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4 PILLARS DEBT RELIEF SPECIALIST

  • ■ 97% of families successfully complete the plans we create and become debt free.
  • ■ On average, our clients have been able to eliminate 80% of their debts.
  • ■ Our plans are 100% legal and have helped thousands of families and individuals.
  • ■ We Support local financial literacy initiatives and offer education to families in debt.

REDUCE YOUR DEBT BY UP TO 80%

$20,000

$5,000

$100,000

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


4 PILLARS MUSKOKA

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. 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…

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…

Read More

YOU’RE NOT ALONE

4 Pillars helps Canadians restructure almost

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

Using Your Credit Cards Like Cash – Prevent You Balances From Spiralling Out of Control

It is easy to fall deeper into debt if you aren’t regularly monitoring your finances and spending. Credit cards are one of the most readily available and dangerous tools for unsuspecting consumers. In Canada, nearly half of all credit card holders carry some credit card debt. Many cards offer high spending limits that go hand-in-hand with high interest rates, as well as optional cash withdrawals that come with even higher interest rates. […]

4 Pillars Debt Solutions – The Best Choice for Debt Relief

It can be confusing figuring out where to turn when you are struggling with debt and looking to get your finances back on track. 4 Pillars Debt Solutions of Muskoka & Parry Sound has extensive debt relief experience and an approach to debt restructuring that always puts YOU first, not your creditors. We will advocate for you and work to get you the best possible outcome.[…]

Bankruptcy or Consumer proposal – What’s the Difference?

When debt becomes overwhelming and unmanageable, it’s important to know that there are solutions. Two options available to you are a consumer proposal and bankruptcy. It’s important to understand what these options mean and how they differ, in order to determine which is the correct path for you.[…]

Using Your Credit Cards Like Cash – Prevent You Balances From Spiralling Out of Control

It is easy to fall deeper into debt if you aren’t regularly monitoring your finances and spending. Credit cards are one of the most readily available and dangerous tools for unsuspecting consumers. In Canada, nearly half of all credit card holders carry some credit card debt. Many cards offer high spending limits that go hand-in-hand with high interest rates, as well as optional cash withdrawals that come with even higher interest rates. […]

4 Pillars Debt Solutions – The Best Choice for Debt Relief

It can be confusing figuring out where to turn when you are struggling with debt and looking to get your finances back on track. 4 Pillars Debt Solutions of Muskoka & Parry Sound has extensive debt relief experience and an approach to debt restructuring that always puts YOU first, not your creditors. We will advocate for you and work to get you the best possible outcome.[…]

Bankruptcy or Consumer proposal – What’s the Difference?

When debt becomes overwhelming and unmanageable, it’s important to know that there are solutions. Two options available to you are a consumer proposal and bankruptcy. It’s important to understand what these options mean and how they differ, in order to determine which is the correct path for you.[…]

The Locations We Serve

Here is the list of towns that we serve
GravenhurstBracebridgeHuntsville,BaysvilleMinett
BalaMac TierVan KoughnetSprucedale Parry Sound
Burk's FallsSundridgeMagnetawanPort LoringPort Sandfield
Honey HarbourDorsetKearneySouth RiverNobel

Learn More.

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




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4 Pillars Muskoka / Parry Sound - Debt Relief Specialists
4 Pillars Muskoka / Parry Sound - Debt Relief Specialists
5 out of 5 stars
10 reviews
1 Crescent Rd
Huntsville, ON P1H 1Z6, Canada
(705) 640-0187
4 Pillars Muskoka / Parry Sound - Debt Relief Specialists
karen ridge
5 out of 5 stars
The 4 Pillars Muskoka team really look out for the client. Their results are top notch and their client care is evident. If you are looking to get out of debt, I couldn’t imagine recommending...
4 Pillars Muskoka / Parry Sound - Debt Relief Specialists
James Zantingh
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 Muskoka / Parry Sound - Debt Relief Specialists
Geoff Alan
5 out of 5 stars
I have had the opportunity to personally work with 4 Pillars on a professional level. It is nice to know that Ryan and his team are real people who are involved in our community, and are truly...
4 Pillars Muskoka / Parry Sound - Debt Relief Specialists
Caitlin Chapman
5 out of 5 stars
4 Pillars does what they say they are going to do, when they say they are going to do it. If you are looking to become debt free and start planning for the future, then 4 Pillars is the right...
4 Pillars Muskoka / Parry Sound - Debt Relief Specialists
Madison Low
5 out of 5 stars
I trust Ryan and 4 Pillars with any clients that I may need to send to them. I know they will work to put the best plan in place for my client. 4 Pillars represents the client and only the client....