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REDUCE YOUR DEBT BY UP TO 80%

>>>>>>>>>>  What does your debt look like?  <<<<<<<<<<

$20,000

$5,000

$100,000

4 Pillars North York Scarborough, & Markham

START YOUR DEBT FREE LIFE

01

FOCUSED STRATEGIC PLANS TO HELP YOU BECOME DEBT FREE

The goal is to help get you out of debt as soon as possible, help get you into a payment plan you can easily afford, and help protect your assets. After reviewing your current financial situation, we outline a personalized plan to meet the immediate short-term needs of dealing with your debt that fits your long-term financial goals

02

CONSOLIDATE YOUR DEBT

Our role is to represent you, and structure a new affordable payment plan to deal with your debt, either through a comprehensive budgeting program, sourcing reasonable finance options that make sense for you, or if required through a filing with a Licensed insolvency trustee. What is a trustee you may ask? A trustee is an officer of the court who acts on behalf of the creditors in a fiduciary capacity. The role of the trustee is to investigate the debtors financial situation and to ensure that the debtors rights are not abused while also protecting the rights of your creditors. The trustee cannot act as your financial advocate to help get you the best possible outcome and their fees are a tariffed based percentage of what they collect on behalf of your creditors. In saying all of that, we believe it to be imperative that you obtain your own representation in any major financial decision. If carefully structured with your best interests in mind, a proposal to creditors will usually repay a portion of what you owe, often eliminating up to 80 per cent of debt.

03

RE-ESTABLISH YOUR CREDIT RATING AS YOU ACHIEVE DEBT FREEDOM

Building cash savings and gaining an understanding of how to build / maintain a good credit rating are the cornerstones of any successful plan to deal with debt. Once you have the new plan in place, those will be the next items we discuss with you. We help you understand your credit report, the importance of maintaining a strong credit profile, how to effectively manage credit, and therefore keep yourself out of debt for good.

CALCULATE YOUR

DEBT

Our Debt Repayment Calculator will help you determine how long it
will take for you to pay off all of your outstanding debt. Simply enter
in your current debts and an expected monthly payment or a desired
pay off time frame to see how much time and money you could save.

Debt Calculator

Full Payoff Information

  • $ 0

    Balance

  • 0 %

    Interest Rate

  • $0

    If you paid only the minimum payment

  • 0 Months

    Expected Payoff Time

  • $0

    Total Interest You Would Have To Paid

IMAGINE A DEBT-FREE FUTURE

97% of families successfully complete the plans we create and become debt free.

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 simply 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, plus immediate credit rebuilding, you can move on from your debt, wiser, financially solid and fortified against ever going into debt again.

FREQUENTLY ASKED QUESTIONS

HOW MUCH WILL IT COST TO WORK WITH 4 PILLARS?

All 4 Pillars offices provide a free 1-hour information session, educating you about all the options available; Learn more about how to deal with overwhelming debt and bankruptcy alternatives…

Read More

DO I GET TO KEEP ANY CREDIT CARDS?

This largely depends on the type of restructuring used. If you file a Bankruptcy, then you cannot obtain or have any credit during this process…

Read More

HOW MUCH WILL IT COST TO WORK WITH 4 PILLARS?

All 4 Pillars offices provide a free 1-hour information session, educating you about all the options available; Learn more about how to deal with overwhelming debt and bankruptcy alternatives …

Read More

DO I GET TO KEEP ANY CREDIT CARDS?

This largely depends on the type of restructuring used. If you file a Bankruptcy, then you cannot obtain or have any credit during this process. In other restructuring options, you can keep the credit card if it has a zero balance…

Read More

WHAT IS DEBT RESTRUCTURING?

Making the decision to restructure can be a difficult one for some people and it is important to understand both the benefits and implications of doing so…

Read More

WILL DEBT RESTRUCTURING AFFECT MY CREDIT RATING?

Different restructuring options have different effects on your credit rating. As a general rule, any time you settle your debts at less than 100 cents on the dollar or you do not pay back the debts on the original terms and conditions, it will have a negative effect on your credit rating…

Read More

WHAT IS DEBT RESTRUCTURING?

Making the decision to restructure can be a difficult one for some people and it is important to understand both the benefits and implications of doing so…

Read More

WILL DEBT RESTRUCTURING AFFECT MY CREDIT RATING?

Different restructuring options have different effects on your credit rating. As a general rule, any time you settle your debts at less than 100 cents on the dollar or you do not pay back the debts on the original terms and conditions, it will have a negative effect on your credit rating…

Read More

YOU’RE NOT ALONE

4 Pillars helps Canadians restructure almost

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

The Intermediary’s Advantage

While there are a few folks who take the time to complete their tax returns all by themselves, most people opt to use an accountant. I certainly don’t blame them. Tax preparation is often more art than science, and having an amateur or passerby complete your taxes will at best produce lousy art – at worst, the result will be a complete disaster.[…]

Think Bankruptcy is Free? Think Again!

Bankruptcy! Yeah, I know what that is…you get rid of all your debts, you walk away, your creditors get zilch, and you’ll never get a credit card again as long as you live![…]

A Consumer Proposal Can Prevent You From Having to Wait a Century to Pay off Your Debt

108 years! That’s how many years passed between World Series victories for the Chicago Cubs. It’s an astonishing number when you consider that someone born in 1916 will have lived 100 years and never seen the Cubs win a world series…until November 3rd of this year. Unreal![…]

The Intermediary’s Advantage

While there are a few folks who take the time to complete their tax returns all by themselves, most people opt to use an accountant. I certainly don’t blame them. Tax preparation is often more art than science, and having an amateur or passerby complete your taxes will at best produce lousy art – at worst, the result will be a complete disaster.[…]

Think Bankruptcy is Free? Think Again!

Bankruptcy! Yeah, I know what that is…you get rid of all your debts, you walk away, your creditors get zilch, and you’ll never get a credit card again as long as you live![…]

A Consumer Proposal Can Prevent You From Having to Wait a Century to Pay off Your Debt

108 years! That’s how many years passed between World Series victories for the Chicago Cubs. It’s an astonishing number when you consider that someone born in 1916 will have lived 100 years and never seen the Cubs win a world series…until November 3rd of this year. Unreal![…]

Learn More.

We'd love to discuss how we can help you become debt free




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4 Pillars Personal Debt Restructuring
4 Pillars Personal Debt Restructuring
5 out of 5 stars
10 reviews
77 Finch Ave W #102
North York, ON M2N 2H5, Canada
(416) 222-6772
4 Pillars Personal Debt Restructuring
Diana Barba
5 out of 5 stars
Highly recommend 4Pillars. Zach is such a great help with both settling and credit re-building. Thank you!
4 Pillars Personal Debt Restructuring
George Bagin
5 out of 5 stars
Everything happened exactly as promised! This was a very difficult time in my life and I am relieved that it is all over. I am now in the process of rebuilding my credit and putting my debt behind...
4 Pillars Personal Debt Restructuring
Dale Holder
5 out of 5 stars
Great guy, great work, great system.
4 Pillars Personal Debt Restructuring
Diana Barba
5 out of 5 stars
Highly recommend 4Pillars. Zach is such a great help with both settling and credit re-building. Thank you!
4 Pillars Personal Debt Restructuring
Dale Holder
5 out of 5 stars
Great guy, great work, great system.