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REDUCE YOUR DEBT BY UP TO 80%

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

$20,000

$5,000

$100,000

4 PILLARS BARRIE & SURROUNDING AREA

Start Your Debt Free Life

01

FOCUSED STRATEGIC PLANS

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 on your credit rating…

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 on your credit rating…

Read More

YOU’RE NOT ALONE

4 Pillars helps Canadians restructure almost

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

Auto Loans – How to Avoid Debt When Buying a Car

As with any major purchase, when you decide to buy a car it is important to thoroughly plan out your finances. In order to purchase a vehicle, it is recommended that you already have a positive credit history established. To get approval for a loan, you need to show that you are capable of paying off past debt and will be responsible when making future payments. Building up a strong credit history can be challenging, however. It may take years to rebuild a solid credit history after debt trouble, but it is possible. Once your credit is established, you can use it towards large purchases such as a house, or in this case a car.[…]

Budgeting for Baby

From pre-natal preparations to preschool to post-secondary, raising a child in Canada is not for the financially faint of heart. The average annual cost for raising a child to the age of 18 has been estimated to be a cool $13,000 which, of course, will not necessarily decrease at that age if you plan to pay for college or university tuition. While overwhelming, it can be useful to remember the old adage that Rome wasn’t built in a day (and neither will your RESP!).[…]

Life after Debt: Rebuilding with 4 Pillars Barrie

If you shuffle a deck of tarot cards will it change your future for the better? Well that depends on who’s dealing the cards. When your debt has the upper hand, your outlook can look pretty bleak. However, take control of the deck, make sure it’s not stacked against you and your future could come out looking pretty good! So how do you wrestle control away from debt? You deal yourself a winning hand and a debt free future with the help of 4 Pillars Debt Solutions.[…]

Auto Loans – How to Avoid Debt When Buying a Car

As with any major purchase, when you decide to buy a car it is important to thoroughly plan out your finances. In order to purchase a vehicle, it is recommended that you already have a positive credit history established. To get approval for a loan, you need to show that you are capable of paying off past debt and will be responsible when making future payments. Building up a strong credit history can be challenging, however. It may take years to rebuild a solid credit history after debt trouble, but it is possible. Once your credit is established, you can use it towards large purchases such as a house, or in this case a car.[…]

Debt Issues, Who Can You Trust? 4 Pillars Barrie

You’ve heard the old sayings, ‘If it seems too good to be true, it probably is”, or ‘there’s no such thing as a free lunch’. So when you need help with your debt issues, who can trust? When it comes to dealing with your debt do you get help from the company with the friendly demeanor and big promises? Or, do you step back and do a little research into the people who are insisting they can make all of your debt problems disappear?[…]

Life after Debt: Rebuilding with 4 Pillars Barrie

If you shuffle a deck of tarot cards will it change your future for the better? Well that depends on who’s dealing the cards. When your debt has the upper hand, your outlook can look pretty bleak. However, take control of the deck, make sure it’s not stacked against you and your future could come out looking pretty good! So how do you wrestle control away from debt? You deal yourself a winning hand and a debt free future with the help of 4 Pillars Debt Solutions.[…]

Learn More.

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4 Pillars Barrie & Area - Debt Relief Specialists
4 Pillars Barrie & Area - Debt Relief Specialists
5 out of 5 stars
10 reviews
92 Caplan Ave Suite 632
Barrie, ON L4N 9J2, Canada
(705) 812-0578
4 Pillars Barrie & Area - Debt Relief Specialists
A Google User
5 out of 5 stars
Hi Terryl! I want to thank you so very much for the amazing advice and help that you gave us. I can't tell you how much we appreciate everything that you have done for us. I feel like a hundred...
4 Pillars Barrie & Area - Debt Relief Specialists
A Google User
5 out of 5 stars
Terryl is fantastic, professional and will get your finances back on track. she was not only able to make me feel back in control of my finances but made the process smooth and painless. I...
4 Pillars Barrie & Area - Debt Relief Specialists
A Google User
5 out of 5 stars
This was a big decision to make, but we wouldn't trust our finances with anyone else. 4 Pillars are a life saver for us and now we are debt free. If you are holding off in making a decision towards...
4 Pillars Barrie & Area - Debt Relief Specialists
A Google User
5 out of 5 stars
Terryl is absolutely fantastic! She makes you feel comfortable right away, and she was able to help us reduce our consumer debt to something manageable. 5 years later we are debt free and we've...
4 Pillars Barrie & Area - Debt Relief Specialists
A Google User
5 out of 5 stars
Terryl, words cannot express how amazing and helpful you are . ...