Credit counselling can be extremely effective and useful during plenty of situations. Then again, there may be alternatives that could work better for your case, so it’s definitely important to weigh them properly. Consider the following benefits and drawbacks before you become a 4Pillars client.  Pros
Credit counselling can help you slowly repair your financial health and credit
The faster you consolidate your debts, the more interest you will save
Debt consolidation can also prevent collection penalties and legal actions
4Pillars can offer you many different debt management options
Cons
Fees vary based on how much help you need and maybe unaffordable
4Pillars does not operate in every province or territory