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.
From downtown Peterborough, East City and the West End to Lakefield, Millbrook, Norwood, Havelock and across Kawartha Lakes in Lindsay and Bobcaygeon, households here juggle seasonal work, rising rents and the cost of commuting toward the GTA. When debt starts to take over, 4 Pillars helps Peterborough and Kawarthas residents understand every option and choose a plan that fits.
Your first consultation is free and confidential, and it can happen by phone or video.
We hear from health care and manufacturing workers, Trent University and Fleming College students, people whose income depends on cottage-country tourism, and retirees on fixed incomes. When hours drop in the off-season or costs climb, credit cards and lines of credit often fill the gap. 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 Muskoka–Kawarthas economic region recorded 1,286 consumer insolvencies in 2025. About 82% of them (1,050) were consumer proposals, and 236 were bankruptcies.
A consumer proposal can work well if your income covers a steady payment but not your full balances. You offer creditors part of what you owe over up to five years, with no interest, 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.
Bankruptcy may be the more realistic route if your income is low and you have little to protect. Only a Licensed Insolvency Trustee can file it, and Ontario law decides which assets you keep. We’ll go through what it would mean for you before you meet a trustee. Learn about bankruptcy.
With good credit, a consolidation loan can roll several payments into one, but it doesn’t reduce what you owe. Borrowing against your home or cottage 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 eastern Ontario? See our Oshawa and Belleville pages.
A consumer proposal filed by a Licensed Insolvency Trustee generally stops most collection action and lawsuits by unsecured creditors while it’s in place. Before you sign with any company, ask how its fees work and who holds your money.
A second property’s equity is part of what a trustee looks at, and it generally isn’t protected in a bankruptcy. In a consumer proposal you may be able to keep it, but your offer to creditors will need to reflect that equity.
No. Call 250-410-3963 or use the form on this page to book your free consultation by phone or video.
About 82% of the 1,286 consumer insolvencies in the Muskoka–Kawarthas economic region in 2025 were consumer proposals.
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