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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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4 Pillars Brampton

  • Frank Eichinger

  • 57 Mill Street North, Suite 205
    Brampton, ON
    L6X 1S9
  • 647-403-4992
  • franke@4pillars.ca
This office has '.25.'+ outstanding customer service reviews.

4 Pillars Brampton

Debt Consolidation - Brampton

Frank Eichinger, Brampton Debt Restructuring Specialist

Hello - I'm Frank Eichinger, and I specialize in helping individuals and businesses in Brampton create a plan to reduce and eliminate hard to manage debt and Gain Back Control of Their Financial Lives from the credit bureaus, banks, and other institutions that are controlling their income and limiting their future.

At 4 Pillars, our approach's cornerstone is financial education to Empower Our Clients to make the best financial decisions moving forward. With this in mind, all of our clients are offered our unique, extensive financial education program, which is like going to college to learn about all things related to money in Canada. Some of the areas we cover include household budgeting and savings, credit rebuilding, house purchasing, vehicle purchasing, and how to retire with enough money to live on.

If you are reading this page, it means your debt has become hard to manage as we know today, up to 75% of Canadians are making mostly minimum payments on their debt and don't know what to do about it. Over the last seven years, I've represented many families and individuals where you stand now, and they've been able to move forward with improved credit and an enhanced outlook on life since their debilitating debt is now behind them. Once you get rid of your debt and its high compounding interest payments, there are endless possibilities, including purchasing your first home. But if you are drowning in debt, you are stuck in an endless carousel of payments with nowhere to go.

I hope you take a few moments to read this page and learn a bit more about the processes of 4 Pillars' debt restructuring and consolidation services.

Why we Love Brampton and its People

Brampton is a unique multicultural city with a great vibe! We tell people that Brampton is like a hidden gem with great dining, shopping, and green space to enjoy. We've been servicing Brampton families and the business community for seven years with over 1600 clients to date. We feel a deep connection to the community and consider our clients to be like a part of our extended family. We also have fond memories of the games I coached my son's hockey teams out of the Powerade Centre, and my daughter also played for the Brampton Canadettes rep team out of Century Gardens Arena. Our office is located close to the downtown Brampton area in the heritage building known as the Old Shoe Factory. It's a great spot close to the Rose Theatre and the Go/Bus Station, and there's always lots of free parking. If you are struggling with your debt and credit rating, please contact us for a review of your financial goals, and we'll put together a plan to get your financial future back on track.

I provide a variety of debt restructuring programs for Brampton, including:

  1. Helping our clients eliminate up to 85%. Read reviews at the bottom of the page.
  2. Representation and consulting on consumer proposals vs bankruptcy
  3. Credit rebuilding and budgeting services
  4. Asset protection and debt consolidation
  5. Business restructuring and debt refinancing
  6. Mortgage refinancing and debt consolidation advice
  7. Extensive financial education program
This office has '.25.'+ outstanding customer service reviews.
Using the rights of Canadians to reduce your debt

In Canada, every debtor has rights and you rarely have to pay back your full amount. Unfortunately, these options are not widely publicized. Part of my job is to educate you about the different options and terminology.

As a 4 Pillars Debt Consultant, we protect the best interests of our clients when negotiating with trustees. We are experts in the processes that govern credit and the rights of Canadians, and we use this knowledge to get you the best debt settlement deal.

If you have a question about our services and why they're important, or if you simply need some advice, email me for more information or, if you live in the Brampton area, to book your free initial consultation.

How we actually help you get out of debt

If you have a question about our services and why they're important, or if you simply need some advice, email me for more information or, if you live in the Brampton area, to book your free initial consultation.

Upon initial contact, I will provide an assessment over the phone to give you an idea of how I can assist with your debt.

If my process sounds right for you, we can then schedule a meeting at my office or your home to review your situation in more detail. This will allow you to make an informed decision on securing my services.

If you decide to move forward, I will begin implementing a customized Debt Restructuring program, which includes budgeting and credit rebuilding.

If your best option is a Consumer Proposal or Bankruptcy, I will represent you to create and submit an offer to your creditors that best suits your needs and budgetary concerns.

How much debt relief can you expect?

If your best option is a Consumer Proposal or Bankruptcy, I will represent you to create and submit an offer to your creditors that best suits your needs and budgetary concerns.

We evaluate our client's situation and make recommendations that drive down the amount of debt they would otherwise be paying - up to an 85% reduction. Read the reviews below or email for more information about how this all works.

Part of the debt restructuring plan we create for you will include credit rebuilding and budgeting services to ensure our client's lives are back to normal in a short period of time.

Why 4 Pillars is the Best Debt Option for Brampton Debtors

The following text was taken from my blog:

Many people I meet ask the question: "why not just visit a Trustee in Bankruptcy or a Credit Counsellor by myself?"

At 4 Pillars we take the view that when in the debt advisory business, you either act for the creditor or act for the debtor - it's impossible to give good sound advice to both - you simply cannot do it.

Debt Challenges For The Small Business Owner

It seems that more small businesses are popping up all the time, with corporate downsizing and just the general urge to be your own boss, especially in the 35+ crowd.

The idea of running your own business comes with many advantages, for example, no boss to report to. However, many folks aren’t prepared for the reality of owning a business; like collecting and saving for future HST payments along with others tax that is owed to the CRA. I get many calls from small business owners that are drowning in this type of debt, not to mention struggling to keep up with suppliers, utilities and other general expenses.

Many of these businesses are actually showing cash flow projections on the way up, but the burden of carrying CRA debts with their associated penalties is a never-ending dark cloud.

Fortunately, 4 Pillars is very experienced in the area of managing CRA and other business-related debts. Quite often we are able to restructure these debts and reduce them by up to 70%, and we don’t charge huge fees like those associated with most tax lawyers or specialized accountants.

Directions to my Brampton Office

My office location is: 57 Mill Street North, Suite 205 Brampton, Ontario L6X 1S9.

Here are a few of my business links:

Facebook Page: Facebook Profile

Here is my LinkedIn Profile Page: LinkedIn Profile

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

Proudly serving the Brampton area.

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