4 Pillars Guide to Summer Financial Health Checkup

Summer is the perfect time to take a step back, relax, and assess your financial health. At 4 Pillars, we believe that regular financial checkups are essential to maintaining financial stability and achieving long-term goals. In this guide, we’ll walk you through a comprehensive summer financial health checkup, focusing on credit counselling and credit rebuilding […]

How to Find Reliable Debt Help in Alberta 

Managing debt can be a daunting experience, but finding the right help can make all the difference. If you are looking for reliable debt help in Alberta, you’re in the right place. In this article, we will explore various debt solutions available in Alberta and how Alberta debt counselling from 4 Pillars can provide you […]

Most Common Debts Among Canadians

It has never been easier to have access to credit, especially in a country like Canada. Even if that accessibility is linked to many benefits, it also carries a lot of disadvantages for Canadians.  Did you know that the average debt held by Canadians is $23,035? And that number is even higher when you are […]

How To Calculate Your Net Worth And Why Is Important For Your Debt

Have you ever heard of the term net worth? Do you know how it can affect your debt? Or even your business? We will solve all your doubts and clarify some important points that surround your net worth. You will be able to track your financial health, illustrate your progress, and pay off your debt. […]

Make your financial goals for 2016

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 your financial goals for 2016. Sure there are tons of articles on financial goals, but here’s a fact – everyone has a different situation – hence you’re better off making […]

8 questions you should ask yourself before paying that debt

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 only happens in films. Whoever contacts you from the collection agency should be asked to show some identification and a Collection Agency License. If they don’t have one on them, you can […]

How can a creditor recover an outstanding debt?

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 debt becomes overdue or on a court judgment . If you are not able to pay or even unwilling to pay off the outstanding amount, the creditor can recover the […]

I have been sued by my creditor. What are my options?

No matter how much effort you put into paying your overdue debts, there will be situations where a creditor can take you to court and have you sued. You want to avoid getting into such a sticky situation, as much as possible. However, sometimes, things take a wrong turn and it happens. A creditor usually […]

Five Tips To Help You Save for a Down Payment

Now that you are done scouting through neighbourhoods, tirelessly checking every potential house and then undertaking in-depth research of the areas, you have finally decided on a house.  So, the only thing that remains is to pay for the house. Buying your own house is no cheap matter. To purchase a house, you have to […]

How Do I Know Whether Or Not To Refinance My Mortgage?

Refinancing mortgage is usually something you opt for when you want to go in for a new loan without completely paying off your old one. This is usually done by combining your old and new loans together or completely restructuring them. Questions such as your financial situation and your eligibility for the mortgage should be […]