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4 Pillars
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How does 4 Pillars Halifax Set Me Up for Life?

By David Moffatt

How does 4 Pillars Halifax Set Me Up for Life?

(An alternative approach to Trustees and Credit Counsellors.)

That’s the goal, isn’t it?  Being set up for life.  But what does it mean to you?  For some, being set up for life means financial security.  For others it means the freedom to pursue your dreams.  However you define being set up for life, it’s not going to happen while you are struggling with debt.

In our last installment we explored the pros and cons of having a Licensed Insolvency Trustee deal with your debt as opposed to hiring a 4 Pillars Halifax Debt Specialist.  In short the trustee has a duty and fiduciary responsibility to your creditors whereas 4 Pillars works exclusively for and represents only YOU.  When you sign on with 4 Pillars Debt Solutions you are getting more than a strategy to reduce and eliminate your debt.

4 Pillars works with you to ensure you stay out of debt while giving you the tools to recover and grow financially.  The real difference between going with a Trustee and putting 4 Pillars in your corner is simple; with 4 Pillars YOU are their number one priority.

Educating Clients

If understanding credit and debt were as easy as doing simple arithmetic, no one would ever struggle with debt again.  Unfortunately there is more to debt them adding and subtracting.  4 Pillars knows credit and debt, they speak it fluently. Although the language can get technical and confusing, 4 Pillars is there to translate and navigate you through the debt settlement process.  One of 4 Pillars greatest strengths is that they work with their clients; educating, teaching them how to budget and giving the confidence to plan for the future.  In other words, 4 Pillars sets their clients up for life.  As a result, over 97% of 4 Pillars clients have successfully completed their debt restructuring plans; making 4 Pillars an industry leader in Canada.

It’s not just 4 Pillars’ clients who benefit from their expertise. Since 2005, 4 Pillars Debt Solutions has been an integral part of developing Financial Literacy in Canada.  The initiative began in Edmonton with the creation of a new platform of financial literacy tools; tools designed to help both social workers and non-profit organizations assist and educate low income families.  4 Pillars firmly believes that ending the cycle of debt starts by educating consumers.  For this reason, 4 Pillars continues working to create and promote Financial Literacy programs for all Canadians.

The Clients for Life Philosophy  

If you’ve been an addict for most of your life, the odds of being able to quit and stay clean are stacked against you.  But when you seek professional help, you are not only treating the physical effects of addiction you are dealing with the emotional ramifications as well. With the help of a facility or professional you are educated, and offered support from compassionate people who are experiencing the same struggles.  When you are struggling with debt, it is also best to seek help from someone who knows the territory.  Unlike some debt companies who take your money, set up your debt strategy, then disappear, 4 Pillars is by your side throughout the whole process. Whether your debt settlement strategy is Consolidation or a Consumer Proposal, 4 Pillars is there to represent you. While you are paying off your debt, your 4 Pillars Debt Specialist is helping you rebuild your credit and build your savings. And like any good support group, 4 Pillars does it all without judgement or blame.

Once you’ve paid off your debt, usually within 5 years, you will be able to focus on your future; creating the life you want.  But you won’t be doing it alone.  As a 4 Pillars CLIENT FOR LIFE you are welcome to seek their advice or assistance whenever you need it.  Your 4 Pillars Debt Specialist is always just a phone call away.

Specialized Tools Exclusive to 4 Pillars

When it comes to setting you up for life 4 Pillars looks at the big picture, life after debt.  Since 2002 4 Pillars has been creating Debt Restructuring Programs that take into account the many unique aspects of one’s overall financial situation.  This is how 4 Pillars’ clients are able to quickly recover and rebuild.

BUDGETING: It sounds simple yet it’s surprising how many people don’t have a realistic budget.  4 Pillars teaches you how to live within your means and track spending.  In fact, something as simple as a budget is one of the most important tools for creating stability within the family.

PROPOSAL PROTECTION: This program is exclusive to 4 Pillars.  It is designed to protect the payments made on a Consumer Proposal; should the client pass away or become sick, or get hurt due to an accident, the payments are made on the Consumer Proposal, helping avoid bankruptcy or being put back in the same financial position they worked so hard to get out off.

PHOENIX LOAN:  When you are in a Consumer Proposal your payments do not work toward improving your credit score.   The Phoenix Loan is also exclusive to 4 Pillars. It allows clients to qualify for a loan to pay out their consumer proposal giving an immediate jump in the credit score of up to 70 points and removes the consumer proposal up to 5 years sooner than making regular payments.  The Phoenix Loan is an interest bearing loan that reports on your credit score to help speed up the credit rebuilding process.

CAR LOANS:  Exclusive to 4 Pillars this program allows each client to qualify for a car loan at a significantly lower rate than they would otherwise qualify for given their current financial situation.  This program ensures the client can get an updated vehicle in good condition with a solid maintenance record. This program also let clients avoid dealerships who would take advantage of their situation, huge payments, negative equity and high interest rates.  4 Pillars wants to get you in a safe new vehicle without being taken for a ride.

CREDIT CARDS: 4 Pillars has special relationships with credit card companies who are willing to approve an unsecured credit card based on how well the client is educated in financial literacy as well as 4 Pillars’ reputation for success.  Remember, 97% of 4 Pillars clients have successfully completed their debt restructuring plans.

4 Pillars is able to offer these and many other programs to their clients because of the strong relationships they’ve built with like-minded financial planning companies, one of whom has the motto No Family Left Behind… 4 Pillars agrees.

The Promise Land of Real Opportunity

So what happens the day you make your last payment and you are official out of debt?  Apart from doing a little happy dance, you will be armed and ready to embark on the life you always wanted.  The life you couldn’t imagine because debt was standing in your way.  And with 4 Pillars support you will have the knowledge and the confidence to continue moving forward into the life you want.  Home ownership, travel, getting your kids through college, maybe even going back to school yourself.  With debt out of your way and 4 Pillars on your side, it is all possible.


I’m David Moffatt, your 4 Pillars Debt Specialist in Halifax.  I find it very rewarding knowing that I am able to make a difference in the lives of my clients.  And nothing makes me happier than helping them get back on their feet financially.   

After a very bad break up I had to start all over again. As a single mother receiving no child support and mounds of debt it was hard to make ends meet even having to get food from the food bank from time to time. I met a new man (whom I ended up marrying) it was very stressful having that debt hanging over my head in a new relationship. So I decided I had to do something to alleviate the stress it was causing. I saw an ad on Facebook about debt resolution and thought well it doesn’t hurt to inquire, and to my surprise it was the best decision I’ve ever made. David was wonderful to deal with, he explained everything in detail and if I had questions (which I had many) he was quick with his response. Now I can make one affordable monthly payment, and still have money for food and other necessities. The best part is I can get my credit back faster than if I went bankrupt. Thanks David you save me thousands of dollars and countless hours I spent worrying where I’m going to get the money to pay my bills. I would recommend you to anyone whom I know is in the same situation I was in.

Allison C, Halifax, NS

With David’s help we cut our debt by almost 60 percent! His support helped us through a very trying time. He made the whole process painless and gave us hope for our future. I don’t know where we would be without his help. Thank you David.   John and Rachel, Kentville

David and his 4 Pillars team explained all our options in terms we could understand. He was honest and without judgement, which was very important to us. Thanks to them getting out of debt has been stress free. I highly recommend calling them.   James, CFB Halifax.

Shortly after I signed with 4 Pillars my creditors stopped calling me. I had to check my phone to make sure it was still working. David was amazing. Very supportive as we worked on reducing my debt. It feels like a weight has been lifted and it’s all thanks to David and 4 Pillars Halifax.  Amy, Dartmouth

In the next installment we’ll take a more in depth look in to your debt free future.  In the meantime, feel free to call me with any questions or concerns about your own debt situation.  Your initial consultation is free.  (902) 482-9748.

4 Pillars Debt Solutions.  Visit us at 4Pillars.ca


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