Hear what hundreds of clients had to say

Laurence provides an amazing service. He works so hard for his clients to ensure that they reach their goal of becoming debt free. When you meet him, he puts you at ease, you know you are in good hands. He takes the time to walk you through each step along the way. His negotiating skills are unbelievable and so are the settlements that she gets for his clients. Laurence has helped me immensely so I am confident in recommending his services to you. If you're struggling with debt and looking for options contact Laurence today!

Laurence is dedicated to helping you find the best solution to resolve your financial issues. If you're looking for help and need advice, I highly recommend you contact Laurence as soon as possible.

Charlie, I just wanted to let you know that everything is in the works and the paperwork will be ready this week. I wanted to thank you so very much for all of your help and guidance. Take care and never change how you deal with clients as your compassion, caring and understanding during trying times is absolutely amazing.

I am very very happy with 4 Pillars

Debt reduced from $17,500 to $3,150
Paid lump sum

4 Pillars has changed my financial direction from really awful to amazing. Blair Greenwood was very knowledgeable in helping me understand the process and making sure I got the best debt consolidation possible. From $17,500 down to a promise of $7,200 and a final agreement of even less: $4,200 PLUS a 25% clause if paid in full. I am VERY VERY HAPPY with 4 Pillars and would recommend them to anyone who is willing to do what it takes to move forward financially.

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.

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

4 Pillars is an amazing company

Debt reduced from $19,000 to $4,425
$73/month for 60 months at 0% interest

4 Pillars is an amazing company and helped me so much. I was told about them by a friend and very happy that she recommended them. They get the job done without questioning you, help you with your future finances and find out what you are needing to make it a successful and positive experience.

4 Pillars has friendly and easy going staff. Help me from having to deal with creditors phone calls.

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

We encourage that anyone doing a proposal have a professional working for them and not the banks

Debt reduced from $200,000 to $51,000
Paid with a lump sum

Upon selling our business we found ourselves unable to pay off all debt owing. Blair Debt Consultant @ 4 Pillars, was recommended to us. We found him to be kind, compassionate, understanding and extremely easy to deal with. We were immediately put at ease. Blair represented us through a proposal to our creditors and removed the stress from our situation. He set up and determined a fair settlement that our creditors agreed to. The process has brought sanity back into our lives. We encourage that anyone doing a proposal have a professional working for them and not the banks. We highly recommend Blair and his company 4 Pillars and can't thank him enough for all he did for us.

I don't think their words to describe the immense wait the lifted off my shoulders. Thank you from the bottom of my heart for the hard work and care you poured into my case. It's very apparent how much you truly care about your clients and we really appreciate not just 4Pillars but you!

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

He worked hard to accomplish the best outcome for me

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

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

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

Everything went exactly as you said it would

Your expert knowledge and professionalism gave us the confidence to have you handle our debt settlement. Everything went exactly as you said it would. We are now debt free and are working on building our credit rating with your help. You are the best!

Hi Charlie, Let me say we are former clients of yours. I'm not sure if you remember but we used your services about 7 years ago and it made a world of difference for us! So thank you for that! Thanks

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!

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

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.

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!!!!

Sue, words can't describe our gratitude and thanks for your guidance and advice through these last few months. Thank you! All the best and we look forward to keeping in touch.

I have recommended 4 Pillars to others in my position

I have recommended you to others I have encountered in my position and want to once again thank you for helping me get my life (and finances) back in shape. Thank You for getting me through this difficult time in my life.

Hi Charlie & Monique You're AMAZING! - You're BOTH amazing... Thank you SO much for your help and expertise thus far... I can't believe that my deal has been accepted. I am looking forward to working with you on the next phase of rebuilding my credit.

Yes, good people sometimes make bad choices

Debt reduced from $57,000 to $12,920

I'd consulted Mr. Greenwood Sept., 2012---I was uncertain & the fees seemed kind of large. When I sought out 4-Pillars, July 2015, I found Blair to be somewhat more: understanding, without being either patronizing or cloying; non-judgemental; optimistic & purposeful--without the 'Tony Robbins'-like ('...you gotta do it Now you gotta do it MY WAY!') intensity. All insolvency--especially that involving Consumer Debt--is the result of a long string of spectacularly bad decisions. Yes, good people sometimes make bad choices. mine were perpetrating drains on both my finances & my physical Health. Blair Greenwood treated my situation with respect, optimism & the quiet confidence, that comes from knowing he's already made a positive difference in other people's lives. The measure of that confidence is Mr. Greenwood's acceptance of my suggestion to adopt a 2-tiered schedule, for remuneration & reparation payments.

Dear Sue I so appreciate you and your plan… I sent a friend to you and 4Pillars gave him the opportunity to reduce his accumulated debt into a workable plan. I'm so impressed with this opportunity…

Charlie was a professional from the very start. He coached me through a very stressful time in my life. In fact he is still working with me today to rebuild my financial stability. I know that I would not have been able to work through what I did without his help. I cannot say enough about how much I appreciate his work.

It was great having him in our corner

Debt reduced from $26,000 to $11,600

Blair was excellent. It was great having him in our corner. He has a real professional attitude which made us feel at ease and he made sure that everything was taken care of. I would highly recommend Blair to anyone feeling overwhelmed by debt! You feel very welcome the moment you walk in the door and even though you may be feeling 'ashamed', Blair helps you feel like it's ok and the decision you made is the right one.

My experience with Sue Grubac It felt like one of the lowest times in my life, the day I accepted the fact that my finances were out of control. I was riddled with shame, guilt, and stress. I feared judgement and persecution. During our initial meeting, I broke down emotionally. Sue has a very gentle and kind demeanour. I found her to be very compassionate and empathetic. Within the first thirty minutes of meeting Sue I had a renewed sense of hope and relief. Sue was able to thoroughly explain the consumer proposal process to me without overwhelming me. She is extremely knowledgeable. She’s a natural educator. The follow up planning meetings were extremely helpful. Sue helped me visualize and strategize a future without debt. This was the perfect solution for my situation. As a result I have my life back on track. I would highly recommend this process to everyone.

No judgement and with concise instructions

This service was easily accessible and dealt with in a very personable manner. It was great to be met where I was with no judgment, and with understanding and clear concise instructions of what to do next. This service has helped me in moving forward and getting my life back on the right track.

Charlie made a difficult time in our life turn out to be a simplistic and efficient transition. He made us feel valued and understood our unique situation. Thanks to Charlie our life is now less stressful and we are successfully moving forward.

Wish I did this years ago

Debt reduced from $45,200 to $13,800

Blair was amazing! Talked through process step by step, and made you feel supported and listened to. Wish I did this years ago, made our life a lot easier!! Thank you very much!!

As of the 22nd June 2015, and thanks to the professional debt relief expertise and guidance of Sue Grubac of Four Pillars, my wife and I are now free of debt and no longer bankrupt. Hiring Sue to lead us out of our financial misery was the best investment we have made in a long time.........it was money very well spent!

I don't know where we would be without 4 Pillars

I was such stressful times until I met Peter Temple. He has helped me by talking with me and discussing which way I should proceed with my life. I would recommend 4 Pillars to anyone and thankful that I found them. We were shocked how simple it was to dramatically reduce our debt. I don't know where we would be without 4 Pillars.

Charlie, Thank you so much for your guidance and wisdom through this difficult time in my life! I am now awaiting a stress free future with endless opportunities and financial abundance. You have helped make my next step an easy one! Wishing you great success! All the Best,

Very professional, helpful and caring!

Debt reduced from $51,600 to $12,000

With Blair's help, I turned my financial story away from the brink of disaster. I highly recommend his help to anyone struggling under the load of debt. Very professional, helpful, and caring! Thank you Blair!

Everything has gone so well with the proposal - it is a wonderful feeling to know there is light at the end of the tunnel and it's not a train!! Thank you for your help and guidance.

Charlie had a very clear explanation of what is done and what will occur. He has a loud sense of humor and really knows his stuff. I am very happy with the results. Was worth doing - a cloud has been lifted.

I was amazed at how fast it went

Debt reduced from $16,000 to $5,400

I had no idea what this process entailed but right from the very first meeting I felt a sense of relief and trust that Blair gave me. He was very efficient and made the process very quick and stress free. I was amazed at how fast it went and how quick Blair answered all my email. He made this process a very positive one and I have recommended him and will continue to do so in the future. I am very grateful for Blair’s help and he also went out of his way to accommodate my financial situation arrangements on paying the fee of doing a consumer proposal. Blair went above and beyond in every meeting and communication between us and always answered every question I had in a very timely manner. I am so grateful and I am happy that I got to work with Blair. Great person.

We are a family of 5 that where really struggling with our finances for some time, did not see any possibilities of fixing this, creditors calls where getting worst, and overall everything was going downhill, with all the scams out there is hard to tell who is legit when it comes to helping you with this problems, a friend from Nanaimo recommend us Sue from 4pillars, she listened and gave us a plan for us, she was very professional and kind and made it easy for us to know what to do, now we are finally on a stable pace back to a clean start. We highly recommend her. Thank you. Sue for all your help.

Literally saved our marriage

We thought we were hopelessly in debt! Thank you, Chris, for negotiating the settlement of our debts and literally saving our marriage.

I am writing this letter to you to thank you very much in helping me with my debt situation. I have just been informed that my consumer proposal has been accepted, and I am well on my way to becoming debt free. I would highly recommend you to anyone who has debt. I think your services are well worth the fees. Thank you again for your help.

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!

Thank you Sue for helping me get my life back on track! Unfortunately I found myself in some financial difficulty due to a few bad decisions, a divorce and a tough economy. I spoke to some bankruptcy trustees who all convinced me that my only choice was a bankruptcy. I met Sue by chance and she had a different approach. As a result of her advice I saved both time and money and was able to get my life back on track almost immediately after following her advice. I am not saying that what’s right for me is right for you, however, if you find yourself in financial difficulty and need some advise you owe it to yourself to discuss your situation with Sue. She helped me immensely and I very grateful for that. Thanks Sue!

My debts have been completely settled

I originally signed up for debt help with a different company (not 4 Pillars) based out of Ontario and received very poor service and the bank actually decided to sue me. I was completely stressed out and didn't know where to turn. In June of 2013 I went to see a lawyer to help me out with the pending lawsuit and my lawyer, introduced me to Benjy Houser who worked with 4 Pillars Consulting doing debt consolation and counseling. Benjy immediately met with me, we went over my debt, budgets, etc. I was feeling bad about the situation I found myself in but Benjy treated me with tact and diplomacy. He was never judgmental. I will admit that I was at first skeptical about dealing with another debt consolidation company, but Benjy put all those fears aside. I am pleased to say that after only a few months my debts have been completely settled and the lawsuit ended due to his great work. Benjy is truly a pillar in the community. I would without hesitation recommend him to my friends.

We met with Mr. Peet, on first impression he seemed open and honest, even down home. Not stuffy or business like, no business suit either, very comfortable feeling. As I explained more in depth information of my mother's situation he listened patiently and assured us everything will be fine, not to worry, as the consult continued he suggested and gave us what I thought was very good and sound advice that suited my mother's situation. He made us laugh and that made us feel at ease. Near the end of the consult I asked how much this meeting cost, Mr. Peet said no charge I was shocked and surprised. This person is really nice, he obviously cares about the people he consults. This letter is to let you know that Mr. Peet seemed to be a genuine, honest, caring individual who listens to the situation and advises what is best for that person. He also goes out of his way to help anyway he can without asking for reimbursement for travel or gas. Anyone who hires him or uses his consult company will be impressed I know I am and will certainly suggest him to other people. I sure hope that Mr. Peet stays true to his character and show's people his true colors, a caring, honest individual, god bless you Mr. Peet.

I left feeling informed and confident

Debt reduced from $28.500 to $9.600

Blair was extremely helpful and very accommodating. I left feeling informed and confident in the choices I had. He explained everything clearly and answered all my questions. Very professional and friendly.

I have been a client in 4 Pillars for nearly Five Years. My situation five years ago was so dire that I thought it absolutely impossible to avoid bankruptcy and or get out from under the debt load I had at the time which was not far south of $100,000.00. My wife and I were given an option that totally changed both our lives and the way commerce really works. We were counseled on a couple of occasions through the process and in the end, we saw a dignified way to make our financial situation better for all. I have been making my payments on time every month for 56 months. Four more to go! Some months have been challenging, but I KNEW I was obligated to make it work. I have been operating without credit for nearly five years. Believe me, most people's problems have been created by massive debt. I would say I have no problems. I have learned to very much live within my means. Yes, it means giving up the wants that we have or should I say wants that we are taught to want. My life is a bit more frugal. But I am much happier for it.S o when Sue explains to you that there is a better way, I promise you 4 Pillars is a Godsend that should grasp without hesitation!!

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.

Very friendly and helpful service and all of my questions were answered completely.

The outcome was better than I expected

$83,000 to $26,100

Blair was a positive beacon that guided us on this journey. He explained everything, told us what the options were, what he was going to do and what the possible outcomes would be. There were no surprises and the outcome was better than I expected.