Facts of Life verses Facts of Debt  One way or another you learned the facts of life.  If it wasn’t an awkward conversation with a parent, or a progressive teacher who taught your health class, you learned about the facts of life from a friend, and probably relearned with the correct information later on.  Learning...Continue reading

Getting debt help to settle/consolidate your debt in Winnipeg Today, more than ever before Canadians are finding themselves trapped under a mountain of debt and in need of debt help. It is so easy to get caught up in the cycle of spending a lot on credit and only paying off a little, then spending...Continue reading

Credit Cards: NOT Free Money   People say all kinds of things they don’t really mean.  “The cheque’s in the mail” is a popular cliché that nobody really takes stalk in.  Mostly because nobody really writes cheques anymore, let alone mails anything.  “Let’s have lunch sometime”, another friendly, yet innocuous statement that usually results in...Continue reading

As Canadians we live in one of the top 20 wealthiest countries of the world. So why is it that over 63,000 Canadians claimed bankruptcy in 2015? Let’s take a look at some of the possible reasons why so many people in Canada have to give up and claim bankruptcy. Spending more than you earn...Continue reading

Getting debt help to settle your debt at 4 Pillars Medicine Hat Are you finding that your debt is beginning to spiral out of control and you need debt help? If you are struggling to make your monthly payments and are finding it difficult to see the light at the end of the tunnel then...Continue reading

Finding debt help to settle / consolidate your debt in Lethbridge Have you ever been there before? You pick up the mail, open up your credit card statement and are blown away by the amount you owe? Next you look online at your bank balances and notice that your line of credit is nearly maxed...Continue reading

I recently heard one particular Bankruptcy Trustee, now known as Licensed Insolvency Trustee(LIT), advertise free financial advice. What does that mean? Does it mean a free one hour consultation? Or could it be they will file a consumer proposal or a bankruptcy for you and you don’t pay them any fees? Whatever it means, nothing...Continue reading

So, you’ve got some debts, and your attempts to solve the problems on your own haven’t worked out.  You’re either a renter, or the house you own doesn’t have enough equity in it to refinance and come up with enough money to pay the debt off.  Any assets you could sell wouldn’t put much of...Continue reading

Isn’t it time to finally be done with the stress, headaches, and pain of living in debt? Isn’t it time to finally give your debt the eviction notice it deserves? 4 Pillars has been helping Canadians since 2002 and in that time we have helped tens of thousands of Canadians get out of debt. Our...Continue reading

Stop cashing out investments to solve debt! ​ There are reasons why RSP’s, insurance policies, equity in the home, among other items are exempt from being liquidated in the event of an insolvency. In an effort to keep this blog post at a reasonable length, I won’t go into detail about our highly leveraged financial system. In...Continue reading