My name is Sue Grubac and I'm a debt consolidation specialist based in Nanaimo BC.
I've helped hundreds of Nanaimo and Vancouver Island residents with debt management, consumer proposals, debt settlement, and credit repair.
4 Pillars Consulting Group Vancouver Island feature discussing why they love to assist consumers struggling with debt.
This page will give you some information about the most common paths out of debt. If you have a specific question, we can meet face to face either in my office in Nanaimo or at a comfortable location in your town (I travel north to Campbell River and west to Tofino).
You can also email me your questions. My contact info is on the right.
I'll help you steer clear from some of the pitfalls of staying in debt. From my work in the Nanaimo region, I've found that most people stay in debt because of the following reasons:
Getting out of debt is about building a strong financial future. It's not about mistakes made in the past.
Spendaholics carry a disease called debt and it's a killer. Side effects are guilt, shame, stress, denial, loss of sleep and so much STUFF there's no room for people. Early diagnosis is key but prevention is better. Take heart, with the right program this disease is curable. This spendaholic went from earning a six figure annual income for over a decade to the poverty line carrying almost $100,000 of debt. Read the story of the comeback, follow the steps, implement the program and take heed. In today's economy - you could be next.
Read more about the book here on Amazon: Spendaholics Anonymous: Debt shouldn't be a Life sentence
Here's how I help you get out of debt. While every debt situation is different, this is the basic process you can expect to occur.
Don't forget to read stories at the end of this page from Nanaimo and Vancouver Island families I've helped. They will show you that your financial difficulty is temporary and it does get better.
First, we can have a short call or meeting in Nanaimo where I can give you more information about the common debt relief options. In this meeting or call, I will hear your story and analyze which option is right for you.
After the first analysis, we meet for a free consultation. This helps me to better understand your financial situation and can explain your options to you and layout a plan to move forward.
In this consultation, you'll likely have lots of questions. For example, many couples worry about the effect of solutions like consumer proposals on their credit, whether they will be able to keep their mortgage and the long - term impact of debt settlement on your credit rating.
After our consultation, I'll help you choose a path forward. You'll have lots of information, guidance, and will understand the basic debt settlement and consolidation options out there.
I'll be here for you during this important step and give you my professional assessment of which option to go with.
A detailed plan is created to repay a small portion of the debt based on your financial situation with lower monthly payments and NO interest.
I then help you build a personalized budget and help you keep on track. As your creditors won't be calling and you'll have me for support, you'll be able to breathe easier, sleep better and feel confident about your direction knowing that you can manage your money and save for the future.
I prepare a step - by - step plan to rebuild your credit. This is a very exciting time as the worst is behind us and you are now rebuilding your savings and credit and reclaiming your financial life.
This is the last and final step.
My life has been an exciting journey with many interesting highlights along the way.
I was born and raised in Victoria and moved to Hope to work as an Engineering Assistant on the Coquihalla Highway.
After the completion of the highway, I headed across Canada to complete my engineering degree at the University of Waterloo. I worked for several years as a Civil Engineer in the Canadian Arctic where I met my husband.
We married and returned to Vancouver Island to live in Nanaimo and raise a family. While bringing up the family, I owned and operated several businesses: a U - Brew, a farm, a heli-maintenance business, a real estate business, and a Professional Organizing business.
Through my organizing business, it became apparent that my clients suffered not only from the physical chaos associated with being disorganized, but also from the stress of disorganized finances, and a lack of financial literacy. Unfortunately, organizing the physical chaos was only addressing a portion of the problem.
Being a problem solver at heart I wanted to find financial solutions I could offer my clients. That's when I discovered 4 Pillars. At 4 Pillars, my experiences allow me to help individuals, families, and business owners develop creative solutions to their financial problems, and relieve their financial stress so they can sleep at night.
I believe very strongly that children are our future and that the schools are not teaching them financial literacy. I am an active volunteer in the Junior Achievement program http://british-columbia.jacan.org, facilitating Financial Literacy in the schools in Nanaimo.
I work by appointment and is therefore able to meet after hours and even on weekends.
My office is located at: 501 - 65 Front Street, Nanaimo, BC V9R 5H9
Here are a few of my business links:
Here is my LinkedIn Profile Page: LinkedIn Profile
BBB Listing: BBB Listing
Here is my Facebook Profile Page: Facebook Profile
"The stress and worries are over. We are living again."
Actual client testimonial. Name removed to protect privacy.