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4 PILLARS DEBT RELIEF SPECIALIST

  • ■ 97% of families successfully complete the plans we create and become debt free.
  • ■ On average, our clients have been able to eliminate 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 HALIFAX

KNOW YOUR OPTIONS

01

FOCUSED STRATEGIC PLANS

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 financial goals

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

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

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Full Payoff Information

  • $ 0

    Balance

  • 0 %

    Interest Rate

  • $0

    If you paid only the minimum payment

  • 0 Months

    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.

Case Study: Tammy’s Story

In any family, unexpected health issues can arise and wreak havoc on day-to-day and long-term finances. Tammy and her husband, a hardworking couple, discovered this when Tammy’s husband experienced an unexpected health issue and was unable to continue working.[…]

Debt Issues, Who Can You Trust? 4 Pillars Halifax

Trust is tricky. Finding someone to trust with your secrets starts at a young age, and you risk betrayal if the person you’ve entrusted with your faith fails to keep your confidence. By the time you’re an adult, you’ve usually found someone you can trust and met people you can’t. Your lawyer, your doctor, your priest, these are people you approach with the unspoken assumption of trust. However, for most people, meandering through their everyday lives, trust isn’t always given so freely. When someone accuses of you of having trust issues, you can probably trace the cause back to one singular incident in your past.[…]

Life after Debt: Rebuilding with 4 Pillars Halifax

With the ringing in of a new year comes the promise of a new beginning, a fresh start, a renewed sense of hope. This is the year you’re going to lose weight, save money, exercise more, read more. Whatever your New Years’ resolutions may look like, they are all your sincere attempt to make a change.[…]

Case Study: Tammy’s Story

In any family, unexpected health issues can arise and wreak havoc on day-to-day and long-term finances. Tammy and her husband, a hardworking couple, discovered this when Tammy’s husband experienced an unexpected health issue and was unable to continue working.[…]

Debt Issues, Who Can You Trust? 4 Pillars Halifax

Trust is tricky. Finding someone to trust with your secrets starts at a young age, and you risk betrayal if the person you’ve entrusted with your faith fails to keep your confidence. By the time you’re an adult, you’ve usually found someone you can trust and met people you can’t. Your lawyer, your doctor, your priest, these are people you approach with the unspoken assumption of trust. However, for most people, meandering through their everyday lives, trust isn’t always given so freely. When someone accuses of you of having trust issues, you can probably trace the cause back to one singular incident in your past.[…]

Life after Debt: Rebuilding with 4 Pillars Halifax

With the ringing in of a new year comes the promise of a new beginning, a fresh start, a renewed sense of hope. This is the year you’re going to lose weight, save money, exercise more, read more. Whatever your New Years’ resolutions may look like, they are all your sincere attempt to make a change.[…]

Learn More.

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




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4 Pillars Halifax - Debt Relief Specialists
4 Pillars Halifax - Debt Relief Specialists
5 out of 5 stars
10 reviews
50 Eileen Stubbs Ave Unit 130
Dartmouth, NS B3B 0M7, Canada
(902) 482-9748
4 Pillars Halifax - Debt Relief Specialists
Crystal Uebbing
5 out of 5 stars
I am amazingly impressed with the service we received when dealing with David Moffatt. He took his time and helped guide us to understanding our situation and all of our options. Completely no...
4 Pillars Halifax - Debt Relief Specialists
Zinah al jamil
5 out of 5 stars
We live in a society were debt becomes a way of life and people think there is no way out. I am a Financial Educator and have sent David with 4 pillars many people that require help and he has...
4 Pillars Halifax - Debt Relief Specialists
Tracy Daniels
5 out of 5 stars
I had made a few decisions that I thought at the time was helping me. I started to sink in almost 30 thousand of debt. Everything I had worked for in repairing and building my credit was about to...
4 Pillars Halifax - Debt Relief Specialists
Andrea MacKay
5 out of 5 stars
Breathe in . Breathe out. Do you feel that? We forgot how to do just that for YEARS because our debt was crippling us , but today I happily say I can BREATHE again! Thank you David Moffitt and 4...
4 Pillars Halifax - Debt Relief Specialists
Nessa K
5 out of 5 stars
I thought i was destined to drown in consumer debt for the rest of my natural born life without any chance for assistance due to no collateral and a few maxed out credit cards. David has already...