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

The Top Ten Questions about Consumer Proposals Searching for answers when you’re having financial difficulties is a grim task. You’ll hear scary words like “bankruptcy,” “unsecured debts,” and “asset liquidation”. Thankfully there are a lot of options available for those that find themselves mired uncomfortably in debt. A consumer proposal is an alternative to bankruptcy,...Continue reading

Have your stress levels reached a boiling point with your debt? Learn about a consumer proposal You have debt and the payments have become unmanageable and your stress has reached a near boiling point. Now what? What do you do? Your answer is: Debt Restructuring. When you are looking for a debt management plan though,...Continue reading

Debt War Veterans There’s a war raging in Canada, it’s a war against debt. And right now DEBT seems to be winning. The casualties are high as people lose their homes, financial security, even their families due to debt.  Though the collateral damage is far reaching, the tide is turning as more and more Canadian...Continue reading

How Consumer Proposals and Bankruptcies Settle Debt When you find yourself in serious debt trouble you need to understand your options to deal with the debt and how the processes work.  If you debt is over $10,000 often you can find yourself in a situation where you need to consider a consumer proposal or bankruptcy. ...Continue reading

For those with debt, the only question that matters  .  .  . So, you’ve got some debt, and it feels like a mountain to you.  You feel constantly weighed down by the burden of knowing that no matter what you do, the debt just doesn’t ever seem to go away.   You look on-line, and you...Continue reading

I Didn’t Know Who to Trust I went through a very difficult time. I was in a serious car accident which required a long and painful recovery. Due to the accident I was no longer able to work. Shortly after my accident my husband lost his job and our combined income was now a fraction...Continue reading

Debt Jokes: When Punchlines Hurt There’s truth in humor, that’s what makes it relatable. The more tragic the truth the darker the humor. Sometimes there’s a little too much truth in humor and what is making the world around you laugh out loud, leaves you numb. Jokes on you When you’re living with debt it...Continue reading

Walking Away from Debt The Journey of a thousand miles begins with one step. – Lao Tzu Lace up your shoes. You’ve been side stepping your debt for years. And where has it gotten you? Have you been moving forward or running in place? In some cases your debt has been walking all over you,...Continue reading

Debt & Math: Something Doesn’t Add Up There are two kinds of people in the world. People who love math; who can calculate complex equations and formulas in their heads, who actually enjoy the challenge of solving a mathematical problem and will gladly tell you how they figured out that X was the square root...Continue reading