. . . . . .
4 Pillars

Join our Debt Boot Camp

Get 10 short email lessons on debt consolidation, consumer proposals, and bankruptcy 101. It's free and written for Canadians. Not your usual advice.


COVID-19 Update: We are here to help during these difficult times. Click here to learn more about the programs available to you and contact us today for a personalized review of your financial options.

4 Pillars Articles by Laurence Herzenberg

Why Consumers Need Credit

By Laurence Herzenberg

Why Consumers Need Credit The abuse of credit cards in society today is sadly widespread and misunderstood. The problems that develop from keeping up with just the minimum payments leads to significant anguish in a relatively short period of time. There are however tremendous benefits that can be derived from the intelligent use of credit […]

The Downside to Living Through a Housing Boom

By Laurence Herzenberg

The benefits of home ownership  There is no better feeling in the world, as a homeowner to see the value of your property going up in value each year. Seeing neighbours sell their property at ever increasing prices creates a sense of empowerment. A desire to spend and spend big as the value of your […]


Book your free consultation.

Your local office will be in touch with you promptly.

"The stress and worries are over. We are living again."
Actual client testimonial. Name removed to protect privacy.
Go To Top Button