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REDUCE YOUR DEBT BY UP TO 80%

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

$20,000

$5,000

$100,000

4 Pillars Nanaimo

START YOUR DEBT FREE LIFE

01

FOCUSED STRATEGIC PLANS TO HELP YOU BECOME DEBT FREE

The goal is to help get you out of debt as soon as possible, help get you into a payment plan you can easily afford, and help protect your assets. After reviewing your current financial situation, we outline a personalized plan to meet the immediate short-term needs of dealing with your debt that fits your long-term.

02

CONSOLIDATE YOUR DEBT

Our role is to represent you, and structure a new affordable payment plan to deal with your debt, either through a comprehensive budgeting program, sourcing reasonable finance options that make sense for you, or if required through a filing with a Licensed insolvency trustee. What is a trustee you may ask? A trustee is an officer of the court who acts on behalf of the creditors in a fiduciary capacity. The role of the trustee is to investigate the debtors financial situation and to ensure that the debtors rights are not abused while also protecting the rights of your creditors. The trustee cannot act as your financial advocate to help get you the best possible outcome and their fees are a tariffed based percentage of what they collect on behalf of your creditors. In saying all of that, we believe it to be imperative that you obtain your own representation in any major financial decision. If carefully structured with your best interests in mind, a proposal to creditors will usually repay a portion of what you owe, often eliminating up to 80 per cent of debt.

03

RE-ESTABLISH YOUR CREDIT RATING AS YOU ACHIEVE DEBT FREEDOM

Building cash savings and gaining an understanding of how to build / maintain a good credit rating are the cornerstones of any successful plan to deal with debt. Once you have the new plan in place, those will be the next items we discuss with you. We help you understand your credit report, the importance of maintaining a strong credit profile, how to effectively manage credit, and therefore keep yourself out of debt for good.

CALCULATE YOUR

DEBT

Our Debt Repayment Calculator will help you determine how long it
will take for you to pay off all of your outstanding debt. Simply enter
in your current debts and an expected monthly payment or a desired
pay off time frame to see how much time and money you could save.

Debt Calculator

Full Payoff Information

  • $ 0

    Balance

  • 0 %

    Interest Rate

  • $0

    If you paid only the minimum payment

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    Expected Payoff Time

  • $0

    Total Interest You Would Have To Paid

IMAGINE A DEBT-FREE FUTURE

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

Debt can be a symptom of any number of problems and life circumstances: a struggling or failed business, reduction in working hours, a drop in sales commission, divorce or separation, injury or illness, or simply previous poor financial decision making and bad advice coming home to roost.

It’s important to understand that you are not your debt. Like millions of Canadians, you may have a debt issue. But with timely counselling, a solid debt restructuring plan, plus immediate credit rebuilding, you can move on from your debt, wiser, financially solid and fortified against ever going into debt again.

FREQUENTLY ASKED QUESTIONS

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

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

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

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

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

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

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

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

YOU’RE NOT ALONE

4 Pillars helps Canadians restructure almost

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

Don’t Leave Debt For Your Kids to Deal With

Leaving behind debt when you pass away places an unnecessary burden on loved ones. In addition to the sad loss of a loved one, beneficiaries may find themselves dealing with creditors and loss of their inheritance, now used to pay off the deceased’s outstanding debts. People often worry that “When I die, my children will be forced to deal with my unpaid debt.” Children may also worry about the possibility of taking on parental debt down the road. The reality is, debt cannot be inherited, nor can it be willed to someone else. Wills are used to distribute assets, not debts. That said, debt still becomes problematic if not handled correctly, so it’s important to keep your finances in good order.
[…]

Rags to Riches: A Debt Help Success Story in Nanaimo

I’m Sue Grubac, your 4 Pillars Debt Specialist in Nanaimo. The first thing I bring to my clients life is peace of mind. As your Debt Specialist I work for you, not your creditors. It is my goal to lessen the burden of their debt, create a strategy to a reduce it to a manageable size, sometimes by up to 80%. I give you the tools to pay it off within 5 years, while rebuilding your credit and helping set up your future. In other words it’s my job to see to it you are debt free and thriving within 5 years, if not sooner![…]

Life after Debt: Rebuilding with 4 Pillars Nanaimo

When you were in high school everyone asked what your plans were for the future. Were you going to College? University? Trade School? Some of you may have had your plan mapped out and ready to spring into action upon graduation. But most kids didn’t really know what they wanted to do with the rest of their lives. Back then, everything seemed possible. And when you’re busy living in the moment, you don’t worry about the future. Flash forward a couple decades and you still can’t see your future. But this time it’s not because you’re living in the moment of youthful bliss. Now your future is being blocked by debt. You’re not so much living in the moment as you are stuck in the moment, unable to see past your next pay cheque.[…]

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Don’t Leave Debt For Your Kids to Deal With

Leaving behind debt when you pass away places an unnecessary burden on loved ones. In addition to the sad loss of a loved one, beneficiaries may find themselves dealing with creditors and loss of their inheritance, now used to pay off the deceased’s outstanding debts. People often worry that “When I die, my children will be forced to deal with my unpaid debt.” Children may also worry about the possibility of taking on parental debt down the road. The reality is, debt cannot be inherited, nor can it be willed to someone else. Wills are used to distribute assets, not debts. That said, debt still becomes problematic if not handled correctly, so it’s important to keep your finances in good order.
[…]

Rags to Riches: A Debt Help Success Story in Nanaimo

I’m Sue Grubac, your 4 Pillars Debt Specialist in Nanaimo. The first thing I bring to my clients life is peace of mind. As your Debt Specialist I work for you, not your creditors. It is my goal to lessen the burden of their debt, create a strategy to a reduce it to a manageable size, sometimes by up to 80%. I give you the tools to pay it off within 5 years, while rebuilding your credit and helping set up your future. In other words it’s my job to see to it you are debt free and thriving within 5 years, if not sooner![…]

Life after Debt: Rebuilding with 4 Pillars Nanaimo

When you were in high school everyone asked what your plans were for the future. Were you going to College? University? Trade School? Some of you may have had your plan mapped out and ready to spring into action upon graduation. But most kids didn’t really know what they wanted to do with the rest of their lives. Back then, everything seemed possible. And when you’re busy living in the moment, you don’t worry about the future. Flash forward a couple decades and you still can’t see your future. But this time it’s not because you’re living in the moment of youthful bliss. Now your future is being blocked by debt. You’re not so much living in the moment as you are stuck in the moment, unable to see past your next pay cheque.[…]

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Learn More.

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




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4 Pillars Nanaimo - Debt Relief Specialist
4 Pillars Nanaimo - Debt Relief Specialist
4.3 out of 5 stars
10 reviews
65 Front St #501
Nanaimo, BC V9R 5H9, Canada
(250) 740-1226
4 Pillars Nanaimo - Debt Relief Specialist
Jamie Wicks
5 out of 5 stars
If you are looking for somewhere to go to re-structure your life financially to set yourself up better for the future then see Sue at 4 Pillars Nanaimo. I visited Sue at a time in my life where I...
4 Pillars Nanaimo - Debt Relief Specialist
Norm Detillieux
5 out of 5 stars
4 Pillars and Sue provided me with excellent support and guidance through one of the biggest financial decisions I have made. At first I was very intimidated with the process and had a tremendous...
4 Pillars Nanaimo - Debt Relief Specialist
Caitlin Cooke
5 out of 5 stars
4 Pillars does what they say they are going to do, when they say they are going to do it. If you are looking to become debt free and start planning for the future, then 4 Pillars Nanaimo is the...
4 Pillars Nanaimo - Debt Relief Specialist
Mike van santen
5 out of 5 stars
4 Pillars Nanaimo - Debt Relief Specialist
Don Dickie
5 out of 5 stars
I met Sue during the course of my Financial Advising business. She is a debt relief specialist, and truly excells at this. Occasionally I will have clients experiencing setbacks in their lives,...