At 4 Pillars, we help you find the most effective debt option for your situation. Our goal is to help you resolve your immediate financial crisis, immediately fix your cash flow, and rebuild your financial future with ongoing education. Each situation is different. Think of us as an independent advocate, helping YOU decide which option will most effectively deal with your debt and allow you to regain control of your financial future. From your local bank to Licensed Insolvency Trustees to credit counseling to debt refinancing—there are many different types of options (all with their own costs, pros, and cons) trying to win your money. 4 Pillars offers an independent view.