4 PILLARS BEDFORD
Not enough people know about Bedford. That might be because the city got amalgamated into the Halifax Regional Municipality a mere 16 years after it was incorporated. Whatever the reason, it’s a shame. From gorgeous parks like DeWolf and Hemlock Ravine to incredible restaurants like Il Mercato and Resto, there’s a lot to see and do in the area. Too few Canadians have experienced Bedford Days, the joy of being so close to the Atlantic, or the incredible warmth of Bedford hospitality. We have a lot to give to the rest of the country and we’re proud of our roots.
One thing we’re not as proud of is the level of consumer debt in our area. Nova Scotia has some of the highest consumer credit card delinquency rates in the country. That means Nova Scotians aren’t paying off their credit cards on time which can adversely affect their credit scores and their ability to generate wealth. This is compounded by the fact that Canada has some of the highest consumer debt ratios in the world, and that things like higher education and housing are getting more expensive year after year.
We know this isn’t sustainable; that’s why we opened our 4 Pillars office to serve the residents of Bedford. Our dream is to help everyone with too much debt get out from under that burden. We want to help you unlock your dreams, whether they be home ownership, a car, a post-secondary education, or simply freedom from the mental and physical anguish that uncertainty surrounding debt can bring.
Getting out of debt isn’t always easy; it can take hard work and a lot of strategizing. We’re in your corner. We’ll start with a free one-hour consultation allowing us to assess your overall financial health – strengths and weaknesses. From there, there are a number of things you might be able to do to reduce your debt load. You might be very fortunate and the plan to get out of debt might simply involve realigning some of your buying patterns. You might instead need debt consolidation, where many smaller, high-interest loans are consolidated into one large, lower interest loan, allowing you to make payments more easily.
Imagine a Debt-Free Future
You might need debt restructuring where we help you lower your debts and find a new affordable payment arrangement. You might need to file for bankruptcy – this is the last resort and often sounds scary, but it can be a valuable tool for getting out of debt that seems insurmountable. There are plenty of other tools in your financial toolbox – tools we’ll help you learn about.
Once you’re out of debt, you’ll need to rebuild your credit rating and you won’t have to do it alone. We’ll help you create a strategy for rebuilding your debt, a strategy that will include saving money to create a nest egg and getting your credit score high enough that you can apply for a mortgage. Your debt might seem too big to deal with, but we’re here to help. Trust the professionals at 4 Pillars – free yourself from debt and follow your dreams.
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