The founders of 4 Pillars Consulting Group Inc. have seen the Canadian Insolvency Industry continue to grow over the last several years. Consumers are carrying more debt than ever before; with the average Canadian household having approx $67,000 of debt; with total consumer debt plus mortgage debt now equal to 105% of disposable income. The average household debt is equivalent to 121% of disposable income. (source: The Vanier Institute of the Family, The Current State of Canadian Family Finances) In today s economy, more and more Canadians are living beyond their means, thus causing increased financial stresses and bankruptcy. 4 Pillars Consulting Group Inc. has been very successful in helping thousands of clients to avoid bankruptcy and eliminate large portions of personal and business-related debt.4 Pillars Consulting Group Inc. has developed a reputation for excellence in customer service. We provide a complete and effective range of debt reduction services! With our Corporate Head Office based in Port Coquitlam, British Columbia, and 12 offices coast to coast.4 Pillars Consulting Group Inc. provides specific financial restructuring services to clients who are suffering from excessive debt, or cash flow difficulties. These services include reduction of unsecured debt, cash flow analysis, reduction of monthly payments, 0% interest repayment schedules and professional contact with creditors. The company provides a specialized service that other firms do not provide - as a Turnaround Consultant and Franchisee with 4 Pillars you work for and represent the Debtor, not their Creditors.