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Are you anxious about attempting to secure a loan because you have a few blips on your credit history? Maybe you have poor credit, but you’re doing everything you can to turn things around. Even if you have fantastic spending and saving strategies you’re following, it can be hard to restructure your finances. One of…
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Today, Canadian citizens are struggling with debt more than ever before. This can lead to feelings of hopelessness, even depression. It can be difficult to keep fighting the good fight, day after day if you are only handing over your hard-earned money to credit card companies and other creditors. The good news is that debt…
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From Reuters to CNBC to The Globe and Mail, the reports all agree – Canadian citizens are in dire straits, financially speaking. In fact, with $2 trillion in consumer debt, we are the most indebted nation on the face of the planet. While that’s great news for banks, credit card companies, and other lenders, it’s…
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Debt – it’s a reality for virtually every Canadian today. It can be a crushing burden to bear; making it difficult to even answer your phone for fear that it is just another creditor calling to harass you. Help is available and working with a 4 Pillars consultant in Victoria ensures you can move your…
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