How we can help
Understanding all the options available to deal with your debt will allow you to make an informed decision. Every 4 Pillars consultant uses an approved and methodical plan in assisting you with your financial situation. Below is an overview of the 4 stages each consultant takes to review, prepare and turn your case into action.
1. Initial Consultation
The initial consultation allows us to provide you with detailed information on how to deal with your debt.
2. Information Review
Your consultant will review all of your supporting documentation, and finalize the best strategy available to you. You can then decide if utilizing 4 Pillars services is right for you.
3. Plan Design & Execution
We will work closely with you to execute your debt restructuring plan.
4. Completion
Once we have completed the debt restructuring plan we will begin working with you on a comprehensive credit rebuilding program.
Our clients are real people who deal with local consultants
We see them as unique individuals who need real help. Help we are uniquely qualified to provide.
Many of us have seen friends or family in financial distress. It's what inspired us to get into the help business in the first place.
Our compassion, paired with our industry experience has made us the leading debt restructing firm across Canada, helping thousands of clients coast to coast.
With industry experience since 1998, our track record and list of testimonials backs our claim of expertise.
The way we see it, when we help people succeed, they will return the favour.
| Consumer Proposal | Informal Proposal | Bankruptcy | Credit Counsellors | Consolidation Loan | |
|---|---|---|---|---|---|
| Protects me from all my unsecured creditors |  |
 |
|
|
|
| Avoids having to sell my house to release any equity | |
|
|
|
|
| Stops interest from continuing to build | |
|
|
|
|
| Creditors are obliged to write off debt | |
|
|
|
|
| Creditors are forced to participate based on the Bankruptcy and Insolvency Act | |
|
|
|
|
| The arrangement runs for a fixed period, until settled | |
|
|
|
|
| Creditors will no longer pursue my case, until settled | |
|
|
|
|
| It avoids the stigma of bankruptcy | |
|
|
|
|
| My problem is kept private | |
|
|
|
|
| You only pay back a portion of your debt | |
|
|
|
|
4 Pillars explained all of our options to us in a way that was easy to understand. Thanks to their expertise and knowledge, the process of restructuring our debt was easy.
Cathy & Jim T., Mill Worker
We found the experience very relaxed, informative and the process explained fully. All the assistance provided goes beyond expectations. You can not improve on a service that goes above and beyond.
Chris B., Police Officer