Murky Waters: Diving for Debt Relief Ask any diver or kid with a snorkel and they’ll tell you, it’s a completely different world just below the surface. A world of wonder and awe, filled with life, beauty, and just the right mix of danger. You have to follow a very specific set of rules but...Continue reading
Debt Movers: Packing Up Your Debt Once and For All There is something refreshing about moving. It’s a fresh start. Unfortunately, it comes with a lot of work. Packing up your old place, purging all of those treasures you couldn’t live without until you had to start packing, and of course finding a mover you...Continue reading
4 Pillars Consulting has partnered with The Phoenix Fund because it provides our clients with a better option for dealing with their debt and rebuilding their credit. The Phoenix Fund is a loan product that is available exclusively to clients of 4 Pillars. Through the Phoenix Fund, you borrow the funds required to payout your...Continue reading
Five Steps to Get Out of Debt Make a Budget You need to understand where your money comes from, how you use it when you have it and finally, where it goes. A monthly budget will help you organize your expenses and perhaps recognize where you can save some extra money and put an end...Continue reading
Debt Settlement: A Permanent Vacation from your Debt All summer long you’ve listened to friends tell you about their fabulous vacations. They’ve blogged about grand adventures, posted pictures of amazing escapades, and regaled you with humorous antidotes about that time they did that thing. And when they get around to asking about your summer, you...Continue reading
Personal Debt: The house guest who won’t leave You’ve tried to be polite. You’ve dropped subtle hints. You’ve even short sheeted the bed in the guest room. But still, you’re stuck with a guest who refuses to leave. A once welcome friend or family member who now eats all your food, runs up your phone...Continue reading
Why High Credit Card Debt should be Restructured Urgently Many Canadians struggle with credit card debt each year and often do not act quickly enough to restructure this debt and avoid financial disaster. Why is credit card debt so financially crippling? It`s all down to the interest and how it is calculated. Most people are...Continue reading
Looking out for Number One or looking after your interests? We live in a cynical world. There’s no such thing as a ‘free’ lunch, the flirty waitress is working for tips, and the friend who just praised you to the heavens is probably going to ask for a favor. Though age and experience has left...Continue reading
WHAT IS DEBT RESTRUCTURING? Your credit-card debt has piled up, the cards are maxed out, perhaps you’ve borrowed money to pay off bills, maybe you’ve gone to the limit on a line of credit and your household debt is completely out of control. You’ve decided it’s time to stop the spiral of debt consuming most...Continue reading
4 Pillars Personal Debt Restructuring: A Bankruptcy Case Study The Kendells were like many Victoria families. Two young children, two cars, a hefty mortgage, and a penchant for living slightly beyond their means. They both held down good jobs, had a bit of savings in the bank. The grandparents had ensured college would be taken...Continue reading
