We help to reduce your debt by up to 80% and get you back on track. Up to 97% of families successfully complete the plans we create and become debt free.
Our personalized approach covers the full range of services, including debt restructuring, consolidation options, budgeting and credit rebuilding.
As part of our Clients for Life™ aftercare, you get tools and support to stay out of debt and reach your financial goals. Our Vancouver team will help you find the right debt relief option for you, without judgment or blame.
From Kitsilano, the West End and Yaletown to Mount Pleasant, Commercial Drive, Hastings-Sunrise, Killarney, Marpole and Kerrisdale, Vancouver households face high rents, big mortgages and a cost of living that rarely lets up. Many people we hear from work in film and TV, tourism and hospitality, tech, health care at VGH or St. Paul’s, or on contract, and others are students at UBC, Langara or BCIT. When income dips or costs jump, credit cards and lines of credit often take up the slack. We start with your real numbers, then explain which options fit, from a tighter budget and money coaching and a debt management plan to a formal solution through a Licensed Insolvency Trustee. See all of our services.
If you can afford a regular monthly payment but not your full unsecured balances, a consumer proposal lets you offer creditors part of what you owe over up to five years, interest-free, and you generally keep your assets. Only a Licensed Insolvency Trustee can file it, and your creditors vote on it. 4 Pillars is not a trustee. We help you prepare and connect you with one. How a consumer proposal works.
For a Vancouver renter with limited income and few assets, bankruptcy may be the more realistic route. Only a Licensed Insolvency Trustee can file it, and B.C. law decides which assets you keep. We’ll go through what it would mean for you before you meet a trustee. Learn about bankruptcy.
With good credit, a consolidation loan can roll several payments into one, but it doesn’t reduce what you owe. Refinancing your home moves unsecured debt onto your property, so compare options for homeowners first. Once your debt is under control, we help with credit rebuilding.
Elsewhere in Metro Vancouver? See our Burnaby, North Vancouver and Richmond pages.
If you return a financed vehicle, the lender sells it, and any shortfall becomes an unsecured debt. That shortfall can generally be included in a consumer proposal along with your other unsecured debts.
In B.C., creditors generally have a limited time, usually two years, to start a lawsuit to collect a debt. The debt doesn’t simply disappear, though, so get advice before you pay or sign anything.
Yes. Call 250-410-3963 or use the form on this page to book your free consultation by phone.
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