There is a way out.
Find a debt solution that works for you.
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.
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.
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Hello - I'm Sonia Oliviera, and I specialize in helping individuals and businesses in Hamilton create a plan to reduce and eliminate hard to manage debt and Gain Back Control of Their Financial Lives from the credit bureaus, banks, and other institutions that are controlling their income and limiting their future.
At 4 Pillars, our approach's cornerstone is financial education to Empower Our Clients to make the best financial decisions moving forward. With this in mind, all of our clients are offered our unique, extensive financial education program, which is like going to college to learn about all things related to money in Canada. Some of the areas we cover include household budgeting and savings, credit rebuilding, house purchasing, vehicle purchasing, and how to retire with enough money to live on.
If you are reading this page, it means your debt has become hard to manage as we know today, up to 75% of Canadians are making mostly minimum payments on their debt and don't know what to do about it. Over the last seven years, I've represented many families and individuals where you stand now, and they've been able to move forward with improved credit and an enhanced outlook on life since their debilitating debt is now behind them. Once you get rid of your debt and its high compounding interest payments, there are endless possibilities, including purchasing your first home. But if you are drowning in debt, you are stuck in an endless carousel of payments with nowhere to go.
I hope you take a few moments to read this page and learn a bit more about the processes of 4 Pillars' debt restructuring and consolidation services.
I provide a variety of debt restructuring programs for Hamilton, including:
If you have a question about our services and why they're important, or if you simply need some advice, email me for more information or, if you live in the Hamilton area, to book your free initial consultation.
Upon initial contact, I will provide an assessment over the phone to give you an idea of how I can assist with your debt.
If my process sounds right for you, we can then schedule a meeting at my office or your home to review your situation in more detail. This will allow you to make an informed decision on securing my services.
If you decide to move forward, I will begin helping you which includes budgeting and credit rebuilding.
Part of the debt restructuring plan we create for you will include credit rebuilding and budgeting services to ensure our client's lives are back to normal in a short period of time.
The following text was taken from my blog:
Many people I meet ask the question: "why not just visit a Trustee in Bankruptcy or a Credit Counsellor by myself?"
At 4 Pillars we take the view that when in the debt advisory business, you either help the creditor or help the debtor - it's impossible to give good sound advice to both - you simply cannot do it.
It seems that more small businesses are popping up all the time, with corporate downsizing and just the general urge to be your own boss, especially in the 35+ crowd.
The idea of running your own business comes with many advantages, for example, no boss to report to. However, many folks aren’t prepared for the reality of owning a business; like collecting and saving for future HST payments along with others tax that is owed to the CRA. I get many calls from small business owners that are drowning in this type of debt, not to mention struggling to keep up with suppliers, utilities and other general expenses.
Many of these businesses are actually showing cash flow projections on the way up, but the burden of carrying CRA debts with their associated penalties is a never-ending dark cloud.
Fortunately, 4 Pillars is very experienced in the area of managing CRA and other business-related debts. Quite often we are able to restructure these debts and reduce them by up to 70%, and we don’t charge huge fees like those associated with most tax lawyers or specialized accountants.
"The stress and worries are over. We are living again."
Actual client testimonial. Name removed to protect privacy.
