If you’re currently considering filing for bankruptcy or a consumer proposal, that means you’re struggling with high debts that you can no longer repay. These two debt relief options are essential for ensuring your life isn’t ruined by going into debt. However, there’s one important consideration many clients have before officially filing for a bankruptcy...Continue reading

Taxes and debt relief are two of the most complex aspects of Canada’s financial system. Going through a debt management process like a consumer proposal or bankruptcy is tricky as is, but it’s made even more difficult when considering how they change your tax filings and refunds. This blog will demystify the connection between a...Continue reading

Filing for bankruptcy is a difficult decision, but the decision is made even harder when you’re a renter. The ability to rent a place to live is very dependent on an individual’s credit history, with bankruptcy taking a major toll on one’s credit. As the cost of living has increased tremendously, more people in Canada...Continue reading

“Well, I got a job and tried to put my money away. But I got debts that no honest man can pay.” — Bruce Springsteen It was June. I was attending a wedding of a friend and I met a man in his late 20’s, who had recently fallen into debt. It began with a...Continue reading

  Struggling with debt is stressful, but you don’t have to deal with it alone. Understanding the options available to you when you decide to resolve your debt and get your finances back on track is the first step. It’s essential to have an advocate look out for your interests—not those of your creditors—in order...Continue reading

Remember the surge of excitement that came with getting your first credit card? It felt like a rite of passage; that somehow you were finally an adult.  Over the years the thrill of getting your credit card statement has decreased. In fact, for a great many Canadians, just the thought of their credit card bill...Continue reading

WHAT IS DEBT CONSOLIDATION? According to the Bank of Canada, the average Consumer Debt (excluding mortgages) held by Canadians is $20,759.  As most Debt Experts will tell you if you owe more than $20,000 it gets harder to make a payment that is substantial enough to pay down your interest.  As a result, your debt...Continue reading

Getting Debt Help in Barrie – Read about an actual Success Story I’m Terryl Allen, your 4 Pillars Debt Relief Specialist in Barrie and Orangeville.  Over the past seven years, I’ve worked with many different clients, from very different financial situations. However, they all had one thing in common; their debt had taken control and...Continue reading

Debt Help Success Story in Peterborough I’m Adrian Moore, your 4 Pillars Debt Specialist in Peterborough and Kawartha Lakes.  As a Debt Specialist I’ve seen the negative toll debt can take on a person’s life.  The amount of stress generated by debt alone can leave you depressed, exhausted, and physically ill.  As if things weren’t bad enough,...Continue reading

Debt Stress to Relaxation: A Debt Help in Victoria I’m Benjy Houser, your 4 Pillars Debt Specialist in Victoria.  I’ve had a lot of clients come through my door and I’m proud to say I’ve been able to help most of them not only eliminate their debt, but move on to vibrant financial futures. The Kendells were...Continue reading