The Truth About Debt Settlement With 4 Pillars                I have heard from some people that say all debt help businesses are just a “money grab” and that they don’t actually give you any debt help. Some people believe that debt settlement doesn’t actually help the person in debt. I am here today to tell you...Continue reading

Help! My credit card debt is leading me to Bankruptcy! If you know how to use them correctly, credit cards can be a handy tool. The problem is that it can be all too easy to fall into the trap of buying more than you can afford and end up making minimum payments only, while...Continue reading

June 2016 Bob Hauck, 4 Pillars Consulting Group, Kamloops, BC Jason was in trouble and he knew it! He didn’t have much debt – really only about $10,000, but it was the worst kind of debt – payday loans. Much like the 1980’s cult classic movie, “Escape from New York”, he needed to escape from...Continue reading

Debt Help with 4 Pillars For this month’s blog post I would like to answer a few questions that you might have about 4 Pillars. I want you understand exactly what we at 4 Pillars can do for you, and how our services can help you to lower your debt. What is 4 Pillars and...Continue reading

At 4 Pillars Victoria I have helped hundreds of people become debt free. In my experience if you are living in overdraft it is one of the telltale warning signs that you may have a problem with the amount of debt you are carrying and that your debt load may be becoming unmanageable. Living in...Continue reading

Recently, I was explaining to a friend what I do. I discussed different debt related situations, solutions, examples, etc. As I was talking my friend interrupted me and said the following… “Zach, just about everyone I know has some kind of debt. I can’t believe they all need debt help or consolidation services. Who actually...Continue reading

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 saying that, suffice it to say,...Continue reading

What is the true cost of servicing debt? Consider this, our standard file: $50,000 of credit card debt. If the person would like to pay the $50,000 off in 5 years, they would have to pay an estimated $1,541.67 per month for 60 months. Therefore, the total payback = $92,500 In order to pay back...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

School’s Out: What You’ve Learned from Debt Students all over the country are graduating, moving on to bright futures and unlimited possibilities with the confidence that they can accomplish anything they set their minds to.  Oh, to be that optimistic again!  Oh, to be 18 or 21 and venturing out on your own for the...Continue reading