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.
Regina Financial Wellness Specialists
4 Pillars started in 2002 to help Canadians deal with overwhelming debt. A lot has changed since then, but our focus on helping people make informed decisions has not.
We work for you, not your creditors (the people you owe money to). If you’re comparing debt professionals in Regina, here’s what to check:
From Harbour Landing, Lakeview and the Cathedral area to Normanview, Whitmore Park, Uplands and out to White City and Pilot Butte, Regina households have felt rising costs for groceries, rent and mortgage renewals. Many work for the province or a Crown corporation, at the refinery, in agriculture or at the University of Regina and Sask Polytech, and a change in hours or a separation can quickly make debt hard to manage. 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. Your first consultation is free and confidential. See all of our services.
If you can afford a regular 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 option if your income is limited and you have few assets. Only a Licensed Insolvency Trustee can file it, and Saskatchewan law decides which assets you keep. We’ll explain what it would mean for you before you meet a trustee. Learn about bankruptcy.
If your credit is still good, a consolidation loan from your bank or credit union can replace several payments with one, though 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.
Elsewhere on the prairies? See our Saskatoon and Winnipeg pages.
No. Your mortgage is a secured debt and isn’t reduced in a consumer proposal. But lowering what you pay on credit cards and other unsecured debts can free up money to catch up, and it’s worth talking to your lender early.
It can show up if a landlord checks your credit. A record of on-time rent, steady income and good references often matters more, and we’ll help you rebuild your credit along the way.
Yes. Call 250-410-3963 or use the form on this page to book your free consultation.
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