Hear what hundreds of clients had to say

In response to: “Is there room for improvement or anything you would change?”

Our experience with 4 pillars consulting group has been very positive. The realization and acceptance that our financial situation was beyond repair on our own was mentally and emotionally draining with a sense of failure thrown in. however, from the first appointment with Adrian Moore and throughout the subsequent meetings we were treated with dignity and kindness. He assured us this was not the end of our world; showed how there was a positive solution possible and so it has proved to be. His explanations of the debt reduction process; what to expect and what was expected of us were clear and timely so we were not overwhelmed. Also from the first appointment we felt a weight lifted and our lives become less stressful. We would highly recommend Adrian of the 4 Pillars Group to anyone in need of debt restructuring advice and help. Kamad & Janice W

In response to: “Is there room for improvement or anything you would change?”

Nothing, I see no room for improvement. We were completely satisfied. We wish we knew about 4 Pillar a lot sooner, we had no ides this kind of help was available! It was so easy and comfortable and we have our life back on the right track, we cannot thank you enough! Jennifer + Richard S

In response to: “Is there room for improvement or anything you would change?”

None everything was perfect When we were referred to 4 Pillars from a friend, we thought our options were limited. After speaking to Adrian, we saw the light at the end of the tunnel and got our first good night’s sleep in months. Heidi K

In response to: “Is there room for improvement or anything you would change?”

Present a higher profile, making people aware of your services. Our anxiety over financial problems were very quickly relieved when we were introduced to the $ pillars representatives. We were treated with care, concern and respect. We thought we were visiting friends who we hold in highest regard K and R.M

In response to: “Is there room for improvement or anything you would change?”

Nothing Before 4 Pillars I had a lot of sleepless nights and I was also stressed out over my bills without 4 Pillars my boyfriend and I wouldn’t have been able to take the trip we took in September for our anniversary thank you Adrian Brenda M

In response to: “Is there room for improvement or anything you would change?”

I feel that the service I received from 4 Pillar was professional and helpful in every respect. I cannot think of any improvements that could be made. 4 Pillars helped me to find a way to address my overwhelming debt in a way that has allowed me to gain freedom from my financial burden. I will tell others about the services you offer. Darrin

In response to: “Is there room for improvement or anything you would change?”

Before I met with 4 Pillars I was stuck, a drowning victim of sorts. I had nowhere to turn, there was nothing I could do. Now that I have gone through with my consumer proposal I can breathe, I feel free. It’s been a long time since I’ve stood on my own feet. Thank you. Jackie B

In response to: “Is there room for improvement or anything you would change?”

At a very stressful time in my life; I found my consultant very knowledgeable & understanding. His compassionate & light hearted nature made the whole process easier. Melanie L

In response to: “Is there room for improvement or anything you would change?”

There is no improvement to be made. Adrian always covered all bases in an excellent manor when I worried about a certain issue always called me back in a couple of minutes to discuss the issue. I am feeling very content now. Stress free. So happy that my debts have been looked after. Monthly payments are low. Highly recommend Adrian! A+ in my books! Wonderful feeling. Gayle W

In response to: “Is there room for improvement or anything you would change?”

Nothing I couldn’t have done it on my own. That stressed out feeling is finally gone + my repayment plan works wonderful for me. Thanks four pillars for a second chance. Cathy O

In response to: “Is there room for improvement or anything you would change?”

Before sitting down with a consultant from 4 pillars, I was drowning in credit card debt and personal loans, being harassed by collections calls and not knowing where to turn. Now I will be debt free in no time at all with a payment I can afford, they have also helped show me how to be more credit responsible. Jason

In response to: “Is there room for improvement or anything you would change?”

No improvement needed excellent service I was in debt over my head, my family helped me to pay bills. Now that 4 pillars has helped me I can pay my bill and not be stressed out about my bills. I can live a stress free life. Thank you 4 pillars Susan G

I had over $90,000 in debt

I was burdened by over $90,000 in unsecured debts. I simply was not able to assume the payments on these debts. The situation was such that making the minimal payments would have required almost all my income and it would have been impossible for me to pay for my basic needs and those of my children. I contacted Chris to evaluate the options available to me. Going over all my information and analysing my situation, we were able to negotiate payments on a $30,000 combined debt level instead of the original $90,000. I am now able to fulfill my obligations and provide for both myself and my children. I am now on the way to be debt-free and rebuilding my credit rating. I have to thank Chris for this. He was there throughout the process and always available to answer my questions.

In response to: “Is there room for improvement or anything you would change?”

Not applicable Adrian and 4 pillars consulting gave us back our peace of mind. We had tried other counselling of doing it on our own but we just got deeper and deeper in debt. Adrian demonstrated consistent diplomacy and integrity in our sessions. Thanks Adrian. Thanks 4 pillars!!! Vicki C

4 Pillars changed my life for the better

Chris Southey and 4 Pillars changed my life for the better. Before I sought help I was not sleeping well, constantly stressed and I had no clue what to do regarding my mountain of debt. However, from my first meeting with Chris my mind was put at ease and clear solutions to my problems were explained at the outset. We then chose the one which was best suited to my needs. Within several months Chris had helped me reduce my debt by over $20,000.00, making my monthly payments much more manageable and simplified. Meeting with Chris from 4 Pillars was one of the best decisions I have ever made, and I will be glad to recommend him and 4 Pillars to anyone I come across who is having a hard time dealing with their financial woes.

In response to: “Is there room for improvement or anything you would change?”

I was drowning n credit card debt and Adrian Moore was able to guide me through the process of a consumer proposal. I am now taking care of my debt and rebuilding my credit at the same time! Nam N

Excellent service. Professional, trustworthy, always there to answer any questions. All matters are kept in confidence, explanations are down to earth, and Zach is there for your protection and need.

Without you, our lives would have been very poor

Once again, thank you for all that you did for me and my girls - without you our lives would have been very poor and full of stress and I wouldn't want that for my beautiful little girls - they don't need to know bad stuff or feel it for that matter. So, THANK YOU JIM!!!!!

In response to: “Is there room for improvement or anything you would change?”

Nothing, Adrian was very good to us we felt very comfortable and we were taught money managing skills that we will use always. Your services have improved our lives. Thank you. Michael & ***** J

It has been a heavy weight lifted off my chest since I met with Zach Brull and I feel like now moving forward everything is going to be fine

We are no longer desperate

Hugh thanks. Roy and I are no longer desperate now that we can pay our debts off with the consumer proposal you suggested we do. We are now working daily on our budget and saving for the future. Thanks again Hugh!

In response to: “Is there room for improvement or anything you would change?”

I think it was wonderful all around. I found Adrian excellent in terms of explanations encouragement and his understanding manner made the entire experience stress free. I really appreciate how easy he made it. Nancy B.

I have known Zach Brull for the last 9 months. From the very first meeting to now (second credit counselling). Zach has been very professional and yet very kind. Super knowledgeable but non-judgmental and sympathetic. Zach is an amazing person, and took time and energy to make this stressful time into very high end ~something time. Thank you so much, Zach!

I can retire debt free in a few years

One of my friends recommended Hugh to take care of my debt problems. I was scared that I had to go bankrupt. Hugh explained all my options very clearly and was very supportive of my physical pain and stress. Hugh gave me hope and now I feel I can retire debt free in a few years. Thanks Hugh

In response to: “Is there room for improvement or anything you would change?”

We are no longer doing bill shuffle deciding which bills to pay and which bills to put off until the following month thanks to Adrian and 4 pillars, we are living with less stress and enjoying life. Chris and Michelle

Zach knows his stuff and the fact that he has a great personality is a bonus. A difficult time made easier, we can live again. Thanks Zach!...

Your consumer proposal changed my life

I want to thank you for all your help for getting me out of my debt problems. Right from the beginning I felt comfortable that your manner and professionalism would make my debt problems go away. My debt going away with the consumer proposal took away a lot of stress has changed my life for the better. Thanks again

In response to: “Is there room for improvement or anything you would change?”

We can’t express our gratitude enough for how you helped our situation. You helped us get our lives back. Thanks again for your help & encouragement. David & Linda B.

Zach saved my financial life due to his out of the box thinking. I wish I had met Zach years earlier to avoid being chased by the collection sharks and tax collectors at CRA. I now live with a clear mind and worry about things that count: family, friends and clear state of mind and sleeping well. Thanks Zach.

I went from $1600 per month to $350

Hugh the consumer proposal you suggested has given me a fresh start. I went from $1600.00 a month and interest to $350.00 a month for a consumer proposal. I now am starting to save money and thanks to you watch what I spend my money on. Thanks for all your help.

In response to: “Is there room for improvement or anything you would change?”

We were up a creek without a paddle & Adrian gave us the help we needed. Again Adrian thank you Shawna & Tim D

Zach was very prompt in email responses and when he answered all my questions. His service has helped me go through a very difficult time and now I can see the opportunity of a new start in life when I finish my payments. Thanks Zach. If you are in financial distress don’t prolong the suffering, call Zach. There is always a solution.

In response to: “Is there room for improvement or anything you would change?”

For us the service was perfect & we would not have changed anything We thought we were at a end and there was nothing we could do to get back on our feet no matter what we tried. We are young and have a family and we thought for sure we were going to have to give up everything we had worked for. We were scared for our kids and our marriage. Then our prayers were answered. We heard about 4 pillars through a friend and thought “well we haven’t tried this yet so it is worth a try” so we did it. We picked up the phone and gave 4 pillars a cal. It was the best thing that could have ever happened. Thanks to them and all their hard work we are paying off our debt, communicating with each other, we have our confidence back that YES WE CAN DO IT and we did not lose anything. What we did do is gain we gained something to look forward to our FUTURE. Thanks again to 4 Pillars for your continued support. Sincerely, Cory A

Zach was very understanding, non judgmental and helpful through the whole process, which was foreign and very intimidating to me at first. With Zach’s experience, empathy and good humour made the whole process enjoyable. I looked forward to our meetings. I would recommend Zach for anyone in Toronto area who needs help with insolvency.

In response to: “Is there room for improvement or anything you would change?”

More online services to be able to log into website to view status or communications from creditors. Before visiting 4 Pillars, every day I was stressed + worried about how I would pay all our bills. Now we have a balanced budget and know we have enough money every month Richard K + Tara B

I was very hesitant towards the process of filing a consumer proposal, but once I was explained in full, Zach made sure I was completely comfortable. I felt like I was leaving my financial future in his hands, and had no problem trusting the process with him around.

Words cannot express enough what you have done

These words cannot express enough for what you and 4 Pillars have done for me and my family. I am so appreciative of the very quick work in handling my situation in such a precise and professional manner where my stress I was experiencing disappeared after getting the help I needed.

In response to: “Is there room for improvement or anything you would change?”

I can’t think of how this debt reduction could be done any easier and only through a quick 5 year plan This debt reduction has been very positive experience with Adrian’s guidance and hard work we completed our consumer proposal quickly and greatly reduced our stress levels. Richard B

You cannot improve on perfection. We got our life back on track.

In response to: “Is there room for improvement or anything you would change?”

Cannot think of anything else as you are doing just great. I have been very happy with the services that I got. Miles and Adrian made us feel very comfortable when talking with them. Thanks for getting rid of a lot of the stress we had. Isabel L

I would like to say thank you so much Zach. I was disappointed with my financial problem before meeting you. You helped me to solve my debt problem and start a new life.

In response to: “Is there room for improvement or anything you would change?”

Nothing the service is excellent! Four pillars provided us with a life altering service. Gone are the sleepless nights and phone ringing off the hook. We now feel the future is brighter and we can manage with everyday life without stress. Daniel and Rachel H

I am satisfied with the services provided and strategies in place to get me out of debt very quickly. I cannot imagine reducing my debt to such a ridiculous amount without 4 Pillars. This company is God sent and I am happy to come across it. Thank you, 4 Pillars.

I was very nervous and upset on my first appointment

I had finally got out of my own way and left an abusive marriage. I struggled financially on my own for almost an year. My daughter suggested I make an appointment with 4 Pillars, as she had heard only positive things about them. I was very nervous and upset on my first appointment but Pauline put at ease right away. Pauline provided me with information that was very informative and easy to follow and understand. I am very thankful for the professional support and compassion Pauline has provided me. I now can see the bright side of life and am moving forward with a positive manner.

In response to: “Is there room for improvement or anything you would change?”

Put more of what you say @ first in writing When no one would help me, you (4 Pillars) were there to lift me up and guide me to see the light at the end of a long distant tunnel, and give me hope that I will be debt free in 5 years’ time William S

Service was great. It was very well arranged and accommodating to individual needs. What initially was a scary decision to make very quickly became a comfortable and well explained. I had a safe and responsible feeling from the meetings and information shared. This helped put my mind at ease and trust 4 Pillars to guide me through the process.

THANK YOU THANK YOU!!!! You are awesome!

Dear Trevor: Thank you so very much Trevor! You are awesome! You have been such a BIG help to us! Thank you just doesn't seem enough but THANK YOU THANK YOU!!!!! You have made this very difficult time so much easier for us and your professional style is just outstanding. Reducing our debt from $76,000 to $27,600 has made all the difference in getting our financial situation under control. We now have monthly payments we can afford at zero interest so we can actually pay off our debt instead of just interest. Thank you so much!

In response to: “Is there room for improvement or anything you would change?”

Respond to phone calls 4 Pillars were friendly and professional. They put our minds at ease and explained thoroughly the options available to us. We are very pleased that we used their services. Raymond F

From the moment I met with Zach, I immediately began to feel relief. Whenever I had questions, Zach was there to answer them and he always responded promptly.

In response to: “Is there room for improvement or anything you would change?”

Service was excellent! Provided me with enough information about debt and credit counselling to make me feel confident in my decisions regarding my finances. Rebecca