Eliminate Your Unsecured Debt
Don’t let the weight of your
unsecured debt weigh you down.
97% of our clients are now living debt-free! Join them
Is Your Unsecured Debt a Problem?
Unsecured debt is debt that isn’t backed by collateral.
It’s also small debts, like post-pay phone plans, medical bills, your overdraft, or those buy
now, pay later arrangements for online shopping.
It’s debts that you are approved for based only on your credit score and your promise to pay it back – like personal loans, credit cards, and student loans.
Unsecured debt allows you to buy a new bicycle now and pay it off over the next year. It’s an
attractive offer. But, the convenience is accompanied by risk.
Since these loans aren’t backed by collateral, there’s a risk to your credit provider that you won’t pay back the amount you borrowed. Perhaps you’ll lose your job, or you’ll take on too much debt and be overwhelmed by the payments.
That risk is one reason credit providers charge high interest. The higher rates of interest are a way for credit providers to protect themselves against people who default on their loans. As well as a way for them to make a profit.
We’ve helped more than 50,000 Canadians reduce or eliminate their debt. Find out how.
Unsecured Debt: Risks to You
Unsecured debt is risky for you too.
Sometimes, we take on debt thinking we can manage but, for whatever reason, we can’t.
When you don’t keep on top of your payments, the interest, fees, and penalties quickly balloon. What was a manageable payment when you first borrowed the money, quickly grows larger over time and becomes overwhelming. Until you can’t afford to pay them back anymore. All of this is accompanied by feelings of stress, anguish, and shame.
But you have options.
"We’ve helped consumers eliminated over
$1 Billion in consumer
debt!"
4 Pillars is here to help
4 Pillars is one of Canada’s largest independent debt advisory companies. Our friendly, non-judgmental staff rely on proven debt reduction strategies to help you reduce and eliminate your debt.
4 Pillars of Dealing with Debt
Start with a Free Consultation
Eliminate Your Unsecured Debt
97% of our clients are now living debt free! Join them - starting with a free consultation.
Rebuilding Your Credit Score after a Consumer Proposal
A tailored credit rebuilding plan will set you up for success.
Reduce Debt with Debt Reduction Strategies that Work
Tackle your debt using proven debt reduction strategies. 4 Pillars’ personalized plans attack your debt, eliminating it ASAP!
Credit Rebuilding
You can’t rebuild credit overnight. But with 4 Pillars Credit Rebuilding, you can improve your credit score as quickly as possible.