REDUCE YOUR DEBT BY UP TO 80%

>>>>>>>>>>  What does your debt look like?  <<<<<<<<<<

$20,000

$5,000

$100,000

4 PILLARS DURHAM

START YOUR DEBT FREE LIFE

01

FOCUSED STRATEGIC PLANS TO HELP YOU BECOME DEBT FREE

The goal is to help get you out of debt as soon as possible, help get you into a payment plan you can easily afford, and help protect your assets. After reviewing your current financial situation, we outline a personalized plan to meet the immediate short-term needs of dealing with your debt that fits your long-term financial goals

02

CONSOLIDATE YOUR DEBT

Our role is to represent you, and structure a new affordable payment plan to deal with your debt, either through a comprehensive budgeting program, sourcing reasonable finance options that make sense for you, or if required through a filing with a Licensed insolvency trustee. What is a trustee you may ask? A trustee is an officer of the court who acts on behalf of the creditors in a fiduciary capacity. The role of the trustee is to investigate the debtors financial situation and to ensure that the debtors rights are not abused while also protecting the rights of your creditors. The trustee cannot act as your financial advocate to help get you the best possible outcome and their fees are a tariffed based percentage of what they collect on behalf of your creditors. In saying all of that, we believe it to be imperative that you obtain your own representation in any major financial decision. If carefully structured with your best interests in mind, a proposal to creditors will usually repay a portion of what you owe, often eliminating up to 80 per cent of debt.

03

RE-ESTABLISH YOUR CREDIT RATING AS YOU ACHIEVE DEBT FREEDOM

Building cash savings and gaining an understanding of how to build / maintain a good credit rating are the cornerstones of any successful plan to deal with debt. Once you have the new plan in place, those will be the next items we discuss with you. We help you understand your credit report, the importance of maintaining a strong credit profile, how to effectively manage credit, and therefore keep yourself out of debt for good.

CALCULATE YOUR

DEBT

Our Debt Repayment Calculator will help you determine how long it
will take for you to pay off all of your outstanding debt. Simply enter
in your current debts and an expected monthly payment or a desired
pay off time frame to see how much time and money you could save.

Debt Calculator

Full Payoff Information

  • $ 0

    Balance

  • 0 %

    Interest Rate

  • $0

    If you paid only the minimum payment

  • 0 Months

    Expected Payoff Time

  • $0

    Total Interest You Would Have To Paid

IMAGINE A DEBT-FREE FUTURE

97% of families successfully complete the plans we create and become debt free.

Debt can be a symptom of any number of problems and life circumstances: a struggling or failed business, reduction in working hours, a drop in sales commission, divorce or separation, injury or illness, or simply previous poor financial decision making and bad advice coming home to roost.

It’s important to understand that you are not your debt. Like millions of Canadians, you may have a debt issue. But with timely counselling, a solid debt restructuring plan, plus immediate credit rebuilding, you can move on from your debt, wiser, financially solid and fortified against ever going into debt again.

FREQUENTLY ASKED QUESTIONS

HOW MUCH WILL IT COST TO WORK WITH 4 PILLARS?

All 4 Pillars offices provide a free 1-hour information session, educating you about all the options available; Learn more about how to deal with overwhelming debt and bankruptcy alternatives…

Read More

DO I GET TO KEEP ANY CREDIT CARDS?

This largely depends on the type of restructuring used. If you file a Bankruptcy, then you cannot obtain or have any credit during this process. In other restructuring options, you can keep the credit card if it has a zero balance…

Read More

HOW MUCH WILL IT COST TO WORK WITH 4 PILLARS?

All 4 Pillars offices provide a free 1-hour information session, educating you about all the options available; Learn more about how to deal with overwhelming debt and bankruptcy alternatives…

Read More

DO I GET TO KEEP ANY CREDIT CARDS?

This largely depends on the type of restructuring used. If you file a Bankruptcy, then you cannot obtain or have any credit during this process. In other restructuring options, you can keep the credit card if it has a zero balance…

Read More

WHAT IS DEBT RESTRUCTURING?

Making the decision to restructure can be a difficult one for some people and it is important to understand both the benefits and implications of doing so…

Read More

WILL DEBT RESTRUCTURING AFFECT MY CREDIT RATING?

Different restructuring options have different effects on your credit rating. As a general rule, any time you settle your debts at less than 100 cents on the dollar or you do not pay back the debts on the original terms and conditions, it will have a negative effect…

Read More

WHAT IS DEBT RESTRUCTURING?

Making the decision to restructure can be a difficult one for some people and it is important to understand both the benefits and implications of doing so…

Read More

WILL DEBT RESTRUCTURING AFFECT MY CREDIT RATING?

Different restructuring options have different effects on your credit rating. As a general rule, any time you settle your debts at less than 100 cents on the dollar or you do not pay back the debts on the original terms and conditions, it will have a negative effect…

Read More

YOU’RE NOT ALONE

4 Pillars helps Canadians restructure almost

$1,000,000 of consumer debt every day.

Five Small Daily Life “Hacks” That Can Save You Money

Unmanaged debt is stressful and overwhelming, and it can prevent you from achieving your financial goals. One of the easiest ways you can work your way out of debt is to implement a monthly budget. Review your overall spending each month and look for ways to cut down on unnecessary and wasteful expenses. Creating a budget helps you set up realistic and reachable short-term goals, while you work to achieve your main goal of becoming debt free. […]

When Should Someone Declare Bankruptcy?

I am going to begin this by simply answering the question above and then explain the reasoning behind the answer: In my opinion someone should declare bankruptcy when they have a huge amount of debt $250,000+, low income and no assets of any significant value. This would be pretty much the ideal situation in which to go bankrupt.[…]

Why Durham Clients Choose 4 Pillars for Debt Re-structuring Services

As anyone who has been through financially challenging times knows it can be a very emotional experience. Those emotions can range vastly for everyone including: sadness, frustration, embarrassment, anger, isolation, feelings of inadequacy and more. It is very difficult to face up to the challenge of dealing with your debt. And when you do muster up the courage to deal with your debt who do you turn to who is not going to judge you, who you can trust and know that they will get the job done for you? Who is really looking after your best interests?[…]

Five Small Daily Life “Hacks” That Can Save You Money

Unmanaged debt is stressful and overwhelming, and it can prevent you from achieving your financial goals. One of the easiest ways you can work your way out of debt is to implement a monthly budget. Review your overall spending each month and look for ways to cut down on unnecessary and wasteful expenses. Creating a budget helps you set up realistic and reachable short-term goals, while you work to achieve your main goal of becoming debt free. […]

When Should Someone Declare Bankruptcy?

I am going to begin this by simply answering the question above and then explain the reasoning behind the answer: In my opinion someone should declare bankruptcy when they have a huge amount of debt $250,000+, low income and no assets of any significant value. This would be pretty much the ideal situation in which to go bankrupt.[…]

Why Durham Clients Choose 4 Pillars for Debt Re-structuring Services

As anyone who has been through financially challenging times knows it can be a very emotional experience. Those emotions can range vastly for everyone including: sadness, frustration, embarrassment, anger, isolation, feelings of inadequacy and more. It is very difficult to face up to the challenge of dealing with your debt. And when you do muster up the courage to deal with your debt who do you turn to who is not going to judge you, who you can trust and know that they will get the job done for you? Who is really looking after your best interests?[…]

The Locations We Serve

Here is the list of towns that we serve
Ajax ClaringtonCobourg Oshawa Whitby 
PickeringPort HopePort PerryUxbridge

Learn More.

We'd love to discuss how we can help you become debt free


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4 Pillars Consulting Oshawa/Clarington
4 Pillars Consulting Oshawa/Clarington
5 out of 5 stars
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49 Blackcreek Trail
Courtice, ON L1E 1J8, Canada
(905) 243-8765
4 Pillars Consulting Oshawa/Clarington
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4 Pillars Consulting Oshawa/Clarington
Barry Corcoran
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Trevor was very professional, and courteous, and treated my wife and I with dignity and respect. ...