4 Pillars

Join our Debt Boot Camp

Get 10 short email lessons on debt consolidation, consumer proposals, and bankruptcy 101. It's free and written for Canadians. Not your usual advice.


COVID-19 Update: We are here to help during these difficult times. Click here to learn more about the programs available to you and contact us today for a personalized review of your financial options.

Articles - Page 2

The Pending financial Storm

By Paul Murphy

The Pending financial Storm. The COVID-19 pandemic is devastating the Canadian economy and people’s financial stability. The rebuilding of the economy is going to take a long time.  The phased reopening means this is not a quick fix for those whose financial lives have been destroyed.  After the dust settles, the payment deferral programs are […]

How 4 Pillars helped a local ad agency avoid bankruptcy

By Paul Murphy

This post is written by 4 Pillars’ managing partner and financial literacy expert Paul Murphy. Paul has 20+ years of experience in the banking and financial service industry.  Ryan, age 50, (name changed for privacy) ran a successful ad agency in a medium-sized Canadian city. Despite being a respected local business owner, his company began […]

4 Pillars’ Paul Murphy Wrote a Book! Beating the Debt Game

By Paul Murphy

This post is written by 4 Pillars’ managing partner and financial literacy expert Paul Murphy. Paul has 20+ years of experience in the banking and financial service industry.  I’m happy to report that my book, Beating the Debt Game, is complete!  Thank you to all the readers that have emailed me over the years, sharing […]

Debt Help: Not Everyone is an Expert

By Elisa Fremeth

Debt Help: Not Everyone is an Expert                         “Beware of False Knowledge; it is more dangerous than ignorance.” George Bernard Shaw The road to hell is paved with good intentions When you live with a lot of debt, sometimes you ask for help from friends and family. A small loan to cover expenses, help […]


Book your free consultation.

Your local office will be in touch with you promptly.

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