Hear what hundreds of clients had to say

Sue, I want to thank you again for all the support you provided to me when all of this started and I want you to know that your program saved my financial hardship. You were there when I needed a direction to turn to. Our future looks a lot clearer. I hope more people will find you and your services and trust that it will change their lives for the better. I trusted you from our first meeting because you didn’t judge my situation, but just listened and offered me a solution that worked. I cannot thank you enough for that and will always think of you if someone is in need of your services. I don’t like to visit that part of my life very often but I can now just smile and thank heavens that I have learned how to be a smarter spender.

I thought it was another dead end road to get out of debt

Before I met Charlie I was feeling stuck, as in stuck with my wheels spinning while going nowhere in regards to my debt. I was making the minimum payments while the interest kept piling up. I came to see Charlie with a semi - closed mind, thinking that it was another dead end road to get out of debt, however, moments into our first meeting I felt comfortable and confident that Charlie knew his stuff and could help. One year has passed since our first meeting and I don't regret my decision to see him and use his services for a millisecond. I can't wait to get everything paid off, and to start rebuilding my credit. Thanks Charlie!

I started the process with Charlie in 2007. After 6 years I contacted Charlie again for his help in rebuilding my credit, and thanks to Charlie I am on the right path again.

I cannot stress how wonderful it feels to have a manageable financial picture again

Debt reduced from $76,000 to $12,000

I would highly recommend Blair! He is extremely knowledgeable and competent regarding the consumer proposal process, and he was honest and helpful from our very first meeting right through the entire process. Blair put my mind at ease immediately, by showing me options to deal with my growing debt - options that I was not aware even existed. He was understanding and non-judgemental, which made a huge difference for me as I was someone who took pride in my financial management skills and I was struggling due to unanticipated circumstances over the course of many years. I had been looking for assistance and options to take care of my debt obligations in a manageable way. Although I was hesitant about the unknown when I first met with Blair, he put my mind at ease right away and provided me with viable step by step options, solid information and facts; and he was available and supportive throughout the entire process. I cannot stress enough how wonderful it feels to have a manageable financial picture again, and I owe it all to Blair! He was an absolute pleasure to work with and I highly recommend him!

To whom it may concern, I have had the pleasure of knowing Sue Grubac for just over one year. From our first introduction meeting over coffee, Sue's passion for resolving debt relief with individuals suffering from short sales, insurmountable debt, credit card debts and a variety of other types was very pleasant. I recently referred Sue to a client of mine that was going through a short sale. Without Sue's time, dedication and experience the sale would not have been completed. Not only was she able to negotiate a short sale, but the entire debt load on this individual. Sue helped give this person smile back! I see this client frequently and they are walking tall again. I highly recommend Sue to any individual looking to know more about Credit, credit scores, building credit or if they have a debt load or short sale they don't know how to sort out. Thank you for being there.

Naturally we were extremely stressed trying to deal with our situation, and we had apprehension when we heard we had to pay a fee. I can honestly say that it was money very well spent, and we would recommend Charlie to anyone needing the service he provides. Thank you so much for helping us.

I have been extremely happy with the service and knowledge

Debt reduced from $22,500 to $4,350

I was mortified and humiliated to find at the age of nearly 70 to find myself in so much debt. I phoned many companies and started to think I was dealing with seconded hand car dealers they all seemed very fast talkers and would not answer my questions over the phone I felt pushed for me to come into the office. This was not the case with 4 Pillars I made an appointment at my convenience and did not feel pushed or harassed into making one. I was very surprised when I met Blair Greenwood a very well educated and eloquent young man. We talk about my problem, he understood my situation and laid out all the options for me. I have been extremely happy with the service and knowledge Blair has given me I would be more than happy to recommend Blair and 4 Pillars to anyone who finds themselves in this difficult and embarrassing situation.

Sue, I was very concerned when one of my clients asked me how much of her assets she could access for her kids to take care of their tax debt. You did exactly what I had hoped you would be able to do, you set up a plan that saved my clients' hard won assets from being gobbled up in this horrible situation. Thank you very much for helping my client and her family.

I have felt very comfortable and treated with great respect throughout my experiences. The value and benefits of this service have exceeded my expectations. The service is very structured and Charlie is really great at explaining everything to me in simple terms.

Hi Sue, I just wanted to say thank you. Thank you for helping me, thank you for helping us. I have been able to breathe lately and that is a good feeling - something I haven't been able to do in a long time.

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

Hi Sue, My 3 words to describe you are: Compassionate towards clients’ needs and emotions Loyal to your clients, always available to answer questions and meet if needed. Knowledgeable very informative of 4 Pillars Debt Restructuring Program and how it can help and change peoples’ future. I am very grateful that I am a client of Sue Grubac and all she has done for myself and my family thus far. Words are really hard to describe a person who has a big heart for lending a big hand to those in need of answers, that is definitely Sue Grubac. Sincerely, JB

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.

Taking small steps to where I want to be in life, debt free and more!! Thank You for making all of this possible, and I'll be forever grateful for all you've done.

Amazing service! After my first visit I felt like a huge weight was lifted. Charlie made every step easy.

It is very easy to work with Charlie. He has kept me informed as to what stage I am at and where I am going. His sense of humor is a bonus!

Excellent service! All my questions were answered which made me confident when it came to making my decision on what to do with my debt. Charlie is very friendly and knowledgeable.

Charlie and Monique helped me to understand my situation clearly and were fundamental in my confidence in the process. They helped put my fears to rest, and walked me through every step. They were quite helpful in my handling of my debt situation.

Mr. Peet has been very helpful throughout my bankruptcy problems. It has been very comforting to know we could count on him throughout to come to our aid. I highly recommend his services.

I found Charlie very straight forward and easy to talk to. All-in-all, a lot of help.

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

Working with Charlie, Monique & the 4 Pillars system was very informative in guiding me through the whole process - not only reducing my debt, but also reducing the stress; and now we are working together to re-establish my credit

Charlie helped me to understand how to save my money better, and not to touch it. Charlie explained how to reach a goal of my choice within a year. He is great to talk to. Thank you.

I met Peter from 4 Pillars at a low time in my life. I had $15,000 student loan debt and $5,000 in credit cards. I was making the minimum payments each month but the balance would not go down due to the interest. Peter negotiated an interest free payment plan for me and the debt was paid off at $150/m for 60 months. So $9000 to pay off a debt of $20,000! So happy I contacted him

Charlie is so professional and so personable at the same time. I value his advice and will continue to follow his instructions. I am highly recommending Charlie to my clients and friends who are finding themselves in need of his services. Thanks Charlie!

4 Pillars helped me when I had accumulated $25,000 in credit card debt due to being off work with stress. The harassing creditors made my condition worse and I was seriously considering bankruptcy. My friend at work suggested I contact Peter Temple at 4 Pillars. I met him and he arranged a consumer proposal for me. This immediately stopped the creditor calls and my debt was reduced from $25,000 to $9000. What`s more I was able to pay the $9000 over a period of 5 years at $150/month! Don't struggle in debt contact 4 Pillars for real help

Over the past years through situations I incurred a lot of debt. I went to a debt settlement company and they ended up making it 100 times worse, as my creditors were going to take me to court. That is when I met Charlie and 4 Pillars Consulting. Charlie changed the whole ordeal around. He got the courts to stop and he got a deal made with my creditors where I will be able to pay my debt back. Just go with him. I wish I did from the very beginning.

I was referred to Peter Temple by my mortgage broker. I had $80,000 debt and had tried to release equity from my home through a mortgage to pay it off. I was only able to get $30,000 so I asked Peter to negotiate a deal with my creditors.
Peter was able to settle all the $80,000 with this $30,000 lump sum.

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!

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

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

Charlie and Monique did an excellent job. I would recommend them to anyone that was dealing with debt like me. They achieved all the goals we were hoping for and explained my options throughout.

Charlie made dealing with stressful financial situations as comfortable as possible. He made sure to make all my options clear, and provided an atmosphere that allowed for a positive outcome and a bright financial future

4 Pillars helped me to recover financially after a serious accident. I would be in much worse condition if I had not received this assistance.

I feel very comfortable discussing my situation with Charlie. He is easy to talk to and very supportive and non-judgmental.

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

The process was very clear and we understood everything that 4 Pillars was telling us. I was very impressed with the service, and would recommend them to other people.

Charlie was awesome through all of this. He explained what all of my options were. I felt more than comfortable with any question asked to him; and more important was the answer to the question. I am very pleased with how everything went and will recommend his services to anyone in the same situation.

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

I was initially skeptical about what I was told, but Charlie made me feel comfortable and not judged. I was able to make the right decision to deal with my finances. Thank you very much, now I am cured.

I have enjoyed working with you despite the circumstances. You are empathetic and easy to talk to. Most importantly, you didn't seem judgmental at all. You are also very patient.

I received clear explanations from Charlie.

Everything was clearly explained. Thank you for all your help! We are now looking forward to working with you, rebuilding our credit and our life.

It made a world of difference for us

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!

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.

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.

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.