We believe that Canadians suffer unfairly from the complex language and confusing processes of the debt industry. This works in the favor of creditors, keeping Canadians deep in debt and robbing them of a chance at rebuilding their financial futures.
We use education and our industry expertise to guide Canadians to the solutions that best benefit them—not the solutions that benefit creditors.
4 Pillars has more reviews than any other competitor, with over 3,000 independent, unbiased reviews on TrustPilot. We’ve maintained a 4.9 average out of 5, ranking our services as 5-stars.
In the past, 'debt help' providers have used fear and technical confusion to mask the conflicts of interest that they face. These providers serve the interests of creditors, a fact they openly hide from the average Canadian without knowledge of the debt and credit industry.
Today, consumers demand choice, transparency, and want to make their own decisions, based on online research and peer-to-peer reviews. We are here to support that, remove any uncertainty and help you successfully navigate a confusing and scary process.
We believe consumers must have choice and transparency, to make the right decisions for their own financial futures. They must be presented with all the options available and fully understand the benefits and implications of each solution.
We use an independent review site called TrustPilot to give consumers a clear view into how our services work, the fees we charge, and the outcomes they can expect. TrustPilot is similar to Yelp or Tripadvisor, preventing companies from deleting or bullying clients into giving positive reviews.
We service 51 offices across Canada including offices in Toronto, Vancouver, Ottawa, Calgary, Montreal, Edmonton, Halifax, London, Winnipeg, Fredericton, St. John's, and Victoria, as well as towns and rural areas.
Our offices are part of our national network, giving us national strength as well as local expertise in different rural economies, housing markets, and the diverse situations of Canadians in debt.
Together, we’ve helped over 50,000 families regain financial control and drastically reduce their debt with $300 million of unmanageable consumer debt resolved every year.
4 Pillars also helped to create a community-based financial literacy program called EmpowerU.
EmpowerU offers participants’ financial literacy training with the opportunity to save money and have those funds matched 2:1 by the program. Participants attend a number of sessions covering financial topics such as budgeting, credit, goal setting, fraud prevention, debt reduction and investments.
EmpowerU is delivered through 11 non-profit organizations. The program brings together the financial strength of ATB Financial, United Way, City of Edmonton, The Home Program, EPCOR, Government of Alberta, and 4 Pillars with the research power of Civitas Consulting to better understand how people learn about money and the long-term benefits of financial literacy.
EmpowerU participants’ results:
At 4 Pillars, we’re experts in helping people navigate complex debt situations. We know the debt system, we know Canadians, we know the options and we ensure nothing is overlooked.
We also take a holistic approach to helping you, dealing with debt is only one part of the services, keeping you out of debt is equally as important.
Without ongoing support you are left vulnerable for future financial failure, which is why it pains us to say 13.5% of the clients we help have been bankrupt before. They were not given the support and education they need to stay out of debt and abandoned by a system designed to help them.
The system has failed them.
We help you to not only choose the right option. But also to rebuild your long-term financial stability. The below diagram provides a very simplistic overview of the process we follow.
4 Pillars does not charge a debt advisory fee and you will never be charged an upfront fee for the help you receive finding the most effective solution to deal with your debt.
Our role is an advocate for the debtor, placing their needs first and foremost, focused above all else on finding the most effective solutions to deal with their debt.
Through our network of independent consultants, you will be offered the opportunity to receive extended support and financial rehabilitation services to rebuild your financial future and help ensure you do not face future financial challenges. The Financial Advocacy and Wellness services provide comprehensive credit rebuilding and financial education. Our first step is ensuring you find the most effective way to deal with your debt. Now you can do this without worrying about upfront fees.
Once you find the most appropriate solution for your debt, we will then turn our attention to the most overlooked aspect of most debt solutions – your financial future. Our offices will help you rebuild your life by providing the tools, education and guidance needed to establish a stable financial future. After all, it’s the Canadian thing to do.
Here’s an interactive map and list of our 4 Pillar offices if you’re ready to take the next step. You can also give us your email here and we’ll route you to the closest office.
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"The stress and worries are over. We are living again."
Actual client testimonial. Name removed to protect privacy.