4 Pillars Halifax
Unit 130 - 50 Eileen Stubbs Ave B3B 0M7 Dartmouth, NS, Canada

It’s a simple conceptone big loan to wipe out lots of little debtsbut a technique that always causes a lot of confusion. In this article we review all the questions someone may have regarding debt consolidation: https://www.4pillars.ca/blog/should-i-consolidate-my-debt

Starting a budget is undoubtedly the hardest part of getting on track financially. https://www.halifaxdebtfreedom.ca/starting-a-budget-for-th/

This means that unless an individual wants to surrender the assets, they do not have to nor are they obligated to buy them back from the Trustee. Learn more about what happens to assets in a consumer proposal here: https://www.halifaxdebtfreedom.ca/consumer-proposal/

Client success pictures are our favourite thing! 4 Pillars has helped thousands of Canadian's solve their financial difficulties. The hardest part is the first phone call. If you are struggling give us a call at 902-482-9748.

The only type of debt a proposal doesn’t compromise is debts from misrepresenting income, fraud and in some cases source deductions. There are other complications with business debt as well. Learn more here: https://www.halifaxdebtfreedom.ca/need-help-with-cra-debt/

Our clients always ask us: what’s the difference between debt consolidation and consumer proposals? When should you choose one over the other? Check out this article to learn more: https://www.4pillars.ca//debt-consolidation-vs-consumer-pr

HOW WILL A BANKRUPTCY OR A CONSUMER PROPOSAL AFFECT YOUR CREDIT RATING? You might know a little about what each of those options can do for you, but how do they impact your future credit rating? Read More >> https://www.4pillars.ca//how-will-a-bankruptcy-or-a-consu/

Quite frankly, the real-world impacts for the average client are very minimal. In most instances the credit state of people who first see us is poor. Because of this, they would actually see a substantial benefit in filing a consumer proposal. https://www.halifaxdebtfreedom.ca/how-does-a-consumer-prop/

If you could go back in time, what would you say to your 20-year-old self? https://www.4pillars.ca//debt-and-millennials-what-would-/

In bankruptcy, any assets that have value are either surrendered to the Trustee or re-purchased from the Trustee. In a consumer proposal, this ‘vesting’ process does not occur. https://www.halifaxdebtfreedom.ca/consumer-proposal-vs-ba/

When someone works with a 4 Pillars Halifax Debt Specialist, they are aligning themselves with a financial expert who will work to create the best solution for their financial situation. Learn more here: https://www.4pillars.ca//4-pillars-or-a-licensed-insolvenc

A significant portion of the population is currently struggling with credit card debt. Here we explore the secret to getting out of credit card debt: https://www.halifaxdebtfreedom.ca/getting-out-of-credit-ca/

There are lot more proven and legal ways to reduce large amounts of debt than simply filing bankruptcy. In this article we walk through the most popular methods in Canada for dealing with large and unmanageable sums of debt: https://www.4pillars.ca//debt-help-canada-8-ways-out-of-de

DEBT AND REWARD POINTS; WHAT’S THE REAL COST? When you’re living with debt that thought of a free vacation is enticing. Maybe transferring the balance from ... Read more >> https://www.4pillars.ca//debt-and-reward-points-whats-the/

Anyone who has ever been in debt knows that the situation affects more than just the bank account. The relationship between debt and health has been studied for decades and it appears that there has always been evidence that debt affects not only one’s physical but also mental health. https://www.4pillars.ca/blog/how-debt-may-affect-your-health

Credit rebuilding is not a quick process; it’s a lot easier to damage a credit score than it is to repair it, especially without the right tools and information. https://www.4pillars.ca//tips-on-how-to-the-importance-of-

For Canadians, a credit score can range anywhere from 300 to 900. If it falls in the 800 to 900 range it is considered excellent credit, but anything above 650 will usually allow someone to qualify for a standard loan. Learn more here: https://www.4pillars.ca/blog/how-to-manage-your-money

The thought of saving for an emergency fund can be intimidating when someone has many expenses and monthly payments to handle as it is. Start small if needed to and think of it as a long-term goal. https://www.4pillars.ca//emergency-funds-an-important-part

What will cost more on a monthly basis? Find out here: https://www.halifaxdebtfreedom.ca/consumer-proposal-vs-ba/