Nanaimo

Debt Consolidation Nanaimo

Sue Grubac, Debt Consolidation Specialist Nanaimo BC

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.


A recent Vancouver Island individual I helped out of debt

Just when I thought I would drown forever in my black hole of financial doom, Sue from 4 Pillars empathetically sat down with me, heard my situation and quickly went to work on a plan. With complete professionalism and confidence, she removed all fears and embarrassments and guided me down the path to my financial rebuilding. This helped my self - esteem and gave me renewed hope. For the 1st time in years I felt like there's a light at the end of my tunnel, and I could once again attain my goals and dreams. I give Sue Grubac my highest recommendation. Her soft manner will immediately have you feeling comfortable. She will act 100% on your behalf to find the best solution for you with your creditors.

RA, Coombs


Your debt relief and management options

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.

Common debt relief options

  1. Consolidation Loan
  2. Formal Consumer Proposal to your creditors
  3. Informal proposal to your creditors
  4. Formal lump sum debt settlements
  5. Bankruptcy
  6. Real life Budgeting

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:

  • Making minimum payments, interest-only payments, or using one credit card to pay the minimum payment on another
  • Getting a consolidation loan that only consolidates some of the debt or charges exorbitant interest rates.
  • Procrastination, often disguised by the belief that you should be able to fix this on your own...it's okay to ask for help!
  • Fear of the unknown, I'll guide you one step at a time. It may be scary but I'll be there to answer your questions.
  • Fear of being judged. Although I want to hear your story, I won't judge you.

Getting out of debt is about building a strong financial future. It's not about mistakes made in the past.

Click for the BBB Business Review of this Credit & Debt Counseling in Nanaimo BC


My debt consolidation & debt management services for Nanaimo and Vancouver Island

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.

Analyze your debt situation

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.

Meet for a free consultation

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 lay out a plan to move forward.

In this consultation, you'll likely have lots of questions. For example, many couples worry about the affect 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.

Decide on path forward

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.

Negotiate with your creditors

I then structure a detailed plan to present to your creditors, offering to repay a small portion of the debt based on your financial situation (20% is a common settlement) to be paid back in low monthly payments with NO interest.

Help with budgeting and debt management

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.

Rebuild your credit

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.


About Sue Grubac, Debt Relief Specialist

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.


My 4 Pillars Nanaimo Office

I work by appointment and is therefore able to meet after hours and even on weekends.

My office is located at: #4 - 1610 Northfield Road, Nanaimo, BC V9S 3A8


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Here are a few of my business links:

Here is my LinkedIn Profile Page: LinkedIn Profile

BBB Listing: BBB Listing


Nanaimo families and individuals I've helped out of debt

I am very grateful that I am a client of Sue Grubac's and all she has done for me and my family thus far. Words are really hard to describe a person who has a big heart for lending a big hand to those in need of answers. That is definitely Sue Grubac.

JB, Nanaimo

It feels great not to have creditors on my a$$ daily!! Small steps to where I want to be in life, debt free and more!! Thank You for making all of this possible. I'll be forever grateful for all you've done.

JO, Parksville

We are finally feeling the relief of working with a budget. We feel like things are starting to turn around and we have a handle on our lives again. A big thanks to you. Thank you!

RJ, Nanaimo

After many years in business I realized I was slowly sucking up equity from my assets to pay bills and slowly the debt started to grow. I thought my business was recession proof but came to realize that it was too late to turn things around with the debt I had incurred. The bigger problem was that the debt was in my name and as I couldn't afford to pay myself wages it really started to snowball to the point where I was in trouble. I met Sue from 4 Pillars and she helped me in a big way. First, she needed a clear picture of all my debts and income, property, vehicles etc. Then she was able to help me develop a plan that would negotiate a better deal with the unsecured creditors. Sue was very thorough and understood where I was coming from and where I needed to be financially. She took control of the process and I just fed her the information she requested. In the end I saved tens of thousands of dollars and the phone calls and letters stopped. I was worried my name would be smeared and I would be an outcast, but it was all private and there was none of that. Sue was professional and excellent in all areas and I am so glad I met her. The best thing about the whole experience with Sue was that she truly cares about her clients and wants to help. I am now free of all unsecured debt and it feels fantastic. I pay cash for things now, I have money in the bank and all my commitments are met on time. It opened doors in my life I didn't know existed and I couldn't be happier! Thanks Sue!

CJ, Campbell River

Just when I thought I would drown forever in my black hole of financial doom, Sue from 4 Pillars empathetically sat down with me, heard my situation and quickly went to work on a plan. With complete professionalism and confidence, she removed all fears and embarrassments and guided me down the path to my financial rebuilding. This helped my self - esteem and gave me renewed hope. For the 1st time in years I felt like there's a light at the end of my tunnel, and I could once again attain my goals and dreams. I give Sue Grubac my highest recommendation. Her soft manner will immediately have you feeling comfortable. She will act 100% on your behalf to find the best solution for you with your creditors.

RA, Coombs

We found Sue Grubac to be very professional and efficient in our recent dealings with her. We would recommend her to anyone that is having financial problems in today's economy. We only wish that we had heard about her and 4 Pillars sooner, as a great weight has been lifted off our shoulders. We are starting to live again.

JK, Qualicum Beach

Sue Grubac
  • Sue Grubac

  • #4 - 1610 Northfield Road
    Nanaimo, BC V9S 3A8
  • (250) 729-6500
  • sueg@4pillars.ca

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