4 Pillars cares for both individuals and families of all sizes who cannot meet their minimum monthly service payments of $10,000 or more in unsecured debt, prefer to avoid bankruptcy, have cash on hand to justify a repayment schedule (at 0% interest) over a period of 36 to 60 months and would like to relieve his stress, reduce his debts and regain control of his finances. Unlike trustees, 4 Pillars works for their clients and not for creditors.