Know your options
Focused Strategic Plans
The goal is to help get you out of debt as soon as possible, help get you into a payment plan you can easily afford, and help protect your mortgage and assets. After reviewing your current financial situation, we outline a personalized plan to meet the immediate short-term needs of dealing with your debt that fits your long-term financial goals. It does not matter if you have tried getting debt consolidation loans in the past – everyone will leave our office with a better picture of their financial situation.
Consolidate Your Debt
Our role is to represent you, and structure a new affordable payment plan, or debt management plan, to deal with your debt, either through a comprehensive budgeting program, sourcing reasonable finance options that make sense for you, or if required through a filing with a Licensed insolvency or bankruptcy trustee. What are bankruptcy trustees you may ask? A bankruptcy trustee is an officer of the court who acts on behalf of the creditors in a fiduciary capacity. The role of the trustee is to investigate the debtors financial situation and to ensure that the debtors rights are not abused while also protecting the rights of your creditors. The bankruptcy trustees cannot act as your financial advocate to help get you the best possible outcome and their fees are a tariffed based percentage of what they collect on behalf of your creditors. In saying all of that, we believe it to be imperative that you obtain your own representation in any major financial decision. If carefully structured with your best interests in mind, a proposal to creditors will usually repay a portion of what you owe, often eliminating up to 80 per cent of debt. We are debt consolidation experts.
Re-Establish Your Credit Rating
Imagine a Debt-Free Future
97% of families successfully complete the plans we create and become debt free.
Frequently Asked Questions
4 Pillars helps Canadians restructure almost
$1,000,000 of consumer debt every day.
Get debt free counselling services in Halifax today