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We’ve been Canada’s financial wellness leaders since 2002

Find the best solution for you

4 Pillars helps Canadians understand their debt relief options and find a solution that fits their financial situation. From consumer proposals and bankruptcy to debt consolidation and other options, we provide guidance and support from your first consultation through to financial recovery.
Why 4 Pillars

The 4 Pillars Difference

There’s no cost to find out where you stand. Here are three reasons Canadians call us before they call anyone else.

Free Consultations

We offer your first consultation completely free. If a plan makes sense, we’re transparent with the cost before you agree to anything.

Finding You To The Ideal Path

During the financial assessment we educate you on every option to get out of debt, then review them all against your short and long term financial goals.

By Your Side At Each Step

Once you have chosen your debt relief solution, we will help you prepare and implement the plan to ensure no surprises along the way.

Debt Relief Options

Your Needs are Unique and So is Your Solution, We Will Educate You on All Available Options, Including:

Consumer Proposals

Legally reduce unsecured debt and stop creditor action with one affordable monthly payment.

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Bankruptcy

Eliminate overwhelming debt and get a structured fresh financial start with licensed guidance.

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Corporate Restructuring

Restructure business debt, negotiate with creditors, and stabilize your company’s financial future.

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Aftercare

Ongoing support and financial education to help you stay debt-free long term.

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Debt shouldn't take over your life. We educate you on all available options to relieve the immediate financial stress and help implement a debt repayment strategy that works for you, not the creditors, often only paying back a fraction of what is owed.

How It Works

Our 3-Step Process from Crisis to Stability

We understand that everyone’s financial status and situation is unique, so we help you create and implement a unique plan . From here, we work with you along the way to enable you to repair your credit, improve your financial situation, and build wealth.

Common Questions

Frequently Asked Questions

Questions about 4 Pillars or how our process works? Here are answers to the most common ones.

What does 4 Pillars cost?

Your first consultation is free, with no obligation. If you decide to work with us, you’ll have our fee in writing before you commit to anything. 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, and other factors. Learn More

Will the collection calls stop?

Once a proposal or bankruptcy is filed, creditors are legally required to stop contacting you, stop wage garnishments, and stop legal action. For a lot of our clients, that’s the first quiet week they’ve had in a long time.

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 debt at less than 100 cents on the dollar, it will harm your credit rating. 4 Pillars has one of the most comprehensive credit rebuilding programs in Canada, helping you minimize the impact of debt restructuring on your credit rating. Learn More

Can I keep any credit cards?

This largely depends on the type of restructuring used. If you file a Bankruptcy, you cannot obtain or have any credit during this process. In other restructuring options, you can keep the credit card if it has a zero balance. Learn 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. Learn More

Are 4 Pillars services private?

Your consultation is private, and your employer isn’t notified. If you go on to file a consumer proposal or bankruptcy, that filing is recorded in a federal database. We’ll walk you through exactly who can see what before you sign anything.

How much debt do I need before it’s worth calling?

There’s no minimum. What matters is whether the payments still fit in your life. If you’re making minimums and the balance isn’t moving, or you’re borrowing to cover borrowing, it’s worth a conversation.

How long until I get my credit rating back?

4 Pillars has one of the most comprehensive credit rebuilding programs in Canada. It is a proven and effective strategy for rebuilding a strong credit score. This program is free to all previous 4 Pillars clients and is highly recommended. On average, it takes between 1 and 3 years to reach a score of 650 or higher. Learn More

Ready To Put Your Debt Behind You?

Book your free consultation. Your local office will be in touch with you promptly.

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