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Imagine your life free of debt
Every day, Canadian families choose the 4 Pillars team to help them rebuild their credit and reach their full financial potential.
Book Your Free Consultation
Imagine your life free of debt
Every day, Canadian families choose the 4 Pillars team to help them rebuild their credit and reach their full financial potential.
Book Your Free Consultation
Imagine your life free of debt
Every day, Canadian families choose the 4 Pillars team to help them rebuild their credit and reach their full financial potential.
Book Your Free Consultation
Financial Advocacy & Debt Help

Imagine your life free of debt

Through our financial advocacy and educational services, we give our clients the tools they need to grow beyond living paycheck-to-paycheck and grow their savings. We can help with feelings of overwhelm and uncertainty regarding your path to becoming debt free

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With the 4 Pillars team in your corner, you’ll feel empowered to reduce your debt and gain financial literacy. Discover how we can help you below!

How We Help

Unlock your financial freedom with an experienced and professional team!

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Credit Enhancement

Whether you need Credit Counseling, Credit Repair Services, or Financial Planning and Budgeting – we’re here to ensure you have the tools you need to be financially healthy.

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Debt Relief

From Consumer Proposals to Bankruptcies, our expert team will guide you on your journey to becoming debt free.

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Discover Our Services

We’re here for you – not your creditors.

The Canadian debt industry is confusing and complex, but we’re here to arm our clients with tools and knowledge that sets them up for success long after we work together. We work as financial wellness advocates and help you find the most effective solution to deal with debt and rebuild your financial future.

Consumer Proposal

Consumer proposals are an option that allows you to repay a portion of what you owe, without the impact of bankruptcy.

Debt Consolidation

Say goodbye to multiple debts and hello to simplicity. A lender will work with you to combine your debts into one manageable payment.

We partner with debt consolidation lenders if this is the right option for you, contact us to find out more

Bankruptcy

During a comprehensive consultation, we will explore alternative strategies and provide personalized solutions to help you overcome financial challenges. In certain situations, Bankruptcy may emerge as the best form of financial restructuring.

Credit Counseling

Credit counseling is a service where you pay the debts in full with reduced interest. In some cases, this option might be beneficial. Have a free consultation to see whether this option is right for you.

Credit Improvement Services

Unlock the power of our credit improvement services, meticulously designed to help you rebuild your credit history. We will assist you in identifying and disputing errors, implementing effective strategies, and guiding you towards achieving a stronger credit rating. 

Financial Planning and Budgeting

Financial Wellness is achieved by staying out of debt, having good credit, and also having a Retirement plan. We will assist you with financial education and tools to achieve your financial goals

We’re proud of our client feedback

Over 20 years of client satisfaction

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4 Pillars News

Our Latest Insights

When it comes to managing debt, both personal lines of credit and credit cards can offer helpful solutions. But which one is the better option…

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Rebuilding your credit score is a crucial step toward regaining financial freedom, especially if you’ve experienced financial difficulties in the past. Whether you’re in Alberta…

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Your credit report is one of the most important tools in your financial toolkit. It provides a snapshot of your credit history, which lenders use…

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