Debt Consolidation HRM

4 PILLARS DEBT RELIEF SPECIALIST

  • ■ 97% of families successfully complete the plans we create and become debt free.
  • ■ Our clients have been able to eliminate up to 80% of their debts.
  • ■ Our plans are 100% legal and have helped thousands of families and individuals.
  • ■ We Support local financial literacy initiatives and offer education to families in debt.

REDUCE YOUR DEBT BY UP TO 80%

$20,000

$5,000

$100,000

We'd love to discuss how we can help you become debt free


REDUCE YOUR DEBT BY UP TO 80%

>>>>>>>>>>  What does your debt look like?  <<<<<<<<<<

$20,000

$5,000

$100,000

4 PILLARS HRM

Halifax is one of the most incredibly unique cities in Canada. As the most populous municipality in Atlantic Canada and one of North America’s most significant shipping ports, we have a number of attractions you won’t see anywhere else. From the Museum of Immigration to Citadel Hill, the attractions in our great city reflect our history as one of Canada’s most important coastal regions. We’re a proud city – proud of our hockey players, from members of the Mooseheads to Sidney Crosby, proud of our incredible musicians and artists, and glad to be one of Canada’s most influential cultural regions.

 

What we’re not so proud of, on the other hand, is our consumer debt. Although Nova Scotians tend to carry less debt than the national average, the rate of delinquency is higher. This means that someone from Nova Scotia is more likely to miss a payment than the average Canadian. Missing payments is often the first sign that you are headed for financial trouble. If it happens frequently, it can begin affecting your credit score, making it harder to secure credit in the future. Goals like purchasing a home or a vehicle can start to seem unattainable when you’re battling against debt. 

 

Here at 4 Pillars, our dream is a Halifax with low consumer debt, where Haligonians are free to pursue their ambitions of home ownership, early retirement, post-secondary education – anything their hearts desire. We start with a free one-hour consultation where we’ll discuss your personal financial situation, identifying opportunities and weaknesses so we can create a concrete plan to get you out of debt.

 

When you’re overwhelmed with debt, there are a number of options that might be available to you. Debt consolidation is an option you might pursue – with that, you would consolidate multiple high-interest loans into one bigger loan, often with a lower interest rate. Debt restructuring is yet another option where we help you find a solution to pay back a smaller amount and on terms that are affordable. You might also opt to file for bankruptcy – its usually the very last resort and it can seem scary but sometimes, it’s the best decision for your financial health. 

 

We will give you candid advice about what debt reduction strategies are best for your situation. Once you’ve decided on your strategies, we’ll help you implement them in the most effective way and give you the tools and techniques you need to re-establish your credit.

IMAGINE A DEBT-FREE FUTURE

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

We’ll help you understand how much debt is too much debt, how to create a nest egg for emergencies, and how to boost your credit rating if it drops after restructuring or bankruptcy. Our goal is to ensure you have enough credit for a mortgage, which is generally the biggest loan you’ll ever need to take. 

No one wants to worry about whether or not they’ll be able to keep their home and car, let alone if they’ll be able to keep food on the table. Stop worrying about debt. Get in touch with us and get your financial health and your mental health back on the right track.

FREQUENTLY

ASKED

QUESTIONS

debt

HOW MUCH WILL IT COST 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…

Read More

Debt Consolidation HRM 1

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 or loans during this process. In other restructuring options, you may be able to keep the credit card if it has a zero balance…

Read More

Debt Consolidation HRM 2

HOW MUCH WILL IT COST 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…

Read More

Debt Consolidation HRM 1

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…

Read More

Debt Consolidation HRM 4

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…

Read More

Debt Consolidation HRM 5

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 or you do not pay back the debts on the original terms and conditions, it will have a negative effect on your credit rating…

Read More

Debt Consolidation HRM 4

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…

Read More

Debt Consolidation HRM 5

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 or you do not pay back the debts on the original terms and conditions, it will have a negative effect on your credit rating…

Read More

Debt Consolidation HRM 8

YOU’RE NOT ALONE

4 Pillars helps Canadians restructure almost

$1,000,000 of consumer debt every day.

Get debt free counselling services in Halifax today