Credit Cards: NOT Free Money   People say all kinds of things they don’t really mean.  “The cheque’s in the mail” is a popular cliché that nobody really takes stalk in.  Mostly because nobody really writes cheques anymore, let alone mails anything.  “Let’s have lunch sometime”, another friendly, yet innocuous statement that usually results in...Continue reading

Getting debt help to settle your debt at 4 Pillars Medicine Hat Are you finding that your debt is beginning to spiral out of control and you need debt help? If you are struggling to make your monthly payments and are finding it difficult to see the light at the end of the tunnel then...Continue reading

Finding debt help to settle / consolidate your debt in Lethbridge Have you ever been there before? You pick up the mail, open up your credit card statement and are blown away by the amount you owe? Next you look online at your bank balances and notice that your line of credit is nearly maxed...Continue reading

So, you’ve got some debts, and your attempts to solve the problems on your own haven’t worked out.  You’re either a renter, or the house you own doesn’t have enough equity in it to refinance and come up with enough money to pay the debt off.  Any assets you could sell wouldn’t put much of...Continue reading

Isn’t it time to finally be done with the stress, headaches, and pain of living in debt? Isn’t it time to finally give your debt the eviction notice it deserves? 4 Pillars has been helping Canadians since 2002 and in that time we have helped tens of thousands of Canadians get out of debt. Our...Continue reading

Stop cashing out investments to solve debt! ​ 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...Continue reading

A Matter of Life and Debt When sorting through your finances, figuring out what you have and what you owe, it really is a matter of life and debt.  Often the debt column leaches into life column in ways you never expected.  In fact, if you added a third column, a quality of life column,...Continue reading

Debt Relief: Is it Attainable?  Is debt relief really attainable?  In a word, YES!  It’s finding the right road to debt relief that can be tricky.  Take one wrong turn or just one ill-advised detour, and you could find yourself right back where you started, or worse, deeper in debt and at risk of losing...Continue reading

Deadlines versus Debt Lines To quote Douglas Adams: “I LOVE Deadlines! I Love the whooshing sound they make as they fly by!” We’ve all made deadlines for ourselves.  By the age of 25 you were going to be travelling the world.  By 35 you were going to have your first novel published. By 45 you,...Continue reading

Living with Debt in a House of Cards  Before the internet and video games kids did the craziest thing to pass the time.  They built stuff. Stuff like impenetrable forts out of blankets and pillows and couch cushions.  When your mother banished you from the living room you took your building endeavors outside, creating strongholds...Continue reading