. . . . . .
4 Pillars

Join our Debt Boot Camp

Get 10 short email lessons on debt consolidation, consumer proposals, and bankruptcy 101. It's free and written for Canadians. Not your usual advice.


4 Pillars Articles

hiker on rocks

Class Action Lawsuit

By Paul Murphy

Class Action Lawsuit  By PAUL MURPHY. Paul Murphy is a 20-year financial veteran and Managing Partner at 4 Pillars. What Is A Class Action Lawsuit? A class action lawsuit is a specific type of litigation that involves many people filing a legal action against a single defendant.  Generally, class action lawsuits are used when the amount […]

How to Live a Debt-Free Retirement

By Angie Collins

How to Live a Debt-Free Retirement Retirement is the perfect time to spend your hard-earned savings. But it will be difficult to do so if you start this new chapter of your life with debt. Unfortunately, retiring with debt is actually quite common, with 4 out of 10 Canadians doing so. Though retirees carry less […]

made it to the top of a mountain

Amortization

By Paul Murphy

Amortization  By PAUL MURPHY. Paul Murphy is a 20-year financial veteran and Managing Partner at 4 Pillars. What Is Amortization? Amortization is the length of time where you’ve agreed to have the loan paid in full. In general, the longer the amortization period, the lower your monthly payments. While most Canadians opt for long amortization […]

The FCAC – a finger in the dam?

By Reg Rocha

As I wrote previously, the Financial Consumer Agency of Canada (FCAC) was established in 2001 by Financial Consumer Agency of Canada Act to: “ensure that financial institutions, external complaints bodies and payment card network operators are supervised by an agency of the Government of Canada so as to contribute to the protection of consumers of […]

What is a Consumer Proposal

What is a Consumer Proposal?

By Jennifer Virani

We hear this question all the time; what is a consumer proposal, and how will it affect me?  A consumer proposal is a formal arrangement filed by a licensed insolvency trustee (LIT) under the Bankruptcy and Insolvency Act (BIA).  It is a viable alternative to bankruptcy if your debts do not exceed $250,000 (not including […]


Book your free consultation.

Your local office will be in touch with you promptly.

"The stress and worries are over. We are living again."
Actual client testimonial. Name removed to protect privacy.
Go To Top Button