Navaiz and Hardip Chaudhry
  • Navaiz and Hardip Chaudhry

  • 1235 Bay Street, 7th Floor
    Toronto, ON
    M5R 3K4
  • 647-362-4894
  • toronto@4pillars.ca

Navaiz and Hardip Chaudhry

Your 4 Pillars Debt Relief Specialists in Toronto

4 Pillars Toronto, the right Debt Specialists for you.

Voted the Better Business Bureau's Peoples Pick, Navaiz and Hardip Chaudhry have helped thousands break free of their debt while gaining the confidence to become financially successful. Their personalized approach offers clients a full range of services including Debt Restructuring, Consolidation, Budgeting, and Credit Rebuilding. As part of the 4 Pillars 'After Care' program you are a client for life; armed with the tools to stay out of debt and reach your financial goals. Together the 4 Pillars Toronto Team will work to create the best debt relief options for you and they will do it without judgement or blame.

About 4 Pillars Toronto

Navaiz and Hardip Chaudhry are the busy parents of three beautiful children. They understand the importance of building a stable financial environment to ensure their children have everything they need to thrive. Hailing from the town of Clearwater, BC Navaiz and Hardip made their way to Vancouver. Navaiz worked for an architectural design firm as well as managed his family's development company. Hardip, a teacher, has taught in Brazil as well as educated students on the Lower Mainland. When they were just 25, Navaiz and Hardip opened a successful education centre in Surrey, BC. Together they've helped hundreds of youngsters improve their academic levels while providing individualized programs tailored to each student.

It is the same individualized approach they take when analyzing your financial situation and creating a strategy to best deal with your debt. As the owner/operators of five thriving 4 Pillars offices (Vancouver, Surrey, London, Toronto, Etobicoke) Hardip and Navaiz understand your need for expert guidance. They know your financial goals cannot be met while you are struggling with debt. So it is the goal of 4 Pillars Toronto to help you break free of your debt and get you on the road to financial success.

Michelle Zorrilla is a Debt Specialist with 4 Pillars Toronto. A native of Toronto, Michelle's background in Sales, Management, and Customer Service allows her to bring her gift with people to every situation. Michelle takes great pride in the work she does for her clients, knowing she is helping to make a real different in their lives. Michelle's compassion immediately puts her clients at ease and she quickly earns their trust while helping them settle their debt and reach their financial goals. And she does it all without judgement or blame.

With the support of 4 Pillars Debt Solutions, Navaiz, Hardip, and Michelle bring their unique perspective to how they approach your Debt Settlement, Restructuring, Consolidation, Credit Rebuilding and/or Budgeting. They will also give you the tools you need to stay out of debt and reach your financial goals.

How 4 Pillars Toronto will reduce your debt.

As your 4 Pillars Debt Specialists, Navaiz Chaudhry, Hardip Chaudhry, and Michelle Zorrilla can reduce your debt by up to 80%, often eliminating that debt within 5 years. The Debt Specialists at 4 Pillars Toronto work for you, not your creditors, so you are assured your best interest is their priority. After your initial consultation, which is free, Navaiz, Hardip, and Michelle will create a plan to eliminate your debt; offering options you may not have thought possible. They will work with you to create a manageable budget and rebuild your credit. With debt restructuring, consolidation, and settlement programs available, 4 Pillars Toronto will find the solution that works best for your situation.

DEBT is the number one reason marriages fail, businesses go bankrupt and Canadians live with an overwhelming amount of stress and anxiety. 4 Pillars was created in 2002 with one goal in mind, to represent their clients with compassion, understanding and respect, while helping to reduce, even eliminate their debt. Using their expertise in the industry and educating their clients throughout the whole process, the 4 Pillars Model is one to be envied. With 97% of their clients successfully completing their debt restructuring plans, a 4 Pillars client can look forward to a debt free future and all of the peace of mind that entails.

4 Pillars' relationship with their clients doesn't end once their debt is reduced. They work with their clients, educating them while helping to rebuild their credit. So when their clients are ready to re-enter the world of credit they do so armed with knowledge and the confidence to avoid future debt as well as the ability to spot a predatory creditor who will take advantage of them.

Case Study: Nicola's Story

Nicola is the single mom of an amazing little girl. Because she was young when she had her daughter, she wasn't able to go to University as she'd planned. Though her parents helped when they could, Nicola was determined to raise her daughter on her own, even if that meant working a series of minimum wage jobs. When her father passed away quite suddenly, he left her mother with no financial support. So Nicola's mother moved in with her and her daughter. Though a great help with her granddaughter, Nicola's mom was also an added burden financially. Nicola soon realized if she was ever going to provide real financial security for her family she would need to do something about her growing debt.

When a co-worker recommended calling 4 Pillars Toronto Nicola was skeptical. She'd heard about companies taking advantage of people in her situation, leaving them worse off financially then when they started. Desperate, she set up her initial consultation. Michelle from 4 Pillars Toronto took the time to answer all of her questions and address her concerns. In the end, Michelle was able to reduce Nicola's $40,000 debt to $13,000 which she will have completely paid off within 5 years. But that's not the end of Nicola's story. Michelle from 4 Pillars Toronto was able to create a realistic budget for Nicola and is helping her rebuild her credit. With her debt becoming a distant memory Nicola is not only able to save for her daughter's education, she’s able to plan for her own future as well.


Office Location:

1235 Bay Street, 7th Floor Toronto, ON M5R 3K4

Phone: 647-362-4894

Email: toronto@4pillars.ca or michellez@4pillars.ca


Toronto Debt Restructuring Information

The 4 Pillars advantage gives our clients the peace of mind that comes from choosing one of the oldest and largest debt restructuring companies in Canada. Our debt restructuring, credit rebuilding and budgeting services, offered through our Clients For Life™ program, allow us to assist our clients remove the financial barriers they face, and move forward with their financial goals, be that saving for retirement, buying a house or putting their kids through school. No other Canadian company offers such an integrated system for creating financial stability.

Navaiz and Hardip Chaudhry
  • Navaiz and Hardip Chaudhry

  • 1235 Bay Street, 7th Floor
    Toronto, ON
    M5R 3K4
  • 647-362-4894
  • toronto@4pillars.ca

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