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.
We help families and businesses in Surrey BC find their way out of debt. Whether you are considering debt consolidation, wondering about bankruptcy, or thinking about a consumer proposal, we will show you the way.
Our personalized approach covers the full range of services, including debt restructuring, consolidation options, budgeting and credit rebuilding.
As part of our Clients for Life™ aftercare, you get tools and support to stay out of debt and reach your financial goals. Our Surrey team will help you find the right debt relief option for you, without judgment or blame.
Surrey keeps growing, and household budgets feel it. From Whalley and City Centre to Guildford, Fleetwood, Newton, Cloverdale, South Surrey and White Rock, families are juggling mortgages or rising rents, long commutes on Highway 1, the Pattullo or the SkyTrain, and the cost of supporting extended family. Many work in trucking and logistics around Port Kells and Campbell Heights, in health care at Surrey Memorial, in construction, or in their own small businesses; others are students at KPU or SFU Surrey. 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.
If you can afford 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, 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 few assets. Only a Licensed Insolvency Trustee can file it, and B.C. law decides which assets you keep. We’ll walk you through what it would mean for you before you meet a trustee. Learn about bankruptcy.
A consolidation loan can roll several payments into one if your credit is still good, but it doesn’t reduce what you owe. 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.
Nearby? See our Langley, Burnaby and Richmond pages.
If your truck has a loan against it, keeping it depends on keeping up those payments. B.C. law also protects some tools of your trade. If you’re a sole proprietor, your business debts are generally your personal debts and may be included in a consumer proposal. A trustee will confirm the details.
Generally, yes. Once a trustee files your proposal, CRA and most other unsecured creditors have to stop collection, including garnishments, on the debts included in it.
Yes. Your first one-hour consultation is free and confidential. If you decide to work with us, we’ll explain what our services cost before you commit.
Yes. Call 250-410-3963 or use the form on this page to book your free consultation.
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