Hear what hundreds of clients had to say

In my darkest hour I found 4 Pillars, after sharing my distress with a friend in Calgary who recommended 4 Pillars. Thanks to 4 Pillars I have now recovered my strength and confidence and am free to start over again! Susan

My Son's debt spiralled out of control

I want to express my appreciation for helping my son achieve financial stability once again. Over a period of time, my sons' debt spiralled out of control to the tune of some $90,000, due to the impact of a slowed economy on his business. It's fortunate that we found your office. You gave us excellent counsel on what steps could be taken to remedy the debt. Your professionalism stood out by treating us respectfully; with complete confidentiality. Today, as a result of successfully resolving his debt load, my son no longer feels the weight of the world on his shoulders. He's back to his old self again, living life to the fullest and enjoying family and friends once again.

We were so far in debt

I had never gone through an debt situation before and the feeling that I was letting everyone down upset me more. I was also overwhelmed on what to do. I was thinking that I will someday get money from somewhere and this problem would vanish. All this made me procrastinate, which only added stress because it was becoming difficult for us to make end meet. I was loosing sleep and my relationship was also suffering. I would thank god for helping me realize that this debts was not going away and used the services of Pradeep. I must admit initially I was a little skeptical. The reason was that I had approached Banks earlier to find out an way out this mess and I was told by them that they could not help me. They told me that I had excellent credit but was an very risky client. Like most of people I thought that Banks were the only source of advice. When I met Pradeep, he was very professional and compassionate in our meeting and explained all the options I had. He literally made me understand each step of the process, so that I knew exactly what I was doing. I was somewhat skeptical even till the end and was surprised when the creditors accepted our offer of paying back only an portion of the debt. I thank Pradeep for being so understanding of my situation and also taking off an huge burden of my shoulder.

I have never been happier with my decision on getting help from you

I would like to send this letter with great gratitude to Jennifer Croft. Before I met Jennifer, I had about $42,000 worth of debt. I was experiencing financial difficulty to a point that I had suffered from depression that created more trouble for me as I was not able to work for a while. I have called and spoken to different kinds people for financial advised and helped through advertisements, websites and even banks but were nowhere close to getting an answer on how to deal with my financial trouble that I am comfortable with. When I sat down with Jennifer, she was able to give me options that I can live with and know that I will be able to go through. It was a tremendous relief that I was able to get all straighten out in short period of time when I was dealing with this by myself for the past 5 years. She was accommodating, very compassionate but firm on making sure I understand my responsibilities and consequences if I do not abide with the contract. She was very helpful, and complete knowledge of her financial advised. With my on - going debt relief program, I am now stress free and was able to go back to work knowing that I am able to pay my debt monthly and will soon see the end of all this. My sincere thank you to Jennifer for helping me out with my financial trouble, I have never been happier with my decision on getting help from you.

My debt was reduced from $35,400 to $8,400

For the past year, my husband and I have tried to consolidate our debts. Out of luck the bank couldn't approve us. I was told by a friend to try a broker but we got the same response from the bank "DECLINED". But the broker advised us three things; first is to find a credit counselor, secondly is to file bankruptcy and lastly sell the house. This is not what I wanted to do! I did a search looking for options: I found 3 credit counselors I but wasn't really convinced about what they said about their program being the best option for me. My husband was so choked and was really depressed for the past few months and told me that he was drowning and couldn't handle our debts situation. I didn't know what else to do but keep researching and not lose hope that there is still a chance for us to save our home, our marriage, our family and our reputation. Then I found Jennifer's advertisement and responded by filling out a form. I received a phone call from Jennifer and she was so sincere and willing to provide help to us. She did not stop to encourage me throughout this process. My husband and I listened to her advice about my options, we trusted Jennifer to handle our debt problems. We also met her husband and he also explained to us the process. We had no hesitation when we decided to hire them to represent us and our best interest. We couldn't believe how this is a big relief for us and even our relationship was saved by Jennifer's help! We had an enormous debt that would take a long time to pay back. But because of 4 Pillars, my debt was reduced from $35,400 to $8400. My monthly payment is now down to $150. My husband's debt was originally $24,600 and it is now down to $7840. His new monthly payment is now $140.00. We knew that if we didn't get the help we got from Jennifer, we would have to sacrifice for a lot of years to pay off our debts due to high interest and have to work two jobs to catch up paying just the minimum every month. I am excited t be debt free sooner! With Jennifer's help with budgeting, we now maintain our monthly expenses and income according to our needs. She is also helping us with credit rebuilding so we can repair the damage we had created from our debt. John and Jennifer are a couple who is really down to earth people; the only intention is to help people like us to get out of debts. The help we got from them was so beyond from what we were expecting and truly trustworthy, professional company. We respect them so much. THANK YOU JENNIFER, you have made us believe that we still have a chance to create another GOOD LIFE!!!THANK YOU IS NOT ENOUGH!!!

Reduced my debt from $52,000 to $8,400

I was in debt by approximately $52,000.00. I was losing sleep at night worrying about all my bills, I was stressed a lot and sometimes I had trouble focusing at work. When I sat down with Jennifer, I was greeted with a smile. She explained different options that were available to me and showed me what she can do. I chose to hire her to restructure my debt down to $8,400. My one low monthly payment is now just $150 with 0% interest, and I have already started to rebuild my credit through her credit rebuilding program. Jennifer's kindness and thoughtfulness was way above my expectations and the manner in which she represented not only herself but the business she carried was very professional. Because of Jennifer, I am dealing with my debt with her help. I am less stressed and I am more knowledgeable about my financial options. I am sleeping better and I am a happier person. Dear Jennifer, thank you so much for helping me with my problems!

The stress was becoming unbearable

We would like to express our appreciation and our thanks to John in regards to how he has helped us with the heavy debt load we were carrying. It started a few years ago, when we decided to start our own business, we felt it seemed to be going well but then work was not coming in as we expected it should and no one was wanting to pay when invoices were sent out. We were paying all the expenses with our personal credit cards which were starting to pile up. We decided to sell our home, thinking this would help, but all it did was relieve the stress for a short period of time. By this time the stress was becoming unbearable. We began looking at other options, in regards to paying off our debt. We went to three different banks to see whether we could consolidate our debt but no one was willing to help us out. I began searching the internet for options as I had heard there were some available. I came upon John's company through the internet and liked the options and so I decided to call. Our first meeting was scheduled and we met with John in his office. John was very respectful, professional, and kind and never once did he make us feel uncomfortable. He told us our options, how he could work with the creditors and also what they would do for us in regards to rebuilding our credit. We felt this was just too good to be true. We made our decision the first meeting we had with John and felt very content knowing that there was someone out there that was willing to help us out. I am very happy to say that because of John we are now paying off our debt at a monthly fee that we can handle and we feel so relieved and the stress and pressure are gone. If someone were to ask me whether the results were exactly what I expected them to be I would have to say a big YES, John went above and beyond of what was expected of him. He never let us down on any of the situations we needed to go through and he stood by us with his support and encouragement. There were times that I felt, how was I going to manage the next step, but with John, he was calm and cool and just told us to trust him and we did. From the bottom of our hearts, we want to thank John! He has made our lives so much easier and we are truly grateful!!!

You always kept your word, and you are a very kind person.

Dear Jennifer, Thank you for helping me with my debt....I was in very hard situation with all my debt. I couldn't focus on work, I couldn't sleep at night, and I was stressed. I tried to fix it by re loaning again so I can pay first the one who has the higher interest but I noticed that the financial institution that I'm borrowing money from, the interest was also so high. I had 2 jobs to try to pay off my debt. When I met you, you never think twice to help me. You help me by explaining everything to me like I was one of your good friend that is in need for help, by cutting my debt with no interest and helping me rebuilding my credit. And most of all, you treated me with respect. You are very professional and I trust you. You always kept your word, and you are a very kind person. Because of you, I can now focus on my career, I can sleep good at night, my stress is gone, and most of all I have a wide knowledge towards managing my financial problem, because you are there to guide me and help me along the way. And you always give me a call to ask me if there's anything more you can do to help me... Thank you very much for helping me and solving my financial difficulties! Sincerely yours, Ejay S

I feel that John is a miracle-worker and savior.

Before I met John Croft, I had an approximate $55,000 worth of debt. I had been experiencing financial difficulties for some time resulting in lots of stress, sleepless nights, fatigue - filled days, lack of concentration at work, a sense of helplessness, overwhelming burden of responsibility and fear of possible outcomes. All of these led me into Depression and I ended up on anti - depressants. When I met John, first and foremost I was relieved to discover that he could help me. He presented me with options to pay back my debt: pay it back in full, or declare bankruptcy (he explained that I had the option to keep my home or let it go), or consolidate my debts and cut them up to one - third of the amount I owed and make arrangements for small monthly payments. Throughout our consultation process, John was respectful, genuinely concerned, thorough, honest as well as sensitive to my situation and feelings. While he expressed his opinion of my best option, he did not try to influence me and allowed me to make up my own decision. Neither did he pressure me into making a quick decision. Now I don't feel helpless because, with John's assistance, I have a handle over my finances and, being a single mom I can take better care of my family. I feel that John is a miracle - worker and saviour, because my debt has been cut and I am making manageable monthly payments towards it. I am thankful to God for putting John in my path and grateful for the opportunity of working with such a wonderful person. John realizes that even those who do their best to manage their finances can end up in dire situations and is very empathetic. I would recommend John to anyone struggling with debts and financial problems in a heart's beat.

JOHN NOT ONLY REDUCED MY DEBT, HE REDUCED MY BLOOD PRESSURE!

I highly recommend my and family friends to see John and Jennifer for their service. I am so comfortable with their service. John listened to my situation I told him I didn't have much money but I had high debts yet he helped me anyway. I am glad I am able to pay back my debt now and he made my life easier for me. JOHN NOT ONLY REDUCED MY DEBT, HE REDUCED MY BLOOD PRESSURE! It was high and now it's normal!! Now I don't have to go on a diet anymore lol!

I feel free from all those worries

Before I met Jennifer, I had $10,000 worth of debt plus interest that were so high. I was experiencing financial hardship, I couldn't think straight, or focus on what I have to do. I was finding it especially difficult to sleep at night. When I sat down with Jennifer, she was able to help me with my serious money problems. She explained to me what my options are, what I need to do and what to expect. What I am especially the most thankful for is I can now say that I am able pay back my debts that Jennifer helped reduced with no interest and have myself back on track. She was so patient listening to my stories and she explained how important it is to have a budget and save and she made sure I am comfortable in all of our meetings. Now I feel no worries at all. I feel free from all those worries thinking how I can pay it all but now that my debt has been cut. I am thankful for not having a 2nd thought of calling Jennifer's office and so thankful to her so much because without her advices and help, I wouldn't have been able to start my life anew... Thanx Jenn for making my life easier and this time I'm wiser because of your advice and counsel. Thank you so much! God bless!

Other financial consultants could not hold a candle to 4 Pillars

From the very first phone call, I could tell immediately that John and Jennifer were highly professional, yet warm, engaging and genuinely interested in their client's needs. Through my experience with them I have been consistently impressed with their level of service and how specifically they tailored their scope of work to my particular needs. Before I met John and Jennifer I had interviewed two other financial consultants and in comparison with 4 Pillars the others could not hold a candle, and I mean that very definitely; One of the service providers was clearly not client focused, and the other one lacked knowledge. John and Jennifer met all of my needs including being client focused and highly knowledgeable. On top of that, both John and Jennifer and their office manager Lily are genuinely pleasant people, and their personalities are well suited to the kind of business they are in; assisting people with debt management. This can be a stressful time for their clients, yet through it all they give their clients a sense of calm assuredness which ensured I felt that I was being supported by people who truly cared. I highly recommend them!

I used to dread hearing the ring on my telephone

I used to dread hearing the ring on my telephone. It felt like there was always a bill collector wanting money. Before I met Jennifer, I had $43,000 worth of debt. I tried for years to make it go away. The stress was always there day and night. Whenever I would make any money, it would always get gobbled by the debt. When I met with Jennifer, I was able to see a way to have a real solution. She was able to explain things to me in a meaningful way without me feeling like I was being dehumanized. I have spoken to other so called "experts" in the past who had very little clue how the financial world worked. Jennifer knew the options and she helped me choose what was best for me. I have met with many other "experts" who have an agenda of selling their product which was not the best product for me. For example, I have a friend who declared bankruptcy over $6,000! The "expert" she talked to wanted to sell a bankruptcy. She was bullied into doing it so the "expert" can get the sale no matter how bad it was for my friend. Jennifer will never do that. She is a person of integrity and I would trust her advice again in the future. If you want your freedom back - call Jennifer!

She took my debt from $32,000 to $9,600

Before I called Jennifer I was up to my neck in debt. Not really understanding the true value of money and it's worth made it very easy to rack up credit card debt. I got a second job and was struggling trying to pay over $700 monthly just making the minimum payments. After spending over a year stressed and tired from working 60 hours a week I was referred to Jennifer Croft by a friend who was also helped by 4Pillars. I explained my situation to Jennifer and she immediately took action! She took my debt from $32,000 to $9,600. My experience with Jennifer was amazing!! She was very understandable and knowledgeable and was always available any time I had questions. Instead of paying over $700 per month towards my debt I now pay $160. I've been able to quit my second job and actually start saving money. Doing a proposal with Jennifer Croft was the smartest choice I've made.

To: Mr. John Croft Like most of the teenagers, I had never cared about my credit rating during my teenage life. Although, my parents tried their best to explain me the importance of Credit history, but I never bothered. I was getting tired of all the calls from Collection Agencies & being denied for anything I will apply for. Once, I realized my mistake, most of the people told me that it was too late and that I will probably be paying back the companies that I owe for years before I can get my mistake rectified. I tried other consolidation companies before but they were more concerned about their fees, than my situation. Most of them will not even open my file until I pay their fees. Finally, through word of mouth at the airport, where I used to work, I was made aware of 4Pillars. I contacted Mr. John Croft and he sat down with me and explained to me all my alternatives. Due to numerous failures, I had a lot of questions for him and he was very patient with me and took time to answer all my inquiries. I have now already started my initial steps to rectify all the issues on my credit report and I still haven't paid full fees of this program. This proved to me and to all the people that I am talking to about this company, that the solution to your problem is their first priority. I can't thank them enough but my sincere thanks to Mr. John Croft and his team who made, what other people told me that it was impossible, so easy and conveniently possible. I wish 4Pillar's team all the best with the great work that you are doing and helping individuals like me to get a second chance to be a better citizen with a better credit history. Best Regards, Dave

Family Health Problems Fixed

I would like to start by saying how grateful I am for having met Jennifer and John Croft, along with everybody at 4 Pillars Calgary. Just a few months ago my family was in deep debt and I was extremely stressed, I felt desperate and hopeless. I kept hearing the word bankruptcy and it made me feel terrified. Our circumstances were delicate because of my daughter's health. She had been born premature and had to be hospitalized for almost a year. Once she came home, she had a tracheostomy and was put on oxygen so she required 24/7 care. I wasn't able to go back to work full time so we relied on my husband's sole income for almost 3 years. This put us in a very complicated financial situation. This all changed the minute I spoke to John and Jennifer Croft. They immediately made me feel like there was hope and gave me a sense of relief. They offered me great advice and showed me how to manage my debt in the best way possible for my family. Not once did they made me feel bad or guilty about my debt, instead they made me feel understood and they offered my financial counselling that allowed my family not only to manage our debt in a healthy manner but also to manage our budget wisely. John and Jennifer Croft are incredible knowledgeable and generous people that treated me with humanity and kindness. I cannot say enough about them. I am forever grateful for all their help. Thanks to them my family is now in a healthy route to financial balance. Thank you!

Personal Support Regarding Financial Difficulties

I would like to send my big thank you for the awesome help I have received from you personally and the rest of your staff. I must admit that i was hesitant at first, but after thoroughly reading info from your website and listening to your convincing video ad , I would have to say I took the first step because of that. From day one being unsure of what to expect to the day the proposal was signed, I was more than happy with the personal service I received. It is the best choice I have done so far in regards to personal financing.The relief I now have knowing that I do not have to deal with stressful financial obligations, but instead steady worry free payments. Thank you so much! It wasn't easy to accept this is happening but YOU made everything ok for me and my family. I wish you the best in your profession, I know that your being a beautiful person inside and out will take you to helping more people in need.

Friendly Staff at 4 Pillars Calgary

It is difficult to meet people as caring and understanding as John & Jennifer Croft at 4 Pillars Calgary. During such a difficult and daunting time, their ability to educate and willingness to provide sound advice was paramount to my ability to move forward. This combined with a welcoming staff and accepting atmosphere made a very difficult situation quite manageable and somewhat relieving. On a personal note, John and Jennifer are an inspiration and treat their clients as a family, which was refreshing and sets a standard that any organization could learn from. Thank you both very much for developing a solution that was suited to my circumstances and especially for continuing to walk with me, at my pace, along the way. Your Friend, Will

Wish I Had Called Sooner

I do tell all the people that are close to me that I am so glad I found you. And I tell people that I think could benefit from your services to contact you. MY ONLY REGRET IS NOT COMING IN TO SEE YOU SOONER!!! I suffered for so many years but the process was painless and enlightening. I am no longer embarrassed for what happened and starting over isn't as awful as I thought it was going to be. Thank you John - your professionalism saved my life and allowed me to continue to provide for my son.

Your Credit Rebuilding Worked

I met someone that I allowed to con me financially and put my credit rating in the toilet. I found John and Jennifer and they coached me into re-building my credit and regain my self respect. Through them I was able to start repaying my creditors and avoid bankruptcy. I have been able to increase my payments so I can chop a few months off! I have learned many lessons along the way and I feel very positive about my future I have an enormous amount of gratitude to John and Jennifer for all their support and I appreciate their non judgemental attitude and encouragement. Thank you so much for the difference you have made in my life!

Try them, you won't be disappointed

During the summer of 2013, I contacted Jennifer Croft at 4 Pillars to discuss my financial situation. I was convinced my situation was bleak. I was seriously considering A: declaring bankruptcy, or B: leaving Canada for at least the next ten years. Jennifer assured me that where ever there is a problem, there is always a solution. She assured me that her husband John and her could, given some time, find a solution to my financial issues. She was telling the truth. She was not lying. She was able to put together a financial plan that was rational, practical, and above all else, realistic and attainable. That they delivered on that promise. They made a plan for me, and executed it. They really help me get my financial life back in order and I am living like a normal person again. Jennifer and John at 4 Pillars Calgary: Honesty, clarity, respectable at all times. I suggest them often. Use them if you must. You won't be disappointed!

Facing huge personal losses

My name is Patricia and I was a client of 4 Pillars Calgary in 2012. I was referred by my accountant Rob as he saw all my expense and the struggle I was going through to keep my head above water. I was very nervous going as I never been in this situation of financial debt. With all I have been through in my life from divorce and losing my business, and family passing,I thought life couldn't get better. Then I meet John and his beautiful wife Jen and not only did they make me feel better that life goes on and will get better they treated me like I was family. I have been discharged as of may of 2013 and slowly but surely I m on my way to the top. I'm so grateful for them and what they did for me, and tell anyone I know, and those who are afraid like me there is help for financial debt, with John and Jen your not alone there with you every step of the way. Thank you so much!

Highly Recommended!

When I first thought about trying to get rid of my debt, the thought was overwhelming and embarrassing. I felt so lost & confused about where to even start that I usually just said forget it. When I came across 4 Pillars I was intrigued. When I met with Jennifer and she talked me through the process that was best for me I felt like there was hope. Before I even made my final decision to proceed there was a weight lifted off my shoulders. Now that my debt is gone, and my credit has hope for improvement. I am so happy that I decided to work with 4 Pillars & Jennifer. They made the process easy, and more importantly they took the embarrassment away! I HIGHLY recommend them! And I encourage anyone on the fence about using their services to jump off and just do it, you'll be so glad you did!

She took my debt from $32,000 to $9,600

Before I called Jennifer I was up to my neck in debt. Not really understanding the true value of money and it's worth made it very easy to rack up credit card debt. I got a second job and was struggling trying to pay over $700 monthly just making the minimum payments. After spending over a year stressed and tired from working 60 hours a week I was referred to Jennifer Croft by a friend who was also helped by 4Pillars. I explained my situation to Jennifer and she immediately took action! She took my debt from $32,000 to $9,600. My experience with Jennifer was amazing!! She was very understandable and knowledgeable and was always available any time I had questions. Instead of paying over $700 per month towards my debt I now pay $160. I've been able to quit my second job and actually start saving money. Doing a proposal with Jennifer Croft was the smartest choice I've made.

My life before was like a roller coaster. I used my credit cards every time I went out then pay them back. I had a good job, in fact I had two jobs before. Banks were offering me an increase to limits and I was always tempted until one day there was nowhere to run. I thank God I found 4 Pillars. At first it was hard for me to admit that I can't pay my debts anymore. I was terrified thinking I would have to go bankrupt. I was scared every time the phone range though I knew that it was also my responsibility to pay my debts. I'm a single Mom an I've been through a lot of circumstances, bad choices, and wrong priorities in life. My Mom had a stroke in the Philippines and I needed to help her, my children need me, and I got hospitalized for 3.5 months it was a stressful time. Then I sat down to think and realized that I really needed help. It's a good thing 4 Pillars never stopped offering their help. My first meeting with Pradeep I felt so ashamed at myself and had to tell him at the same time but I never seen in his eyes any condemnation. Everything he said was positive and a solution to my big problem. After everything was done, I got peace of mind. I don't want to take away that peace of mind I have right now. I have lessened my load! So I have to be smart how to spend my money and work not to spend more than what I earn. I am more cautious on what I buy by double and triple asking myself "Do I really need this? or "Does my son really need this?" My life after 4 Pillars? I'm working for a brighter future and I have to change my priorities for my kids and for myself.

I had gone to an trustee for a credit session and I left feeling deflated and lost. I waited 9 months trying to find another way out of this mess. I came across an ad by 4Pillars and Pradeep, had our meeting and left instant relief and hope. The process was so much less stressful. Pradeep worked for me, with me and not for the creditors. My Plan went thru and at an payment that is manageable and less than half of what the trustee wanted. Now no more headaches and I can move ahead. I would strongly recommend any person who is in debt and looking for an solution, to start working immediately with him and I am sure you will also feel the way I am feeling right now. I can't thank Pradeep enough.

We praise and thanks God Since we had these bad debts our life become so hard, we worked so hard to pay our debts but nothing is happenning. It seems like we burried to this financial problem. Till we meet you guys. We are so thankful to God that he give you guys to us an instrument to get out of our financial problem you guys are trully blessingto us, you are amazing to talk to and did'nt make us feel bad for our situation you always treated us in a caring professional manner not criticism. soon we are able to enjoy life again, We always be grateful and highly recommend your office to our family, friends and anyone who is having financial difficulty We appreciate what you've done to us. Thanks for giving us a fresh start. Thank you! Thank you! very much 4 Pillars GOD BLESS!!! J & N

We had incurred debt due to some poor choices and some due to circumstances. Frankly we did not know how to pay it. But because of 4 Pillars and Pradeep, our debt was reduced from $70,000 to $18,000. Our monthly payment is now down to $300. We had sacrificed a lot, to pay off our debts due to high interest and to catch up paying just the minimum every month. Bill was working two jobs for us to keep up with the payment required. We never had any savings and our kids did not got the stuff other kids get for themselves. We are now excited to be debt free sooner! I would strongly advice not to listen to the people who scare you about damage to credit. I now understand what Pradeep meant, when he said "Credit damage due to our option is temporary but financial damage because of servicing debts is permanent". Those creditors or companies want you to continue paying the minimum payments. Because I had talked to an couple of other companies and individuals, I was overwhelmed with the information I had got. This forced me not to take any action. Now I understand that some of the information I had got from my search earlier was not at all correct. I only wish that I had come into contact with Pradeep earlier so that I could have taken action sooner. I can definitely say that Pradeep is passionate about his work. The help we got from him was beyond our expectations. We both truly respect you too much because you believed in us when no other person was not ready to help us. If I am able to help you in anyway please let me know!!

Everyone at 4 Pillars is friendly, accommodating, understanding and supportive-great team! They earned my trust right away!

Before I met Pradeep, I had an approximate $50,000 worth of debt. These debts were because of some other things going on in my life. I am an single mom trying to raise kids on my own. These debts were there for some time which resulted in lots of stress, overwhelmness, a sense of helplessness sleepless nights, lack of concentration at work, , and fear of possible outcomes. All of these led me in to having health issues and I ended up on anti - depressants and other drugs. When I met Pradeep, first and foremost the best things was to know that he could help me. He presented me with all my options to pay back my debt. I was also made aware that as an part of the plan the debts would be cut to one - third of the amount I owed i.e $15,000 and make arrangements for affordable monthly payments. Throughout our consultation process, Pradeep was respectful, genuinely concerned, thorough, honest and I never felt he was trying to insult me or take advantage of my situation and feelings. While he expressed his opinion of my best option, he allowed me to make up my own decision. Neither was any pressure on me into making a quick decision. I have a handle over my finances and I now don't feel helpless at all. I feel that Pradeep is an magician at work as well an saviour, because my debt has been cut and I am making manageable monthly payments towards it. I never knew that this option was there. Some of the other companies were driving me away from this option as it did not benefit them. I am grateful for the opportunity of working with such a wonderful person. Pradeep realizes that most of the people who are in debt is because of an situation or circumstances in life and it does not reflect on who that individual is.. I find about him is the passion in him to help without getting excited or hard pressed sales speech I would recommend Pradeep to anyone struggling with debts and financial problems in a heart's beat. 2014 is going to be a great year for me and my kids!!

You are God's instruments to help my family

Feeling at the end of our rope - - with no where to turn...this feeling left completely talking with Darrell. He put us at ease immediately and was so kind and understanding. He goes beyond the business deal aspect and treated us with utmost respect and empathy for our situation. Darrell was very efficient and honest in his dealings with us. There was no wasting of time or delays, he is a professional all the way!! With a total debt of $67,500.00 that was reduced by $43,000.00 - leaving us owing $24,000.00 to pay back. Thanks for saving our lives Darrell!!!

Everything was beyond my expectations!

Darrell made Tom and I feel very much at ease the first time we met him. He was very understanding with our problem. I cannt say enough about his kindness towards Tom and I. I am yours.

Great service, very thorough and personalized. They do plenty of follow up and support as well they provide you with a number of tools to help you achieve and maintain your goal. Provided me with a variety of solutions, but ultimately recommended what would be best in the long run.These guys are the real thing. I would recommend them to my friends.

I really appreciated the help I got at 4-pillars, they really provided me with the help I needed with my financial situation, and they kept me up to date with what was going on, and most of all they help me see how to handle my money in the future. Definately 5 stars goes out to them

I would like to thank Anna for being so nice and patient to me...and also your company for helping me out in my situation....thank you and have a nice day...

Anna is a very nice lady. She helped us understand what we needed to know. I would highly recommend her to our friends.

Andrea is very friendly and accomodating when answering our concerns

There are no words to describe what Darrell Pauls did for me and my husband. We were so far in debt that we just kept paying all the minimum payments but not getting anywhere. The first phone call to Darrell was a big relief just to tell someone what was happening and then to hear that he could help us. Darrell was always so professional and non-judgemental. He was always just a phone call or email away and he walked me through every step. He represented our interests and negotiated a Consumer Proposal we never thought was possible. I would highly recommend Darrell to anyone. My only regret is that I did not call him sooner and save so much more money in interest payments. Thank you Darrell for giving us back our lives!

All the counsellors we've met are absolutely knowledgeable..they dealt us nicely and professionally...they discussed to us with concern and care...thank you for all your support. All the staff are nice and helpful. Thank you so much for everything that you do. May you help more people like me.

Our advisor Andrea is so nice, friendly and approachable. I like that I am treated as an individual. The setting is comfortable and eased my nerves. Thank you for your assistance. From, Jodie

Before we met Darrell at 4 pillars we were drowning in debt and literally not sleeping from financial worry and stress. We had gone to several different debt consolidation companies asking for help but the "solutions" that they were offering would have made us worse off than we already were. My husband found Darrell through an add on Facebook and told me what he could do for us. I honestly thought it sounded too good to be true, but after the first time we met with Darrell I felt there was hope again, light at the end of the tunnel. Darrell and his wife Carolyn helped us do a consumer proposal which significantly reduced our debt load. They gave us the tools we needed to manage our finances and had us rebuilding our credit right away. They were there for us every step of the way through the whole process. I have recommended Darrell and 4pillars consulting to everyone I know. They are wonderful people who literally gave my family and I a fresh start in life!

I feel good after talking to Shannon about everything going on now a days. I feel that my partner felt the same way too. Thanks for the support and help. I was assisted by Andrea in South Calgary. Very helpful from the start and gives you the right information you need to know. They treat their clients like family that they are there to help you.Thank you very much! Janelle was very helpful and I really felt she had my best interest in mind at all times! I plan to refer your services to my friend who is on the same boat as I am on her financial issues. I want to say THANK YOU to 4 pillars, Nicole, Tim, Janelle, Andrea who HELP me and gave their services, directed me on what to do. I have been living in hell with my financial issues when I got to know 4 pillars I utter the word HOPE. We are on our way of putting our life back together. Again more power and the almighty GOD bless you. elizabeth

With 4 Pillars consumer proposal program we are able to pay off our debts, rebuild our credit and start saving money.

All staff was great to deal with. Fast and efficient service I found it to be. You certainly know you job and found to actually care about people too. Don't see that everyday now. Thank you very much for your help on this.

Shannon is very friendly and accomodating when answering our concernsShannon was very friendly,nice and very approachable.She explained everything so clearly.I will highly likely recommend it to people.Your company is very helpful to a person like me who badly need help.Thank you so much and God bless you all

4 Pillars help us go back on track. We had creditors calling us before our proposal and scared of answering the phone. Now with the help of 4 Pillars we can sleep throughout the night and not be worrying about the creditors. Thank you.

4 Pillars Calgary really motivated me to be out of debt and be stress free.

I had a wonderful time and lot of advices I got from Shannon..thanks a lot!