We work for you with one single goal; to find the most effective debt solution with the maximum debt reduction to improve your cash flow and rebuild your financial future immediately. Each situation is different. We could recommend that you consolidate your debt through refinancing. You may decide to file a consumer proposal with a Licensed Insolvency Trustee. There might even be an opportunity for you to deal directly with your creditors to reduce your debt. Either way, 4 Pillars offers guidance, experience, and solutions to solve your debt challenge.