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4 Pillars

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.

Get started with a
free debt consultation

4 Pillars St. Catharines

  • Sonia Oliveira

  • 110 James Street, Suite 600
    St. Catharines, ON
    L2R 7E8
  • (416) 882-1804
  • goldenhorseshoe@4pillars.ca

4 Pillars St. Catharines

Sonia Oliviera's Team, Niagara Debt Settlement and Restructuring Specialists

If you are researching your options for financial relief and assistance in Niagara, we can help. We've helped hundreds of Niagara families reduce their overall debt and avoid bankruptcy.

We know this time is stressful and feels hopeless - so make sure you read the amazing stories from Niagara residents we have helped over the years. They'll show you that while it looks hopeless right now, things can get better.


How the debt settlement & restructuring process works

When you call the St. Catharine's office you can expect professionalism and confidentiality.

During your complimentary consultation, you'll learn all the different options available to you as a Canadian debtor, what your rights and responsibilities are, and what the benefits and consequences are to each option. The goal is to provide you with all the information you need in order to make a careful and informed decision.

Clients of 4 Pillars can expect to receive a full client care experience, designed to create a long term relationship with your financial success at the very heart. Even after you are debt free, the door is always open should you need any further help or support.

Because of their long term approach, the 4 Pillars team has earned the trust of the community where we serve. It’s not uncommon for past clients to reach out for continued monthly budgeting support and accountability to ensure they stay on track now and for the future.

How we actually help you get out of debt

If you have a question about our services or you simply need some advice - email me for more information. Call today if you live in the Niagara / St. Catherines area, 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 we can do a zoom call 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.

Book your free consultation.

Your local office will be in touch with you promptly.

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"The stress and worries are over. We are living again."
Actual client testimonial. Name removed to protect privacy.

Speak to an expert in confidence.

We'd love to hear from you.

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