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4 Pillars

Get started on the right path to financial freedom.

Discover the debt solutions that work for you.

Get started on the right path to financial freedom.

Discover the debt solutions that work for you.

No Upfront Fee

Get your debt assessed for free by our debtor advocates.

Weigh Your Options

Compare all your options including Debt Consolidation, Bankruptcy and Consumer Proposal.

Financial Literacy

Learn how to manage your money with our online courses.

Debt Consolidation

Consolidating your debt is easier than you think.

Credit Rebuilding

Rebuilding credit is made simple and effortless.

Credit Counselling

Learn the ins and outs of your credit bureau.

How it Works:

4 Pillars consultants offer a variety of services specific to people in debt. We outline the options available to you and walk you through the process so you find the best solution available. Your debt solution will likely be one of the following:

Bankruptcy

Seeking bankruptcy protection is occasionally the only option. We will help you through it and show you how to avoid it ever happening again.

Or
Consumer Proposal

A viable restructuring option for over 45,000 Canadian a year, a Consumer Proposal allows the consumer to seek legal protection from their creditors and pay back only a portion owed.

Then
Aftercare

Once you're out of debt, our customized aftercare plan will get your credit headed back in the right direction.

Find the best solution for you

The debt industry is complex and designed to work in favour of banks, credit card companies, and creditors. We're changing that.

At 4 Pillars, we use education and our extensive experience to show you the best path out of debt based on your unique financial situation.

Why 4 Pillars
51

Offices across Canada to serve you best.

3,000+

Independent, verified reviews by clients via TrustPilot.

50,000+

Families who we’ve helped with over $300 million of unmanageable consumer debt resolved every year.

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Find your nearest 4 Pillars location

Here’s an interactive map and list of our 4 Pillar offices if you’re ready to take the next step. You can also give us your email here and we’ll route you to the closest office.

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