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.

Get started with a FREE consultation from one of our debt help professionals today!

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.

4 Pillars Kitchener

  • Scott Patton

  • 675 Queen Street South, Suite 244
    Kitchener, ON
    N2M 1A1
  • 519-502-9227
  • scottp@4pillars.ca
Book your appointment

4 Pillars Kitchener

Scott Patton, Kitchener Debt Relief and Restructuring Specialist.


If you are searching for options for debt relief in Kitchener and the surrounding area, I can help. Since 2009, I have helped over 600+ residents of Kitchener; families and small businesses reduce their overall debt, keep their assets, and avoid bankruptcy.

You may feel overwhelmed, stressed out, or even hopeless. These feelings are normal when experiencing financial difficulties. Please read the stories below from actual Kitchener residents, so you can see how things can get better with 4 Pillars Consulting working on your behalf.

Helping Kitchener Families and Businesses Get Out of Debt

The first step to getting out of debt is knowing and understanding what options you have for dealing with your debt and the impact that each option will have on you and your family. 4 Pillars is uniquely qualified to help explain these options to you because we work on your behalf.

We've helped Kitchener families and businesses reduce their debt with these services:

  • Professional and Confidential consultation
  • Debt Restructuring Assessment
  • Budgeting
  • Asset Protection and Refinancing Recommendations
  • Credit Restoration
  • Consolidation Loans

You can read reviews from the clients we have helped below. But what you need to understand is that there are alternatives to bankruptcy.

We will work closely with you so that a payment arrangement can be made that fits within your budget and provides an option to avoid personal bankruptcy.

We are on your side and will guide you to the best solution and help you put these difficult financial times behind you.

How We Helped a Recent Kitchener Client Reduce His Debt by $29,000

A few months ago I was referred to a Kitchener resident who was in a dire predicament. This individual was being harassed by debt collectors looking for payment on his two outstanding debts. He also had a first and second mortgage that were at very high rates due to his poor credit history. The mortgage broker that referred him informed me that if he was not able to have these debts reported as settled on his bureau within a month, that he would have to renew his mortgages at the current rates as opposed to getting a new 1st mortgage at the much lower rates than most individuals were enjoying in today's economy.

I went right to work and was able to coach the client to obtain settlement offers within 2 weeks, saving him in excess of $29,000 allowing him to now obtain the much lower mortgage rate, saving him hundreds of dollars each month in cash flow as well.

How Our Debt Elimination Process Works

You are stressed out, not sleeping, struggling to maintain payments each month. You need your life to change. You can call, email, or fill out an online assessment. I will call you directly, within 24 hours, so that you can tell me about your situation. I will set up a time that is suitable for you to attend your Free Consultation at my office so that we can discuss all of your options and answer your questions.

During our consultation, I can answer common questions such as:

  • Is debt consolidation the right path for you?
  • What are the pros and cons of debt consolidation versus other debt repayment options?
  • How exactly does debt consolidation work?
  • Should you consolidate credit card debt?
  • The affect of different debt options on your mortgage and credit rating

Once we decide what your best course of action should be, we will develop a unique detailed plan outlining what steps need to be taken over the next several weeks. During this time you would be gathering the necessary information, we will be working together to analyze your budget and preparing the new payment arrangement to present to your creditors via a trustee in bankruptcy.

Once the creditors have agreed to your new payment arrangement, then we start to initiate your credit rebuilding plan which would start by analyzing your credit report and providing access to proven products designed to help to rebuild credit.

About 4 Pillars Debt Reduction Plans

Once the creditors have agreed to your new payment arrangement, then we start to initiate your credit rebuilding plan which would start by analyzing your credit report and providing access to proven products designed to help to rebuild credit.

Our debt restructuring, credit rebuilding, and budgeting services provide our clients with the ability to move forward with their financial goals with a higher success rate than other companies in the debt industry.

My Kitchener Office

My office location is: 675 Queen Street S, 2nd Floor, Suite 244 Kitchener, ON N2M 1A1 (Free Parking).

Call today to book a free one hour consultation in my Kitchener office or in your home.

Here is some of our local listings:

Facebook Page: Facebook Page

Google + Business Page: Google + Business Page

Google + Personal Page: Google + Personal Page

Here is our BBB rating: BBB Listing

Found Locally: www.kitchener.foundlocally.com

LinkedIn 4 Pillars Consulting Kitchener Profile: LinkedIn Profile

Yelp Listing: Yelp Listing

411 Listing: 411 Listing

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.
Join Our Debt Boot Camp

Learn debt strategies, advice and tips delivered right to your inbox

Proudly serving the Kitchener area.

New Dundee
New Hamburg
St. Clements
St. Jacobs

Speak to an expert in confidence.

We'd love to hear from you.

Leave Feedback

Contact your local 4 Pillars office if you have questions or would like to leave a comment about your 4 Pillars service.