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4 Pillars
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Category: Alternatives To Bankruptcy

Alternatives to bankruptcy: a guide to help Canadians overwhelmed by debt

By Paul Murphy

“Well, I got a job and tried to put my money away. But I got debts that no honest man can pay.” — Bruce Springsteen It was June. I was attending a wedding of a friend and I met a man in his late 20’s, who had recently fallen into debt. It began with a … Continue reading Alternatives to bankruptcy: a guide to help Canadians overwhelmed by debt

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 … Continue reading Break glass in case of emergency

How is 4 Pillars different than licensed bankruptcy trustees?

By Paul Murphy

This article explains how 4 Pillars is different from licensed insolvency trustees (previously known as bankruptcy trustees) and other debt consultants.  A lot of people in our Debt Bootcamp have been emailing me and asking questions about how 4 Pillars started and how 4 Pillars is different than licensed insolvency trustees and debt consultants. So today … Continue reading How is 4 Pillars different than licensed bankruptcy trustees?

When Should Someone Declare Bankruptcy?

By Trevor Glasser

When Should Someone Declare Bankruptcy? I am going to begin this by simply answering the question above and then explain the reasoning behind the answer:  In my opinion someone should declare bankruptcy when they have a huge amount of debt $250,000+, low income and no assets of any significant value.  This would be pretty much … Continue reading When Should Someone Declare Bankruptcy?


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