Debt Consolidation. It’s a term which tends to cause a lot of concern and confusion. We are commonly asked: “is debt consolidation a scam?”, “how does debt consolidation affect your credit?”, “should I do it?”. The truth is, most Canadians don’t really understand debt consolidation, or how it can make paying off debt easier. In … Continue reading The Simple and Essential Guide to Debt Consolidation in Barrie
What Do You Mean By Debt Consolidation? (2025 Update) About once a week I’ll answer my phone and hear the following… “Hi, yes, I’d like to chat with you about consolidating my debts…do you do that?” At this point I know I’m going to have to provide some clarity. I usually suspect the person I’m … Continue reading What Do You Mean By Debt Consolidation?
A question we often get asked when starting the consumer proposal process is what happens after filing a proposal. There’s a lot of things that will and can happen during the consumer proposal process, which is why we’ve decided to cover it all here today. In this article, we’ll take you through each step of … Continue reading Canada’s Consumer Proposal Process: Start to Finish
20-year financial veteran Paul Murphy breaks down a common question from our clients: should you use things like consumer proposals bankruptcy or debt consolidation or preserve your credit score? I recently sat down with David Moffatt from 4 Pillars’ Halifax office and Ryan Brown from 4 Pillars’ Muskoka & Parry Sound offices on our 4 Pillars’ podcast Beating the Debt Game. … Continue reading Should I use a consumer proposal or preserve my credit rating?
Debt Denial: It’s Not Just a River in Egypt There’s an old joke about denial; it’s not just a river in Egypt. When you’re living in a world of debt, denial is an ocean in your back yard. Nope! Not Happening! Not Me! Most people live in denial. It helps us avoid the unpleasant … Continue reading Debt Denial: It’s Not Just a River in Egypt
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