Hear what hundreds of clients had to say

I was really worried and stress how to cope up my bills payments.Until I got an email from 4 Pillars which I did not hesitate to book an appointment right away. When I arrived at the office I was greeted with a warm welcome in our dialect with Jennifer so I felt at ease and comfortable. And all of them are approachable with a smiling faces. Now my proposal was approved I'm happy and have peace of mind. No more worries and stress free. So I'm very grateful and very thankful for the great help solving my financial problems.Words can't even express my feelings. And I can save now for my holidays next year visiting my families. Thanks again to Anna and all the staff at 4 Pillars. Truly yours, Mar O.

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. I chose to hire John and Jennifer to help me 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 their credit rebuilding program.

Anna, I just wanted to thank you for all your hard work and help. I have felt like a great burden had been lifted from my shoulders and heart. I smile and laugh more freely I am enjoying life with my family . I will recommend 4Pillars to anyone that I know who needs help. -----Dave I was really worried and stress how to cope up my bills payments.Until I got an email from 4 Pillars which I did not hesitate to book an appointment right away. When I arrived at the office I was greeted with a warm welcome in our dialect with Jennifer so I felt at ease and comfortable. And all of them are approachable with a smiling faces. Now my proposal was approved I'm happy and have peace of mind. No more worries and stress free. So I'm very grateful and very thankful for the great help solving my financial problems. Words can't even express my feelings. And I can save now for my holidays next year visiting my families. Thanks again to Jennifer, Anna and all staff at 4 Pillars. Truly yours, Rita

Dear Jennifer, Thank you so much for helping me with my debt! I was at the end of my rope when I met you. I had been struggling with this financial difficulty for 2 years, having 3 jobs, working 16 hours a day, stressed all the time, unable to focus, and marital conflict, just to name a few. Then you explained to me that I have options and I can do something about this debt. Because of your help, I was able to reclaim my life. Literally, you have helped me live again. Thank you so much and God bless you, Emily

Before I met Jennifer, my husband and I had $45,000 worth of debt. I was so helpless and depressed, couldn’t sleep well, feeling so stressed and my husband and I ended up fighting over discussing how to pay our monthly bills and high interest credit cards. John and Jennifer helped us cut our debts, pay 0% interest and rebuild credit. Right now, I came back to my old self, less stressed, financially and emotionally satisfied and with better budgeting skills. We can now start saving for a better future to our kids. To Jen and John---a million thanks!

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. 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 John and Jennifer’s advertisement and responded by filling out a form. We were contact by John and Jennifer the next day. My husband and I listened to their advice about my options, we trusted them to handle our debt problems. We had no hesitation when we decided to hire them to represent us and our best interest. We had an enormous debt that would take a long time to pay back. But because of their help, my debt was reduced from $35,400 to $8,400. My monthly payment is now down to $150. My husband’s debt was originally $24,600 and it is now down to $7,840. His new monthly payment is now $140.00. We knew that if we didn’t get the help we got from John and 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 to be debt free sooner! With their 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. Sincerely, D. Reyes

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 John and Jennifer, I was able to see a way to have a real solution. They were 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. John and Jennifer knew the options and 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. John and Jennifer will never do that. They are people of integrity and I would trust her advice again in the future. If you want your freedom back - call John and Jennifer!

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 them by a friend. I explained my situation and they immediately took action! They 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’s help was the smartest choice I’ve made.

Over the last few years I had managed to run up $150k in unsecured debt. Mainly credit cards and line of credit. I had approached the banks to secure a loan to pay off the debts, but because of the high minimum payments, I was not able to qualify for the payments, which would have been less than my minimum payments each month! Because of the high balances I was carrying, the interest rates kept creeping up and it was becoming a challenge just to make the minimum payments. I was losing sleep, and it was stressful for me and my family, just trying to make ends meet. I was constantly searching the internet for solutions to my predicament when I came across John and Jennifer’s website. I contacted them and they assured me over the phone that they could help me out. I must admit initially I was a little skeptical. I met with them and they were able to discuss various options. They seemed genuinely sympathetic to my situation. We were able to come up with a strategy whereby we would offer a proposal based on what I could afford to repay on a monthly basis over a 60 month period. The settlement was agreed to by all parties (a pleasant surprise as I was still somewhat skeptical) and now I have a fixed monthly payment repaying a portion of the total debt, interest free. Having a strategy in place, and the ability to make my monthly payments has taken a huge burden off my back, and I sincerely thank John and Jennifer for all their help.

After my divorce, I found myself facing financial trouble – credit cards out of control, bill payments falling behind, not able to make ends meet. I was staring at over $60K in un-payable debt. Then I met John and Jennifer. During our first meeting, they gave me options on how to fix my financial picture which consisted of debt repayment, debt reduction and a solid plan on how to rebuild my credit future. With their help, I am now on the road to financial recovery and looking forward to my clean slate. Without John and Jennifer’s help, I’m not sure where I’d be today. Sincerely, Cie

Every day I am so thankful that I met you. My husband and I were in way over our heads, drowning in a sea of debt, and it was only getting worse. We didn't know what to do anymore. I was even afraid to answer the phone. How could we let it get this bad? We couldn’t sleep anymore and it was starting to affect our jobs, our relationships with our family and friends, and especially our marriage. We tried everything to get out of debt including using all our retirement savings but nothing was working. All it did was make us feel worse. We still had the debt and now we had no retirement fund. Finally, we caught a break when we met you. Right from the start, you made us feel like you were there to help. You were amazing to talk to and didn't make us feel bad for our situation. You always treated us in a caring, professional manner offering solutions, not criticism. You explained all our options and helped us choose the best solution for us and our situation, and the best part was that no matter how many questions we asked, you were always there to answer and guide us. Because of you both I am now able to enjoy life again and my marriage is stronger than ever. I can even answer my phone again without fear of who is on the other end. My husband and I sleep so much better and have even been able to start thinking about our retirement again. You did exactly what you said you would do and for that we will always be grateful. I highly recommend your services to anyone who wants an honest, professional opinion and someone who truly cares working on this difficult situation. Thanks again for everything. Regards, KN

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 them 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!

Thank you for truly changing our lives with your help, expertise, kindness and generosity your knowledge but most of all your understanding and humanity allowed us to manage our debt and stop stressing. Our family is forever grateful!

Stress is always bad, but financial stress is the worst. It takes peace away from life, but John and Jennifer showed me the way to recover it! They answered every single questions with patience and discussed every topic in details which helped me to take the decision easily. Together, they represented my best interest instead of my creditors and reduced my debt of $38,513.00 down to $5600 with 0% interest. Thanks a lot both of you John and Jennifer! -Mohammed

My name is MJ. I wanted to let you know that I have worked with Jennifer Croft, and her husband John, at 4 Pillars Consulting. They were highly competent and professional when it came to helping me and my financial issues. When I relocated to Calgary from Montreal, my financial life was a total mess, a true disaster of biblical proportions. I was getting serious letters from lawyers in Edmonton and Toronto. I was even getting angry phone calls at 5 o clock in the morning. I really felt I had no other choice but to declare bankruptcy. I just wanted this nightmare to end. My stalled broken financial situation was totally stressful. My co workers told me that I had not smiled in ages. Jennifer sat down with me and quickly reassured me that all was not lost. I could, with some serious planning, end my financial nightmare. Jennifer did not beat around the bush. She explained in a calm, rational manner, what my choices where. We came upon a long term plan that suited my needs and my current financial resources. All legal issues were handled. In a few short months, the sun began to shine once again. Now, my stress level is down, there is a spring in my step, and my coworkers have noticed the old MJ again. My only regret is not following this path sooner. Jennifer and her husband are professionals who are able to explain to you that you are not at the mercy of the banks. That you have legal recourse. If you have money or debt issues, you can put your trust in these two. Trust me on this one. There are a BS free team.

Dear John, It was like a glimmer of light when I saw your ad on Facebook regarding the ability to get out of debt. The past few years have been trying on my financial situation. Yes, I was the decider in all these decisions and I certainly made poor choices in this. But I am trying my best to get out of a bad situation. Previously I had 2 jobs to help with the financial situations, resulting in money being owed to the CRA, but because of an unexpected diagnosis of Multiple Sclerosis I had to focus more on my health. This resulted in me not changing my financial spending habits but instead leaning on my credit cards. Now I am struggling facing the fact I am in over my head. I know I am liable for the bills I have racked up, but I am struggling to pay them. I make my payments but have little money left to live on. I asked for your help to let me see the full light of financial independence. Thank you for this consideration, as I have lived with the financial stress long enough and I need to start making positive choices for my future. I look forward to continue working with you all in hopes of getting a better understanding of financial planning, budgeting and living stress free. M. Henry

From the very first phone call, I could tell immediately that John and Jennifer of 4 Pillars Consulting Group (Calgary location) 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. 4 Pillars Calgary 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 cilents, 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 4 Pillars Consulting Group (Calgary Location)

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 to 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; their 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 BUT WE OWE YOU ONE! Sincerely, Misty R.

Dear Jennifer, Before I found you on the internet and met you, I was drowning in my sea of debt not seeing a way out, It is very stressful and can cause all sorts of problems. I asked God for help. It took me 1-2 weeks before I call Jennifer of 4Pillars. Now, I would like to personally say a BIG THANK YOU for all the help you have provided me in negotiating and settling my outstanding debts! It's a breath of fresh air to be able to answer my phone again and if it weren'tfor you, I would be still be sitting here ignoring the phone. The debts just got too much for me to even figure out a way to make everyone happy, so unfortunately I did the wrong thing and ignored everyone in hopes they'd just go away. As we all know that is so far from the truth! I will never hesitate to recommend you to anyone! So thank you again to you! I truly appreciate all the help you have provided. All the best to you all of you in 2013 and I cannot thank you enough!

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! -----Samuel O.

Sleeplessness and depression had been my constant companion until I found the way to be freed from my debts. The expert advise and respect that John and Jennifer at 4 Pillars gave me brought back my dignity and helped pulled my life together again. I will always treasure this lesson in my life. Thank you 4 PILLARS CALGARY!

Hello Jen, I just want to say that I am so grateful that I meet you and your husband. Words are may not be enough to thank you for all the things that you have done for me. During those times that I have no where to turn and run to. I don’t know if I will be able to look after myself and my family if I did not meet you and help me with my financial problems. I don’t know where to start my day during those days. the money problems is taking over my life that I started to lose my hopes and dreams to myself and family, but when you told me that you are going to help me get through it, it just take off the burden that is inside me. I actually get to sleep at night without worrying that tomorrow when I wake up I won’t be getting phone calls from creditors that is after me. You’ve been a big part of our lives today. Without you I don’t even think that I can take my kids to Chuckee cheese once a month. Without your help I don’t see my self having a cup of coffee in the morning. So from every chamber of my heart I want to say thank you thank you thank you thank you for standing beside me. Thank you for all the support you have given me emotionally and most of all financially. May the Almighty God bless you and your family.

I was very stress and worry about my situation but I get big relieve in 4 Pillars now my life get better. Patricia C.

I am very happy with the whole process. All staff is very helpful and friendly. Lori P.

We are so satisfied and happy with the services the office of 4 Pillars provides. Jennifer E.

They did what they said they would do with no extra fees. Ryan S.

I’m very happy you guys reduced my debt up to 80%. Thank you guys for all the lessons about rebuilding my credit score. Nino E.

Working with 4 Pillars has been a pleasant experience. Everything that was said did get done. Would recommend them to everyone. Rick

We appreciate everything 4 Pillars did for us. It changed our lives. Garrett K.

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…..Thanks for saving our lives Darrell!!!

Darrell is extremely helpful and knowledgeable. He found the best solution for my financial needs and the whole process was very smooth. I can definitely recommend him! Martina

Going to Darrell at 4 Pillars was one of the best decisions of my life. The financial stress is a thing of the past. There was no judgement of my situation and the whole process went smoothly. It’s been a year now and we are doing great. We are actually able to put aside money for emergencies. I would definitely recommend it. Katherine

We were very satisfied with the service we received. Very thankful for the accommodations made for my husband’s mobility and comfort. We felt very informed and respected throughout the process. Jennifer

Working with 4 Pillars, Darrell and his team has given me hope for a greater financial future. Everyone I dealt with was kind and compassionate. Elizabeth

I am very happy. My stress level has gone down. There is a weight off my shoulders. Allan