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4 Pillars

There is a way out.

Find a debt solution that works for you.

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.

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4 Pillars Lethbridge

4 Pillars Lethbridge

Andrew Miller, Debt Settlement and Restructuring Specialist

If you are researching your options for settling debt, I can help. This page shows you the most common ways to reduce and manage your debt, as well as offers stories from real Lethbridge and Medicine Hat residents I've helped.

Like many people in Canada, I have had some financial challenges and was able to work through them so I truly know what it feels like to have those pressures and that financial difficulties are unlike any other form of difficulty we will face.

There is no greater reward for me when I'm able to help someone else take back their financial life and see the expression of relief on their faces when they realize that someone is able to help them and they don't have to try and tough this out themselves.

I plan on being here for many more years to come and helping a lot more people.

Helping you choose the right debt relief option

At 4 Pillars Lethbridge we work for you, not your creditors. Our job is to help you get out of your financial difficulties as quickly and as painlessly as possible.

We will negotiate with your creditors to get you a greatly reduced settlement on your debts (many times as much as a 70% reduction on your outstanding balance) and put you in to an affordable structured payment plan that will greatly reduce your monthly payment.

How we help you reduce your debt

First, we review your debt relief options

From the first time we talk on the phone you will be able to start to breathe easier. We use this first phone consultation to gather information that will help us to decide what course of action to take based on your specific situation and what your long-term financial goals are.

Everyone's situation is different and there are different avenues that we can utilize to alleviate your pressures.

We can either exchange emails, have a phone call, or you can meet me at our Lethbridge office.

Decide on a debt management plan

Once we have the information we will meet in person after we've had a chance to go over it and discuss what we feel will be the best course to take.

You will be informed of all your options and we will recommend, based on what you've told us, the avenue we feel is right for you, however the choice is totally yours to make.

Once you have decided that you are ready to take control of your finances we will sign an agreement and start work immediately on implementing the plan. At this time you will be asked to gather the information that we need to move forward.

Create a debt settlement proposal

Throughout the whole process we will work with you to resolve any issues that come up and make sure you are comfortable with and understand the actions you need to take. Once we have the information we need we will structure the debt-restructuring proposal to ensure it is done on your terms and affordable to you based on your income and expenses.

We will then work to find the right trustee based on your situation to submit your proposal to the creditors (the trustees role is to represent your creditors, our role is to represent you).

We will then all meet with the Trustee and sign the papers to present your proposal to the creditors. We will walk you thru the whole process and explain what's happening and what you can expect next.

We work for you, not your creditors

After the debt settlement proposal has been filed we will monitor how your proposal is progressing and keep you informed as to any negotiations we have to do on your behalf with your creditors to get the best deal we can for you, our client. We do not work for the creditors we work for you and always have your best interests in mind.

Once we have reached a deal with your creditors and your proposal has been accepted we can immediately work on rebuilding your credit to minimize the impact the proposal will have and we will also begin working on a budget so we can make sure you don't find yourself in this situation again.

We will provide you with the tools and the knowledge to get you set up with the right kinds of credit to get your credit score back to where it needs to be so you can borrow responsibly and get the preferred rates that other people are getting.

About 4 Pillars

4 Pillars Consulting Group is a national Canadian owned and operated company with 50 offices in Canada.

We have the most comprehensive debt restructuring plans in the country, highly qualified debt management professionals and the most effective credit rebuilding plan in Canada.

Last year alone 4 Pillars helped Canadians restructure over $100,000,000.00 worth of consumer debt. We also have small business and corporate restructuring services available.

Our Office

My office location is: Suite 20-226 12A St N Lethbridge, AB T1H 2G3 Tel: 403-892-7444.

Call today to book a free one hour consultation in my office

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"The stress and worries are over. We are living again."
Actual client testimonial. Name removed to protect privacy.

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