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New Year’s is not just the time for freshness, newness and resolutions, it is also THE best time to review your financial situation and set…

4 Pillars Financial Wellness Advocates

Being under debt is not a pleasant experience. Your credit score plummets, you’ll find it difficult to take on loans, and it will get worse…

4 Pillars Financial Wellness Advocates

When you approach a debt counselor, you want to know that this person can help you. You’re spending time and money, and these are vital…

4 Pillars Financial Wellness Advocates

The most basic form of credit is not your student, car or home loan, it is credit card credit. It can be difficult to live…

4 Pillars Financial Wellness Advocates

1. Is it an official Collection Agency? Ordinary, you won’t have a thug banging down your door and asking you to pay a debt; that…

4 Pillars Financial Wellness Advocates

There are some collection agencies that just don’t have any decency. They cross the line of legality and human courtesy. No debtor wants to get…

4 Pillars Financial Wellness Advocates

There are only a few things which are worse than getting sucked into a debt hole. The debt piles up, you don’t just have the…

4 Pillars Financial Wellness Advocates

One of the responsibilities of being a creditor or collection agency is actually recovering the money owed. A collection agency swings into action when the…

4 Pillars Financial Wellness Advocates

Many debtors take the decision to avoid dealing with debt. They hide from creditors, avoid taking phone calls from collection agencies, change phone numbers often,…

4 Pillars Financial Wellness Advocates

Credit report is an important document that details your financial transactions through the past few years. It is started the moment you get your first…

4 Pillars Financial Wellness Advocates