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.
Our Ottawa team helps individuals and families who are dealing with financial stress. Services include:
From Centretown, the Glebe and Westboro to Kanata, Barrhaven, Orléans, Nepean and Riverside South, Ottawa households deal with rising rents and mortgages, long commutes and incomes that can change with a job posting, a contract or a return-to-office decision. When debt starts to take over, 4 Pillars helps Ottawa residents understand every option and choose a plan that fits.
Your first consultation is free and confidential, and you can meet in person, by phone or by video.
We hear from public servants and contractors, Kanata tech workers, military families, hospital staff, and students and recent grads from uOttawa, Carleton and Algonquin College. Many are carrying credit cards and lines of credit alongside a mortgage or high rent. 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.
According to the Office of the Superintendent of Bankruptcy, the Ottawa economic region recorded 4,219 consumer insolvencies in 2025, up 1.3% from 2024. Consumer proposals made up 3,234 of them, and bankruptcies rose 21.5% to 985.
If your income supports a regular payment but your unsecured debts are more than you can repay in full, a consumer proposal is often the first formal option to compare. You offer creditors part of what you owe over up to five years, with no interest, and you generally keep your assets. Only a Licensed Insolvency Trustee can file it, and your creditors vote on it. 4 Pillars is not a trustee. We help you prepare and connect you with one. How a consumer proposal works.
Bankruptcy may be the better fit if your income is limited and you have few assets. Only a Licensed Insolvency Trustee can file it, and Ontario law decides which assets you keep. We’ll go through what it would mean for you before you meet a trustee. Learn about bankruptcy.
If your credit is still strong, a consolidation loan can combine several payments into one, though it doesn’t reduce what you owe. Homeowners can compare options for homeowners before refinancing, which would move unsecured debt onto their home. Once your debt is under control, we help with credit rebuilding.
Elsewhere in eastern Ontario? See our Kingston and Peterborough pages.
Unpaid condo fees can become a lien on your unit, so they’re usually treated like a secured debt rather than reduced. Dealing with your unsecured debts can free up money to catch up on them.
In a consumer proposal you usually keep future tax refunds, unless your proposal says otherwise. In a bankruptcy, refunds for the year you file and earlier years generally go to the trustee for your creditors. A trustee will confirm what applies to you.
Yes. You can meet with us by phone or video. Call 250-410-3963 or use the form on this page to book your free consultation.
Yes. Bankruptcies in the Ottawa economic region rose 21.5% in 2025, to 985, although consumer proposals still made up most filings.
A mutual friend of ours thought 4 Pillars would be great for you! Sign up below to learn about Debt Education, Credit Building, Financial Management & More!
Disclaimer: If you are a WFG Agent please submit your referrals using this page.
Contact your local 4 Pillars office if you have questions or would like to leave a comment about your 4 Pillars service.
