Debt Consolidation Halifax NS

4 Pillars Halifax – Debt Relief Specialist

Consolidate your debt and Become Debt Free

  • Our plans are 100% legal and have helped thousands of families and individuals
  • 97% of families successfully complete the plans we create and become debt free.
  • We have assisted in the successful restructuring of over 1 billion dollars of consumer debt throughout Canada
  • We support local financial literacy initiatives and offer education to families in debt.

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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

Building cash savings and gaining an understanding of how to build / maintain a good credit rating are the cornerstones of any successful plan to deal with debt. Once you have the new plan in place, those will be the next items we discuss with you. We help you understand your credit report, the importance of maintaining a strong credit profile, how to effectively manage credit, and therefore keep yourself out of debt for good.

Imagine a Debt-Free Future

Debt can be a symptom of any number of problems and life circumstances: a struggling or failed business, reduction in working hours, a drop in sales commission, divorce or separation, injury or illness, or simply previous poor financial decision making and bad advice coming home to roost.
In Canada, it’s important to understand that you are not your debt. Like millions of Canadians, you may have a debt issue. But with timely counselling, a solid debt restructuring plan, plus immediate credit rebuilding, you can move on from your debt, wiser, financially solid and fortified against ever going into debt again. You can repay your debt with one affordable monthly payment.

97% of families successfully complete the plans we create and become debt free.

Frequently Asked Questions

How much will it cost me to work with 4 pillars?

All 4 Pillars offices provide a free 1-hour information session, educating you about all the options available; Learn more about how to deal with overwhelming debt and bankruptcy alternatives.

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Do I get to keep any credit cards?

This largely depends on the type of restructuring used. If you file a Bankruptcy, then you cannot obtain or have any credit during this process. In other restructuring options, you can keep the credit card if it has a zero balance

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What is debt restructuring​?

Making the decision to restructure can be a difficult one for some people and it is important to understand both the benefits and implications of doing so.

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Will debt restructuring affect my credit rating?

Different restructuring options have different effects on your credit rating. As a general rule, any time you settle your debts at less than 100 cents on the dollar, it will have a negative effect on your credit rating. 4 Pillars has one of the most comprehensive credit rebuilding programs in Canada, to help you minimize the impact of debt restructuring on your credit rating.

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Debt Consolidation Halifax NS 1

4 Pillars helps Canadians restructure almost
$1,000,000 of consumer debt every day.

Get debt free counselling services in Halifax today