If you are unsure which creditors you owe, we recommend that you obtain a copy of your credit bureau file. This file will give you a...Continue reading
A common question. Any time a consumer misses payments or pays back less than 100 percent of what they owe, their credit rating is always affected...Continue reading
Banks are willing to accept the payment plan proposed through a Consumer Proposal because it allows them to realize a more substantial return than if you...Continue reading
You are granted court protection within 24 hours of filing a Consumer Proposal or Bankruptcy, meaning your creditors cannot sue, garnish, or contact you directly.Continue reading
The fees charged by credit counselors are usually built into your monthly payments. Most credit counselors charge a 10-15% processing fee based on the amount of...Continue reading
Deciding to restructure can be difficult for people with good credit. Choosing to deal with your debt and stop living paycheque to paycheque means your credit...Continue reading
The income of a debtor does not limit their ability to carry out different restructuring options. In all cases, it’s about looking at all of the...Continue reading
4 Pillars work with almost every kind of debt imaginable, including credit card debt, bad loans, leases, mortgages, and more. Most Common Types of Debt from...Continue reading
Different restructuring options have different effects on your credit rating. As a general rule, any time you settle your debt at less than 100 cents on...Continue reading
Because deciding to restructure can be difficult, it is vital to understand both the benefits and implications of doing so. Restructuring can significantly reduce debt and...Continue reading
4 Pillars helps both individuals and families of all sizes who: Cannot meet their monthly minimum service payments on $10,000 or more of unsecured debt, Prefer to avoid bankruptcy, Have...Continue reading
