4 Pillars Vancouver / Surrey
1285 West Broadway Suite 600 V6H 3X8 Vancouver, BC, Canada

What sparked your debt-free journey?

DEBT WAR VETERANS There’s a war raging in Canada, it’s a war against debt. And right now DEBT seems to be winning. The casualties are high as people lose their... Read more >> https://www.4pillars.ca/blog/debt-war-veterans/

I was having a hard time paying my debt, even though I had two jobs. I support my father in the Philippines and much of my debt was from paying for his medication and hospital bills. I’m glad to help him but my debt grew to $46,000 and I couldn’t bring it down. A friend told me about 4 Pillars, and it sounded promising. I met with Hardip and she was wonderful! Even with the pandemic, she took the time to prepare my file and take care of my situation. I’m so relieved because my debt is now only $12,900. This has changed my future because not only can I pay off my debt, but I can also save money. 4 Pillars is awesome, and I am so thankful! Thank you Melissa for your kind, uplifting words! It's a pleasure to be working with you.

Noel had $29,000 unsecured debt and an additional amount of $61,000 owing to a vehicle he couldn’t afford. He was struggling with the payments and wasn’t sure what to do. After meeting with another company and not really getting any answers, he met with 4 Pillars. He was told that we could assist with his unsecured debt as well as given options for his vehicle. His debt of $29,000 was reduced to $15,000 and he no longer has the vehicle, making it much easier for him to budget... and pay for his expenses. I had a huge amount of debt that I’d acquired over the years, including a new vehicle. I realized after I’d bought the vehicle that the payments were too high, and I wasn’t going to be able to pay for the car and my other debts. Being a contract worker, I’m sometimes on EI and those payments were not nearly enough to cover my expenses. Initially, I went to a different company, but I wanted a second opinion. A friend of mine recommended that I try 4 Pillars instead. Hardip really helped me, she answered my questions and concerns and, more importantly, helped with my debt. I now feel assured that this debt that was hanging on my shoulders can finally be paid off. I can life my life without worrying about the banks calling me everyday and harassing me about money. This is definitely a step in the right direction.

It’s ok to start over!!!

THANK YOU! This is indeed good news. I feel so relieved and appreciate your help! Harold is an enthusiastic young man who had accrued $30,000 of credit card debt. Even though he made his payments on time, his credit score was falling due to his high balances. In addition, his hours were cut at work, so he was struggling to make the payments at all. A friend of his recommended that he meet with 4 Pillars for help. Harold followed their advice and finally felt that he could... get out of his situation. We were able to let Harold know that his debt had been approved at a reduced amount of $7,800. At only $130 a month, he’ll be out of debt within 5 years. Once his hours increase, Harold plans to pay more and be finished before the 5 year term. We know this is absolutely possible and we look forward to continuing to work with him as he finds financial freedom. See more

Not necessarily.

You may feel that now is not the time to deal with your debt, but Ginger’s story shows that it might be the perfect time. A family of five living off one household, they were additionally stressed due to the pandemic. However, Ginger decided to work with 4 Pillars and now feels freer than before. Her stress is gone and she can focus on keeping her family safe and healthy. When the pandemic began, I was on maternity leave so my husband was the only one able to work. We were a...lready struggling and even though he wanted to find a second job, he was unable to due to restrictions. My financial advisor introduced me to 4 Pillars. I had told her the stress I was under, how I couldn’t sleep and had nightmares due to my debt of $26,000. Creditors started to call, which added to my worries. After I met with 4 Pillars, I felt so relieved right away. Hardip assured me that they would help me, and they did! My debt was reduced to $15,000. When they told me the good news I started crying with happiness. 4 Pillars has given me a peaceful life; my stress and the nightmares are gone, and I no longer receive calls from my creditors. 4 Pillars’ process and services are excellent. They will not let you down, they only build you up. I have been able to start over and I am so grateful. To say thank you is not enough for the help 4 Pillars has given me. See more

THANK YOU! This is indeed good news. I feel so relieved and appreciate your help! Harold is an enthusiastic young man who had accrued $30,000 of credit card debt. Even though he made his payments on time, his credit score was falling due to his high balances. In addition, his hours were cut at work, so he was struggling to make the payments at all. A friend of his recommended that he meet with 4 Pillars for help. Harold followed their advice and finally felt that he could... get out of his situation. We were able to let Harold know that his debt had been approved at a reduced amount of $7,800. At only $130 a month, he’ll be out of debt within 5 years. Once his hours increase, Harold plans to pay more and be finished before the 5 year term. We know this is absolutely possible and we look forward to continuing to work with him as he finds financial freedom. See more

LEARN ABOUT A CONSUMER PROPOSAL If structured correctly a Consumer Proposal can cut the debt by up to 80% so payments are as low as possible ... Read more >> https://www.4pillars.ca/bl/learn-about-a-consumer-proposal/

DEBT AND EMERGENCY PREPAREDNESS When you’re living with debt, you live on the financial edge and what may not constitute an emergency to someone else could be enough to send you over the edge. Read more >> https://www.4pillars.ca/bl/debt-and-emergency-preparedness/

We will be closed Monday, September 7th. The office will re-open Tuesday, September 8th, at 9:00 am. Have a wonderful long weekend and we look forward to assisting you when we return!

What will you do in the next few upcoming days to get you closer to financial freedom?

I just can’t believe it, I’m overjoyed! Thank you so much for your help. Such a weight has been lifted off my shoulders. Like so many others, Darryl was making monthly payments to his creditors and getting nowhere. He tried to pay over the minimum, but it seemed as though his debt was actually increasing. A financial advisor recommended that he meet with 4 Pillars to go over his options. He was happy to hear that his debt of $70,500 could likely be reduced to $27,000. With 0% interest and lower payments, he felt confident that he could get out of debt. Well, his debt was approved at an even lower amount of $15,900! His payments are only $265 a month. Within 5 years he’ll be completely debt free. Darryl is now beginning to rebuild his credit and move forward.

BREAKING UP WITH DEBT Breaking up with debt can be messy. By now you realize it’s been a one sided relationship where you do all the giving and debt does all the taking... Read more >> https://www.4pillars.ca/blog/breaking-up-with-debt/

BREAKING UP WITH DEBT Breaking up with debt can be messy. By now you realize it’s been a one sided relationship where you do all the giving and debt does all the taking... Read more >> https://www.4pillars.ca/blog/breaking-up-with-debt/

We are very grateful to be part of 4 Pillars, especially to you who has always been there to help us throughout this journey. From the bottom of our hearts THANK YOU VERY MUCH!!!! Marissa and Connor are clients of Kassidy's, from our Vancouver office. Marissa became a client in 2016 when she was struggling with her $18,000 debt. She worked with Kassidy to determine what her best option would be and was so pleased when her debt was reduced to $4,500. Marissa brought her husband, Connor, in earlier this year for help with his $39,000 debt. His debt has been reduced to $12,300. They now are truly working toward financial freedom together. We thank them for their kind words!

THE TOP TEN QUESTIONS ABOUT CONSUMER PROPOSALS: 1. Is this the same as a bankruptcy? The answer is no. All your assets are protected in a consumer proposal whereas ... Read more >> https://www.4pillars.ca//the-top-ten-questions-about-cons/

THE TOP TEN QUESTIONS ABOUT CONSUMER PROPOSALS: 1. Is this the same as a bankruptcy? The answer is no. All your assets are protected in a consumer proposal whereas ... Read more >> https://www.4pillars.ca//the-top-ten-questions-about-cons/

Start with just one thing.

KNOWLEDGE IS POWER: LEARNING ABOUT DEBT This is your life your life we’re talking about. Your debt controls your present and your future. You’ve already seen what it’s done to your past... read more >> https://www.4pillars.ca//knowledge-is-power-learning-abou/