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4 Pillars

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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 Oshawa

  • David Heysel

  • 172 King Street East Suite 106
    Oshawa, ON
    L1H 1B7
  • 647-388-5776
  • durham@4pillars.ca
This office has '.25.'+ outstanding customer service reviews.

4 Pillars Oshawa

David Heysel, Debt Consultant

Debt Restructuring Oshawa

David Heysel helps Oshawa, Whitby, Pickering-Ajax and Clarington families as well as local businesses create debt restructuring plans, rebuild their credit, and develop a plan to get out of debt.

David has been a debt consultant with 4 Pillars since 2020. Prior to that he spent 8 years in the finance industry with a focus on helping Canadian families rebuild their credit.

In that time David has seen virtually every conceivable situation and used his extensive experience to create effective debt restructuring plans for debts ranging from $10,000 to more than $100,000. As a debt consultant, David has continued to expand his areas of expertise which now include credit rebuilding and budgeting services.

I have lived in Pickering since 2016 and Ontario since 2009. In that time, I have come to believe that Pickering is one of the best places on Earth to raise a family. I enjoy hiking and camping with my family and am grateful that Pickering is just a few kilometers to some trails with beautiful scenery and challenging terrain. I do have to admit to a preference for the downhills. I feel very fortunate to have operated my home office here since I started with 4 Pillars. In those years I have been fortunate to have helped so many families and individuals in Durham region deal with their debt and get their lives back on track. I still operate my home office which offers a private and professional atmosphere to meet with my clients. Despite 4 Pillars national presence we have always felt it is very important to have a strong connection with the local community and what better way than living right in the middle of it.

4 Pillars can put you on track to achieve your financial goals. We can help you with budgeting strategies, money coaching and debt elimination and then guide you through the steps to rebuild your credit. Let us help you through your challenging times.

This office has '.25.'+ outstanding customer service reviews.
My Oshawa office

To ensure his clients are comfortable and confident David provides a professional and private office environment. He works by appointment and is, therefore, able to meet after hours and even on weekends.

Here are a few of my business links:

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Oshawa debt restructuring services

David offers a variety of debt restructuring options to get you out of debt.

These credit and debt counseling services include:

  1. Consumer proposal preparation
  2. Bankruptcy preparation
  3. Budgeting and credit rebuilding services
  4. Complete guidance on your alternatives to bankruptcy

If you're considering, or have already been turned down for debt consolidation or a mortgage refinance to deal with your debt then contact David to explore your options.

Every new client gets a free 1-hour consultation. Please call 905-243-8765 to schedule your consultation.

Why use a debt consultant?

The benefit of being a debt consultant in the 4 Pillars system allows David to access unique credit tools to assist his clients in rebuilding their credit and/or reducing the debt.

David has a successful history as the owner/entrepreneur of a number of businesses. It is this experience which he draws upon to help business owners struggling with their debt. It has also enabled him to forge relationships within the Durham Region to draw upon for the benefit of his clients. His experience in working with people has also honed his ability to relate to a client's situation and handle it with compassion and understanding.

Your options for getting out of debt

There are various options available to deal with your debt including formal consumer proposals and bankruptcy. David is fully qualified to help you with the restructuring preparation and careful selection of the trustee to file your consumer proposal or bankruptcy. With his expertise, he can make sure the process goes as smoothly as possible and fully represent you and NOT the creditors. It is always recommended to get advice from someone who is truly representing your best interests prior to filing a consumer proposal and bankruptcy. This will help ensure that you pay the minimum amount possible in resolving your debt and fully understand how the process works.

How debt restructuring works

Upon contacting David he will do an initial assessment over the phone to give you an idea of how he can deal with your debt. If you feel his solution will work for you then you will meet him face to face to review your debt options in more detail. At that point, if you decide to move forward he will begin assisting you with your debt restructuring strategy and budgeting process. If you are doing a consumer proposal or bankruptcy, David will make all of the arrangements for the formal filing of that process including selecting the trustee to administer the proposal as well. Due to his close relationship with you, he can focus these sessions on the area you need the most assistance with be it budgeting or credit rebuilding.

Helping Whitby, Oshawa and Clarington families and businesses get out of debt

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