4 Pillars handles both individuals and families of all sizes who cannot meet their monthly minimum service payments of $10,000 or more of unsecured debt, prefer to avoid bankruptcy, have available cash flow to warrant a repayment schedule (at 0% interest) over a 36 to 60 month period and would like to relieve stress, reduce debt and take control of their finances. Unlike Trustees 4 Pillars works for their clients not the creditors.