Must your credit rating be protected at ALL costs? We live in a society of credit. Don’t agree, try renting a car, checking into a hotel or making an on-line purchase without a credit card. Banks almost force us to use credit because they know a large percent of people will not pay the account in … Continue reading How does a Consumer Proposal or Bankruptcy affect Your credit?
Lottery odds – 7/7 numbers – 1 in 28,633,528 Feeling overwhelmed! DEBT can also have that same overwhelming feeling! Countless reasons why Canadians experience overwhelming debt: Divorce Illness Unemployment Economic downturn – Business failure It has been my experience that 1 in 5 is living the life of what I called uncontrolled debt. Every second week … Continue reading Living with overwhelming debt
With the current record levels of consumer debt in Canada there is much talk and discussion about debt restructuring. But what is really meant by this term? Before talking about debt restructuring we need to understand what type of debt it is first. Getting out of debt is not easy. What type of debts do … Continue reading What is debt restructuring?
How Working in the Best Interests of the Debtor Produced a Debt Consolidation for the Ages In January 2014 I met with a gentleman who I immediately realized was extremely cheerful by nature. I don’t want to use his real name, so let’s call him Jerry. It’s a good thing Jerry was naturally cheerful as … Continue reading Debt Consolidation Case Study for a North York, ON Resident
Debt is a continuously growing problem for households in Canada today, putting the economy at risk. To do our part, our debt counselling company, 4Pillars, seeks to end debt through a different approach to help those still struggling with it. Our services are specifically aimed at addressing the debtor’s needs in over the creditor’s unlike some … Continue reading 4 PILLARS offers necessary debt consulting services
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Actual client testimonial. Name removed to protect privacy.
