We help to reduce your debt by up to 80% and get you back on track. Up to 97% of families successfully complete the plans we create and become debt free.
Your credit card debt is overwhelming. Your business is struggling. Your job is hanging by a thread, and collection companies are looming. You are unsure of what your financial future holds. You are not alone. Our Quebec City team is here to help you understand your options and move toward a brighter financial future.
From Saint-Roch, Saint-Sauveur and Limoilou to Sainte-Foy, Sillery, Charlesbourg, Beauport, Lebourgneuf and Cap-Rouge, Quebec City households are feeling higher rents, mortgage renewals and grocery bills. Many people we hear from work in the public service, health care, insurance and financial services, tourism around Old Québec, or at CFB Valcartier, and others are students at Université Laval. A change in hours, a separation or a few months of using credit to cover the basics can quickly turn into debt that’s hard to manage. We start with your real numbers, then explain which options fit, from a tighter budget and money coaching and a debt management plan to a formal solution through a Licensed Insolvency Trustee. See all of our services.
According to the Office of the Superintendent of Bankruptcy, the Capitale-Nationale economic region recorded 2,778 consumer insolvencies in 2025, down 3.2% from 2024. About 69% of them (1,909) were consumer proposals, and 869 were bankruptcies.
When your income can cover a steady monthly payment but not your full unsecured balances, a consumer proposal lets you offer creditors part of what you owe over up to five years, interest-free, and you generally keep your assets. Only a Licensed Insolvency Trustee can file it, and your creditors vote on it. 4 Pillars is not a trustee. We help you prepare and connect you with one. How a consumer proposal works.
For someone with limited income and few assets, bankruptcy may be the more realistic route. Only a Licensed Insolvency Trustee can file it, and Quebec law decides which property is protected from seizure. We’ll explain what it would mean for you before you meet a trustee. Learn about bankruptcy.
A consolidation loan from your bank or caisse can combine several payments into one if your credit still qualifies, but you’ll still repay the full balance. Refinancing your home moves unsecured debt onto your property, so compare options for homeowners first. Once your debt is under control, we help with credit rebuilding.
Elsewhere in Quebec? See our Montreal page.
With a court judgment, a creditor can seize part of your wages. Filing a consumer proposal generally stops seizures by the unsecured creditors included in it, and Quebec’s voluntary deposit procedure is another way to deal with wage seizures. We’ll help you compare your options.
Generally, yes. Personal income tax owed to Revenu Québec and to CRA is usually an unsecured debt that can be included in a consumer proposal or bankruptcy. A trustee will confirm the details, and your returns will need to be up to date.
Yes. Call 250-410-3963 or use the form on this page to book your free consultation.
About 69% of the 2,778 consumer insolvencies in the Capitale-Nationale economic region in 2025 were consumer proposals.
To set up your free consultation, call 250-410-3963. We can meet by phone or by video conference.
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