4 Pillars

How we help.

We listen, ask the important questions, and build a plan to put the burden of debt behind you.

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COVID-19 Update: We are here to help during these difficult times. Click here to learn more about the programs available to you and contact us today for a personalized review of your financial options.

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Debt Restructuring

4 Pillars consultants offer a variety of services specific to people in debt. We outline the options available to you and walk you through the process. Your debt solution will likely be one of the following, which we will manage on your behalf:

Consumer Proposals

A viable restructuring option for over 45,000 Canadians a year, a Consumer Proposal allows the consumer to seek legal protection from their creditors and pay back only a portion owed.

Learn more about consumer proposals...

Bankruptcy

Seeking bankruptcy protection is occasionally the only option. We will help you through it and show you how to avoid it ever happening again.

The 4 Pillars promise is to help get you out of debt today and never be a client again, with our Clients for Life® full circle opportunities.

Learn more about bankruptcies...

After Care

Once you’re out of debt, our customized aftercare plan will get your credit headed back in the right direction.

There is no magic bullet to credit rebuilding. Many consumers don’t realize that credit is an important part of accumulating wealth in Canada. Credit is easily damaged, but it can take years to repair without the right information, tools, and a clear path to creating a strong credit score.

The goal of every aftercare program is to reach a score of 650 or higher and qualify for a CMHC approved mortgage.

Learn more about our aftercare programs including credit rebuilding...

Corporate Expertise

Businesses are just as challenged as individuals. Our sister company, Corporate Transition Group gives you practical and specific advice to get your business healthier.

Learn more about corporate restructuring...

"Working with 4 Pillars Consulting gave my family a 2nd chance at a new life."

Actual client testimonial. Name removed to protect privacy.


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"The stress and worries are over. We are living again."
Actual client testimonial. Name removed to protect privacy.