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.
From Port Credit and Clarkson to Streetsville, Meadowvale, Erin Mills, Churchill Meadows, Cooksville and Malton, Mississauga households are dealing with high rents, big mortgages and condo fees around City Centre. When debt starts to take over, 4 Pillars helps Mississauga residents understand every option and choose a plan that fits.
Your first consultation is free and confidential. Our team will review your situation, explain the choices available to you and help you decide on a plan suited to your goals. To get started, complete the form on this page or call 250-410-3963.
Many of the people we speak with in Mississauga work at or around Pearson Airport, in warehousing and logistics along the 401 and 410, or in offices near Square One and the Airport Corporate Centre. Shift work, contract roles and long commutes can make income less predictable than it looks on paper. We start with your real numbers, then explain which options fit, from a tighter budget and money coaching and a debt management plan to a formal solution through a Licensed Insolvency Trustee. See all of our services.
If you can manage a regular payment but not your full balances, a consumer proposal lets you offer creditors part of what you owe over up to five years, interest-free, and you generally keep your assets. Only a Licensed Insolvency Trustee can file it, and your creditors vote on whether to accept it. 4 Pillars is not a trustee. We help you prepare and connect you with one. How a consumer proposal works.
Bankruptcy may suit a Mississauga renter with modest income and few assets better than a proposal would. Only a Licensed Insolvency Trustee can file it, and Ontario law decides what you keep. We’ll explain how it would affect your car, savings and credit before you decide. Learn about bankruptcy.
With good credit, a consolidation loan can replace several payments with one, though it doesn’t reduce what you owe. Condo and house owners are often offered a refinance, which moves unsecured debt onto the property, so compare options for homeowners first. Once your debt is under control, we help with credit rebuilding.
Elsewhere in Peel and the GTA? See our Brampton and Toronto pages.
In most cases, yes. Once a trustee files your proposal, most garnishments by unsecured creditors stop. Garnishments for family support are an exception.
Not usually. An unsecured instalment loan can generally be included in a consumer proposal. A title loan is secured by your vehicle, so it’s handled like a car loan, and keeping the car depends on keeping up the payments.
It can. Equity is one of the things a trustee looks at when working out what creditors would accept. In a proposal you generally keep your condo as long as you keep up the mortgage and condo fees.
No. Call 250-410-3963 or use the form on this page to book your free consultation by phone.
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