Hear what hundreds of clients had to say

I was very impressed with Charlie Peet and his ability to help me with my debt problems. After discussing my situation with Charlie he explained my options, and answered all of my questions so I could choose the best solution for my situation. I felt very confident navigating through the bankruptcy process with Charlie's help.

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

Nothing you guys are always ****thanks for all the help. I am happy for all you guys have done for us! Gave me a great *****always ******for positive feedback. Thanks so much

We are extremely happy that we were referred our clients to you. Here is an excerpt from their recent email: “Zach was great! He’s smart and knows what he’s talking about. He was EXTREMELY thorough in explaining everything to us. Thank you for putting us in touch with Zach.” Thank you Zach for taking such good care of my clients. I know with you looking after them, they will be ready to purchase much sooner! Yours Truly, Heather Keeling

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.

After losing my job to an injury, the stress of providing for my family was increasing as rapidly as the bills were stacking. Feeling like we had come to a dead end, we took one more leap of faith and contacted Scott Patton from 4 Pillars Consulting. Scott handled our financial debt with outstanding professionalism. He was always quick to respond to any questions or concerns we had. He handled the process of our situation with ease and formed a trust with us that was comforting. Because of Scott’s devoted assistance and success with our case we were able to start our own small business. We would highly recommend his services!

Signed
J&A

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

Nothing, the service was excellent Was wondering how I was going to pay my bills was always stressed, went to 4 pillars and was made aware of my options and when everything was done they made me feel welcome and stress free. If it wasn’t for 4 pillars I probably would have filed for bankruptcy Laura R

Before we met with Zach, we were very stressed about our debt and didn’t know where to turn. He met with us and explained our options CLEARLY. He stayed in touch with us throughout the process and saved us so much money! Thank you, Zach!

This information should be taught to everyone

I appreciate that everything was explained to me plainly without any 'bells & whistles'. The consultation made me feel comfortable about a tricky situation. This information should be taught to everyone.

From our very first contact we were made to feel very comfortable, and we always felt our best interests were being met. We were especially pleased that Charlie is always available to answer questions, and has been more than helpful in helping us rebuild our credit. This was the best move we have made and we are so grateful to Charlie.

In the few years preceding 2013, my family was, like many Canadian families, living a life of quiet desperation. We were financially devastated.
This situation began when my husband was sued by a client. This was certainly the catalyst. He went into a deep depression, and, of course, didn’t work for a while. I had to pay all of the bills which included 3 credit card accounts. I had been using these cards to help with the monthly expenses.

I started looking around to find a solution to this situation. But the worse was to come. I did some research, asked questions, and was given all kinds of advice. Following some of these, included, ‘Stop paying the cards’. I had never missed a minimum payment. That was the only way those companies would take my case, and after I had saved enough money, they would negotiate a settlement for me with my creditors. In the meantime, I was to pay them a monthly fee. In hindsight, that was very bad advice.
As I followed this advice, the calls started, and finally, all accounts were put through the courts, and my wages were being garnished. By this time, no one would help us. We lost additional money paying these companies for services not rendered. Can anyone imagine the level of stress and strife within my household?

Then, by luck ( I call it that ), I was introduced to 4 Pillars, and Scott Patton. I explained our situation, and his first words were: 'We could get you out of this predicament within a couple months.' So said …..so done.

To us, the process seemed simple. But we knew that the legal procedures and process that Scott and his team were following were extremely detailed. They fought for us, and truly worked on our behalf. We were kept informed through every step, and finally in a few months, we were able to resume our lives stress free.

There is a very important feature of the 4 Pillars program which includes budgeting and credit rebuilding. Having followed their guidelines and ongoing advice, I can say that only after 14 months, both my husband and I have decent credit scores. So much so that we were able to secure a car loan and we were approved for an unsecured credit card to help us rebuild our credit.

Through education, all the myths regarding debt reconstruction were dispelled. We found this to be a safe program designed to help us. We also learned quite a few lessons, one of which is that there is a company out there truly committed to helping families in trouble.

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

You could advertise more as many people don’t know this option is available. When I found out about 4 pillars, I was drowning in debt, my financial life was spinning out of control. Through a friend I found out about 4 pillars, Adrian and Miles were very kind and caring. They also were very professional and reassured me things were going to be alright I am now on my *****financially and I am happy person again, I’m rebuilding my credit and I now sleep all night. I would highly recommend 4 pillars to anyone who is facing financially *******4 pillars, Adrian & miles thank you for giving me my life back

Zach and his associates were there every step of the way and actioned any and all questions I had promptly, even in the last hours of the night. I highly recommend letting Zach help my friends and family that need debt consolidations.

$32,000 of debt reduced to $10,500

I had been dealing with ********** (name removed), paying all kinds of fees with no results. After 4 months with ********* (name removed) I was frustrated. Came to 4 Pillars and everything was concluded completely in 2 months. Amazing - No stress - So professional.

My credit cards were the source of my financial problems. I could not seem to decrease balances because of interest being added. Coming to 4 Pillars freed me, and gave me an entirely new lease on life. The service was excellent. I am extremely grateful, especially to Charlie.

I was referred to 4 Pillars by a good friend of mine who saw I was struggling. I was going through the worst time of my life after being defrauded. My friend came with me to my first appointment as I didn’t know what to expect and was really nervous. I believed I would be regarded as not being too bright because of my situation.
Right from day 1 Scott made me feel at ease. There has been no judgement. Scott has been there to answer any questions or concerns I have had. I am working on trust issues still. I put my trust in Scott and have not been disappointed. I found out on December 4/2015 that my consumer proposal was accepted. It was an emotional day. If you are debating about whether or not to contact 4 Pillars, do yourself a big favour and go for it. You have absolutely nothing to lose but wasted time paying interest rather than paying down principle. There is a light at the end of the tunnel. Thank you Scott!

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

Well as far as I’m concerned for me you provide everything I need to know. Going to 4 pillars was the best decision I made in my life my debt was out of control and now I known now how to manage my money a lot better. They lifted that stress relief from my creditors. Liz A

I was very nervous at the beginning but Zach helped me through the experience. I am very grateful.

The information given in the credit counselling sessions was very helpful and informative. The handouts helped me recall what had been explained. When I got my credit reports I found them difficult to understand, but Charlie was able to interpret them for me. Charlie is very personable and down to earth. He was very helpful and gave me useful information to move forward.

Before I called Scott at 4 Pillars, I had been thinking about contacting them for a few months. On a cold January afternoon, I was left with no choice but to finally do it an hour after I was laid off from my job, which was barely allowing me to make even the most minimum of payments on my debts.
The haziness and anxiety surrounding the months prior to reaching out to 4 Pillars for help started disappearing after my first phone call with Scott. I’m sure that he didn’t believe that I ‘had a cold’, and could tell that I was stressed beyond belief, but he spoke to me like I wasn’t a complete failure, which is the feeling that followed me very closely that day.

I felt comfortable with him right away and looked forward to our appointment very much, as much as I resented the fact that I found myself in this situation. After a series of unfortunate events, I was left with debts that I would not have been able to pay off unless I married into royalty, and was close to declaring bankruptcy.
Scott provided me with enough information and options that I never had to go through with this option and was able to settle on the consumer proposal as a way to deal with my debt.

Although a relief in some sense, to bring your debt down to a manageable size, it is still a difficult process to go through, but Scott was there every step of the way and made the whole thing seem less daunting than it did in the beginning.
I can’t thank you enough for the humanity you brought to the whole process Scott, and for reducing my debt from $47,000 down to just $14,700.

Sincerely,

H.B.

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

Adrian and Miles are very professional and reasonable. They both have increased my confidence level regarding improving my financial status and long term goals both professionally and personally, I would highly recommend them both to anyone needing financial guidance and support. Shawn F

Zach made us comfortable and gave us confidence to get through this. We really appreciate his help.

$16,000 reduced to $6,600

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. Thanks Adrian. ($16,000 original debt reduced to $6,600 ($110 x 60 months)).

I have never been so thankful to have picked up the telephone and called Charlie of 4 Pillars. I am thankful not only for guidance, but the level of care & compassion for the individual.

Scott at 4 Pillars Consulting is amazing! He doesn’t judge, shows humility and kindness and is willing to make sure you are comfortable with any direction you take with your financial situation. I’ve asked him dozens of questions ( sometimes the same question phrased differently ), and he always answers with grace.
Even after a few changes had to be made with our proposal, he was right there to make sure we knew what to expect and how to navigate any unexpected issues. Overall, I was highly satisfied with my experience at 4 Pillars and would HIGHLY recommend them to anyone seeking sound financial advice.

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

Nothing, you guys are already great. You guys already know what you are doing. You guys did a wonderful job reducing my debt. I cannot express my gratitude enough in my situation. Thanking you again from the bottom of my heart. Angela M

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

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

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

The service I received from Charlie and Monique was exceptional. Everything was explained thoroughly and precisely. It's been a pleasure to be a client. Having the added pressure ceased has been a great relief.

Hello everyone. Scott at 4 Pillars in Kitchener is the best! I was worried at first and thought it was too good to be true and that it was costly to do a proposal. Scott seemed so knowledgeable and has been helping people in my situation for years and he is part of a very reputable company so I went ahead with it and basically trusted my life with him as I was in financial RUIN!

I was stressed out very often and at times thought that my proposal would not get accepted and I would message Scott at weird hours day and night, and he would help me calm down so the end to this story is the best!

My proposal was accepted!! I have to only pay back a quarter of what I owed to my creditors and I was able to keep my homes and my business. I owed so much money before this I could not pay it back or even pay all of the payments every month. I thought that I was going to lose everything!

I would totally recommend Scott at 4 Pillars Kitchener to everyone and I always will. Thank you Scott!

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

Everything was perfect and easy I am very satisfied with the level of service. I am very relieved to have my finances under control for the first time in years.

We are very happy that we contacted 4 Pillars. We would not have been able to live in our seniors apartment if we were still carrying the debts we had. It is such a load off our shoulders and our mind. Thanks to 4 Pillars.

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

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

Charlie and his team have made dealing with a difficult situation simple. They took the fear of the entire process and turned it into understanding and confidence in our choices and options. We are on a new road to financial stability and success thanks to 4 Pillars!

Very trustworthy and friendly debt consulting services provided by Scott Patton. I came to his office with a problem and he helped me leave with a solution. Scott will support you with a clean cut plan and guide you from point A to point B.

I highly recommended him to anyone who wants to get their finances and life back on track! Thanks Scott!

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

Nothing! They were easy to talk to and I felt comfortable calling with any questions or concerns I had! Very friendly and helpful I had debt with my credit cards for a while due to many house renovations. Making all payments every month wasn’t getting me anywhere because of interest. It was very stressful until 4 pillars helped me. They took care of everything, no more phone calls or letters and I finally felt stress free about my finances! Tana

Keep doing what you are doing. Your services are excellent.

We cannot recommend you enough

Thank you Chris for getting us through a difficult time. Your help in getting us there, both mentally and financially is very much appreciated. We cannot recommend you highly enough to anyone in financial crisis.

I have a slower understanding of English and Charlie spoke slowly for me. He made me feel comfortable to talk about my private financial issues. He is making my life easier. Even though I began this process in 2009, he is still there for me just as much in 2013. I know I chose the best advisor and I would recommend his name to my friends.

Scott is A+ in my books. He definitely goes that extra mile for you and super friendly and easy to talk to.

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

In my case a seasonally adjusted payment plan would help ease winter fears as majority of work happens between April and November (roofing) It is early in the game for me but pressure has eased and have no regrets in having asked Miles and Adrian (4 Pillars) for their help. At 50 years old I feel I have a future debt free. Monica S

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!

From a raving fan, thank you

Charlie - You handled things like the professional and gentleman you are. Now I'm not 'All Shook Up'. Yes-You did it your way and kept me out of 'Heart Break Hotel!' So Charlie, So Monique-from a raving fan Thank You for everything! Thank you Very, Very Much!

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.

I just have to say, my advisor, Scott, at 4 Pillars was very knowledgeable and patient. He assessed my situation and worked with me at what he thought worked best for me, based on my situation. He found a solution to help get me back on track and gave me the confidence to start living my life again, without the stress of wondering where money was going to come from.

I would highly recommend the assistance of 4 Pillars to anyone who has financial debt.

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

It’s so good to have a stress free life! For the first time in many years I have some money in the bank and spend my money differently (thinking before I buy) Kate B

Working in the financial lending world, I have had the opportunity to work with 4 Pillars offices across Canada including the Muskoka / Parry Sound office. I have nothing but great things to say. Don't be fooled by other companies. This company is very unique and has the ability to help people get out of debt, unlike any other company in Canada. To top it off, they treat their clients with compassion and understanding. In my professional opinion, 4 Pillars is Number 1 for those looking to become debt free.

I was skeptical during the consultation

When I met with Mr. Peet first I was initially skeptical about what he said could be achieved. He explained all the options I had and explained all costs and risks. During this consultation I became more comfortable as Mr. Peet was empathetic and even had a smile on my face. Over the several weeks we worked together he had a clear and concise strategy for my whole picture. The result was amazing! My debt load was about $66,000 and now it is reduced to $21,000 and I have up to 5 years to pay it back interest free. Since my deal has been finalized I have continued to use his after care services to get a manageable budget in place and understanding the credit system with his educational and informative tools. This in turn will lead to a successful credit recovery. Thanks Charlie for a return to reality and help to live without debt!

Charlie is full of great information. He saved me from bankruptcy when I assumed it was my only option. Great service and personal attention!

I first met with Scott on January/2010. My debts had overwhelmed me and I needed guidance and help so I could restart my life without going bankrupt. I am 60 years old and had been dramatically affected by the recession.
Scott has been able to layout a plan that will allow me some freedom to enjoy life, anxiety free. Scott’s professionalism and calm approach to solving my financial issues was a godsend. Thank you Scott!!

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

To our knowledge nothing, everything was explained very well. Thank you so much for helping Paul and I, this was the hardest thing we have ever done. We weren’t proud of having to do a proposal, but are very happy we can get on with our life now a little easier without all the phone calls. Thank you again. Paul & Anna D