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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 SUDBURY

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…

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.

How to Set Up a Monthly Budget

Creating a monthly budget is a great way to kick-start debt-free living and add to your savings. A budget is a great financial tool, whether you are looking to reduce your existing debt or simply gain a better understanding of your spending habits. It allows you to determine how much money you have available to spend, prioritize spending on what’s most important, and figure out how much money you have leftover each month.[…]

4 Pillars Debt Solutions – The Best Choice for Debt Relief

4 Pillars Debt Solutions of Sudbury has extensive experience in debt relief and an approach to debt restructuring that always puts YOU first, not your creditors. It’s confusing knowing where to turn when you are struggling with debt and looking to get your finances back on track. 4 Pillars will advocate for you and negotiate to get you the best possible outcome.[…]

Bankruptcy or Consumer proposal – Which One is Right for Me?

Understanding your options when faced with debt can be stressful and quite frankly, confusing. Although struggling with debt can be overwhelming, it’s important to know that there are solutions to help you get back on track. While you’ve likely heard of bankruptcy, another option available to you is a consumer proposal. It’s important to understand what these options mean and how they differ, so you can restructure your debt in the most effective way.[…]

How to Set Up a Monthly Budget

Creating a monthly budget is a great way to kick-start debt-free living and add to your savings. A budget is a great financial tool, whether you are looking to reduce your existing debt or simply gain a better understanding of your spending habits. It allows you to determine how much money you have available to spend, prioritize spending on what’s most important, and figure out how much money you have leftover each month.[…]

4 Pillars Debt Solutions – The Best Choice for Debt Relief

4 Pillars Debt Solutions of Sudbury has extensive experience in debt relief and an approach to debt restructuring that always puts YOU first, not your creditors. It’s confusing knowing where to turn when you are struggling with debt and looking to get your finances back on track. 4 Pillars will advocate for you and negotiate to get you the best possible outcome.[…]

Bankruptcy or Consumer proposal – Which One is Right for Me?

Understanding your options when faced with debt can be stressful and quite frankly, confusing. Although struggling with debt can be overwhelming, it’s important to know that there are solutions to help you get back on track. While you’ve likely heard of bankruptcy, another option available to you is a consumer proposal. It’s important to understand what these options mean and how they differ, so you can restructure your debt in the most effective way.[…]

Learn More.

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




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4 Pillars Greater Sudbury - Debt Relief Specialists
4 Pillars Greater Sudbury - Debt Relief Specialists
5 out of 5 stars
10 reviews
430 Notre Dame Ave #203
Sudbury, ON P3C 5K7, Canada
(705) 806-1252
4 Pillars Greater Sudbury - Debt Relief Specialists
Sharon Adams
5 out of 5 stars
I have referred 4 Pillars, Sudbury to a friend of mine who is having financial difficulty and will refer anyone else I know who is having financial difficulty to them as well. They made this very...
4 Pillars Greater Sudbury - Debt Relief Specialists
A Google User
5 out of 5 stars
We used 4 pillars and we are on our way to brighter days Ryan his lovely wife and staff are truly hero's in my eye thank you 4 pillars
4 Pillars Greater Sudbury - Debt Relief Specialists
A Google User
5 out of 5 stars
4 Pillars are on the clients side! So refreshing to have these guys in our corner when navigating tough financial situations. The right advice!
4 Pillars Greater Sudbury - Debt Relief Specialists
A Google User
5 out of 5 stars
We have recommended Ryan Brown at 4 Pillars in a professional capacity on several occasions. We have found Ryan and his staff to be both professional and courteous, and in many cases they have...
4 Pillars Greater Sudbury - Debt Relief Specialists
A Google User
5 out of 5 stars
I was back against a wall financially, no breathing room from an extremely unbendable and misinformed Revenue Canada Collection Office. An audit had produced an arrears figure that was...