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4 Pillars Articles

Debt Help: Not Everyone is an Expert

By Elisa Fremeth

Debt Help: Not Everyone is an Expert                         “Beware of False Knowledge; it is more dangerous than ignorance.” George Bernard Shaw The road to hell is paved with good intentions When you live with a lot of debt, sometimes you ask for help from friends and family. A small loan to cover expenses, help […]

Break glass in case of emergency

By Paul Murphy

Your Survival plan – When your payments exceed your income. Let’s not beat around the bush, these are scary and stressful times. Remaining physically healthy is the priority — and thankfully, most of us seem to be achieving that.  However, very few of us can say our current or future financial situation is a healthy […]

5 Tips for Small Business Owners During COVID-19

By Reg Rocha

For small business owners the fear is overwhelming.  The challenges faced today are unlike any other challenges small business owners have faced before.  In the past, when we’ve faced financial challenges we have been able to look back on a decision or a string of decisions and events that caused the issues and recognize what […]

Why we should be concerned about declining bankruptcy filings.

By Reg Rocha

Early indications of 2020 numbers (that is, before the COVID-19 crisis hit) mentioned that bankruptcy and insolvency numbers would be at an all-time high. However, since March and over the next couple of months we are likely going to see a large decline in projections. Normally a decline in bankruptcy numbers is a positive and […]