Canadian families choose 4 Pillars to help deal with $1,000,000 of consumer debt every day.
Step 1 of 2 · Your debt
How much do you owe?
Slide to your estimated total and see what a 4 Pillars plan could look like.
$25,000
Restructure it for as little as $150–$225/moestimated plan payment — often a fraction of what you owe *
$5k$100k+
🔒 Free & confidential. No upfront fees, no obligation.
Where should we send your free plan?
Your local 4 Pillars office will reach out — independent advice, no upfront fees.
Debt: $25,000|Est. $150–$225/moedit
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What clients say on Trustpilot
The whole process was clear and stress-free — no judgment, just real support from start to finish.
Verified client · Trustpilot
They reduced what I owed to a fraction of the balance. I can finally breathe again.
Verified client · Trustpilot
My advisor answered every call and email, and guided me through every step patiently.
Verified client · Trustpilot
How 4 Pillars works: 4 Pillars is an independent debt-restructuring firm that advocates for the debtor — not the creditor. We educate you on all of your options and help you choose the best path, which may include refinancing or consolidation, a debt management plan, negotiating directly with creditors, or filing a consumer proposal or bankruptcy with a Licensed Insolvency Trustee. We are not a Licensed Insolvency Trustee and do not file or administer consumer proposals or bankruptcies ourselves — those are filed with a Licensed Insolvency Trustee, regulated by the federal Office of the Superintendent of Bankruptcy. 4 Pillars charges no upfront fees. The information you submit is shared with your local 4 Pillars office so they can contact you. Free, no-obligation consultation.
* Estimates only. The amount of debt reduced and any monthly payment depend on your income, assets, total debt, creditor acceptance, and the option you choose, and are not guaranteed. Restructuring may include a consumer proposal filed with a Licensed Insolvency Trustee. This is not a loan and not credit repair; settling debt for less than the full balance, or filing a proposal or bankruptcy, will affect your credit. Individual results may vary. 4 Pillars — offices across Canada.