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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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free debt consultation

4 Pillars St. Johns

  • Shawn Frank

  • 620 nine Mile Drive
    Bedford, NL
    B4A OH4
  • 709 700 0095
  • halifax@4pillars.ca

4 Pillars St. Johns

Shawn Frank

Your 4 Pillars Debt Specialist in St. John's

Why Shawn and Elisa is the right Debt Specialists for you.

Shawn Frank and Elisa Fremeth have helped thousands with compassion, understanding, and dedication. They understand the economic struggles faced by their friends and neighbours, and they are committed to help eliminate the pressures of debt and the negative impact it has on your life. Shawn and Elisa will work to find you the best debt relief options for your situation.

  • Professional debt, credit and budgeting consulting
  • Debt restructuring plans
  • Individual and family budgets reviews
  • After care prograam and credit rebuilding

About 4 Pillars St. John's

Shawn is no stranger to the world of finance. He’s seen it all as the owner of several successful businesses ranging from real estate to financial investing. Elisa brings her years of experience working with special needs children and young adults, as well as the elderly. S he’s also an avid community volunteer who does fundraising for local hospitals. Together, this dynamic duo has the compassion, respect, and combined skill sets to help you eliminate your debt and rebuild your future.

How Shawn and Elisa can reduce YOUR debt.

As your 4 Pillars Debt Specialist, Shawn and Elisa can help reduce your debt by up to 80%, often eliminating that debt within 5 years. They works for you, not your creditors, so you are assured your best interest is their priority. After your initial consultation, which is free, they will create a plan to eliminate your debt; offering options you may not have thought possible. They will work with you to create a manageable budget and rebuild your credit. With debt restructuring programs, consolidation, and settlement programs available, they will find the solution that works best for your situation.

DEBT is the number one reason marriages fail, businesses go bankrupt and Canadians live with an overwhelming amount of stress and anxiety. 4 Pillars was created in 2002 with one goal in mind, to represent their clients with compassion, understanding and respect, while helping to reduce, even eliminate their debt. Using their expertise in the industry and educating their clients throughout the whole process, the 4 Pillars Model is one to be envied. With 97% of their clients successfully completing their debt restructuring plans, a 4 Pillars client can look forward to a debt free future and all of the peace of mind that entails.

4 Pillars’ relationship with their clients doesn't end once their debt is reduced. They work with their clients, educating them while helping to rebuild their credit. So when their clients are ready to re-enter the world of credit they do so armed with knowledge and the confidence to avoid future debt as well as the ability to spot a predatory creditor who will take advantage of them.


Case Study: Robert’s Story

After years of prosperity working in the Alberta Oil Sands, Robert was laid off. He packed up his family and returned to St. John's only to find jobs were scarce and any work he could find, didn't pay enough to handle his bills. Though the family had already downsized and cut back expenses they were still having trouble making payments. With a mortgage, car payments, and $90,000 in credit card debt, Robert and his wife looked at their dwindling savings and knew it was time to make some changes.

The uncertainty of fulltime employment, the stress of moving to a new city, and the added pressure of their mounting debt was putting a serious strained on Robert's marriage. But a beer with a buddy changed all that. Robert's friend suggested he call 4 Pillars St. John's. 4 Pillars not only found a way to cut Roberts debt by $65,000, they were able to consolidate his payments, and rebuild his credit. But the help didn't stop there. 4 Pillars then created a realistic budget that helps Robert and his family save for their future.

St. John's Debt Restructuring Information

The 4 Pillars advantage gives our clients the peace of mind that comes from choosing one of the oldest and largest debt restructuring companies in Canada. Our debt restructuring, credit rebuilding and budgeting services, offered through our Clients For Life™ program, allow us to assist our clients remove the financial barriers they face, and move forward with their financial goals, be that saving for retirement, buying a house or putting their kids through school. No other Canadian company offers such an integrated system for creating financial stability.


Contact Us

Our office address is: 620 nine Mile Dr. Bedford N.S B4A OH4 Local Tel: (709) 700-0095.

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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.

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