4 Pillars reviews

Case Study: Tammy’s Story

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.

David Moffatt
Director/Senior Consultant

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