Hear what hundreds of clients had to say

I was struggling to pay my debt because it kept on increasing even though I keep on paying it. 4 Pillars helped me decrease my debt and realistically pay for it in a few years.

It changed my life

Debt reduced from $108,000 to $33,000
$550/month for 60 months at 0% interest

My experience of debt restructuring with Blair was excellent. I felt embarrassed and hugely stressed about my financial situation but Blair was so supportive and he was determined to help me. He did an excellent job and it changed my life. I am still amazed that he managed to reduce my debt load from $108,000 to $35,000.

We came to 4pillars with over $130k debt to CRA. 4Pillars helped us gain control of our spending and debt Sue gave us tools for budgeting, saving, rebuilding credit and helped us build skills to save and secure for our financial future.

Bob, I want to express my sincere gratitude for your competence and effort in helping me with my financial distress. Your calm manner and clear education of this process put me at ease straight away. (My family is grateful for you too!) I will highly recommend you to anyone I may encounter with a similar dilemma. Thanks so much for all you've done, again and again, your help has been life changing for me.

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.

4 Pillars help us so much to be out from debt. At last we can sleep and feel comfortable and not worry too much on how to pay our debts.

4 Pillars is amazing, not only have they helped me solve my debt problems but they have also given me the tools and support to improve my financial situation for the future. They are knowledgeable, kind and supportive and I urge anyone who has too much debt to give them a call. You'll be glad you did. Thanks 4 Pillars!

I felt really good and upbeat

Debt reduced from $109,000 to $9,000
$9,000 lump sum paid

Blair is AMAZING! I still can't believe what he has done for me. For years I struggled, my business was slowly going down. I felt trapped because of the huge debt that I accumulated. I thought that there is no way around it and that we will lose everything we own including our home. A good friend of mine told me to go and see Blair from 4Pillars. I was very skeptic at first, but after the first ten minutes of talking to Blair right away I felt really good and upbeat. There is a way out of the mess after all. He came in aggressively and reduced my debt from $123,000 to $9,000! Wow!

Before I saw the 4 Pillars advert on Facebook I was considering settling my debt. Since meeting Sue i have felt very awesome about my choice to go forward using 4 Pillars to help me understand my choices and put together a debt restructuring.

Bob went above and beyond what I expected to help make a difficult time in my life as good an experience as possible with authentic, caring, personal attention and he had my financial best interests as a priority at all times.

I was so in debt and confused about money. I had no idea how to handle my debt and my lowered income. I came to Sue a total mess and she explained options and answered all my questions and gave me such a better understanding of money!!

I heartily recommend the services of Bob Hauck and 4 Pillars Kamloops. From the beginning, Bob impressed me with his ability to be at the same time realistic, clear-sighted, and reassuring. The awful stress of dealing with finances that had gone out of control began to dissipate immediately, and Bob worked hard to find the best possible way out of the crisis that I was in. It would be no exaggeration to say that calling 4 Pillars Kamloops and meeting with Bob changed my day-to-day life for the better. Thank you!

This program really took some pressure off

Debt reduced from $37,000 to $19,800
$330/month for 60 months at 0% interest

This program really took some pressure off and has given me confidence in the ability to rebuild my financial future. Thank you Blair Greenwood.

Hi Sue There are not enough words to describe how grateful I am for the guidance you have shown me through my difficult financial times. I realized that I did not have the ability to fix my debt and when I reached out to you for help you were able to give me guidance and discipline. I must admit, that I felt in a way that I might be scolded, yet you were the complete opposite of that and made me feel positive throughout the entire process. There is no doubt that you are brilliant at your job, but most important you care about your clients. For this I am forever in your “debt” :) Thank you and God Bless

A great big thank you to Bob and 4 Pillars Consulting Group! Bob took what seemed to be an overwhelming task and made it straightforward and easy to comprehend. Bob had an extreme amount of patience and answered any enquiry I had. Although it took me a while to come to terms with filing a proposal, I finally took the plunge and my stress and anxiety lifted immediately. All I can say is a Super Big Thank You for helping me!! I would highly recommend Bob and 4 Pillars to anyone who is weighed down by debt.

We felt heard and respected

Debt reduced from $16,500 to $4,200 and $40,000 to $4,800
$80/month for 60 months at 0% interest

A friend referred my husband and I to Blair Greenwood for financial crisis support and direction to resolve this crisis. From our first handshake we both felt we are in good hands. Blair is an outstanding professional, very knowledgeable and trustworthy. We felt heard and respected. Blair exudes confidence. His assertive presentation style was very comfortable.

To whom it may concern we found Sue Grubac to be very professional and efficient in our recent dealings with her. We would recommend her to anyone that is having financial problems in today's economy. We only wish that we had heard about her and 4Pillars sooner as a great weight has been lifted off our shoulders. We are starting to live again.

Dealing with past debt was a very high-pressure time for us, mostly the 'not knowing' what might happen. So many options, and lots of conflicting information. Bob took us through each process step by step, and greatly helped to reduce the worry. He gave unbiased opinions on each, and helped us make the right decision on dealing with my debt; the outcome was better than we could have hoped for. Sincerest thanks to Bob for his professional help, and personal courtesy during this time, thanks again Bob!

Now we have our life back

Debt reduced from $27,000 to $7,200
$120/month for 60 months at 0% interest

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.

Just when I thought I would drown forever in my black hole of financial dude, sue from 4Pillars 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 first time in years I feel like there's a light at the end of my tunnel and I can once I can attain my goals and dreams. I give Sue Grubac my highest recommendation. Her soft manner will immediately have you feeling comfortable she is in between yourself and the bankruptcy officials and will act 100% on your behalf to find the best solution for you.

I can breathe again

Debt reduced from $46,000 to $14,400
$240/month for 60 months at 0% interest

My experience with Blair for debt counselling and relief changed my financial situation beyond my highest hopes. Blair was very empathetic and non-judgemental; I felt at ease immediately. He never pressured me to make a decision before I felt ready to. He took great care in searching out a solution that worked in the best interest of all parties involved. He helped to reduce my debt to a manageable amount and to get my financial situation under control. He was easily available to address any concerns and queries I had. I would highly recommend him. I can breathe again.

Debt started to go down, thank you!

I feel I could not have made a better decision

Debt reduced from $35,000 to $9,000 – wife
$150/month for 60 months at 0% interest

Debt reduced from $85,000 to $16,800 – husband
$280/month for 60 months at 0% interest

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!

Clear and precise explanation of what needs to be done to repair my credit.

I highly recommend him

We're taught that debt is something to be ashamed of, but the reality is; everyone is in debt - yes even those millionaires with seemingly unattainable fortunes. Initially I came to Blair seeking help, relief, anything really to help me see a way out of my situation. He was so positive, encouraging, honest and compassionate. Not once did I ever leave his office feeling worse than when I walked in. Initially with thoughts of doing a proposal and ultimately due to life circumstances a bankruptcy he made it a positive experience. He is truly gifted at his job. I highly recommend him.

Sue was very helpful in explaining everything thank you

Knowledgeable and accessible

I found myself in the unfortunate position of filing for bankruptcy. My wife had used Blair's services and I used his services as well. He is polite, knowledgeable and most important, accessible. He walked me through the steps and set things up as were required. I have referred him to three other people since my experience.

I came to see Sue at 4Pillars. I was having creditors harass me on a daily basis. I was stressed to the max. After seeing Sue the phone calls stopped and progress was made. Now I'm in great financial standing. Thank you so much.

My life is so much better now

Debt reduced from $20,000 to $6,000
$100/month for 60 months at 0% interest

I can't express how grateful I am for all you have done for me. My life is so much better now and I actually seem to have more money in my pocket then I have in years. I will definitely be trying to take advantage of the discount that is available when the remaining amount is paid off as well. Thank you, thank you, thank you for everything! I have already referred 4 Pillars to several people.

In a very short time I have obtained and extensively less stress level and my quality of life is continuously improving.

The whole process was very easy and painless

Debt reduced from $35,000 to $7,200
$120/month for 60 months at 0% interest

Before I met with Blair for the first time I was in a very stressful financial situation. I could barely keep my head above water and it was affecting every aspect of my life. After meeting Blair I realized that I had options and we came up with a plan to get me to where I wanted to be financially. Blair made the whole process very easy and painless, taking my debt from $35,000 to $7,200. I would highly recommend anyone who thinks that they don't have a way to get themselves out of a stressful financial situation to talk with Blair. I'm so glad that I did.

All services and help exceeded our expectations.

Able to negotiate and amazing settlement

Debt reduced from $25,000 to $6,000
$100/month for 60 months at 0% interest

Blair was instrumental in helping me after I ran into some difficulty last year. He talked me down, helped keep my stress level at a manageable point and was able to negotiate an amazing settlement. With that taken care of I can finish the training I had started and move on in life. I can not recommend him enough!

Being in a consumer proposal, a lot of the weight has been lifted off our shoulders. Sue has been awesome to deal with.

I am on the path to being debt free

Debt reduced from $52,000 to $12,000
$200/month for 60 months at 0% interest

It was a painful experience going from a healthy income level, ALWAYS paying my debts off every ahead of time, and having extra money too. Then things changed.. unemployment, then low income, divorce. I started having to carry debt from one month to the next. Before I knew it, I was only paying the minimums just so I could stay afloat, and then not even that. I saw those ads about getting out of debt, and visited a couple to see what I can learn. I even believed what they said. I'm VERY glad I met Blair, learned the TRUTH of it all, and am on the path to being DEBT FREE!! CALL BLAIR!!

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.

Everything was explained very well and always very informative. Sessions were extremely helpful in terms of learning new ways of budgeting and focusing on short and long term goals. Always a very positive experience. Great Job, Robert!

Amazing feeling after years of struggling

Blair Greenwood is an absolute life saver. Life was filled with high stress and anxiety and now it literally feels like the weight has been lifted off my shoulders. Amazing feeling after years of struggling. This has been a life changing experience for my family. I would recommend Blair to anyone who's struggling . He is so kind , professional and always supportive. Big thank you to Blair and his team. You absolutely exceed your reputation.

I can't think of anything, service you provide is great very professional and polite.

We were very desperate and Robert was willing to help us get through it all. I feel that this entire process went so well that I do not know how it could improve. We went from being desperate to now to now being relieved that we can get by with what we have.

I am able to make payments and become debt free in the near future

Debt reduced from $18,000 to $5,400
$90/month for 60 months at 0% interest

With 4 Pillars service I was able to have my debt decrease from $18,000 down to $5,400. Now I am able to make payments and become debt free in the near future. Blair was very informative and professional and would recommend him to friends who needs assistance with managing debt.

Sue has been very understanding and helpful. I learned so much about that and Credit that I never knew before.

To me, the service I have been provided has been first class, Robert and the staff of 4 Pillars have been very professional. Keep up the Great Work!

Debt reduced from $28,000 to $12,600

$210/month for 60 months at 0% interest

Mine was a complicated and drawn out procedure but Blair was very patient and helpful and went above and beyond to help me. I cannot thank you enough Blair!

We feel that we were treated with respect and dignity. We felt very educated in the sense of where our financial problems came from and how to resolve them.

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!

Changed my life

Debt reduced from $71,000 to $7,800
$130/month for 60 months at 0% interest

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.

There's a light at the end of the tunnel! There's actually some hope. Opened our eyes.

Thank you Robert for all the help - it has made a big difference in my life already!

One of the best decisions I have made

Debt reduced from $31,000 to $11,400
$190/month for 60 months at 0% interest

Without question, one of the best decisions I have made in my financial life has been working with Blair Greenwood of 4 Pillars. Growing up, I was always taught to pay my bills. But after a marriage breakdown and periods of unemployment, the debt became unmanageable and I knew I needed help. I looked into the possibility of a non-profit credit counselling agency and quickly found that they were clearly working on the side of the banks and credit cards. I became discouraged and thought bankruptcy was the answer and looked into the possibility of working directly with a trustee. It was then that a friend of mine recommended Blair as an alternative. And I thank my lucky stars every day. I found out that trustees are officers of the court and act on behalf of the creditors. I needed someone on my side, to negotiate a solution on my behalf - working for ME and my best interests. That someone turned out to be Blair. He worked with me outlining the process and keeping me informed every step of the way. By the time we met with the trustee, I was confident and prepared. The proposal went through without a hitch and I’m now happily on my way to clearing my debt and rebuilding my credit – all thanks to Blair and 4 Pillars.