Barbara Sergius
  • Barbara Sergius

  • #101 - 33119 South Fraser Way
    Abbotsford, BC
    V2S 2B1
  • 604-866-7895

Debt Consolidation Abbotsford

Barbara Sergius, Abbotsford Debt Relief & Consolidation Specialist

If you are searching for information on debt consolidation and debt relief, I can help. I'll walk you through the different options consumers have and help you decide which path to take.

I'm Barbara Sergius, your 4 Pillars debt relief and consolidation specialist serving the Abbotsford region.

I've helped many Abbotsford families get out of debt and rebuild their financial lives.

I know this is a stressful time. I want to go through the basic process of eliminating debt, as well as introduce you to the different options for restructuring and settling your debt with creditors.

I have two goals. The first is to simply make you aware of your various debt relief and settlement options. There is no one single path out of debt.

The second is to give you hope. I've seen many families and businesses standing where you are right now. It does get better.

Your debt relief options

Most people do not take action to solve their debt and financial challenges because of fear of change, lack of information about their options, and embarrassment of getting themselves into this situation.

First, take a breath and realize that the creditors are happy when you are only making minimum payments - it's more profit for them.

You do have options for getting out of debt. These typically include:

  1. Debt consolidation
  2. Consumer proposals
  3. Informal proposals or debt settlements
  4. Debt management and budgeting
  5. Credit rebuilding
  6. And bankruptcy (as a final option)

Fun Facts and Debt

Hey, did you know that the average person spends 6 months of their life waiting for red lights to turn green! When you file for bankruptcy your legally required bankruptcy trustee is not working for your and has a fiduciary duty to the creditors. Actually that fact isn't really funny at all.

To read more of this article I posted for my Abbotsford, BC clients to read....Learn More

Dancing with Debt: Watch your Toes!

Everybody dances, even if it,s only in your head, or in front of the mirror when no one is around. You got your moves down....

To read more of this article I posted for my Abbotsford, BC clients to read....Learn More

Debt War Veterans

There's a war raging in Canada, it's a war against debt. And right now DEBT seems to be winning. The casualties are high...

To read more of this article I posted for my Abbotsford, BC clients to read....Learn More

Debt Jokes: When Punchlines Hurt

There's truth in humor, that's what makes it relatable. The more tragic the truth the darker the humor.

To read more of this article I posted for my Abbotsford, BC clients to read....Learn More

How I help you get out of debt

The first place to begin is to simply explain the pros and cons of each debt solution. Different circumstances mean different outcomes. For example, sometimes bankruptcy is your best option; other times, an informal proposal is the way to go.

For my own clients, I begin by explaining each option and analyzing your situation.

My aim is to get you out of debt as soon as possible while keeping your payments down to an absolute minimum.

About my debt expertise

I've spent much of the past 20 years in the financial industry. I've worked as an administrator, Executive Secretary and accounting supervisor in the medical and engineering industries. While working in medical industry I developed programs to organize companies administration staff and accounting staff. My time in the engineering industry led me to become supervisor for two offices overseeing the administration and accounting staff.

I have a great understanding of financial challenges and how to rebuild your credit in a short amount of time. I work on budgeting and credit rebuilding with all my clients to ensure you have the best opportunity to become financially secure in your lives.

I currently own two 4 Pillar offices in the lower mainland, Langley and Abbotsford. I'm actively involved in many networking organizations including BNI, TRBN, and Business Women's Association.

About 4 Pillars Abbotsford

The 4 Pillars advantage gives our clients the peace of mind that comes from choosing one of the oldest and largest debt restructuring companies in Canada. Our debt restructuring, credit rebuilding and budgeting services, offered through our Clients For Life™ program, allow us to assist our clients remove the financial barriers they face, and move forward with their financial goals, be that saving for retirement, buying a house or putting their kids through school. No other Canadian company offers such an integrated system for creating financial stability.

Outlaws and Bandits: The Ballad of the Ol' Debt Gang

If old Hollywood westerns are to be believed, the bad guys wore black hats and they all had twirly mustaches. The good guys rode white horses and said 'howdy' and 'mam' a lot. It was a simpler time...

To read more of this article I posted for my Abbotsford, BC clients to read....Learn More

Fantasy Games vs Debt Reality

We all like to play pretend, make believe we're other people doing other things be it in the sports arena or in other fantastic realms....

To read more of this article I posted for my Abbotsford, BC clients to read....Learn More

My 4 Pillars Abbotsford Office

Our Abbotsford Office is located at #211 - 33119 South Fraser Way, Abbotsford, BC V2S 2B1

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Here are a few of my business links:

Here is my LinkedIn Profile Page: LinkedIn Profile

Facebook Listing: Facebook Listing

Yellow Pages Listing: Yellow Pages Ad

4 Pillar Reviews: Abbotsford Clients We've Helped

Just want to thank you for your help with our financial struggles. Your kind and understanding and easy to listen to and you gave to us the best option for our financial relief. We were pleased at how you handeled everything very professionaly and quickly, and have made us very happy customers. Thank You.

Sean - computer programmer Chilliwack

I am grateful to the staff of the Langley office of Four Pillars. My day started with anxiety , frustration and fear of the unknown. I did not believe I could be helped as I did not owe thousands upon thousands of dollars. I expected to be told sorry Mr Hoy you just do not owe enough for us to take your case. I arrived at the office not knowing what to expect , was greeted warmly,. Waited , Met Barbara , went into her office and within a 15 minute period was shown an a financial plan that I could comfortably manage. Yes it was that easy, I told the truth about my circumstances held nothing back. I was waiting for the small print, or the catch, there was none!!! Just people helping other people get their lives back on track. How good do I feel , as good as the guy in their website standing in the field with his hands in the air!!! Will recommend Four Pillars to others I know who need help and do not know where to turn. Thanks Coach Barbara , Linda and Mum ( at reception).

Kindest regards James, Abbotsford

I am more than pleased to recommend the services Barabar Sergius at 'The 4 Pillars'.. she made a distressing situation bareable. She also made me feel like we were not alone in our situation. Always approachable, always returned an email, or phone call promptly, when I was concerned or had questions. She was very professional, and compassionate.

Debra - Business owner Abbotsford

My financial situation was out of control. Due to some not so good choices and health issues I found myself drowning. I couldn't provide for my children. After many years of trying to pay down I realized that I needed help. I met Barbara Sergius of 4 Pillars for an overview of what may be possible. At first I felt very irresponsible for getting into the situation I found myself in, and very anxious as I did not think anything was possible. I had tried dealing with the creditors myself and got nowhere.

Barbara understood how I felt, and due to her professionalism, business acumen and personal touch, I soon found myself much calmer and somewhat hopeful. I entered into an agreement with Barbara, 4 Pillars and the Trustee. Everything Barbara had suggested and told me has come to fruition. I have since had a consultation with Barbara's financial consultation services and now understand new ways of budgeting.

Barbara has helped beyond my expectations. I have learned from Barbara. I am enjoying a life with good choices and the freedom and ability to do right for my children. I am thankful and grateful for Barbara, her knowledge and professionalism.

Kent - Langley

Fantasy Games vs Debt Reality

Here's the thing about cliches, there's one to fit almost every occasion...Here's a cliche that works well with debt - 'those who ignore history are doomed to repeat it.'

To read more of this article I posted for my Abbotsford, BC clients to read....Learn More

Barbara Sergius
  • Barbara Sergius

  • #101 - 33119 South Fraser Way
    Abbotsford, BC
    V2S 2B1
  • 604-866-7895

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