Debt Consolidation Sackville

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 SACKVILLE

Sackville is much more than just a suburb of Halifax; it’s a community. The rest of Canada might not know about us but we’re the home of a lot of Nova Scotia’s best kept secrets. Hikers love Sackville Provincial Park, one of the most gorgeous spots in the region. Hungry? You can get incredible food at Hellas Diner or you can stop in for some of the best seafood in the region at a little known spot called Rowshan. The culture and community here are something to behold and the creativity of our residents has bred incredible artists, musicians, and chefs. 

 

While we’re a great spot to raise a family, there’s one thing we’re not so fond of – our consumer debt. Nova Scotia has one of the highest consumer credit card delinquency rates in the country. That’s a problem because Canada already has one of the highest consumer debt rates in the whole world. When you take on too much debt, you risk losing assets like your home. Not being able to pay your bills will lower your credit score. Having a low credit score can make it difficult to secure financing for things like a home or vehicle. It can also make it harder to qualify for lower interest rates, compounding your debt problem. Living in debt is unsustainable.

 

Here at 4 Pillars, we dream of a Nova Scotia unburdened by consumer debt. We want to help you pursue your dreams without worrying about a mounting pile of missed payments and calls from collection agencies. We want to help you escape from your financial woes so you can step boldly into your future. We want you to have enough credit to get a car, get a home, pay for your post-secondary education, and/or begin saving for your retirement.

There are a lot of tools in your toolbox; tools you probably don’t know about. We’re debt experts so we will help you create the best strategy for you to get out of debt. The process won’t always be easy, but it will always be better in the long run.

IMAGINE A DEBT-FREE FUTURE

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

We start with our free one-hour consultation – we might find that you simply need some minor adjustments to your spending habits or maybe we’ll need a more in-depth strategy. That might involve debt consolidation, where we take smaller, high-interest loans and group them into one larger, lower interest loan. We might advise debt restructuring, where we help you secure lower payments with your creditors. We might advise taking steps towards bankruptcy. The idea of bankruptcy might seem overwhelming at first, and it is the last resort for debt relief, but it may be the best way to get your financial, physical, and mental health back in order.

Once we’ve helped you eliminate your debt, we’ll help you get your credit score back to where it needs to be. Our strategies might include creating a nest egg and using a variety of tactics to push your credit score up to the point that you can get a mortgage. Mortgages are generally the biggest loans you might need and Canada has strict rules regarding credit scores and mortgages. We’ll help you get back on your feet and get a new lease on life so you can pursue your dreams. We’re 4 Pillars and we’re here for you.

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 Sackville 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 Sackville 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 Sackville 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 Sackville 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 Sackville 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 Sackville 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 Sackville 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 Sackville 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