Hear what hundreds of clients had to say

Average of 4.9 out of 5 from 1009 our inhouse reviews


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Dave J – Project Manager

Debt reduced from $137,000 to $39,000
$650/month for 60 months at 0% interest

The circumstances were much more complicated than most consisting of corporate and personal elements. Blair was very creative in consolidating both elements and the result was very positive. Blair's restructuring strategy has enabled me to turn my financial picture around. Blair is completely professional in every regard. He responded to my emails and phone calls promptly and his answers were clear and accurate. I have nothing but positive comments and would recommend anyone who finds themselves in what seems like an impossible debt situation to contact Blair.

Blair was very creative in consolidating

Debt reduced from $137,000 to $39,000
$650/month for 60 months at 0% interest

The circumstances were much more complicated than most consisting of corporate and personal elements. Blair was very creative in consolidating both elements and the result was very positive. Blair's restructuring strategy has enabled me to turn my financial picture around. Blair is completely professional in every regard. He responded to my emails and phone calls promptly and his answers were clear and accurate. I have nothing but positive comments and would recommend anyone who finds themselves in what seems like an impossible debt situation to contact Blair.

Victoria, BC

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Patricia C.

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

Red Deer, AB

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Darcy P.

I would like to take the time to personally thank you Charlie for what I can only refer to as a 'simply exceptional' service. It was absolutely invaluable to me to have your assistance working through all of the questions and concerns I had in an effort to narrow down the best direction forward, in my case a consumer proposal. Each and every question I had, was answered thoroughly and I really appreciated that. Working with the 4 Pillars system was a very straight forward process, and dare I say almost 'enjoyable'. Certainly as enjoyable as it could have been. I would highly recommend your service to all I know. Thanks again for everything!

I would like to take the time to personally thank you Charlie for what I can only refer to as a 'simply exceptional' service. It was absolutely invaluable to me to have your assistance working through all of the questions and concerns I had in an effort to narrow down the best direction forward, in my case a consumer proposal. Each and every question I had, was answered thoroughly and I really appreciated that. Working with the 4 Pillars system was a very straight forward process, and dare I say almost 'enjoyable'. Certainly as enjoyable as it could have been. I would highly recommend your service to all I know. Thanks again for everything!

Kelowna, BC

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Brandon Pastoor

Hello Bob, and the staff at the Phoenix Fund, hope this finds you all well. Letting you know about a significant victory on our journey to debt freedom - our bank has approved a personal loan to pay out our Phoenix Fund account, and will be mailing the draft tomorrow to close that off. A couple of years ago I found myself sitting across a table from Bob Hauck, feeling somewhat dejected over my present circumstance, but hopeful that maybe this would be the solution I had been seeking. Bob, your patience with my questions while we went through the options was exceptional, and I appreciated the time you took to be sure I fully understood what the road ahead might look like. The next significant memory I have is sitting at a restaurant table with a very friendly and reassuring Chris Jimenez, signing documents that would be a big step towards putting the debts of previous years behind me. A couple of short years later, we are firmly on the path to debt freedom, and I have completely changed how I view financial responsibility and accountability. Publicly, a major thank you to my amazing wife who stood by during this process, patient, supportive and encouraging. To Bob and the staff at the Phoenix Fund, my heartfelt thanks for your help. The direction of this family tree will look much different, and that is due in part to the role you played along the way. Create an excellent week, Brandon Pastoor

Hello Bob, and the staff at the Phoenix Fund, hope this finds you all well. Letting you know about a significant victory on our journey to debt freedom - our bank has approved a personal loan to pay out our Phoenix Fund account, and will be mailing the draft tomorrow to close that off. A couple of years ago I found myself sitting across a table from Bob Hauck, feeling somewhat dejected over my present circumstance, but hopeful that maybe this would be the solution I had been seeking. Bob, your patience with my questions while we went through the options was exceptional, and I appreciated the time you took to be sure I fully understood what the road ahead might look like. The next significant memory I have is sitting at a restaurant table with a very friendly and reassuring Chris Jimenez, signing documents that would be a big step towards putting the debts of previous years behind me. A couple of short years later, we are firmly on the path to debt freedom, and I have completely changed how I view financial responsibility and accountability. Publicly, a major thank you to my amazing wife who stood by during this process, patient, supportive and encouraging. To Bob and the staff at the Phoenix Fund, my heartfelt thanks for your help. The direction of this family tree will look much different, and that is due in part to the role you played along the way. Create an excellent week, Brandon Pastoor

Kamloops, BC

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Chris T.

The service has been great. Ask questions and take advantage of the resources available through 4 Pillars.

The service has been great. Ask questions and take advantage of the resources available through 4 Pillars.

North Okanagan, BC

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K & J

I want to say "Thank You" again for all of your encouragement and help through a dark and stressful time. I can now breathe again and have my debt reduced by 70%! A huge weight has been lifted to make my life a much better place.

I can breathe again

I want to say "Thank You" again for all of your encouragement and help through a dark and stressful time. I can now breathe again and have my debt reduced by 70%! A huge weight has been lifted to make my life a much better place.

Kitchener, ON

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K & W

Laurence, thank you so much for all the hard work you have done for us. It's hard to show how much we appreciate it. Thanks Again!

Laurence, thank you so much for all the hard work you have done for us. It's hard to show how much we appreciate it. Thanks Again!

Barrie, ON

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Anonymous

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!!!

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!!!

Lethbridge, AB

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Darren C

For myself personally, I knew I needed to find a solution to my financial situation. I had spoken with other people in Jim's field but didn't feel comfortable when I met them like I did when I met Jim. He was very personable and his first impression was very good which made me feel at ease. He was able to get me back on track and he explained things in a way that was very easy to understand. I would recommend Jim to anyone. He is trustworthy, professional, and really just a good person. That goes a long way in my books!

Jim was trustworthy and professional

For myself personally, I knew I needed to find a solution to my financial situation. I had spoken with other people in Jim's field but didn't feel comfortable when I met them like I did when I met Jim. He was very personable and his first impression was very good which made me feel at ease. He was able to get me back on track and he explained things in a way that was very easy to understand. I would recommend Jim to anyone. He is trustworthy, professional, and really just a good person. That goes a long way in my books!

Hamilton, ON

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Geza S

Everybody was friendly beyond imagination. They were helpful and effective. However, most important they made a difference. Thank you 4 Pillars!!!! Geza S

Everybody was friendly beyond imagination. They were helpful and effective. However, most important they made a difference. Thank you 4 Pillars!!!! Geza S

Winnipeg, MB

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Julie L

Bob was amazing! I was in a very bad place due to a divorce and a foreclosure on my home and Bob helped me get back on my feet and get my life back. I’m completely satisfied with 4 Pillars and Bob!

Bob was amazing! I was in a very bad place due to a divorce and a foreclosure on my home and Bob helped me get back on my feet and get my life back. I’m completely satisfied with 4 Pillars and Bob!

Kamloops, BC

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MR

Geordie made this process as painless as possible. Made me feel confident that things would work out. Did not critize me for my debt situation. My health has improved dramatically.

Geordie made this process as painless as possible. Made me feel confident that things would work out. Did not critize me for my debt situation. My health has improved dramatically.

Belleville, ON

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Jason P – Business Owner

Debt reduced from $51,000 to $14,000
$14,000 lump sum paid

Blair was friendly and welcoming. While being a knowledgeable professional, he made me feel comfortable and at ease speaking with him about my situation. I always felt like he had my best interest in mind, and having him working for me took the weight off my shoulders. The positive outcome let me get on with my life without the stress I had been dealing with. And anytime I had a question Blair was quick to answer and reassure me. Thanks so much Blair!

He had my best interest in mind

Debt reduced from $51,000 to $14,000
$14,000 lump sum paid

Blair was friendly and welcoming. While being a knowledgeable professional, he made me feel comfortable and at ease speaking with him about my situation. I always felt like he had my best interest in mind, and having him working for me took the weight off my shoulders. The positive outcome let me get on with my life without the stress I had been dealing with. And anytime I had a question Blair was quick to answer and reassure me. Thanks so much Blair!

Victoria, BC

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Bryan M – Welder

Debt reduced from $30,300 to $6,000
$100/month for 60 months

Going into this I was sceptical. Right off the bat Blair shed light on the whole process and helped me understand my options. I would 100% recommend 4 pillars to anyone in financial distress. It really was a great experience. Thanks Blair!

It really was a great experience

Debt reduced from $30,300 to $6,000
$100/month for 60 months

Going into this I was sceptical. Right off the bat Blair shed light on the whole process and helped me understand my options. I would 100% recommend 4 pillars to anyone in financial distress. It really was a great experience. Thanks Blair!

Victoria, BC

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Kathleen L.

Charlie is very helpful, positive and encouraging! I felt that I was looked after and directed towards handling issues with creditors in a positive way. I will definitely give him a '2 thumbs up' for his knowledge and expertise, and will let others know about 4 Pillars.

Charlie is very helpful, positive and encouraging! I felt that I was looked after and directed towards handling issues with creditors in a positive way. I will definitely give him a '2 thumbs up' for his knowledge and expertise, and will let others know about 4 Pillars.

North Okanagan, BC

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John C.

I was burdened by over $90,000 in unsecured debts. I simply was not able to assume the payments on these debts. The situation was such that making the minimal payments would have required almost all my income and it would have been impossible for me to pay for my basic needs and those of my children. I contacted Chris to evaluate the options available to me. Going over all my information and analysing my situation, we were able to negotiate payments on a $30,000 combined debt level instead of the original $90,000. I am now able to fulfill my obligations and provide for both myself and my children. I am now on the way to be debt-free and rebuilding my credit rating. I have to thank Chris for this. He was there throughout the process and always available to answer my questions.

I had over $90,000 in debt

I was burdened by over $90,000 in unsecured debts. I simply was not able to assume the payments on these debts. The situation was such that making the minimal payments would have required almost all my income and it would have been impossible for me to pay for my basic needs and those of my children. I contacted Chris to evaluate the options available to me. Going over all my information and analysing my situation, we were able to negotiate payments on a $30,000 combined debt level instead of the original $90,000. I am now able to fulfill my obligations and provide for both myself and my children. I am now on the way to be debt-free and rebuilding my credit rating. I have to thank Chris for this. He was there throughout the process and always available to answer my questions.

Mississauga, ON

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Vicki C

Not applicable Adrian and 4 pillars consulting gave us back our peace of mind. We had tried other counselling of doing it on our own but we just got deeper and deeper in debt. Adrian demonstrated consistent diplomacy and integrity in our sessions. Thanks Adrian. Thanks 4 pillars!!! Vicki C

In response to: “Is there room for improvement or anything you would change?”

Not applicable Adrian and 4 pillars consulting gave us back our peace of mind. We had tried other counselling of doing it on our own but we just got deeper and deeper in debt. Adrian demonstrated consistent diplomacy and integrity in our sessions. Thanks Adrian. Thanks 4 pillars!!! Vicki C

Peterborough, ON

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Jane

Your guidance and expertise has been invaluable in helping me through this very stressful process.

Your guidance and expertise has been invaluable in helping me through this very stressful process.

North Okanagan, BC

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Jen M.

Zach and 4 Pillars helped me put closure on a difficult chapter of my life. Thankfully, I’m now in greater control of my financial situation and have regained confidence in myself and feel more optimistic about my future. I highly recommend working with Zach – he is a professional, enthusiastic and answered all my many questions!

Zach and 4 Pillars helped me put closure on a difficult chapter of my life. Thankfully, I’m now in greater control of my financial situation and have regained confidence in myself and feel more optimistic about my future. I highly recommend working with Zach – he is a professional, enthusiastic and answered all my many questions!

Scarborough, ON

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Patsy

To Adrian Miles Thank you very much Patsy

To Adrian Miles Thank you very much Patsy

Peterborough, ON

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Jeannette S.

We came in with no expectations and not sure what a credit proposal was. The 4 Pillars team were very professional and treated us exceptionally. We did not feel like we had royally messed up. They clearly assisted us in seeing a light at the end of the tunnel. We are on the road to financial responsibility.

We came in with no expectations and not sure what a credit proposal was. The 4 Pillars team were very professional and treated us exceptionally. We did not feel like we had royally messed up. They clearly assisted us in seeing a light at the end of the tunnel. We are on the road to financial responsibility.

Red Deer, AB

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Anonymous

The people at 4 Pillars Calgary I have dealt with were professional and non judgemental which makes such a stressful situation bearable.

The people at 4 Pillars Calgary I have dealt with were professional and non judgemental which makes such a stressful situation bearable.

Calgary, AB

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Nancy Palma

I would recommend Chris to anyone. He has your best interest at heart and will change your life making it stress free!

I would recommend Chris to anyone. He has your best interest at heart and will change your life making it stress free!

Victoria, BC

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Mary

My special thanks to you Jennifer for a wonderful job- you did on me with my debt. You are really down to earth person and very kind as well. Very professional and You treated your clients with respect and having full of understanding with their needs.Through your unfolded and amazing help I can able to enjoy life with knowledge of budgeting and saving money. I am proud to tell you that I am wiser person now just because of your great help and advice. Once again, Thank you for everything! GOD BLESS! To anyone who needed help to solve your financial problems, I would gladly recommend to get Jennifer's help is the smartest choice! Sincerely yours, Mary

My special thanks to you Jennifer for a wonderful job- you did on me with my debt. You are really down to earth person and very kind as well. Very professional and You treated your clients with respect and having full of understanding with their needs.Through your unfolded and amazing help I can able to enjoy life with knowledge of budgeting and saving money. I am proud to tell you that I am wiser person now just because of your great help and advice. Once again, Thank you for everything! GOD BLESS! To anyone who needed help to solve your financial problems, I would gladly recommend to get Jennifer's help is the smartest choice! Sincerely yours, Mary

Calgary, AB

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Jason D – Operator

Debt reduced from $47,000 to $15,000
$250/month for 60 months at 0% interest

My experience was amazing ,Blair made my financial situation less stressful and made me feel like a real person and that I wasn't alone. Very professional and helpful , Blair changed my life, thank you.

Very professional and helpful

Debt reduced from $47,000 to $15,000
$250/month for 60 months at 0% interest

My experience was amazing ,Blair made my financial situation less stressful and made me feel like a real person and that I wasn't alone. Very professional and helpful , Blair changed my life, thank you.

Victoria, BC

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SV

I was so in debt and confused about my money, I had no idea how to handle my dad and my overused income. I came to sue a terrible mess and she explained options and answered all my questions and gave me such a better understanding of money.

I was so in debt and confused about my money, I had no idea how to handle my dad and my overused income. I came to sue a terrible mess and she explained options and answered all my questions and gave me such a better understanding of money.

Nanaimo, BC

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Adam G – Driver

Debt reduced from $38,000 to $9,900

4 Pillars is amazing. Very helpful and friendly to deal with. Thank you for everything!

4 Pillars is amazing

Debt reduced from $38,000 to $9,900

4 Pillars is amazing. Very helpful and friendly to deal with. Thank you for everything!

Victoria, BC

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Glen B.

Everything was explained to me in full. I felt very comfortable proceeding with a proposal to my creditors. All around great service!

Everything was explained to me in full. I felt very comfortable proceeding with a proposal to my creditors. All around great service!

North Okanagan, BC

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I. Castillo

Service was prompt and curtious. Learned about saving money and how to rebuild credit. Trustworthy agent!!

Service was prompt and curtious. Learned about saving money and how to rebuild credit. Trustworthy agent!!

North York, ON

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Carolyn

I honestly can’t think of anything to improve. Your ****** was amazing. From my first phone call, I felt a complete comfort level. Myles and Adrian are **** as their warm, honest, compassionate, take lots of time to listen. I feel 100% confident in 4 Pillars. Carolyn.

In response to: “Is there room for improvement or anything you would change?”

I honestly can’t think of anything to improve. Your ****** was amazing. From my first phone call, I felt a complete comfort level. Myles and Adrian are **** as their warm, honest, compassionate, take lots of time to listen. I feel 100% confident in 4 Pillars. Carolyn.

Peterborough, ON

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Scott M Mortgage Broker at Coastal Pacific Mortgages

Very knowledgable and practical..works in the best interests of the client

Very knowledgable and practical..works in the best interests of the client

Burnaby, BC

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RP

4Pillars helped me with my debt beyond my expectation. Right now they're helping me with my budgeting, it made me realize many things about handling my finances.

4Pillars helped me with my debt beyond my expectation. Right now they're helping me with my budgeting, it made me realize many things about handling my finances.

Nanaimo, BC

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MM

You have made my life so much easier thank you again.

You have made my life so much easier thank you again.

Nanaimo, BC

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T & C Lawrie

Dear Trevor: Thank you so very much Trevor! You are awesome! You have been such a BIG help to us! Thank you just doesn't seem enough but THANK YOU THANK YOU!!!!! You have made this very difficult time so much easier for us and your professional style is just outstanding. Reducing our debt from $76,000 to $27,600 has made all the difference in getting our financial situation under control. We now have monthly payments we can afford at zero interest so we can actually pay off our debt instead of just interest. Thank you so much!

THANK YOU THANK YOU!!!! You are awesome!

Dear Trevor: Thank you so very much Trevor! You are awesome! You have been such a BIG help to us! Thank you just doesn't seem enough but THANK YOU THANK YOU!!!!! You have made this very difficult time so much easier for us and your professional style is just outstanding. Reducing our debt from $76,000 to $27,600 has made all the difference in getting our financial situation under control. We now have monthly payments we can afford at zero interest so we can actually pay off our debt instead of just interest. Thank you so much!

Oshawa, ON

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Karen

Hi Trevor, I wanted to extend my greatest gratitude to you for your help. Before meeting with you almost a year ago now, I was in a terrible place. I suffered a loss of income & felt like I was in a sinkhole unable to pull my way out. I couldn’t eat or sleep or concentrate on anything but my financial problems. With your guidance & expertise you gave me the gift of “hope”. After working with you & you putting your trust in me you threw me a “lifeline” so to speak. I have come to realize through all of this you cannot put a price on the gift of hope, & piece of mind. You gave me both of these & for that I will always be grateful. You are a very kind person Trevor, you never judged me or made me feel bad about the mess I was in & you were always there if I needed a question answered or your support. Thank-you so very much for giving me my life back & the priceless gift of “hope”. Yours very truly, Karen

Thank-you

Hi Trevor, I wanted to extend my greatest gratitude to you for your help. Before meeting with you almost a year ago now, I was in a terrible place. I suffered a loss of income & felt like I was in a sinkhole unable to pull my way out. I couldn’t eat or sleep or concentrate on anything but my financial problems. With your guidance & expertise you gave me the gift of “hope”. After working with you & you putting your trust in me you threw me a “lifeline” so to speak. I have come to realize through all of this you cannot put a price on the gift of hope, & piece of mind. You gave me both of these & for that I will always be grateful. You are a very kind person Trevor, you never judged me or made me feel bad about the mess I was in & you were always there if I needed a question answered or your support. Thank-you so very much for giving me my life back & the priceless gift of “hope”. Yours very truly, Karen

Oshawa, ON

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Anonymous

Thank you for everything.. I highly recommend the 4 Pillars Regina especially Ashley to anyone of my friends and family..

Thank you for everything.. I highly recommend the 4 Pillars Regina especially Ashley to anyone of my friends and family..

Regina, SK

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Tammie & Richard S.

Hello Charlie, Thank you for coming to our home the other day. We really appreciate that you took the time to come out here and for what you had to say. I am sure that with your help and guidance we will be able to go down the road of success sooner than we could have imagined! Sincerely

Hello Charlie, Thank you for coming to our home the other day. We really appreciate that you took the time to come out here and for what you had to say. I am sure that with your help and guidance we will be able to go down the road of success sooner than we could have imagined! Sincerely

Kelowna, BC

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Lorraine & Ryan

Working with Charlie not only helped us financially we also feel we made a friendship that will help us out through rebuilding our future.

Working with Charlie not only helped us financially we also feel we made a friendship that will help us out through rebuilding our future.

Kelowna, BC

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G.R.

I had a great experience with Charlie. He was very upfront and honest about my situation. He explained to me what options I had, allowing me to pick one that was best suited for me. Everything worked out great.

I had a great experience with Charlie. He was very upfront and honest about my situation. He explained to me what options I had, allowing me to pick one that was best suited for me. Everything worked out great.

North Okanagan, BC

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Penny B.

My experience with Charlie and Monique has been extremely helpful to my stressful situation. They have provided excellent guidance to seeing my way to a much better financial situation. I was and am very happy I made the call for their help. Thank you 4 Pillars!

My experience with Charlie and Monique has been extremely helpful to my stressful situation. They have provided excellent guidance to seeing my way to a much better financial situation. I was and am very happy I made the call for their help. Thank you 4 Pillars!

North Okanagan, BC

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Sandy

After my initial assessment with 4 Pillars a huge weight was lifted from my shoulders. My stress level went down. There was a light at the end of the tunnel. They were professional and respectful and kept me well informed of what was going on. They were easy to talk to and helped me understand all of my options. I would highly recommend this company to anyone with financial issues.

After my initial assessment with 4 Pillars a huge weight was lifted from my shoulders. My stress level went down. There was a light at the end of the tunnel. They were professional and respectful and kept me well informed of what was going on. They were easy to talk to and helped me understand all of my options. I would highly recommend this company to anyone with financial issues.

Kitchener, ON

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Ed and Connie R.

Honestly, there isn’t anything. We were provided with the best service! We never felt ashamed or embarrassed about our situation. Adrian always made us feel comfortable and he was so easy to talk to! He always explained everything simply so we weren’t confused or felt misled. Ed and Connie R.

In response to: “Is there room for improvement or anything you would change?”

Honestly, there isn’t anything. We were provided with the best service! We never felt ashamed or embarrassed about our situation. Adrian always made us feel comfortable and he was so easy to talk to! He always explained everything simply so we weren’t confused or felt misled. Ed and Connie R.

Peterborough, ON

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Hannah M

Just over a year and a half ago I came to Peter and his team needing help. He welcomed me with open arms and non-judgement. They rushed my consumer proposal because I had decided to move back to Alberta. Everything went off without a hitch. Even after moving back to Edmonton, Peter and his team was there if I had questions or concerns. Wonderful company.

Just over a year and a half ago I came to Peter and his team needing help. He welcomed me with open arms and non-judgement. They rushed my consumer proposal because I had decided to move back to Alberta. Everything went off without a hitch. Even after moving back to Edmonton, Peter and his team was there if I had questions or concerns. Wonderful company.

Burnaby, BC

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C.

I had very little knowledge prior to my appointments at 4Pillars and Sue took the time and extra effort to help me, explain in detail and make sure I was on track for the future. I am so very thankful.

I had very little knowledge prior to my appointments at 4Pillars and Sue took the time and extra effort to help me, explain in detail and make sure I was on track for the future. I am so very thankful.

Nanaimo, BC

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Allen

My name is Allan. I first met Charlie over the phone as we discussed some options that were available to our family. We booked an appointment and met with Charlie. I was impressed as to how thorough and clear Charlie made the presentation. Charlie explained to us all of the options, results and risks involved in our decision. Charlie was very understanding, compassionate and down to earth and we discussed the next plan to take. I really appreciated his compassion and understanding. He even gave me the courage to make a phone call to my family about our situation, which I did not want to do. Through his encouragement I was able to call, and I thank Charlie for his assistance in this area. Overall I am very pleased to get to know Charlie. He has compassion for people who need debt relief. I recommend Charlie to you as one who is compassionate and able to help you in your time of need. Yours Truly

My name is Allan. I first met Charlie over the phone as we discussed some options that were available to our family. We booked an appointment and met with Charlie. I was impressed as to how thorough and clear Charlie made the presentation. Charlie explained to us all of the options, results and risks involved in our decision. Charlie was very understanding, compassionate and down to earth and we discussed the next plan to take. I really appreciated his compassion and understanding. He even gave me the courage to make a phone call to my family about our situation, which I did not want to do. Through his encouragement I was able to call, and I thank Charlie for his assistance in this area. Overall I am very pleased to get to know Charlie. He has compassion for people who need debt relief. I recommend Charlie to you as one who is compassionate and able to help you in your time of need. Yours Truly

Kelowna, BC

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RA

Just when I thought I would drown forever in my black hole of financial doom, Sue from 4 Pillars empathetically sat down with me, heard my situation and quickly went to work on a plan. With complete professionalism and confidence, she removed all fears and embarrassments and guided me down the path to my financial rebuilding. This helped my self - esteem and gave me renewed hope. For the 1st time in years I felt like there's a light at the end of my tunnel, and I could once again attain my goals and dreams. I give Sue Grubac my highest recommendation. Her soft manner will immediately have you feeling comfortable. She will act 100% on your behalf to find the best solution for you with your creditors.

I thought I would drown forever in my black hole of financial doom

Just when I thought I would drown forever in my black hole of financial doom, Sue from 4 Pillars empathetically sat down with me, heard my situation and quickly went to work on a plan. With complete professionalism and confidence, she removed all fears and embarrassments and guided me down the path to my financial rebuilding. This helped my self - esteem and gave me renewed hope. For the 1st time in years I felt like there's a light at the end of my tunnel, and I could once again attain my goals and dreams. I give Sue Grubac my highest recommendation. Her soft manner will immediately have you feeling comfortable. She will act 100% on your behalf to find the best solution for you with your creditors.

Coombs, BC

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W. Baboolall, North York

I am happy that I found 4 Pillars Consulting Group. I was sinking in debt and with the help of 4 Pillars my debts are being paid off.

I am happy that I found 4 Pillars Consulting Group. I was sinking in debt and with the help of 4 Pillars my debts are being paid off.

Markham, ON

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G.S.

We are so happy having met Charlie at 4 Pillars! He has helped us with our situation and we have no more stress and no more debt.

We are so happy having met Charlie at 4 Pillars! He has helped us with our situation and we have no more stress and no more debt.

North Okanagan, BC

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V.R.

Everything was comfortable and explained well. I was always able to talk to someone on the telephone. I am happy that my phone is no longer ringing with creditor calls. I am learning to spend within my budget.

Everything was comfortable and explained well. I was always able to talk to someone on the telephone. I am happy that my phone is no longer ringing with creditor calls. I am learning to spend within my budget.

North Okanagan, BC

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Anonymous

Glenda was very understanding and compassionate. I know how we got in this position - I'm feeling shameful enough. What we needed - and received - was a kind ear and reassurance that we are still good people. Thank you Glenda

Glenda was very understanding and compassionate. I know how we got in this position - I'm feeling shameful enough. What we needed - and received - was a kind ear and reassurance that we are still good people. Thank you Glenda

Saskatoon, SK

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J Sims

Peter is very professional, knowledgeable and personable, and is very easy to deal with. I highly recommend Peter!

Peter is very professional, knowledgeable and personable, and is very easy to deal with. I highly recommend Peter!

New Westminster, BC

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Catalina A.

I am very satisfied with all the services provided by 4 Pillars Consulting and am looking forward to recommending to anyone with my personal references on my own opinions of their excellent services. Good Work!

I am very satisfied with all the services provided by 4 Pillars Consulting and am looking forward to recommending to anyone with my personal references on my own opinions of their excellent services. Good Work!

Nelson, BC

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Andrew K – Shipper/Receiver

Debt reduced from $21,800 to $5,000
Paid with a lump sum

Right from the beginning I was made to feel comfortable and was put at ease with my situation. Blair showed the utmost professionalism and worked hard to accomplish the best outcome for me and my future. I would highly recommend Blair and 4 Pillars to anyone who wants a second chance at having credit and financial freedom once again.

He worked hard to accomplish the best outcome for me

Debt reduced from $21,800 to $5,000
Paid with a lump sum

Right from the beginning I was made to feel comfortable and was put at ease with my situation. Blair showed the utmost professionalism and worked hard to accomplish the best outcome for me and my future. I would highly recommend Blair and 4 Pillars to anyone who wants a second chance at having credit and financial freedom once again.

Victoria, BC

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Rod

Service is clear, concise, and above all else heartfelt. You truly make the clients feel as though you are a team. Together you will find a solution to an embarrassing and stressful situation. Don’t change a thing. We were at our wits end. The stress, the phone calls and agonizing every time you got another bill in the mail. Now we are back on track. Together as a team we have found a manageable solution to our debt and are working to re-establish our credit. Rod

In response to: “Is there room for improvement or anything you would change?”

Service is clear, concise, and above all else heartfelt. You truly make the clients feel as though you are a team. Together you will find a solution to an embarrassing and stressful situation. Don’t change a thing. We were at our wits end. The stress, the phone calls and agonizing every time you got another bill in the mail. Now we are back on track. Together as a team we have found a manageable solution to our debt and are working to re-establish our credit. Rod

Peterborough, ON

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Richard B

I can’t think of how this debt reduction could be done any easier and only through a quick 5 year plan This debt reduction has been very positive experience with Adrian’s guidance and hard work we completed our consumer proposal quickly and greatly reduced our stress levels. Richard B

In response to: “Is there room for improvement or anything you would change?”

I can’t think of how this debt reduction could be done any easier and only through a quick 5 year plan This debt reduction has been very positive experience with Adrian’s guidance and hard work we completed our consumer proposal quickly and greatly reduced our stress levels. Richard B

Peterborough, ON

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Amy E.

Charlie was so helpful and informative, making us feel very comfortable with such a difficult topic. He gave us the information and skills to move forward to start getting out of debt; as well as the skills to budget and stay out of debt.

Charlie was so helpful and informative, making us feel very comfortable with such a difficult topic. He gave us the information and skills to move forward to start getting out of debt; as well as the skills to budget and stay out of debt.

North Okanagan, BC

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Ejay S.

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

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

Calgary, AB

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Liz

I was at my wits end. And then I met with Myles and I could see my way clear as I listened to Myles telling me what would happen within the next few months. Awesome. Liz.

In response to: “Is there room for improvement or anything you would change?”

I was at my wits end. And then I met with Myles and I could see my way clear as I listened to Myles telling me what would happen within the next few months. Awesome. Liz.

Peterborough, ON

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CM K

Although I still feel a lot of shame as to the mess I got myself into, 4Pillars has in many ways giving me my life back.

Although I still feel a lot of shame as to the mess I got myself into, 4Pillars has in many ways giving me my life back.

Nanaimo, BC

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Anonymous

Nothing at all you are doing excellent Before I came to 4 pillars, I was barely keeping myself afloat. I had a short temper with loved ones. Shortly after entering 4 pillars, they made me feel at ease like I was talking with family member, 4 pillars reduced my debt way more than I thought possible. I highly recommend 4 pillars/

In response to: “Is there room for improvement or anything you would change?”

Nothing at all you are doing excellent Before I came to 4 pillars, I was barely keeping myself afloat. I had a short temper with loved ones. Shortly after entering 4 pillars, they made me feel at ease like I was talking with family member, 4 pillars reduced my debt way more than I thought possible. I highly recommend 4 pillars/

Peterborough, ON

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Donelda S

I would just like to thank you for everything – your understanding, patience, and of course your vast knowledge in helping me get back on track with my financial life. So much of why people overspend is emotional and I believe that dealing with both areas is crucial to success in settling in for a long and prosperous future. I have never felt judged while in your presence and this is huge. I will definitely always be grateful for the working relationship we have had. Thanks again!

Remaining testimonials are for 4 Pillars Kamloops only:

I would just like to thank you for everything – your understanding, patience, and of course your vast knowledge in helping me get back on track with my financial life. So much of why people overspend is emotional and I believe that dealing with both areas is crucial to success in settling in for a long and prosperous future. I have never felt judged while in your presence and this is huge. I will definitely always be grateful for the working relationship we have had. Thanks again!

Kamloops, BC

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Anonymous

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

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

Calgary, AB

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Mary T

I just want to express my sincere gratitude for what you have done for my family. Because of your hard work, professional approach, and the dedication you've shown to us, we are now journeying towards a brighter future! This was unimaginable several months ago until we met with you! You not only gave us help, you gave us hope and most importantly you gave us a reason to live and dream again! Blessings be unto you! Thanks again for helping us to breathe and for giving me the opportunity to sleep at night without worry or fear.

You gave us a reason to live and dream again!

I just want to express my sincere gratitude for what you have done for my family. Because of your hard work, professional approach, and the dedication you've shown to us, we are now journeying towards a brighter future! This was unimaginable several months ago until we met with you! You not only gave us help, you gave us hope and most importantly you gave us a reason to live and dream again! Blessings be unto you! Thanks again for helping us to breathe and for giving me the opportunity to sleep at night without worry or fear.

Hamilton, ON

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Anonymous

Thank you so much for helping us on our financial situation.really helpful you save our life from debt .

Thank you so much for helping us on our financial situation.really helpful you save our life from debt .

Regina, SK

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CJ

After many years in business I realized I was slowly sucking up equity from my assets to pay bills and slowly the debt started to grow. I thought my business was recession proof but came to realize that it was too late to turn things around with the debt I had incurred. The bigger problem was that the debt was in my name and as I couldn't afford to pay myself wages it really started to snowball to the point where I was in trouble. I met Sue from 4 Pillars and she helped me in a big way. First, she needed a clear picture of all my debts and income, property, vehicles etc. Then she was able to help me develop a plan that would negotiate a better deal with the unsecured creditors. Sue was very thorough and understood where I was coming from and where I needed to be financially. She took control of the process and I just fed her the information she requested. In the end I saved tens of thousands of dollars and the phone calls and letters stopped. I was worried my name would be smeared and I would be an outcast, but it was all private and there was none of that. Sue was professional and excellent in all areas and I am so glad I met her. The best thing about the whole experience with Sue was that she truly cares about her clients and wants to help. I am now free of all unsecured debt and it feels fantastic. I pay cash for things now, I have money in the bank and all my commitments are met on time. It opened doors in my life I didn't know existed and I couldn't be happier! Thanks Sue!

I saved tens of thousands of dollars

After many years in business I realized I was slowly sucking up equity from my assets to pay bills and slowly the debt started to grow. I thought my business was recession proof but came to realize that it was too late to turn things around with the debt I had incurred. The bigger problem was that the debt was in my name and as I couldn't afford to pay myself wages it really started to snowball to the point where I was in trouble. I met Sue from 4 Pillars and she helped me in a big way. First, she needed a clear picture of all my debts and income, property, vehicles etc. Then she was able to help me develop a plan that would negotiate a better deal with the unsecured creditors. Sue was very thorough and understood where I was coming from and where I needed to be financially. She took control of the process and I just fed her the information she requested. In the end I saved tens of thousands of dollars and the phone calls and letters stopped. I was worried my name would be smeared and I would be an outcast, but it was all private and there was none of that. Sue was professional and excellent in all areas and I am so glad I met her. The best thing about the whole experience with Sue was that she truly cares about her clients and wants to help. I am now free of all unsecured debt and it feels fantastic. I pay cash for things now, I have money in the bank and all my commitments are met on time. It opened doors in my life I didn't know existed and I couldn't be happier! Thanks Sue!

Nanaimo, BC

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Anonymous

Everybody at 4 Pillars has been amazing...going through a bankruptcy is not easy but Nicole and Shannon helped ease the burden, tremendously! Thank-you!

Everybody at 4 Pillars has been amazing...going through a bankruptcy is not easy but Nicole and Shannon helped ease the burden, tremendously! Thank-you!

Calgary, AB

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Charles

None. I feel a lot better, sleep at night. My worry is resolved, my anxiety is way down. I am glad I got in touch with 4Pillars. Charles.

In response to: “Is there room for improvement or anything you would change?”

None. I feel a lot better, sleep at night. My worry is resolved, my anxiety is way down. I am glad I got in touch with 4Pillars. Charles.

Peterborough, ON

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Holly V - Administrative Assistant

Debt reduced from $64,800 to $13,200
$220/month for 60 months at 0% interest

The stress I was under before my consumer proposal was unimaginable. Blair dealt with me and my situation in an extremely professional and compassionate manner.

I am forever grateful to Blair and 4 Pillars. You have changed my life.

You have changed my life

Debt reduced from $64,800 to $13,200
$220/month for 60 months at 0% interest

The stress I was under before my consumer proposal was unimaginable. Blair dealt with me and my situation in an extremely professional and compassionate manner.

I am forever grateful to Blair and 4 Pillars. You have changed my life.

Victoria, BC

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Darryl W – Mechanic

Debt reduced from $112,000 to $24,000
$400/month for 60 months at 0% interest

Blair was excellent. He stuck with it and got the best possible deal we could get. He guided me through the process with great communication. Highly recommended.

Blair got me the best deal I could get

Debt reduced from $112,000 to $24,000
$400/month for 60 months at 0% interest

Blair was excellent. He stuck with it and got the best possible deal we could get. He guided me through the process with great communication. Highly recommended.

Victoria, BC

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Anonymous

Nice and good counsellors .. Explain every details especially the budget issues.. And helping how to manage your credit history and secure it .

Nice and good counsellors .. Explain every details especially the budget issues.. And helping how to manage your credit history and secure it .

Saskatoon, SK

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Eric

Through the 4 Pillars program, I am able to live without the extra stress of creditors hounding me daily. Thank you David Moffatt and 4 Pillars. You have saved my life. Eric

Through the 4 Pillars program, I am able to live without the extra stress of creditors hounding me daily. Thank you David Moffatt and 4 Pillars. You have saved my life. Eric

Halifax, NS

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LL

Dear Sue for all your many kindnesses, and your helpful spirit thank you.

Dear Sue for all your many kindnesses, and your helpful spirit thank you.

Nanaimo, BC

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Beverly

I had nowhere to turn, bills had piled up and creditors calling day and night! I couldn't even answer my phone any more. Then I saw the ad for 4Pillars and the call I made to them changed my life. They immediately helped me take charge of my financial nightmare! I no longer felt alone and have ongoing assistance whenever I need it! Today I am living a different life thanks to 4Pillars and it doesn't stop there! They are helping me to restructure and build my credit rating again. Their knowledge and expertise has given me a new beginning, a second chance and I highly recommend them to anyone that finds themselves in the claws of debt! Thank you so much 4Pillars!

The call I made to 4 Pillars changed my life

I had nowhere to turn, bills had piled up and creditors calling day and night! I couldn't even answer my phone any more. Then I saw the ad for 4Pillars and the call I made to them changed my life. They immediately helped me take charge of my financial nightmare! I no longer felt alone and have ongoing assistance whenever I need it! Today I am living a different life thanks to 4Pillars and it doesn't stop there! They are helping me to restructure and build my credit rating again. Their knowledge and expertise has given me a new beginning, a second chance and I highly recommend them to anyone that finds themselves in the claws of debt! Thank you so much 4Pillars!

Guelph, ON

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Anonymous

Thanks a lot for the great help you've done for me, now I already have peace of mind. God is good he made a way how I found your company. Your employees were all nice & accommodating. Again thank you & more powers!!!!

Thanks a lot for the great help you've done for me, now I already have peace of mind. God is good he made a way how I found your company. Your employees were all nice & accommodating. Again thank you & more powers!!!!

Calgary, AB

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M.T. Nanaimo

Sue has been great she has explained and has given very clear suggestions and direction. I have come so far with the help and support from Sue at 4Pillars. Thank you!

Sue has been great she has explained and has given very clear suggestions and direction. I have come so far with the help and support from Sue at 4Pillars. Thank you!

Nanaimo, BC

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D.

My husband and I were drowning in debt, unable to keep up with our monthly payments due to some unfortunate circumstances. Sue from 4Pillars helped us tremendously and we can now focus on saving for a down payment on a house. It's also a real eye-opener on where all our dollars we're going each month.

My husband and I were drowning in debt, unable to keep up with our monthly payments due to some unfortunate circumstances. Sue from 4Pillars helped us tremendously and we can now focus on saving for a down payment on a house. It's also a real eye-opener on where all our dollars we're going each month.

Nanaimo, BC

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Debbie

Trevor, just wanted to take a few minutes out to thank you for everything you did for us. Thanks to you, the daily stress in our lives of not knowing where the money was going to come from to pay all the bills has been taken away. Not only are we able to pay all the bills as they are due, but we are able to save some money and enjoy our lives again. As you know, it was never the way we had wanted to go as there is always a price to pay however this was a life lesson well learned for going forward. Thanks again for helping us out when we needed it. There is never a day that goes by that we don’t express how wonderful it feels to know the bills are paid and there will be no one calling and hounding us for money. Thanks again. Debbie Executive Assistant Business Services Department

Thanks Again…

Trevor, just wanted to take a few minutes out to thank you for everything you did for us. Thanks to you, the daily stress in our lives of not knowing where the money was going to come from to pay all the bills has been taken away. Not only are we able to pay all the bills as they are due, but we are able to save some money and enjoy our lives again. As you know, it was never the way we had wanted to go as there is always a price to pay however this was a life lesson well learned for going forward. Thanks again for helping us out when we needed it. There is never a day that goes by that we don’t express how wonderful it feels to know the bills are paid and there will be no one calling and hounding us for money. Thanks again. Debbie Executive Assistant Business Services Department

Oshawa, ON

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JM

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.

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.

Chestermere, AB

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Will K

I wouldn’t change anything. I think the service that is provided to the clients is really good. Thanks to 4 pillars I can now live my life without fear of picking up my phone, from the annoying creditors calling me Will K

In response to: “Is there room for improvement or anything you would change?”

I wouldn’t change anything. I think the service that is provided to the clients is really good. Thanks to 4 pillars I can now live my life without fear of picking up my phone, from the annoying creditors calling me Will K

Peterborough, ON

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Patricia C – Home Care Aid

Debt reduced from $29,000 to $6,000
$100/month for 60 months at 0% interest

Two years ago I had an accident at work which left me with a partial disability. This year my mother passed away With all this I could not afford to pay my debt. I followed the advice of a good friend who told me about Blair and 4 Pillars. It was one of the best decisions of my life to use services of Blair as my debt consultant . He treated me with respect, never judging, and his kindness and smile made me feel so secure that everything will be okay and it was. He was able to do exactly what he said by reducing my debt from $29,000 to $6,000!

Thank you Blair Greenwood for taking away the tonne of weight I was carrying on my shoulders. You gave me back my peace of mind again.

It was one of the best decisions of my life to use the services of Blair / 4 Pillars

Debt reduced from $29,000 to $6,000
$100/month for 60 months at 0% interest

Two years ago I had an accident at work which left me with a partial disability. This year my mother passed away With all this I could not afford to pay my debt. I followed the advice of a good friend who told me about Blair and 4 Pillars. It was one of the best decisions of my life to use services of Blair as my debt consultant . He treated me with respect, never judging, and his kindness and smile made me feel so secure that everything will be okay and it was. He was able to do exactly what he said by reducing my debt from $29,000 to $6,000!

Thank you Blair Greenwood for taking away the tonne of weight I was carrying on my shoulders. You gave me back my peace of mind again.

Victoria, BC

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Diane G – Marketing Manager

Debt reduced from $90,000 to $28,500
$475/month for 60 months at 0% interest

Blair was exceptional from start to finish. He calmed me immediately from the extreme stress of the financial pressure and assisted me to develop and execute a plan with the most successful outcome. Blair was highly professional, honest, caring and non-judgemental. This was a life changing opportunity and I am going to make the most of it and never find myself in this situation again.

This was a life changing opportunity

Debt reduced from $90,000 to $28,500
$475/month for 60 months at 0% interest

Blair was exceptional from start to finish. He calmed me immediately from the extreme stress of the financial pressure and assisted me to develop and execute a plan with the most successful outcome. Blair was highly professional, honest, caring and non-judgemental. This was a life changing opportunity and I am going to make the most of it and never find myself in this situation again.

Victoria, BC

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Ryan S.

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

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

Red Deer, AB

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SR

I was both a financial and emotional mess. I was going through a nasty divorce and left to care for my children on limited means. My health is getting worse by stress and growing dance and credit company harassment I wasn't performing in my job. I felt like I was a failure. A friend of mine told me about 4Pillars I was reluctant at first as I was embarrassed of my situation. When I finally met with Sue, I broke down. Sue was amazing. She quietly listened and gave me sound clear instruction. Throughout the process, I was comfortable and confident. 4Pillars staff was excellent with helping me on board. I now recommend family and friends that speak of their personal struggles to go talk to Sue at 4Pillars. Because there is a solution and clear plan to rebuild your life.

I was both a financial and emotional mess. I was going through a nasty divorce and left to care for my children on limited means. My health is getting worse by stress and growing dance and credit company harassment I wasn't performing in my job. I felt like I was a failure. A friend of mine told me about 4Pillars I was reluctant at first as I was embarrassed of my situation. When I finally met with Sue, I broke down. Sue was amazing. She quietly listened and gave me sound clear instruction. Throughout the process, I was comfortable and confident. 4Pillars staff was excellent with helping me on board. I now recommend family and friends that speak of their personal struggles to go talk to Sue at 4Pillars. Because there is a solution and clear plan to rebuild your life.

Nanaimo, BC

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Brenda M

Nothing Before 4 Pillars I had a lot of sleepless nights and I was also stressed out over my bills without 4 Pillars my boyfriend and I wouldn’t have been able to take the trip we took in September for our anniversary thank you Adrian Brenda M

In response to: “Is there room for improvement or anything you would change?”

Nothing Before 4 Pillars I had a lot of sleepless nights and I was also stressed out over my bills without 4 Pillars my boyfriend and I wouldn’t have been able to take the trip we took in September for our anniversary thank you Adrian Brenda M

Peterborough, ON

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Rebecca

Service was excellent! Provided me with enough information about debt and credit counselling to make me feel confident in my decisions regarding my finances. Rebecca

In response to: “Is there room for improvement or anything you would change?”

Service was excellent! Provided me with enough information about debt and credit counselling to make me feel confident in my decisions regarding my finances. Rebecca

Peterborough, ON

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A

Anonymous

Good morning!!!!

I just thought I would drop you a line and say THANK YOU!!!!!!!

It’s been 1 year since my proposal. I followed your advice; I opened a PC account with no fees, I obtained a credit card through capital one and guess what!?!?!? I am now driving a brand new 2016 Mercedes Benz!!! AND I just made my first mortgage payment today!!!! Wow what a difference a year makes! What a difference you made for me!

Again a GREAT BIG TAHNK YOU

Good morning!!!!

I just thought I would drop you a line and say THANK YOU!!!!!!!

It’s been 1 year since my proposal. I followed your advice; I opened a PC account with no fees, I obtained a credit card through capital one and guess what!?!?!? I am now driving a brand new 2016 Mercedes Benz!!! AND I just made my first mortgage payment today!!!! Wow what a difference a year makes! What a difference you made for me!

Again a GREAT BIG TAHNK YOU

Peterborough, ON

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Dave

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

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

Calgary, AB

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A

Anonymous

Robert Shillingford took care of me and provided me with excellent service

Robert Shillingford took care of me and provided me with excellent service

Calgary, AB

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Isabel L

Cannot think of anything else as you are doing just great. I have been very happy with the services that I got. Miles and Adrian made us feel very comfortable when talking with them. Thanks for getting rid of a lot of the stress we had. Isabel L

In response to: “Is there room for improvement or anything you would change?”

Cannot think of anything else as you are doing just great. I have been very happy with the services that I got. Miles and Adrian made us feel very comfortable when talking with them. Thanks for getting rid of a lot of the stress we had. Isabel L

Peterborough, ON

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William P.

4 Pillars cut my debt by 74%. They have me back on track, and I'm ready to be debt free again. Thank you 4 Pillars!!

4 Pillars cut my debt by 74%. They have me back on track, and I'm ready to be debt free again. Thank you 4 Pillars!!

London, ON

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JO

It feels great not to have creditors on my a$$ daily!! Small steps to where I want to be in life, debt free and more!! Thank You for making all of this possible. I'll be forever grateful for all you've done.

It feels great not to have creditors on my a$$ daily!! Small steps to where I want to be in life, debt free and more!! Thank You for making all of this possible. I'll be forever grateful for all you've done.

Parksville, BC

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CF

I was hesitant at first, I owed around $30,000 or more. I am so thankful that I went with 4Pillars. Myself and FAMILY are so relieved our debt is so much easier to handle. 4Pillars, can be trusted. I will be debt-free in four or five years. Words can't explain the gratitude I feel. Thank you Sue.

I was hesitant at first, I owed around $30,000 or more. I am so thankful that I went with 4Pillars. Myself and FAMILY are so relieved our debt is so much easier to handle. 4Pillars, can be trusted. I will be debt-free in four or five years. Words can't explain the gratitude I feel. Thank you Sue.

Nanaimo, BC

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Ivy

You reduced my debt from about $28,000 down to $9,000. No more sleepless nights or harassing calls. Now I have savings in the bank and with your help I am rebuilding my credit.

You reduced my debt from about $28,000 down to $9,000. No more sleepless nights or harassing calls. Now I have savings in the bank and with your help I am rebuilding my credit.

Kelowna, BC

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A

Anonymous

Thanks again for participating in my study it was really interesting talking to you.

Thanks again for participating in my study it was really interesting talking to you.

Peterborough, ON

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David

Nothing. Excellent all around. I would not hesitate to recommend 4Pillars **** to anyone. David.

In response to: “Is there room for improvement or anything you would change?”

Nothing. Excellent all around. I would not hesitate to recommend 4Pillars **** to anyone. David.

Peterborough, ON

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S

Steven

I was speaking with my friend this weekend about my financial situation as I knew that she also had some severe financial hardships of her own. I explained to her my situation as well as that I had planned to apply for a consumer proposal through a different company. I also explained to her that the lady I spoke with at other company left me feeling quite embarrassed and belittled because of my financial situation and the fact that it had come to this point. My friend told me that had your office assist them and that she was extremely happy with how you treated them and handled their situation. I am a single parent who has moved jobs a few times and I am currently in a financial situation which is not good. Based on the positive feedback that my friend gave me as to her experiences with you, I am really hoping that you could examine my financial position and perhaps provide me with options that are available to me. Steve became my client and this is what he had to say after our initial consultation: "Thank you again so much for making me feel comfortable. You are a much needed and welcomed blessing in my life right now with everything that's going on. I am very grateful for that."

I was speaking with my friend this weekend about my financial situation as I knew that she also had some severe financial hardships of her own. I explained to her my situation as well as that I had planned to apply for a consumer proposal through a different company. I also explained to her that the lady I spoke with at other company left me feeling quite embarrassed and belittled because of my financial situation and the fact that it had come to this point. My friend told me that had your office assist them and that she was extremely happy with how you treated them and handled their situation. I am a single parent who has moved jobs a few times and I am currently in a financial situation which is not good. Based on the positive feedback that my friend gave me as to her experiences with you, I am really hoping that you could examine my financial position and perhaps provide me with options that are available to me. Steve became my client and this is what he had to say after our initial consultation: "Thank you again so much for making me feel comfortable. You are a much needed and welcomed blessing in my life right now with everything that's going on. I am very grateful for that."

Tecumseh, ON

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Jennifer D.

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.

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.

Edmonton, AB

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Brenda

You always have a way of making me feel so much better!! Thank you so much for taking care of us, Liliana!!!

You always have a way of making me feel so much better!! Thank you so much for taking care of us, Liliana!!!

Tecumseh, ON

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K.B.

The process was well laid out - so that brought me to meeting with Charlie for the first time. It was a comfortable environment, with compassion and understanding of the journey. The anxiety was kept to a minimum.

The process was well laid out - so that brought me to meeting with Charlie for the first time. It was a comfortable environment, with compassion and understanding of the journey. The anxiety was kept to a minimum.

North Okanagan, BC

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S. Kim, North York

I have known Zach Brull for the last 9 months. From the very first meeting to now (second credit counselling). Zach has been very professional and yet very kind. Super knowledgeable but non-judgmental and sympathetic. Zach is an amazing person, and took time and energy to make this stressful time into very high end ~something time. Thank you so much, Zach!

I have known Zach Brull for the last 9 months. From the very first meeting to now (second credit counselling). Zach has been very professional and yet very kind. Super knowledgeable but non-judgmental and sympathetic. Zach is an amazing person, and took time and energy to make this stressful time into very high end ~something time. Thank you so much, Zach!

Markham, ON

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