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Hear what hundreds of clients had to say

Average of 4.9 out of 5 from 1004 our inhouse reviews


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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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Chris Graham

With the help from Zach my stress levels of being in debt and money problems have been lifted and I am able to start planning my future instead of worrying about it. Thanks!

With the help from Zach my stress levels of being in debt and money problems have been lifted and I am able to start planning my future instead of worrying about it. Thanks!

North York, ON

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Dave

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.

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.

Mississauga, ON

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Don & Ann

Thank you for the email. We are very happy that the proposal went through, now we can get on in life and move forward. We really appreciate all that has been done and we think that Charlie Peet did a great job.

Thank you for the email. We are very happy that the proposal went through, now we can get on in life and move forward. We really appreciate all that has been done and we think that Charlie Peet did a great job.

Kelowna, 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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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

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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Ruth C.

Helping out family over the years had brought me to the brink of unmanageable debt. I wasn't getting ahead no matter how hard I tried. I decided to surf the web for various debt relief programs, and settled on the one that I felt the most secure about, www.4pillars.ca. It was the best decision I made. Jane's knowledge and expertise helped me find the best solution. I can truly say, that after my financial heaviness in the past, I can finally "breathe" again. Thank you Jane. P.S. This note is sincere and illustrates the depth of my feeling and represents my new found financial freedom.

My financial heaviness in the past

Helping out family over the years had brought me to the brink of unmanageable debt. I wasn't getting ahead no matter how hard I tried. I decided to surf the web for various debt relief programs, and settled on the one that I felt the most secure about, www.4pillars.ca. It was the best decision I made. Jane's knowledge and expertise helped me find the best solution. I can truly say, that after my financial heaviness in the past, I can finally "breathe" again. Thank you Jane. P.S. This note is sincere and illustrates the depth of my feeling and represents my new found financial freedom.

Sarnia, ON

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VL

This note is to express how I feel about 4 Pillars. I have been treated like I was investing in the company they were so kind. I was given all of the information I needed and Scott Patton was the best, very professional and friendly. You should be proud to have these people working for your company. Thank You

This note is to express how I feel about 4 Pillars. I have been treated like I was investing in the company they were so kind. I was given all of the information I needed and Scott Patton was the best, very professional and friendly. You should be proud to have these people working for your company. Thank You

Kitchener, ON

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Anonymous

I am so blessed to have advisor like Ashley, she has the heart and the willingness to help you through out the process.

I am so blessed to have advisor like Ashley, she has the heart and the willingness to help you through out the process.

Regina, SK

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J.C., Nanaimo

I cannot begin to express how wonderful Sue Grubac of 4 Pillars has been in walking me through the process of putting my life back on track financially. The situation in which I found myself was stressful and overwhelming but Sue was patient, courteous, respectful and compassionate and, thanks to her diligence, I am on my way to a brighter future. I sincerely recommend 4 Pillars for a 'Fresh Start'

I cannot begin to express how wonderful Sue Grubac of 4 Pillars has been in walking me through the process of putting my life back on track financially. The situation in which I found myself was stressful and overwhelming but Sue was patient, courteous, respectful and compassionate and, thanks to her diligence, I am on my way to a brighter future. I sincerely recommend 4 Pillars for a 'Fresh Start'

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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Janet

4 Pillars was a huge help to easing the financial stress in my life. They were very informative and gave me lots of options. They were very friendly and easy to talk to. I would recommend them if anyone was in the same situation as myself.

4 Pillars was a huge help to easing the financial stress in my life. They were very informative and gave me lots of options. They were very friendly and easy to talk to. I would recommend them if anyone was in the same situation as myself.

Kitchener, ON

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Neil C

I was buried and at my wits end with multiple companies threatening to garnish my wages. I was barely making ends meet as it was. Bob helped me stop the garnishes while working to get me set up on a better financial path. Very professional!

I was buried and at my wits end with multiple companies threatening to garnish my wages. I was barely making ends meet as it was. Bob helped me stop the garnishes while working to get me set up on a better financial path. Very professional!

Kamloops, 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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Elaine and Bob

Your thoughtfulness was special and very timely too. How good it is to know people such as you. Elaine and Bob.

Your thoughtfulness was special and very timely too. How good it is to know people such as you. Elaine and Bob.

Peterborough, ON

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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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Sara Pittman

Chris, Thank you so much for your guidance through the process of dealing with my debt. I was at my wits end and you explained my options and supported me through each step. I especially appreciate how quickly you responded to emails or phone calls each time I became anxious about something. You are a wealth of information, a pleasure to deal with and you have a fine sense of humour - which always helps. I look forward to working with you as we rebuild my credit over the next couple years.

Chris, Thank you so much for your guidance through the process of dealing with my debt. I was at my wits end and you explained my options and supported me through each step. I especially appreciate how quickly you responded to emails or phone calls each time I became anxious about something. You are a wealth of information, a pleasure to deal with and you have a fine sense of humour - which always helps. I look forward to working with you as we rebuild my credit over the next couple years.

Victoria, BC

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Bryan

I was in a financial crisis and a family member suggested I call 4 Pillars for help. I made the call and within a week we had a plan together to take the financial stress away, and rebuild my credit. The support I received was phenomenal. I would recommend 4 Pillars to anyone with financial burdens. Thank You

I was in a financial crisis and a family member suggested I call 4 Pillars for help. I made the call and within a week we had a plan together to take the financial stress away, and rebuild my credit. The support I received was phenomenal. I would recommend 4 Pillars to anyone with financial burdens. Thank You

Kitchener, ON

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Sarah L – Bookkeeper

Debt reduced from $51,000 to $19,200
$320/month for 60 months at 0% interest

I am so glad that I pushed past my initial fear of speaking to someone about my overwhelming debt. Blair took an unpleasant situation, and made it a very positive experience. I highly recommend his services.

I highly recommend his services

Debt reduced from $51,000 to $19,200
$320/month for 60 months at 0% interest

I am so glad that I pushed past my initial fear of speaking to someone about my overwhelming debt. Blair took an unpleasant situation, and made it a very positive experience. I highly recommend his services.

Victoria, BC

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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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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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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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Anonymous

I was treated with respect and sensitivity. My advisor was genuine and kind. I would recommend this office to anyone who was in need.

I was treated with respect and sensitivity. My advisor was genuine and kind. I would recommend this office to anyone who was in need.

Calgary, AB

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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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David G – Produce Manager

Debt reduced from $54,500 to $13,200
$13,200 lump sum paid through the Phoenix Fund

Blair helped me understand all the options I had when it came to getting my financial situation figured out and under control. I had reached a very high point of stress trying to solve things on my own but simply after sitting down for one meeting and going over all of it I could already start to feel some of my stress leave. There is still some work for me to do now to help get things back in order, however Blair has been extremely helpful in offering advice and help and my financial future now seems brighter than it ever has.

My financial future some seems brighter than it ever was

Debt reduced from $54,500 to $13,200
$13,200 lump sum paid through the Phoenix Fund

Blair helped me understand all the options I had when it came to getting my financial situation figured out and under control. I had reached a very high point of stress trying to solve things on my own but simply after sitting down for one meeting and going over all of it I could already start to feel some of my stress leave. There is still some work for me to do now to help get things back in order, however Blair has been extremely helpful in offering advice and help and my financial future now seems brighter than it ever has.

Victoria, BC

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Heidi K

None everything was perfect When we were referred to 4 Pillars from a friend, we thought our options were limited. After speaking to Adrian, we saw the light at the end of the tunnel and got our first good night’s sleep in months. Heidi K

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

None everything was perfect When we were referred to 4 Pillars from a friend, we thought our options were limited. After speaking to Adrian, we saw the light at the end of the tunnel and got our first good night’s sleep in months. Heidi K

Peterborough, ON

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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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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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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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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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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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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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Jennifer D – Payroll Data Clerk

Debt reduced from $15,500 to $4,640
$77/month for 60 months at 0% interest

Blair made me feel very at ease and comfortable with my decision. He was upfront and honest and always responded very promptly to my many questions. It was a real pleasure dealing with Blair and I would highly recommend anyone in a hard place to take that step and feel the relief!!!!

I would highly recommend anyone in a hard place to take that step

Debt reduced from $15,500 to $4,640
$77/month for 60 months at 0% interest

Blair made me feel very at ease and comfortable with my decision. He was upfront and honest and always responded very promptly to my many questions. It was a real pleasure dealing with Blair and I would highly recommend anyone in a hard place to take that step and feel the relief!!!!

Victoria, 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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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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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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Daniel F

My small business had run into problems which over time put me in a lot of debt. It put me in a stagnant situation without being able to move forward with my life or career. Jim advised a plan that decreased my debt by almost 70% for a small monthly payment. This has helped me to save money again and has greatly improved my situation.

Small business in trouble

My small business had run into problems which over time put me in a lot of debt. It put me in a stagnant situation without being able to move forward with my life or career. Jim advised a plan that decreased my debt by almost 70% for a small monthly payment. This has helped me to save money again and has greatly improved my situation.

Hamilton, 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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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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R. Liao

Thank you for all your help! Now I can go to sleep!

Thank you for all your help! Now I can go to sleep!

Scarborough, ON

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Sheila B

I would highly recommend Bob to assist you through your challenging financial situation. He is outstanding, compassionate and professional. He and his team worked very hard at ensuring our small business and personal debt load was taken care of in a timely manner. This process has been life changing for both me and my husband.

I would highly recommend Bob to assist you through your challenging financial situation. He is outstanding, compassionate and professional. He and his team worked very hard at ensuring our small business and personal debt load was taken care of in a timely manner. This process has been life changing for both me and my husband.

Kamloops, 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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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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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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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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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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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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Alen M.

Everything was explained in easy to understand terms. Meetings with Charlie were always informative and left me feeling at ease with my financial situation.

Everything was explained in easy to understand terms. Meetings with Charlie were always informative and left me feeling at ease with my financial situation.

North Okanagan, BC

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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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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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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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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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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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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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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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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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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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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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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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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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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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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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Bowen M – Communications Coordinator

Debt reduced from $110,000 to $31,750
Paid $10,000 lump sum and $362.50 for 60 months at 0% interest

Working with Blair was the key step in resolving a decades-long debt issue. It is impossible to underscore how important working with him has been in moving a debt issue to a place that is finally manageable. Blair is patient, understanding and knowledgeable. I'd work with him again in a heartbeat. I've already referred friends to him. Call him.

Key step in resolving a decades long debt issue

Debt reduced from $110,000 to $31,750
Paid $10,000 lump sum and $362.50 for 60 months at 0% interest

Working with Blair was the key step in resolving a decades-long debt issue. It is impossible to underscore how important working with him has been in moving a debt issue to a place that is finally manageable. Blair is patient, understanding and knowledgeable. I'd work with him again in a heartbeat. I've already referred friends to him. Call him.

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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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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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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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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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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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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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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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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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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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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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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Zdenka

One of my friends recommended Hugh to take care of my debt problems. I was scared that I had to go bankrupt. Hugh explained all my options very clearly and was very supportive of my physical pain and stress. Hugh gave me hope and now I feel I can retire debt free in a few years. Thanks Hugh

I can retire debt free in a few years

One of my friends recommended Hugh to take care of my debt problems. I was scared that I had to go bankrupt. Hugh explained all my options very clearly and was very supportive of my physical pain and stress. Hugh gave me hope and now I feel I can retire debt free in a few years. Thanks Hugh

Burlington, ON

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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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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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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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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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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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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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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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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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J

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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C

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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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

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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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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A

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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A

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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K

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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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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P

Paul

Nothing. The service we received was above and beyond. Paul.

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

Nothing. The service we received was above and beyond. Paul.

Peterborough, ON

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I

Ian R – Security Guard

Debt reduced from $38,000 to $7,000
Paid $7,000 lump sum

I am writing this letter on behalf of my consultant, Mr. Blair Greenwood of 4 Pillars. I was experiencing a serious debt problem which was spiralling out of control when I had the good fortune to come across Mr.Greenwood's business card at a local establishment. I called Blair Greenwood and we arranged a meeting. Following our initial talk, Blair laid out all the options for resolving the issue and we made a decision that was the correct one. Blair also kept me updated as to the progress of the settlement. Blair worked very hard to resolve my difficult situation and save me the maximum amount of money. My case was disposed of quite quickly, and at reasonable cost to my full satisfaction and I am now completely debt free due to Blair's expertise. Blair also continues with follow up calls, and definitely shows ongoing interest in his clients. Therefore, I would highly recommend Mr. Greenwood to those who have debt problems and need a professional advisor.

I am now completely debt free due to Blair’s expertise

Debt reduced from $38,000 to $7,000
Paid $7,000 lump sum

I am writing this letter on behalf of my consultant, Mr. Blair Greenwood of 4 Pillars. I was experiencing a serious debt problem which was spiralling out of control when I had the good fortune to come across Mr.Greenwood's business card at a local establishment. I called Blair Greenwood and we arranged a meeting. Following our initial talk, Blair laid out all the options for resolving the issue and we made a decision that was the correct one. Blair also kept me updated as to the progress of the settlement. Blair worked very hard to resolve my difficult situation and save me the maximum amount of money. My case was disposed of quite quickly, and at reasonable cost to my full satisfaction and I am now completely debt free due to Blair's expertise. Blair also continues with follow up calls, and definitely shows ongoing interest in his clients. Therefore, I would highly recommend Mr. Greenwood to those who have debt problems and need a professional advisor.

Victoria, 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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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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S

Sandra

Thank you Adrian! Kelly Stinson is riding high in her new Caravan. Thank you for the referral. Look forward to meeting you in person. Here’s to a Great New Year!! Sandra.

Thank you Adrian! Kelly Stinson is riding high in her new Caravan. Thank you for the referral. Look forward to meeting you in person. Here’s to a Great New Year!! Sandra.

Peterborough, ON

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Yvonne

Dear Adrian and Miles I like to thank you both for everything that you have done for me. You helped me at a time in my life when I didn’t know where to go or what to do. My whole world had fallen apart. From my first appointment, I felt assured and confident that everything was going to work out, and now that everything is finalized. I can breathe once again and soundly at night and live life Thank you both Yvonne

Dear Adrian and Miles I like to thank you both for everything that you have done for me. You helped me at a time in my life when I didn’t know where to go or what to do. My whole world had fallen apart. From my first appointment, I felt assured and confident that everything was going to work out, and now that everything is finalized. I can breathe once again and soundly at night and live life Thank you both Yvonne

Peterborough, ON

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B

B.M.

Thank you so much Trevor for helping my husband and I to get control over our finances. We didn’t know where to turn for help and even when we first met with you, we were still a little unsure as to whether you would be able to help us with our debt or not. For us, realizing that our debt was out of control and taking that first step to contact you was very difficult for us. We certainly are glad that we did use your services and that you were able to reduce our debt from $97,000 to $32,400. WOW! Who would have imagined that? Not me. Thank you again. We highly recommend you to others who might find themselves in the same or similar situation that we were in. Sincerely, B.M.

Thank you so much Trevor for helping my husband and I to get control over our finances. We didn’t know where to turn for help and even when we first met with you, we were still a little unsure as to whether you would be able to help us with our debt or not. For us, realizing that our debt was out of control and taking that first step to contact you was very difficult for us. We certainly are glad that we did use your services and that you were able to reduce our debt from $97,000 to $32,400. WOW! Who would have imagined that? Not me. Thank you again. We highly recommend you to others who might find themselves in the same or similar situation that we were in. Sincerely, B.M.

Oshawa, ON

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