Canadian families choose
4 Pillars to help them find solutions to deal with $100,000,000's of consumer debt every day.

We help 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.
  • Our clients have been able to eliminate 80 percent of their debt.
  • Our plans are 100% legal and have helped thousands of families and individuals.
  • We support local financial literacy initiatives and offer education to families in debt.
  • We have 60+ offices coast to coast, offering national strength and local support.

Learn How We HelpGet Started

Here's how it works.

1

We outline a plan

The goal is to get you out of debt as soon as possible, get you into a payment plan you can easily afford to remove the stress, and protect your assets. After reviewing your current financial situation, we outline a personalized plan to meet the immediate short-term needs of dealing with your debt that fits your long-term financial goals. Our fees cover you right through the program, from solving your current financial challenges to successfully rebuilding your credit and everything in between.

2

We consolidate your debt

Our role is to represent you, the debtor, and structure a new affordable payment plan to deal with your debt, either through a comprehensive budgeting program or if required through a bankruptcy trustee. The trustee is an officer of the court who acts on behalf of the creditors in a fiduciary capacity. So it's imperative that you obtain your own representation in any major decision. If structured correctly, the proposal will usually repay a portion of what you owe, and its common for our clients to eliminate 80 per cent of their debt. Creditors generally prefer this to you going bankrupt, which usually sees them get nothing.

3

We help you reestablish your credit rating

Budgeting and credit rebuilding are the cornerstones of any successful plan to deal with debt and once you have the new proposal in place, those will be the next things we tackle with you. We have some of the BEST consultants in the industry to help you understand your credit report and the importance of maintaining a strong credit profile, understand how to effectively manage credit and keep you out of debt for good.

4

Here is how it all fits together

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Imagine a debt-free future.

Debt can be a symptom of any number of problems and life circumstances: a struggling or failed business, reduction in working hours, a drop in sales commission, divorce or separation, injury or illness, or simply previous poor financial decision making and bad advice coming home to roost.

It's important to understand that you are not your debt. Like millions of Canadians, you have a debt issue. But with timely counselling, a solid debt restructuring plan, plus immediate credit rebuilding, you can move on from your debt, wiser, financially solid and fortified against ever going into debt again.

"You have taken us from the verge of financial ruin and put us on the path of financial independence."

Actual client testimonial. Name removed to protect privacy.

Speak to an expert in confidence.

Common Questions

How much will it cost to work with 4 Pillars?

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

Will debt restructuring affect my credit rating?

Different restructuring options have different effects on your credit rating. As a general rule any time you settle your debts at less than 100 cents on the ... Read More

Can I keep any credit cards?

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

What is debt restructuring?

Debt restructuring is the best solution for resolving your financial problems in the event that you are unable to pay your bills. Working for you ... Read More

Question Topics


"Legal Line is a Federal not-for-profit organization providing access to the laws under which we are governed. Our answers empower Canadians by giving them the information they need to make informed decisions that impact everyday life." -Legalline.ca

Debt shouldn't take over your life. We get
your creditors off your back and restructure
your debt so you only pay a fraction.

"The stress and worries are over. We are living again."

Actual client testimonial. Name removed to protect privacy.

We're across Canada.

We have over 60 locations across Canada. For over ten years
we've helped Canadians deal with unmanageable debt and get a
second chance at their financial lives.
We only operate in Canada. We know the rules, we know the unique
and complex legislation of the Bankruptcy and Insolvency Act
as well as the other options available in each province.
Barring extraordinary circumstances, we will reduce your debt to a
fraction of what you currently owe. We have a 95% success rate
doing just that.

Get Started.

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