Huntsville • North Bay • Sudbury
Reduce Debt by up to 80%
- 97% of families successfully complete the plans we create and become debt free.
- On average, our clients have been able to eliminate 80 percent of their debts.
- Our plans are 100% legal and have helped thousands of families and individuals.
- We Support local financial literacy initiatives and offer education to families in debt.
How we can help you
Become debt free
We'd love to discuss how we can help you become debt free
Book your free consultation with one of our experts and start living a debt free life.
Imagine a debt-free future
Know your options
- Focused Strategic Plans
- Consolidate your debt
- Re-establish your credit rating
The goal is to get you out of debt as soon as possible, get you into a payment plan that you can easily afford in order to remove the stress, and make sure that you retain your assets instead of liquidating them to pay the debt.
After reviewing your current financial situation, we outline a personalized plan to meet the immediate short-term needs of dealing with your debt, which also fits your long- term financial goals.
WE HELP CONSOLIDATE
Our role is to represent you as our client, and structure a new affordable payment plan to deal with your debt. When dealing with restructuring of debt, you have multiple options that could be implemented. It is imperative to choose the right option through a fully transparent and qualified consulting process. At 4 Pillars, we believe that there is no such thing as a "one size fits all" type of solution. In the "debt help" industry, there are companies that either represent the creditors, or take funding from the creditors.
4 Pillars does neither and therefore we are able to represent 100% solely the best interests of our client. An informed consumer is a 4 Pillars client. Thats why 4 Pillars clients have a 97% success rate at completing the pans that we prepare for them.
We help you
reestablish Your Credit
Understanding cash flow and credit rebuilding are the cornerstones of any successful plan to deal with debt once you have the new plan in place. These will be the next things that we tackle with you.
We have some of the BEST consultants in the industry to help you understand your credit report, the importance of maintaining a strong credit profile, and how to effectively manage credit to keep you out of debt for good.
Tailored Debt Restructuring
Are you making only the minimum payments to service debt without seeing the balance decrease? Are you planning to sell assets or liquidate retirement savings to pay debt? Are you thinking of getting a second job just to try and make it work? Are you not able to meet your payments and therefore receiving letters and calls from creditors? If you answered yes to any of these questions, you are not alone. It's time to put a plan together that works for you, so that you can become debt free as quickly as possible, while improving cash flow and retaining your assets.
Right from the first phone call though to the completion of your plan, our goal is to make sure that you are serviced as a client should be. Seeing our clients succeed is what keeps us coming to work everyday. Getting out of debt doesn't need to be a stressful prolonged process.
National yet proudly Local
Just like you, we are real people of the communities in which we live and serve. With over 60 offices across Canada and having helped Canadians solve billions of dollars of debt, we have the resources and the people behind us to get you where you need to go.
Debt can be a symptom of any number of problems and life circumstances: a struggling or failed business, reduction in working hours, a drop in sales commission, divorce or separation, injury or illness, or previous poor financial decision making and bad advice coming home to roost.
It's important to understand that you are not your debt. Like millions of Canadians, you may have a debt issue. But with timely counselling, a solid debt restructuring plan, immediate credit rebuilding, you can move on from your debt wiser, financially solid and fortified against ever going into debt again.
You're not alone
4 Pillars helps Canadians restructure
almost $1,000,000 of consumer debt every day.