If you are using a Trustee, can't I go directly to a Trustee and file the Consumer Proposal?

Yes, you can always go directly to the Trustee. Using a Trustee may not serve your best interests, however. A trustee represents your creditors and is an officer of the court. Your 4 Pillars consultant works directly for you, not your creditors. The proposals structured by 4 Pillars are based on the development of a comprehensive budget, which ensures the proposal is not only successfully completed, but is also affordable for you. In many cases, the budgeting work can even create the opportunity to pay off the proposal early. This approach means 4 Pillars clients have one of the lowest default rates on Consumer Proposals in the industry. We also provide a comprehensive credit rebuilding program, to ensure the impact on your credit rating is minimized.

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