REDUCE YOUR DEBT BY UP TO 80%
>>>>>>>>>> What does your debt look like? <<<<<<<<<<
4 PILLARS SUDBURY
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
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…
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…
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 …
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…
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…
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…
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…
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…
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.[…]

Sudbury, ON P3C 5K7, Canada




