Debt Restructuring 4 Pillars consultants offer a variety of services specific to people in debt. We’ll outline the options available to you and walk you through the process. Your debt solution will likely be one of the following, which we will manage on your behalf: Consumer Proposals A viable restructuring option for over 45,000 Canadians a year, a Consumer Proposal allows the consumer to seek legal protection from their creditors and pay back only a portion of what is owed. Learn more about consumer proposals... Bankruptcy Seeking bankruptcy protection is occasionally the only option. We’ll help you through it, and show you how to avoid it ever happening again. The 4 Pillars promise is helping you get out of debt today but never being a client again with our Clients for Life® full circle opportunities.