• Christine Wagner &
    Paula Ryan

  • 100 Brookfield Road, Suite 2
    St John's, NL
    A1E 3T9
  • 709-700-5509
  • nl@4pillars.ca

Christine Wagner & Paula Ryan

Your 4 Pillars Debt Specialist in St. John's

Why Christine and Paula are the right Debt Specialists for you.

Christine Wagner and Paula Ryan have combined their experience to help you through your debt crisis with compassion, understanding, and dedication. As home grown Newfoundlanders 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. Together Christine and Paula will work to find you the best debt relief options for your situation and they will do it without judgement.

The 4 Pillars St.John's Team

  • 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

Paula Ryan is a busy mother of two active teens. Though her background is medicine and academia, Paula's true motivation is making a difference in people's lives. For 15 years Paula worked in Cancer Research and she is now taking her detail oriented, organizational skills and applying them to getting her clients out of debt and teaching them how to stay debt free.

Christine Wagner is a mother and volunteer whose experiences in retail and working in her family's business have given her a unique view into the world of debt. Having watched friends struggle with debt she wanted to help. So she educated herself on debt management and personal financial planning, and with the support of 4 Pillars Debt Solutions she is eager to help others who struggle under the weight of their debt.

With the support of 4 Pillars, Christine and Paula are two Debt Specialists with a unique perspective into your own debt and they are ready to help you reverse your financial situation with compassion, respect and confidence. Whether you are looking for Debt Restructuring, Debt Settlement, Financial Consultation or Budgeting, Paula Ryan and Christine Wagner of 4 Pillars St. John's are there for you.

How Christine and Paula can reduce YOUR debt.

As your 4 Pillars Debt Specialists, Christine Wagner and Paula Ryan can help reduce your debt by up to 80%, often eliminating that debt within 5 years. Christine and Paula work for you, not your creditors, so you are assured your best interest is their priority. After your initial consultation, which is free, Christine and Paula 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, Paula and Christine 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. Paula and Christine 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. Paula and Christine 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: 100 Brookfield Road St. John's, Newfoundland Local Tel: (709) 700-5509. If you prefer to call 4 Pillars toll free #: 1-888-229-3252

Check us out at some of our following locations:

Here is my BBB Listing: BBB Page

4 Pillars St. John's Internet sites:

Facebook: https://www.facebook.com/4pillarsNL/

Yelp: https://www.yelp.ca/biz/4-pillars-newfoundland-st-johns

Here is the St. John's Google + Profile Page: Google + Profile

Here is the St. John's Bing Profile Page: Bing Profile

Here is the St. John's Yellow Page Profile Page: Yellow Page Profile

  • Christine Wagner &
    Paula Ryan

  • 100 Brookfield Road, Suite 2
    St John's, NL
    A1E 3T9
  • 709-700-5509
  • nl@4pillars.ca

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