How we help.

We listen, ask the important questions and build a plan to put the burden of debt behind you.

Learn More or Get Started

Debt Restructuring

4 Pillars consultants offer a variety of services specific to people in debt. We’ll outline the options available to you and walk you through the process. Your debt solution will likely be one of the following, which we will manage on your behalf:

Consumer Proposals

A viable restructuring option for over 45,000 Canadians a year, a Consumer Proposal allows the consumer to seek legal protection from their creditors and pay back only a portion of what is owed.

Learn more about consumer proposals...


Seeking bankruptcy protection is occasionally the only option. We’ll help you through it, and show you how to avoid it ever happening again.

The 4 Pillars promise is helping you get out of debt today but never being a client again with our Clients for Life® full circle opportunities.

Learn more about bankruptcies...

Find the relief you deserve.

After Care

Once you’re out of debt, our customized after care plan will get your credit headed back in the right direction.

There is no magic bullet to credit rebuilding. Many consumers don't realize that credit is an important part of accumulating wealth in Canada. Credit is easily damaged but it can take years to repair without the right information, tools and a clear path to creating a strong credit score.

The goal of every after care program is to reach a score of 650 or higher and qualify for a CMHC approved mortgage.

Learn more about our after care programs including credit rebuilding...

Speak to an expert in confidence.

Corporate Expertise

Businesses are just as challenged as individuals. Our sister company, Corporate Transition Group gives you practical and specific advice to get your business healthier.

Learn more about corporate restructuring...

"Working with 4 Pillars Consulting gave my family a 2nd chance at a new life."

Actual client testimonial. Name removed to protect privacy.