Founded in 2002 4 Pillars are experts in debt consolidation, debt relief planning, and helping you identify the fastest way to debt freedom.
02 Consolidate your debt into one easy payment
We will assist you in implementing the plan you desire. The overwhelming majority of the plans we assist with have our clients be debt free in 5 years or less.
03 We help with ongoing support
With the industry’s most comprehensive aftercare program you can rest assured that you will learn everything you need to know about credit, budgeting, and the fundamentals of money management. Of course, we never want you in this situation again.
We are committed to protecting your privacy. Our privacy policy provides an overview of how we collect, use and disclose the personal information of our clients. “Personal Information” means any information about an identifiable individual. We recognize the importance of privacy and the sensitivity of personal information received by us in the course of our business. This policy has been developed with those obligations in mind.
Our Need for Personal Information
In order to be able to assist our clients, we need access to all relevant facts and information that relate to the financial situation of our clients. This information will necessarily include personal information about our clients and about individuals other than our clients.
Consent
We do not, except where otherwise permitted by law, collect, use or disclose personal information unless the client is aware of the purposes for which the information will be used or disclosed, and has given his or her consent to such use or disclosure.
Collection
Where practical, we endeavor to collect personal information directly from the person to whom the information relates. When necessary, we will collect personal information from other sources. We limit our collection of personal information to include only what is necessary to assist our clients. In the course of providing services to you we will be required, in certain circumstances, to obtain information or assets from third parties, for example credit checking organizations.
Use and Disclosure
We limit our use of personal information to those purposes which have been disclosed to our clients, or for purposes which are otherwise permitted by law. We use and disclose personal information in compliance with all applicable federal and provincial privacy legislation.
Specifically, we use and disclose personal information in the following circumstances:
If we discuss an informal proposal with some or all of your creditors and collection agencies, we may disclose certain personal and financial information to your creditors and collection agencies. We will disclose to each creditor or collection agency only as much information as is needed to perform our services.
If you decide to enter into a formal proposal with the assistance of a licensed Trustee, we will provide certain documents containing personal and financial information to the Trustee. The Trustee will file this information with the Office of the Superintendent of Bankruptcy, a federal government agency, to initiate protection for you under the Bankruptcy and Insolvency Act (the “Act”). It will be necessary to notify your creditors of your legal status as a debtor under the provisions of the Act. They will also have access to certain documents, including your Statement of Affairs.
Your personal information may be shared among the InSync Financial Group of Companies including but not limited to eCreditBuilder, Credence Financial Services and CreditPoint Mortgage. This will always be done with your consent.
Security of Personal Information
We recognize our obligation to protect the confidential information of our clients. We recognize as well our obligation to protect the personal information we have gathered about our clients and about other individuals as part of providing our services. We have therefore made arrangements to secure against the unauthorized access, collection, use, disclosure, copying, modification, disposal or destruction of personal information.
Accuracy and Access
When working with clients we highlight the importance of providing us with accurate and complete information. Our clients can always access the personal information they provide us in compliance with relevant privacy laws.
Retention
We retain your personal information as long as necessary to provide the services that you require and in accordance with relevant legislation.
On-line Privacy
By using our Website or related services, you consent to the collection, use and disclosure of your personal information in accordance with this Privacy Policy. In addition, to any information the consumer may provide cookies may also be collected. “Cookies” are small text files offered to a user’s computer by web servers in order to keep track of the user’s browser as a website is navigated.
Contacting or Communicating with Us
If you have any questions with respect to our policies concerning the handling of your personal information, or if you wish to request access to, or correction of, your personal information under our care and control, please contact our Privacy Officer at:
4 Pillars Consulting Group Inc. 2300 – 2850 Shaughnessey St. Port Coquitlam , BC V3C 6K5 Attention: Privacy Officer
If you are dissatisfied with our handling of your personal information, we invite you to contact our Privacy Officer in writing, setting out the reasons for your concern.
Changes to this Privacy Policy
We reserve the right to modify this Privacy Policy at anytime without notice. The Privacy Policy posted at any time or from time to time via this website shall be deemed to be the Privacy Policy then in effect.
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.
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.
Restructuring can significantly reduce the debt owed and vastly reduce your monthly payments by removing the financial pressure you face. It will also allow you to repay debt which you probably feel you will never repay. You need to look at dealing with debt as part of your long-term plan and calculate the cost of servicing the debt you have. Is it stopping you from contributing to your children’s RESP’s or your own RSP’s? Is the debt being paid down aggressively or will it be carried out for years before ever being paid off? If you choose to deal with your debt and stop living paycheque to paycheque, the trade-off is you will take a hit on your credit rating. But with the proper plan, this can be minimized and the short-term hit is often worth it, as it allows you to actually meet your long-term financial goals and reduces the constant stress you feel from the debt you carry.
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
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.
These sessions can happen in your local 4 Pillars office (we have offices across Canada) or via skype or telephone.
Get expert answers about your current debt situation and an unbiased review of your options.
Get detailed information about how consumer proposals work and what is required to file one, debt consolidation, credit counselling, and how these debt relief options affect your credit rating and mortgage.
Information about spousal responsibility to the debt, the long-term effect of different options on your ability to obtain a mortgage, and what you can do to best deal with your creditors.
4 Pillars fees are very reasonable and affordable. The fee will be determined by the complexities of your particular situation. You can rest assured that in your free consultation you will be fully informed as to the total fee and what services the fee includes.
Trust is tricky. Finding someone to trust with your secrets starts at a young age, and you risk betrayal if the person you’ve entrusted with your faith fails to keep your confidence. By the time you’re an adult, you’ve usually found someone you can trust and met people you can’t. Your lawyer, your doctor, your priest, these are people you approach with the unspoken assumption of trust. However, for most people, meandering through their everyday lives, trust isn’t always given so freely. When someone accuses of you of having trust issues, you can probably trace the cause back to one singular incident in your past.
When you’re struggling with Debt Issues, who can you Trust? Chances are you’ve tried to deal with your debt on your own only to end up in more debt. Perhaps you trusted your debt issues with a friend or family member, only to be met with a lecture or an “I told you so”. You may have gone as far as speaking to others in the debt industry only to find their solution benefited your creditors instead of helping you.
When you have debt issues you have every reason to feel suspicious, cautious, and leery of anyone offering help. You’ve learned from experience, if it seems too good to be true, it probably is. When you’re ready to reach out and ask for help with your debt, do it with your eyes wide open. Do your research, don’t be shy, you’re about to trust someone with your financial future, make sure it is someone who deserves your trust.
A reputable Debt Specialist will encourage you to do your homework. Don’t just google them, talk to the better business bureau, seek out former clients, and don’t be afraid to ask questions.
If they aren’t charging you, ask them how they’re getting paid.
Ask for references. (Remember, they should be working for you!)
Ask for a detailed explanation of how they work and what exactly they are going to do to help you. (A successful debt restructuring plan should go beyond just dealing with your debt, it should help you create a sustainable budget and provide a comprehensive credit rebuilding program.)
Do they make you feel judged and blamed for your situation, or do you sense sincere compassion and understanding?
Do you talk with an expert face to face, or are you dealing with a call center.
Does it feel like they genuinely care with an understanding of your situation, or are you just another file to process, sent away one size fits all, debt plan?
Are you being heard? Your debt issues are short term but your financial goals are not, so any plan to deal with your debt must be considered.
I’m David Moffatt, your 4 Pillars Debt Specialist in Halifax. When I finished my time in the Canadian Armed Forces I knew I wanted to pursue a career that let me fight for those who weren’t able to fight for themselves. As your 4 Pillars Debt Specialist I work for you. I am not affiliated with your creditors in any way. I am accountable to you, my client. I will help negotiate your debt down to a manageable size, often by up to 80%! While you are paying off your debt, I will be helping you rebuild your credit, while laying the ground work to achieve future goals. It’s my goal to see you debt free and thriving within 5 years.
Is 4 Pillars Debt Solutions a Scam?
No, 4 Pillars Debt Solutions is not a scam. Yes, we provide a service for which we do charge a fee. But, with that fee comes our assurance that we work only for you. It may seem like we’re too good to be true. However, over the last 15 years 4 Pillars has created a program to deal with debt that we believe is the most successful and most comprehensive in Canada. We are not impartial, we represent your best interest and we have no obligations or duties to your creditors.
To read the 4 Pillars promise in full, click here
4 Pillars Debt Solutions has earned a rare position in this market. Many debt companies are either funded by your creditors or have a fiduciary duty to them. At 4 Pillars it’s our belief that when you are in the debt advisory business you either represent the debtor or your represent the creditor. We don’t believe you can do both and remain impartial. Since 2002, we’ve been creating strategies to get Canadians out of debt, and keep them out of debt. As a result, 97% of our clients have successfully completed their debt restructuring programs and are now experiencing freedom from debt. With our help they have been able to quickly rebuild their credit and are on their way to achieving their financial goals.
As a 4 Pillars Halifax Debt Specialist I like knowing that I can make a difference in my clients’ lives. One of the first things I can give my clients is peace of mind. From there, I roll up my sleeves and get to work. As a result I have clients who are already rebuilding their credit, while paying off their debt, and laying the ground work for a financial future they never thought possible. Whether that future includes home ownership, opening a business, or retiring with confidence, they are all goals that wouldn’t have been possible with debt weighing them down.
To hear their stories and thousands more, click here on the client testimonial link
A Healthy Dose of Skepticism
To have trust you need transparency. As your 4 Pillars Debt Specialist I will address your concerns honestly. And if I don’t have the answer, there’s a team of 4 Pillars debt experts sitting behind me who do. So do your research and look us up the Better Business Bureau, we’re very proud of our A+ rating.
Whether you are talking to 4 Pillars Halifax or one of the over 60 other 4 Pillars locations across Canada, you will always be met with compassion and respect, by a professional who wants to see you debt free and thriving. Click this link to see the 4 Pillars locations near you.
What’s In It for You?
Peace of Mind. It may not seem like a big deal, but if you’ve been struggling with your debt, the knowledge that you finally have someone on your side, working for your best interests, can make a real difference in how you recover from your debt. Fact, 4 Pillars Debt Solutions restructures almost $1 Million of debt every day so you can be assured you are working with a proven winner when it comes to reducing your debt, rebuilding your credit, and paying off that debt.
At 4 Pillars Halifax I listen to your concerns about debt and your hopes for the future. I take this all into careful consideration as I thoroughly analyze your situation. From there I put together a strategy that is going to work best for you. I’m the one who will be creating the plan to deal with your creditors, keeping you up to date as we go! If someone has told you bankruptcy is your only option, talk to me. If it’s determined that a Consumer Proposal is a better, less drastic option, the 4 Pillars team and I will be there to help you structure the proposal on your terms as we represent you throughout the whole process.
When you have Debt Issues, who can you trust? 4 Pillars Halifax, I’m David Moffatt, call me today at (902) 482-9748.
Life after Debt: Rebuilding with 4 Pillars Halifax
With the ringing in of a new year comes the promise of a new beginning, a fresh start, a renewed sense of hope. This is the year you’re going to lose weight, save money, exercise more, read more. Whatever your New Years’ resolutions may look like, they are all your sincere attempt to make a change.
When you’re struggling with debt it’s hard to see the New Year as anything but ‘more of the same’. It’s impossible to see potential and promise when there is a mountain of debt blocking your view. In fact, when you live in the shadow of your debt, it’s hard to see anything positive at all.
I’m David Moffatt, your 4 Pillars Debt Specialist in Halifax. And I can change your view. I can help you knock that mountain of debt and start building the positive future you want. In our last two articles I laid the groundwork for settling your debt. I presented the pros and cons of working directly with a bankruptcy trustee as opposed to hiring an advocate to look after your best interests. Then I showed you some of the tools we can use to settle your debt, and help you stay out of debt in the future.
So, here we are, ready to embark on that journey to a new and better year. The truth is, your journey doesn’t start when you are debt free it starts when you call 4 Pillars Halifax Debt Solutions for help, real debt help.
Consumer Want to Change
Debt is not your friend. Sure it was fun in the beginning, but when times started getting tough, your debt wasn’t very supportive; in fact it just added to your problems. The truth is, Debt has nothing positive to contribute to your life, but it demands everything; your peace of mind, your savings, your sleep, your job security, even your relationships. Like any toxic relationship, your debt calls all the shots and you have no control over your life, your money, or your mental well-being. So if you want to move forward in your life you’re going to need to break-up with your debt.
When you’re ready to unblock your view and reduce that mountain of debt to a pile of rubble, you won’t be doing it alone. 4 Pillars Debt Solutions will be there, leading the way. After all, 4 Pillars has been helping consumers successfully deal with their debt since 2002.
A Holistic Approach to Life after Debt
4 Pillars Debt Solutions takes a holistic view of your debt. We take in the whole picture. Then we go to work helping you deal with the past, clean up the present, and prepare you for your debt free future.
4 Pillars does not take a cookie cutter approach to your debt. There is no ‘one size fits all’ solution. Every clients’ situation is unique to them so we customize a debt settlement strategy that will work best. Over the years we’ve developed programs to help reduce, settle, and eliminate your debt. In many cases we’re able to help cut your debt by up to 80% and you’re able to pay it off with in 5 years. Looking out for your best interests we create a plan to deal with your creditors. We put Credit Rebuilding programs in place that will best help you repair and rebuild your credit faster and more efficiently. We educate you, supplying the tools necessary to avoid falling back into debt. We give you the support and the confidence to see your future as you want it to be. And we do it all without judgement or blame.
During your first consultation with a 4 Pillars Debt Specialist, which is always free, we are listening, gathering information, and analyzing your situation to come up with the best strategy to deal with your debt. It may creating a realistic budget and learning how to manage your money. Debt Consolidation may be your best solution; wherein we’d negotiate your debt into one lower payment lessening its control on your life. If filing for Bankruptcy or a Consumer Proposal is your only option, we will be by your side, representing your best interests every step of the way.
Client Satisfaction equals a Job Well Done
4 Pillars Halifax Debt Solutions has over 60 offices from Vancouver Island to St. John’s Newfoundland. And there is not a 4 Pillars Debt Specialist out there who doesn’t feel a huge sense of pride when a client says THANK YOU! We know the negative role your debt has played in your life and anytime we can bring peace of mind, hope, and promise of a brighter future, then we’ve done our job.
In our first installment I told you about the Debt Specialist in Barrie who helped a young family avoid bankruptcy while reducing their debt from $120,000 to $19,000. A debt they will have paid off in less than five years. Every one of our offices can tell you a similar story about clients they’ve pulled from debt, clients who are now debt free and first time homeowners; clients who are going to retire with confidence; clients who have started a small business; and clients who have rediscovered the joy of living.
I’m very proud of my clients and the progress they’re making. At 4 Pillars we must be doing something right because over 97 percent of our clients have successfully completed their debt restructuring plans; making 4 Pillars an industry leader in Canada. To see what our clients have to say about us click the link below.
Read real stories and testimonials from thousands of 4 Pillars clients
If one of your New Years’ resolutions is to conquer your debt and regain control of your life, we can help make that happen and show you the life you’d always wanted. If you’re in Halifax and you’d like to explore your debt settlement options or discuss your own situation, call me, David Moffatt at 4 Pillars Halifax. (902) 482-9748
In any family, unexpected health issues can arise and wreak havoc on day-to-day and long-term finances. Tammy and her husband, a hardworking couple, discovered this when Tammy’s husband experienced an unexpected health issue and was unable to continue working.
Initially, he received long-term disability payments to help cover expenses. After a period of time, the insurance company stopped making these payments, placing added financial strain on the couple. Tammy and her husband went from a two-income household to a one-income household, adding further strain to an already difficult situation.
Despite Tammy’s best efforts, the couple had to rely on credit to stay afloat. Their debt continued to increase until they were maxed out. The combination of her husband’s health issue and an overwhelming amount of debt caused tremendous stress, and the couple didn’t know where to turn.
Tammy came across 4 Pillars Debt Consultants online and decided to take a chance and give them a call. She didn’t know what to expect from 4 Pillars Halifax but was desperate for help. As soon as she began chatting with David Moffatt, Tammy felt at ease. He listened closely to her situation and provided support and guidance as to how she could get their finances back on track. David created a strategy that helped reduce their household debt from $53,000 to $7,500 with zero interest and provided them the tools and education to create a manageable budget . This has greatly relieved the couple’s financial stress and the ongoing financial literacy programs are allowing them stay out of debt and start building a nest egg to prevent against financial problems in the future.
If you or someone you know is suffering from debt and are interested in learning more about how to escape it, give 4 Pillars Halifax a call and let us walk you through the process of rebuilding and reclaiming your financial future. We can help you with a variety of different services, including professional financial consultation, debt restructuring strategies, budget evaluation for your family or individual needs, as well as asset protection and refinancing recommendations. And once you’re out of debt we continue to work with you in order to ensure that you maintain your financial situation and avoid falling back into debt again.
