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Debt Resources & Tools

How debt consolidation works

Debt Consolidation can mean a lot of different things and can refer to many different programs. A loan to consoidate debt can…

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What About Credit Counselling?

It just does not help people enough based on the numbers we have run. This is very misunderstood service…

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How to avoid the foreclosure of your home

There are special rules and regulations that affect dealing with losses from a property, and there are ways to deal with those losses

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What is an informal proposal?

At Debt Victoria, we help you to negotiate directly with your creditors to pay back only a portion of what is owed

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What is a consumer proposal?

Consumer Proposals are in our opinion the ‘sweet spot’ for debt relief in Canada. They provide reduction options for both

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What is bankruptcy and why it is likely not your only alternative.

We try to help people avoid bankruptcy. However, there are times where things are just too far gone to fix

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Student Loan Debt Help

In 2016, it seems like it is almost impossible for most young adults to obtain a post-secondary education without taking out a student loan...

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5 Best Ways to Consolidate Your Debt

There is nothing more amazing than the feeling of breaking free from consumer debt. The liberation that follows debt relief can be…

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All About Bankruptcy

We try to help people avoid bankruptcy. However, there are times where things are just too far gone to fix. In those situations…

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Collection Agency Harassment

Are you getting rude or aggressive collection calls? Here is how to deal with angry & rude collection agents….

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Seize or Sue Rules

If you are feeling STUCK in a bad car loan that you either cannot afford or wish you never got into because you are backwards in the loan

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Budgeting Template

You may download our budgeting template here…

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Consolidation Loan vs. Line of Credit

Should I take a Debt Consolidation Loan or a Line of Credit to fix my Debt Problems/pay off my debt?…

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Will Debt Restructuring Affect My Credit?

What kind of effect will your debt restructuring program have on my credit?

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Get Out of Debt: The Best Ways

Based on working in the Credit and Financial industry for over 8 years now here is what I feel are the best ways to get out of debt…

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Debtor Warning – Debt Consultants Sometimes Not What They Appear

Today, I want to talk about two things. First, I’ve been meaning to share where people can find reviews of our 4 Pillars Victoria office. …

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Enjoy life after debt

We can help you reduce your debt by up to 80% and get your life back.