Sudbury • North Bay • Huntsville

Reduce your Debt by up to 80%

  • Over 60 offices across Canada.
  • 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.


We listen, ask the important questions and build a plan to put the burden of debt behind you.

Book your free consultation with one of our experts and start living a debt free life.

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Imagine a debt-free future

Know your options

  1. Focused Strategic Plans
  2. Consolidate your debt
  3. Ongoing Support

Here's how it works


a plan

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.


Your Debt

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. That's why 4 Pillars clients have a 97% success rate at completing the plans that we prepare for them.

We help with

Ongoing Support

Establishing a plan is one thing, completing the plan is another.

If you need us after your plan has been put in place, we are here for you, in order to make sure that you see the plan through to completion. We are only an email or a phone call away, and there is no cost to you as a client for follow up meetings. Your success is our success!


Learn more and get tips on how to improve your finances with our video resources available to you 24/7.

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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.

Our Process

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.


Imagine a debt free future

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.


Speak to an expert in confidence

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
$1,000,000 of consumer debt every day.

Get me debt free

Calculate your

Debt options

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Where you can find us

Sudbury • North Bay • Huntsville


430 Notre Dame Ave, Suite 203

Sudbury, ON P3C 5K7


North Bay

176 Lakeshore Drive, Suite 3C

North Bay, ON P1A 1J8



133 Highway 60, Unit 5

Huntsville, ON P1H 1Z6


Get Started

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