Scott Patton operates our Kitchener / Waterloo office. As a debt expert since 2007 he has seen lots of changes to the debt industry and what it means for consumers to look for bankruptcy or consumer proposal help when facing difficult financial problems. The Reasons for Insolvency Since 2007 I have seen many factors that … Continue reading The Changing Landscape in the Canadian Debt Industry
Today’s post comes from our Ottawa debt consolidation expert, Shawn Frank . You can find out more about how Shawn Frank helps families and businesses in Ottawa get out of debt here. I’m going to talk about a condition that I see a lot with families. It’s the treadmill of debt, a cycle of … Continue reading “I can’t get out of debt” – the treadmill of debt
Last week, we published a “True Debt Story.” It was about a man in his fifties who lost his business, fell deep into debt, and was forced to start over. This was a true story from an actual 4 Pillars client. We asked him to tell us his story and we presented his words unedited. … Continue reading “I was 200K in Debt and Facing Bankruptcy” – A 4 Pillars Success Story
I think you’ll really agree with me when I say that the debt industry is really confusing. You have credit counselling societies, bankruptcy trustees, debt settlement firms, consolidation loans, consumer proposals, and a lot of different views on how you should deal with your debt. The media also chimes in, leaving more confusion than answers. … Continue reading Consumer Proposal vs Bankruptcy – How to Choose Wisely
This article is by Paul Murphy, our Managing Partner with 15+ years of investment and banking industry experience. If you’d like advice about your particular situation, reach out here. How Debt Restructuring Works in Canada In simple terms, debt restructuring is a proposal made to your creditors where you offer to repay the debt on different terms than … Continue reading Debt Restructuring: How Does It Work in Canada?
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