Hear what hundreds of clients had to say

I've been coming to 4Pillars for a few months and the restructuring of my credit has left me feeling free and motivated to lead A more successful life. Before coming in I was overwhelmed and felt isolated. Being taught the tools to be aware of where my money is going is an amazing feeling!

I would like to take the time to personally thank you Charlie for what I can only refer to as a 'simply exceptional' service. It was absolutely invaluable to me to have your assistance working through all of the questions and concerns I had in an effort to narrow down the best direction forward, in my case a consumer proposal. Each and every question I had, was answered thoroughly and I really appreciated that. Working with the 4 Pillars system was a very straight forward process, and dare I say almost 'enjoyable'. Certainly as enjoyable as it could have been. I would highly recommend your service to all I know. Thanks again for everything!

Came up with a proposal to end the grief of debt

Debt reduced from $9,800 to $2,500
$2500 lump sum paid

A few years back had good credit then fell behind ,then the phone calls and letters. I was frustrated and seen a add for 4 Pillars. Then when a friend said he had used their service after his divorce. I didn't know what to do so I called Blair Greenwood of 4 Pillars. My situation was grim in my opinion. He responded and came up with a proposal to end the grief of debt walking me through the process breaking down paper talk then showing budgeting of financial freedom living within my means watching where my money actually goes.

I had very little knowledge prior to my appointments at 4Pillars and Sue took the time and extra effort to help me, explain in detail and make sure I was on track for the future. I am so very thankful.

This improves my financial situation dramatically

Debt reduced from $31,000 to $7,200
$120/month for 60 months at 0% interest

I am extremely excited with the announcement that my debt proposal at 4 Pillars has been approved. The reduction that Blair aggressively set on the table has left me with only $7200 to pay compared to the initial hurdle of $31000. As a retired teacher this improves my financial situation dramatically. My daughter heard of Blair through a fellow employee at her financial institution and I immediately set up an appointment. This was in late August this year and on October 30, 2015 just 2 months later, the consolidation was a 'fait accompli'. During the whole process, all that I had to do was deliver the bills to Blair. Now with his help and a suggested budget, I can move on, no longer crippled with debt worries and irritating phone calls from creditors (which by the way stopped as soon as I was registered in the 4 Pillars program).

Best Hallowe'en treat that I ever scored!

4Pillars helped us gain control of our spending and debt, but giving us tools for budgeting, saving, rebuilding credit and helping as build skills to save and secure our financial future.

At the age of 19, when I began working with Charlie and Monique, my goal was to establish a positive credit rating so I could eventually buy my own place. Shortly after I turned 21 I became the owner of a 2 bedroom condo in downtown Kelowna. In preparing for this purchase I received guidance on applying for and effectively using credit to build my credit score. Charlie also introduced me to other professionals (financial planners, mortgage brokers and realtors) at an early stage to assist me in the process. I was able to effectively budget to save for my down payment, and I was informed of the costs involved in a property purchase. Any financial questions I had were clearly explained. 4 Pillars helped me create a solid financial foundation that will help me achieve all of my future financial goals.

Completely changed my outlook for the future

Debt reduced from $34,000 to $6,300
$105/month for 60 months at 0% interest

Thank you, Blair! You've completely changed my outlook for the future. It looks a lot more promising without that huge debt hanging over my head!

I was so in debt and confused about my money, I had no idea how to handle my dad and my overused income. I came to sue a terrible mess and she explained options and answered all my questions and gave me such a better understanding of money.

I found Charlie to be very professional and compassionate in our meetings. This is not something I had ever gone through before and was very upset and feeling I was letting everyone down. Charlie basically held my hand through the whole process and I thank him for being so understanding of my situation. Thank you Charlie.

Wish I had done this years ago

Debt reduced from $46,000 to $13,000
$224/month for 58 months at 0% interest

Blair is amazing at what he does! Professional and really listens to you what you have to say and gives step by step through the whole process. Wish I done this years ago! Highly recommended, thank you very much Blair!!

I was both a financial and emotional mess. I was going through a nasty divorce and left to care for my children on limited means. My health is getting worse by stress and growing dance and credit company harassment I wasn't performing in my job. I felt like I was a failure. A friend of mine told me about 4Pillars I was reluctant at first as I was embarrassed of my situation. When I finally met with Sue, I broke down. Sue was amazing. She quietly listened and gave me sound clear instruction. Throughout the process, I was comfortable and confident. 4Pillars staff was excellent with helping me on board. I now recommend family and friends that speak of their personal struggles to go talk to Sue at 4Pillars. Because there is a solution and clear plan to rebuild your life.

At the time we sat down with Charlie, we had been feeling we were lacking the guidance and insight we needed to make some smart consumer debt decisions. It turned out we were not candidates for consumer debt relief, but with Charlie's advice and knowledge of the credit world, we were able to devise a plan to most effectively and quickly pay off our existing consumer debt. We appreciated Charlie's honesty, and for the first time in a long time we were talking to someone who had integrity! You can really feel how passionate Charlie is about helping educate his clients about consumer debt and how to avoid ending up there again. So refreshing in a world where all we hear is 'Spend, spend, spend'. We are now well on our way to a happier future where our dreams and goals are possible! Thanks Charlie!

He did everything he told me he could do

Debt reduced from $31,000 to $6,000
$100/month for 60 months at 0% interest

Blair was great. Helped me get out of debt and did everything he told me he could do. Highly recommended to anyone with debt.

I called in practically in tears, frustrated life circumstances have caused me to fall behind after a divorce. I owed $36,500, with no savings. I tell a friend to call. They will organize your debt, help put goals in place, this is what 4Pillars and Sue showed me.

Charlie was able to remove the creditors from calling our home as he dealt directly with them. Charlie put at ease very quickly. He knows the process very well and can offer good advice.

Professional and supportive

Debt reduced from $72,000 to $11,400
$190/month for 60 months at 0% interest

Blair and 4 Pillars reduced my debt from $72,000 to $11,400. He's professional and very supportive. I would highly recommend anyone with large amounts of debt to contact Blair.

I was hesitant at first, I owed around $30,000 or more. I am so thankful that I went with 4Pillars. Myself and FAMILY are so relieved our debt is so much easier to handle. 4Pillars, can be trusted. I will be debt-free in four or five years. Words can't explain the gratitude I feel. Thank you Sue.

Do your research and find someone local

Debt reduced from $12,500 to $4,500
$75/month for 60 months at 0% interest

I contacted Blair after already dealing with another company for a couple of months and glad I did. All I can say is do your research and find someone local that will work with you. Blair explained all the options to me. I didn't have a huge debt load but it was enough that I knew I need help. He was able to get my debt reduced from $12,500 to $4,500 in a very quick time frame. I now know my financial future will be in good hands. Blair is obviously very professional but he also makes you feel at ease and doesn't talk down to you because of your financial problems. Thank you Blair

I didn't quite know whether this was the route I want to go at first, but Sue was very knowledgeable and very helpful, and I was surprised that Tina was the same, it was like working with two friends and it was nice to share a few jokes along the way.

You really helped me through a very difficult situation and you did a great job. Thank you, just in case I haven't told you that yet. Keep up the good work and don't give up what you are doing as people like me need the service you provide.

I highly recommend 4 Pillars to anyone that wants a fresh start

Debt reduced from $88,000 to $12,000
$200/month for 60 months at 0% interest

I was reluctant to start this process, but once I did start, Blair was extremely helpful and reassuring about the outcome being worth it. I highly recommend 4 pillars to anyone that wants a fresh start with their lives and becoming debt free in a realistic timeline.

You'll be very relieved once you seek help, understanding your financial situation and the plan is in place.

Dear Charlie, Thank you so much for all your hard work and professionalism. I had lost all hope and saw no way out of our financial crisis. When my wife had heard one of your ads and booked us an appointment I was sceptical. I have always believed that if anything sounded too good to be true that it probably was. The outcome of your service to us has been amazing as we now have hope for our future, and no longer live with the agonizing stress of the weight that hung over our heads. I mostly appreciated how you only cared about what was the best course of action for our benefit. Thanks again.

I was quite surprised what Blair was able to negotiate

$64,000 to $10,700
$185/month for 58 months at 0% interest

Thank you for all your help in restructuring my debt. I had no where to turn, except going bankrupt. This was a difficult process to go through. Blair was quite professional and was able to respond to all my questions. I was quite surprised what Blair was able to negotiate on my behalf.

My husband and I were drowning in debt, unable to keep up with our monthly payments due to some unfortunate circumstances. Sue from 4Pillars helped us tremendously and we can now focus on saving for a down payment on a house. It's also a real eye-opener on where all our dollars we're going each month.

Charlie was amazing throughout my dealings with him. He directed me to the right resources to handle my financial problems. I have referred several people to Charlie and he has helped every person in an effective and genial manner. He saves people's lives and their sanity, their homes, their future.

I’m now looking at a fresh start and second chance

Debt reduced from $78,000 to $13,800
Paid lump sum through the Phoenix Fund

Life sometimes will throw you a curve ball and things can change so quickly. I was going through some major financial issues that were both stressful and embarrassing. I was barely keeping my head up and I knew that it was just a matter of time before I started drowning and this is when I contacted Blair. Right from the start, he was supportive, understanding and was determined to help. The perceived stigma of going through debt restructuring is real but talking to Blair, you are able to plan and see that light at the end of your financial struggle. Blair did an amazing job negotiating on my behalf and was able to reduce my debt from $78,000 to $13,800! I'm now looking at a fresh start and a second chance. I would definitely recommend Blair to anyone considering a consumer proposal and looking for that fresh financial start.

With Sue I felt as though my concerns were heard and addressed. I was always treated with respect and dignity. I have shared this service with friends.

You reduced my debt from about $28,000 down to $9,000. No more sleepless nights or harassing calls. Now I have savings in the bank and with your help I am rebuilding my credit.

My future has changed

Debt reduced from $23,000 to $7,250
$125/month for 60 months at 0% interest

When I saw the ad for 4 Pillars on Facebook it seemed too good to be true. I was struggling to pay off my student loan debts, and knew that I had nothing to lose at that point. From the minute I stepped into the office for my consultation, I knew I had made the right decision. Blair has made the entire process easy, positive and most importantly, stress free! He is professional, outgoing, and he can relate to the issues people face with creditors and debt. My embarrassment quickly subsided when we started working through my file, and I can honestly say that my future has changed. I no longer feel the weight of my debt hanging over me. I know that I am going to be able to live the life I want to live, debt free, because Blair took the time to make sure I got the best service possible. Blair is knowledgeable, confident and honest, and unlike the bigger companies, he will give you personal one-on-one service. I have saved thousands of dollars, and regained years of my life. My confidence has been restored and I can finally say that I will be living a debt free life very soon!

Explained where my debt was accruing, helped break down simple solutions, and long-term goals for our family. Very approachable.

Hi Charlie: I just wanted to give you a little update on how things are and how appreciative I am of your help during such a vulnerable time in my life. I feel the whole bankruptcy has gone very smoothly for me. I am very thankful for the counsel you gave me and I am so very glad I took this course of action. I feel like I have a new start and am able to live with a whole lot of freedom in my life right now. Thank you again, Charlie

I am so happy with the outcome

Debt reduced from $55,000 to $18.300
$305/month for 60 months at 0% interest

Blair was extremely professional and handled every concern I had along the way. I was very doubtful but Blair assured me the process would be successful and was always quick to give me any information that I needed. I am so happy with the outcome and that I chose Blair to assist me through this stressful time.

I was near exploding, emotionally when I called 4Pillars. A friend suggested 4Pillars when I asked her about bankruptcy. Upon calling 4Pillars and having my first consultation, I felt like I could breathe for the first time in a very long time. Once I gathered the required documents for the proposal I was relieved and surprised at how easy, have staff treated me with non-judgmental attitudes, and really cared about me and my situation. I think the universe for connecting me with 4Pillars!