The debt industry is complex and designed to work in favour of banks, credit card companies, and creditors. We’re changing that.
At 4 Pillars, we use education and our extensive experience to show you the best path out of debt based on your unique financial situation.
We’re not credit counselors or Licensed Insolvency Trustees. We work for you with one single goal; to find the most effective debt solution with the maximum debt reduction to improve your cash flow and rebuild your financial future immediately.
Each situation is different. We could recommend that you consolidate your debt through refinancing. You may decide to file a consumer proposal with a Licensed Insolvency Trustee. There might even be an opportunity for you to deal directly with your creditors to reduce your debt. Either way, 4 Pillars offers guidance, experience, and solutions to solve your debt challenge.
You’ve seen the headlines. Canadians are greatly overextended in debt, a paycheque away from serious trouble, and further at the mercy of the vast financial system that controls most of our lives.
The stakes are high. The game is rigged. And yet, most Canadians know little about how the debt world really works. Even worse, they don’t know that with a little knowledge any Canadian can make the debt system work for them, instead of against them.
Our fees are based on a couple of factors, including the time involved working on your case, the number and type of creditors involved in your case ... Read More
Different restructuring options have different effects on your credit rating. As a general rule any time you settle your debt at less than 100 cents on the ... Read More
This largely depends on the type of restructuring used. If you file a Bankruptcy, then you cannot obtain or have any credit during this process ... Read More
Debt restructuring is the best solution for resolving your financial problems in the event that you are unable to pay your bills. Read More
"The stress and worries are over. We are living again."
Actual client testimonial. Name removed to protect privacy.