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%

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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

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

How much will it cost me 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.

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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

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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.

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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, 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.

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Debt Consolidation Sackville 1
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