We will guide you through the process, explain the different options available to you, and help you choose the best strategy for your situation.

We specialize in assisting individuals and businesses that are experiencing a financial crisis. We act as your advocate when structuring a new repayment schedule on your behalf and helping you save thousands in the process.

1. We have helped clients achieve debt reductions averaging 20% of original debts owed
2. We help consolidate your debts into an affordable payment plan that meets your budget
3. We have helped structure payment plans with as low as 0% interest and periods ranging from 12 – 60 months
4. We can help you achieve a credit score of 650+ within 18 – 24 months
5. We create strategies to assist with all types of unsecured debt such as credit cards, lines of credit, personal loans, CRA assessments, mortgage shortfalls, collections, student loans, and medical service plans

Our process begins by scheduling a confidential consultation with you in our office.

During your consultation we will gather information about you, your overall financial position, and your short term and long term goals so that we can build a comprehensive profile of your needs. This is also an opportunity for you to learn more about us and our products and services.

The next step is to review all of the different options available to you as a debtor so that you can make an informed decision.

Once we have determined the best option for you, we will help create a financial restructuring plan tailored to meet your unique needs. This includes a custom budget, debt settlement strategy, credit rebuilding plan and access to our financial literacy program.

Start a budgeting program

Our budgeting program is a customized approach that helps you gain control of how you spend. We give you the tools to analyze your spending, and the guidelines to help you stick to your budget. We will conduct quarterly reviews to help measure your progress and keep you on track.

Settle your debts

Our debt settlement strategies are designed to significantly reduce your debt based on your situation and budget. We work hard to save you as much of your money as possible and go the extra mile to ensure that the settlement meets your expectations.

Rebuild your credit

Our proprietary Credit Rebuilding Plan follows a step-by-step process to raise your credit score to meet most banking requirements for loans at the lowest bank rates. Depending on your situation and goals, we will work with you to help you obtain the financing you need, whether it is an auto loan or a mortgage.

Improve your financial literacy

Our financial literacy program provides clients with the tools for understanding where they stand financially and education for implementing new skills to improve their finances.

Build a stronger financial future

Our work is never done. Once we have successfully settled your debt and helped you re-establish your credit, we will continue to provide ongoing support to ensure your lasting success. Building strong relationships is the cornerstone of our business.

As one of Canada’s largest debt restructuring, budgeting and credit rebuilding companies, 4 Pillars is committed to getting Canadians out of debt. We’ve seen every conceivable debt situation and have witnessed firsthand the impact debt has on people’s lives. We’re here to help you do something about your debt. We are experienced debt relief specialists that will listen, ask the important questions and get to work on building a plan that will help you put the enormous burden of debt behind you.

Since 1998, 4 Pillars has helped thousands of Canadians become debt-free with settlements averaging 20% of original debts owed. To date, we have assisted our clients in settling nearly $1 billion in consumer debt.

Our office is located at:
8465 Harvard Pl #12
Chilliwack, BC V2P7Z5
Telephone: 604-587-5577

Call today to book your free one hour consultation at our office.