Hear what hundreds of clients had to say

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.

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.

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.

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.

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!

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.

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 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 found 4 Pillars in a local paper

I've been dealing with my debt for years, I've turned to banks, but it just got me deeper and deeper into debt. With a continued search for help I found a 4 Pillars Consulting Group advertisement in a local paper and called for a free consultation. I talked to a friendly, sincere, honest, enthusiastic and understanding person named Robert. He is very knowledgeable about Finance! He explained to me the debt resolution options and fees fully, clearly and in a comforting manner that made me so hopeful and prompted me to request his help. Since then, he handled my case patiently and diligently, when he requested information I provided it as soon as possible. The resolution was created quickly and successfully, I was speechless the outcome (60 to 70% debt reduction) was way, way more than I expected. I am so pleased , happy, grateful and fully satisfied with the fast diligent, friendly, understanding and comforting service of 4 Pillars Consulting Group! I would highly recommend his office to family, friends, and co-workers or to anyone I know who is having a financial difficulty. My heartfelt gratitude to Robert Osborne for his kindness and support and handling my case so efficiently!

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!

Without 4 Pillars, I would be on the street

Without 4 Pillars I'm sure I'd be on the street. Charlie was the friend I needed when there were no friends.

We are so pleased with our decision to contact Charlie and proceed with our consumer proposal. We are now in a position to make our monthly payments and our stress has decreased immensely. Thank you so much Charlie!

The reason I decided to do the proposal with 4 Pillars is not so much about getting information, but to take advantage of your negotiating skills. Thank you.

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.

I feel I could not have made a better decision

I was like many Canadians - one paycheque away from disaster. It felt like I was drowning in debt and knew I had to do something about it. I decided to go ahead and contact Blair Greenwood at 4 Pillars Consulting. Blair and I discussed the services that 4 Pillars provided as well as my financial situation. Being a thinker, it took me a while to decide to go ahead. Since the first discussion and meeting with Blair, I have been very impressed with him. I also had many questions and Blair was always prompt and professional and patient. I went ahead with a consumer proposal. Blair worked aggressively to get me the best possible proposal. The biggest difference from other companies is he is working for you not the creditors. I finally feel that I am making positive financial decisions and am looking forward to the future. The counselling sessions also provide very useful information. I feel I could not have made a better decision. Thank you!

Now we have our life back

Our experience with Blair was great. My husband was off work for more than half the year last year and our bills got so we couldn't handle them any more. We went to see Blair and he helped us see how we could get our life back on track and our finances back in control. My husband was very nervous about the whole process and Blair made him feel at ease at all times. Just an amazing process in all and now we have our life back. Thanks Blair.

This was an easy process

I was blessed to work with Blair and 4Pillars! I not only cleaned up my credit in a hurry and changed the stress in my life to a new outlook but Blair taught me so much and provided support any time I was in need. I am now passing on my knowledge to others :-) - This was an easy process and anyone who is looking into their financial situation should A) not be ashamed - it's so common and B) definitely call Blair ASAP and get back on track today! Cheers Blair! Thank you ever so much and forever :)

Changed my life

I can not stress enough how much Blair changed my life. I was so stressed out with a little over 70 thousand dollars in debt. Through his hard work and determination he was able to cut it down to just under 8 thousand. I'll repeat that again 70 down to 8. He's the real deal. Don't wait till tomorrow call him today.

Without this help I would still be in loads of debt and under a lot of stress

My experience with Blair was great. He was extremely easy to work with and eased all my concerns during the process. This experience has changed my life as I was buried in debt and had no idea how I would ever get out of it. Within a short 4 months I was able to become completely debt free by settling with a lump sum settlement. I went from $21,000 in debt to settling it for only $6,500! I will never forget that day as I felt like a huge weight had been lifted off me! Today I am happy to say that I am not only still debt free, but I have learned how to manage money and save. I have been rebuilding my credit over the last year and a half and will be looking to buy my first home soon. I feel so thankful for Blair's help along this journey and don't know where I would be today financially if it weren't for him.

I ran into some financial difficulty in the spring of 2009. I contacted Blair from 4 Pillars and from our very first meeting Blair explained the process professionally and thoroughly. I am a pretty good read of people and I had a good feeling about Blair from the start. He tells it like it is honestly and sincerely. We are now at the credit rebuilding stage as my debt restructuring plan is complete. The credit rebuilding process has some excellent methods on getting your credit back on track. Blair Greenwood is extremely thorough and is a smart and confident guy who knows his information inside and out. I would highly recommend him to anyone who needs help sorting out their debt troubles.

Blair Greenwood of 4 Pillars has been absolutely fantastic throughout the whole proposal process. My options were clearly explained to me and I was very delighted how easy and straightforward they made it. Blair was very effective and efficient as the whole process was completed and signed within 8 weeks of my initial phone call. I felt like a huge weight has been lifted from my shoulders. I am a true believer and would refer anybody I know to Blair of 4 Pillars. He was a true professional and can't thank him enough for his help.

Best decision I ever made. I don't worry about not having enough money to pay my bills. Jennifer was very helpful and professional through the whole process I have learned alot about saving and spending.

I was starting to flounder in debt and didn't know where to go when I found you online. Despite certain obstacles I was able to get the ball rolling. Now I can spend time with the kids without worry that something is gonna cause a problem. Makes it so I can focus on the family not the money situation.

4 Pillars helped with my debt I can sleep properly now, less stress and I can spend more time with my kids. As a couple we don't fight about money anymore and we have learned to spend it more wisely.

Barb is such a wonderful person to assist you with your debt. She is compassionate and empathetic and you will never feel judged. Her experience and professionalism make the process so smooth. Her passion for helping her clients achieve success is demonstrated at each meeting. Call barb if you are struggling and don't know where to turn, this is the best step you can take!!

I'm really thankful for coming across Jennifer because even from our first conversation, it seemed my case didn't qualify but she kept working on it to find a debt restructuring solution. She found a way to help me out.

I want to be honest, authentic and accountable. Since January we have lost over 1100$ a month in income. This makes us short 600$/mth. 1/2 was when the child I was doing Daycare for no longer required it and the other is that we are no longer having tenants in our suite. Kevin's job is also on the rocks, they have some orders for different types of tanks to weld, but they are laying off guys every week. I am grateful we buckled down and paid off all of our credit cards, and I did debt consolidation with 4 Pillars Fraser Valley - BC's Debt Diva, this was the best thing I could've ever done. And I highly recommend her. I have a few Life Flows - Passion Purpose & Pleasure clients, which I am grateful beyond belief for, not just for the money, but because I have supported them in significantly changing their entire lives. If I can ask for your support by sharing and liking content I post on my Life Flows page IF it supports you in your life. Or when I post it to my personal page. If you know someone in emotional pain/suffering or who wants to take their life to the next level who could use my services, please refer me. Also I am selling Usborne books. These are beautiful, sustainably made books of all kinds for kids from 0-14 years old. Sticker books, maze books, reading books, activity books, chapter books, homeschooling books. If I go back to regular work full time, It won't even cover the cost of daycare and bus fare. My heart soars when I support people in living and loving their lives. Not when I sell them a pair of shoes. If you want amazing children's books, please buy from me and not the stores. If you want to dramatically improve your quality of your life, book a COMPLIMENTARY session with me lifeflowsconsulting@gmail.com. I have client reviews that you can check on. Most of my clients are very open to giving feedback. If you are a paying client, and refer a new client who books a session, you both receive 25% of your next session ( this works really awesome with couples). If the person you refer cannot pay for a session due to extreme financial duress, there are options I can discuss with them, I want to support everyone. My heart soars when I support people in living and loving their lives. Not when I sell them a pair of shoes. When someone tells me their doctor told them they no longer need their anti depressants, or they found the partner they were searching for or their business becomes overwhelmingly successful I have served life purpose through my actions. I know many of us our strapped for cash these days, and if you don't have any, I totally get that. Referrals, likes and share's would be amazing, but only do it if you really believe in who I am and what I do. Thank you, from my heart, my being and my family.

I'm really happy with the service they provided (4 Pillars) especially North Vancouver. My debt really get off my back fast. They really support me until the last of it. I'm really satisfify.

Had a wonderful conversation with Barbara Sergius from 4 Pillars Fraser Valley - BC's Debt Diva. If you have exhausted all your debt restructuring options via bank loans or just feeling super overwhelmed with debts, please give me a call for a referral or to discuss another option with this company. I was bankrupt 15 years ago and I wish there were programs available to help me back then. 778-298-7989

I am very happy because my big debt is now manageable. I just wanted to get rid of the interest on my credit cards. And Boom! 4 Pillars solved my problem. Before it was painful to check my accounts and now I am doing better things with our money.

Barbara is awesome helps in so many ways, highly recommend 4 pillars if your going through huge debt issues that are taking over your life and drowning you

I am very much happy that it came up to less than 60% now of my debt. Now it is much easier for me to pay less than the minimum payment

As someone who spent most of their adult life in credit card debt I can tell you wishing the problem away doesn’t help. As long as I was able to make my minimum payments I didn’t think there was a problem. As my debt grew my sense of personal freedom declined and the enormity of the situation began to weigh down on me. When I lost my job I knew I wouldn’t be able to make my payments but the thought of going bankrupt scared me. That’s when I called Jennifer Virani of 4 Pillars. She immediately put me at ease and showed me other options that would work for me. By the end of our first meeting I knew I’d made the right call. The blame and shame I carried with my debt load was lifted and for the first time in a long time I felt positive about my future. Jennifer has been incredibly supportive and she has worked tirelessly to help lessen my debt. She helped lift the weight of the world off my shoulders and she is now helping me rebuild my credit. I cannot recommend Jennifer and the team at 4 Pillars Debt Solutions strongly enough. If your debt is ruling your life you owe it to yourself to call Jennifer. I’m glad I did.

With 4 Pillars help with my debt I can sleep properly now, less stress and I can spend more time with my kids. As a couple we don't fight about money anymore and we learned to spend the money wisely.

I was in an overwhelming financial situation and needed help so badly. I turned to 4 Pillars when one of my friends recommeded it. It has been life changing after that thanks to Jennifer and Martin.

My debt was reduced from $83,000 down to $25,000

Hardip Chaudhry has been very professional and courteous throughout the entire process. I did not want to file bankruptcy. With Hardip's help, I was able to get into an affordable payment plan to clear my debt which was reduced from $83,000 down to $25,000. I am now able to get on with my life and start planning for a happier, more enjoyable future. And that future includes buying a home! Thanks so much Hardip for your help!! My only regret is not having reached out for help sooner.

We will be debt free in 5 years

My husband and I recently suffered a large financial loss from our business due to cutbacks and the recession. In order to keep the business afloat we used personal credit cards and lines of credit which eventually put us heavily in debt. The more attempts we made the higher our debt climbed. Finally, when we could no longer sustain the business, we had no choice but to close our doors and walk away. Unfortunately, our personal debt followed us. Our situation was so bad that it had negatively impacted our marriage, work life and family. We were getting calls from creditors and collection agencies and thought there was no way to get out of the mess. A friend of ours recommended Hardip Chaudhry of 4 Pillars Consulting Group to us and we immediately seeked her out for advice. As soon as we walked through the doors, Hardip set our minds at ease by reviewing our options and letting us know that she could help us. After a considerable amount of work on our file, Hardip was able to successfully negotiate an affordable payment plan with no interest with our creditors. We were amazed at how much she had reduced our original debt amount. What we originally thought would take us a lifetime to clear will now only take 5 years. Thank you very much Hardip for the excellent service and the hard work you put into making it work for us! I only wished we knew about you earlier so that we wouldn't have injected all this money into the business in attempts to recover more funds. Now we have less stress and there are no more creditor phone calls! Yay!

Reduced my debt from $20,000 down to $6,300

I was struggling to pay my bills every month and was very stressed out. I didn't know what to do or who to turn to for help. It seemed to be a vicious cycle; paying my credit card bills and then turning around and charging them again every month just to get by, but never getting ahead. I saw an advertisement for 4 Pillars Consulting Group and booked an appointment with Navaiz at his Surrey office. I'm so glad I did! Navaiz helped reduce my debt from $20,000 down to $6,300. Now, I only have one affordable monthly payment, my stress is gone and I finally feel like I have my life back. If you are facing financial problems, I would highly recommend you call 4 Pillars to see what they can do for your situation.

Rescued me from a disastrous outcome

My experience with Navaiz Chaudhry at 4Pillars has been life altering. Essentially I was financially destitute due to a business failure. The consistent worry played havoc with my self-esteem. I was candid with 4 Pillars, who exercised empathy, professionalism and an unequivocal determination to resolve my financial issues. I would not hesitate to refer Navaiz at 4 Pillars to any of my friends, family or colleagues. He is directly responsible for rescuing me from a disastrous outcome.

Reduced my debt from $60,000 down to $31,500

Before I went to Hardip Chaudhry at 4 Pillars, I was lost and extremely stressed about the debt I was in. I was in debt for approx. $60,000 and was struggling to pay even the minimum payments on my credit cards. I thought my life would be a struggle as long as I was to live. Hardip provided me with a free consultation and explained that she could reduce my debt significantly. Not only that, but I would pay it back at 0 percent interest! I thought it was too good to be true and was hesitant at first. I was wise, however, and gave her a chance. Amazingly, she was able to reduce my debt to $31500 at $525 per month for 5 years! I am so grateful and my stress was gone. Not only that, but she is helping me rebuild my credit, get a credit card again, and buy a home in the future. The service I received at 4 Pillars was amazing and Hardip deserves so much credit for helping people like myself. It can work for you too and it is not too good to be true! My debt is now manageable and my biggest debt is to Hardip for all her help!

Everything seemed too good to be true

After years of struggling with debt, I finally decided to contact Hardip Chaudhry of 4 Pillars to help me find a financial solution. I was so apprehensive because everything I read seemed too good to be true. I was so stressed out because of my financial situation and I felt ashamed, that I was unable to meet my obligations. I met Hardip in her office. She set my mind at ease and she made the process so easy explaining what it would take. There were no unexpected surprises and she handled my case in a professional manner. My only regret is that I did not seek help sooner. If anyone confided in me that they were struggling financially I would highly recommend Hardip Chaudhry.

Debt gave me a nervous breakdown

Before contacting 4 Pillars, we were in deep financial trouble, debts we couldn't get control of, collectors we couldn't stop from calling us at work and at home all day long. We were ready to lose whatever we had, including our minds. I had nervous breakdowns from a lack of sleep; even our marriage and work life was affected. Today we may not be completely debt free but we would like to THANK YOU in making our life easier, stress free and manageable. The opportunities we have now are incredible. Hardip Chaudhry, our consultant, is amazing; she explained everything in great detail and put our minds at ease about restructuring our debts & finances. She told us in three weeks all the collection calls would stop and everything would be fine. And it is TRUE! We highly recommend 4 Pillars to anyone and we wish we did it sooner because it really works.

Thank you Chris, you made what seemed impossible come true. Being out of debt is an incredible feeling. I now have positive cash flow. I haven't seen that in a very long time.

How do I thank you for the peace of mind you have provided me? No more creditor calls, no more collections and my credit rating is on the way to mending. Fantastic!! I would highly recommend you to anyone with debt issues.

Joint Testimonial for 4 Pillars Kamloops & Phoenix Fund:

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 toward putting the debts of previous years behind me. A couple of short years later, and 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 Hauck at 4 Pillars 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. Brad P

Remaining testimonials are for 4 Pillars Kamloops only:

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

Bob Hauck is a true professional and has changed my life for the better.