All information provided in this article is sourced from publicly available materials and is intended for general educational purposes only. It does not constitute legal advice. 4 Pillars is a debt advocacy firm and is not a law firm. For legal advice specific to your situation, please consult a qualified lawyer in your jurisdiction. For...Continue reading

Debt consolidation is a popular way to reduce debt. We explain the basics and show you how debt consolidation is different than consumer proposals.  Our clients always ask us: what’s the difference between debt consolidation and consumer proposals? When should you choose one over the other? What are the disadvantages of consumer proposals? Today, I’ll...Continue reading

It’s no secret that debt can be a huge burden. Debt can keep you from reaching your goals and achieving financial freedom. In this blog post, we will discuss some of the most common mistakes people make when trying to pay off their debt. We’ll also provide tips on how to avoid these mistakes and...Continue reading

As I wrote previously, the Financial Consumer Agency of Canada (FCAC) was established in 2001 by Financial Consumer Agency of Canada Act to: “ensure that financial institutions, external complaints bodies and payment card network operators are supervised by an agency of the Government of Canada so as to contribute to the protection of consumers of...Continue reading