Hear what hundreds of clients had to say

I am happy that I found 4 Pillars Consulting Group. I was sinking in debt and with the help of 4 Pillars my debts are being paid off.

You are a welcomed blessing in my life

Thank you again so much for making me feel comfortable. You are a much needed and welcomed blessing in my life right now with everything that's going on. I am very grateful for that.

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

They were so kind, just give everyone love. I am so thankful for 4 Pillars, I did not know where to turn. Then I seek 4 pillars and they were so kind to me. Bless you all. B & ****

I was desperate, living in my car ad unable to make payments when I called Zach. His plan allowed me to pay my creditors and live free from debt. I have my life back.

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

Nothing at all you are doing excellent Before I came to 4 pillars, I was barely keeping myself afloat. I had a short temper with loved ones. Shortly after entering 4 pillars, they made me feel at ease like I was talking with family member, 4 pillars reduced my debt way more than I thought possible. I highly recommend 4 pillars/

4 Pillars Group handled my debt problems efficiently and was extremely understanding and empathetic in all dealings with me. I thought of Zach as a friend that was there to help me through this situation.

The call I made to 4 Pillars changed my life

I had nowhere to turn, bills had piled up and creditors calling day and night! I couldn't even answer my phone any more. Then I saw the ad for 4Pillars and the call I made to them changed my life. They immediately helped me take charge of my financial nightmare! I no longer felt alone and have ongoing assistance whenever I need it! Today I am living a different life thanks to 4Pillars and it doesn't stop there! They are helping me to restructure and build my credit rating again. Their knowledge and expertise has given me a new beginning, a second chance and I highly recommend them to anyone that finds themselves in the claws of debt! Thank you so much 4Pillars!

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

4 pillars is a great company. They handled our case with care and consideration. Everything was explained before they did anything. They made us comfortable and relaxed. They accommodated us to our schedule and were very flexible. Melanie B

I never knew that this kind of help was really there. People of 4 Pillars make us feel comfortable, at ease and know a lot of valuable info. We no longer worry every day and don’t feel ashamed.

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

Adrian & Miles provided service that went above and beyond. They were knowledgeable and friendly and explained all my options to me in a way that I could understand. They made a stressful matter turn into a relaxed and easy process. They were very supportive and flexible in meeting my busy schedule. Amanda G.

4 Pillars was knowledgeable, compassionate and gave wise counsel. Helpful in every way.

We were facing bankruptcy

Thank you so very much Pauline! Facing bankruptcy, losing the cottage and acknowledging the mess we were in were tough days! Your patience, your non-judgment, you calm reassuring smiles all made this process "do-able" for us. You were never too busy to return our numerous calls or emails. We say THANK YOU!

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

Nothing, I couldn’t of had me pleasant and informative experience! My spousal separation left me with a debt load beyond my means. 4 pillars gave me hope that showed light at the end of a financial tunnel I was dreading for years to come. I was given the tools to provide financial stability and stopped living pay cheque to pay cheque….thanks for teaching me the tools I needed to make a fresh start for me and my children.

Service was prompt and curtious. Learned about saving money and how to rebuild credit. Trustworthy agent!!

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

Nothing. Everything went better than I thought. Adrian could not do enough to help us with our problem. He help us and not the banks he made sure everything was ok for us. Thanks

Get more consultants like Zach. I was shown the light at the end of the tunnel. Thank you!

I can breathe again

I want to say "Thank You" again for all of your encouragement and help through a dark and stressful time. I can now breathe again and have my debt reduced by 70%! A huge weight has been lifted to make my life a much better place.

4 Peace of Mind Investment for a brighter future Long term goals achieved Lifted term weight of your shoulders Advice when you need it Reassuring and compassionate Satisfaction guaranteed Ben

Zach and 4 Pillars helped me put closure on a difficult chapter of my life. Thankfully, I’m now in greater control of my financial situation and have regained confidence in myself and feel more optimistic about my future. I highly recommend working with Zach – he is a professional, enthusiastic and answered all my many questions!

No possible way to keep up with my credit card payments

When I realized there was no possible way to keep up with my credit card payments and the stress was becoming too much to handle, I called 4 Pillars Consulting. After my first phone call, I already felt relief. Then, after meeting with Scott, my Turnaround Consultant, I felt like a giant weight had been lifted from my shoulders. He was able to drastically reduce my debt and turn my one monthly payment into something I can easily manage now. Scott is a real person who treated me like a real person, and can appreciate that people like me need help. The stress relief I feel now is great and I can go back to enjoying a stress free life.

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

Bad things sometimes happen to good people. Four pillars was the life preserver I needed when I was drowning. I was treated with compassion and understanding and given options for my situation and guidance in choosing the right one. Billie W

Very happy. Zach is the best.

I can't thank you enough

I can't thank you enough for helping me with my debt. I am so happy because I don't have to worry about how to pay my bills anymore. You made me feel so comfortable talking to you because I felt that I could trust you.Love Peggy.

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

I wouldn’t change anything. Well-structured timelines, confidential, friendly and helpful service provided. You were able to not only reduce my debt significantly but also reduce my level of stress and get back to focusing on other aspects of life. Your service has done me a world of good. Thank you. Bob F

My financial situation was in crisis. Zach provide me with realistic options and peace of mind. My future is a lot more promising now that the proposal is in place.

You were there to lift me up

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 back hope. I am so happy that I will be completely debt free in 4 years! ($9,500 original debt reduced to $5,040 ($105 x 48 months).

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

I wouldn’t change anything. I think the service that is provided to the clients is really good. Thanks to 4 pillars I can now live my life without fear of picking up my phone, from the annoying creditors calling me Will K

Dear Zach, I’ve wanted to send this letter of appreciation for sometime now. Day to day living always seemed to get in the way and I lost sight of what was one of the really important things I should have done. Hence, this letter. The day I knew I needed help from a professional and found myself contacting you was a very difficult one for me. I had no idea what to expect, I didn’t even really believe there was any hope that anyone could assist me with the financial problems I was struggling to control. That day turned into a blessing in disguise. If you can remember that first conversation, you provided good advice in a very timely manner. Your advice covered not only debt but other matters as well. I promptly acted on your advice, which in turn, saved me a lot of grief at the time. You showed a genuine interest in my situation and kept every promise you made to me. A rare and refreshing trait these days! When I became ill, you not only displayed concern but when out of your way for me. I know you’re a busy person, yet you didn’t hesitate to stop by, picking me up for appointments, dropping off documents, spending time explaining to me, etc. I always found you to be friendly and pleasant to work with. That quirky sense of humour and quick smile always eased any stress I was undergoing, another blessing! I felt I could trust you to do the right thing, and you did. In short, I’m very happy to have done business with you and am looking forward to that next meeting. I have no doubt I’ll be steered in the right direction again! Sincerely Susan M. Lescombe

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

We believe that the service was great and wouldn’t change a thing You guys have helped us in many ways so we can save money. There is no stress about money. Thanks again for helping and teaching us ways to save.

Speechless – Excellent Job

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

Nothing I enjoyed talking and dealing with Adrian and Miles. They totally explained the process and answered any questions I had.

4 Pillars was the light at the end of the long dark tunnel – Zach provided the match! My concerns were dealt with speedily with no fuss. Highly recommend Zach and 4 Pillars. Thank you so much!

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

Nothing you guys are always ****thanks for all the help. I am happy for all you guys have done for us! Gave me a great *****always ******for positive feedback. Thanks so much

We are extremely happy that we were referred our clients to you. Here is an excerpt from their recent email: “Zach was great! He’s smart and knows what he’s talking about. He was EXTREMELY thorough in explaining everything to us. Thank you for putting us in touch with Zach.” Thank you Zach for taking such good care of my clients. I know with you looking after them, they will be ready to purchase much sooner! Yours Truly, Heather Keeling

After losing my job to an injury, the stress of providing for my family was increasing as rapidly as the bills were stacking. Feeling like we had come to a dead end, we took one more leap of faith and contacted Scott Patton from 4 Pillars Consulting. Scott handled our financial debt with outstanding professionalism. He was always quick to respond to any questions or concerns we had. He handled the process of our situation with ease and formed a trust with us that was comforting. Because of Scott’s devoted assistance and success with our case we were able to start our own small business. We would highly recommend his services!

Signed
J&A

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

Nothing, the service was excellent Was wondering how I was going to pay my bills was always stressed, went to 4 pillars and was made aware of my options and when everything was done they made me feel welcome and stress free. If it wasn’t for 4 pillars I probably would have filed for bankruptcy Laura R

Before we met with Zach, we were very stressed about our debt and didn’t know where to turn. He met with us and explained our options CLEARLY. He stayed in touch with us throughout the process and saved us so much money! Thank you, Zach!

In the few years preceding 2013, my family was, like many Canadian families, living a life of quiet desperation. We were financially devastated.
This situation began when my husband was sued by a client. This was certainly the catalyst. He went into a deep depression, and, of course, didn’t work for a while. I had to pay all of the bills which included 3 credit card accounts. I had been using these cards to help with the monthly expenses.

I started looking around to find a solution to this situation. But the worse was to come. I did some research, asked questions, and was given all kinds of advice. Following some of these, included, ‘Stop paying the cards’. I had never missed a minimum payment. That was the only way those companies would take my case, and after I had saved enough money, they would negotiate a settlement for me with my creditors. In the meantime, I was to pay them a monthly fee. In hindsight, that was very bad advice.
As I followed this advice, the calls started, and finally, all accounts were put through the courts, and my wages were being garnished. By this time, no one would help us. We lost additional money paying these companies for services not rendered. Can anyone imagine the level of stress and strife within my household?

Then, by luck ( I call it that ), I was introduced to 4 Pillars, and Scott Patton. I explained our situation, and his first words were: 'We could get you out of this predicament within a couple months.' So said …..so done.

To us, the process seemed simple. But we knew that the legal procedures and process that Scott and his team were following were extremely detailed. They fought for us, and truly worked on our behalf. We were kept informed through every step, and finally in a few months, we were able to resume our lives stress free.

There is a very important feature of the 4 Pillars program which includes budgeting and credit rebuilding. Having followed their guidelines and ongoing advice, I can say that only after 14 months, both my husband and I have decent credit scores. So much so that we were able to secure a car loan and we were approved for an unsecured credit card to help us rebuild our credit.

Through education, all the myths regarding debt reconstruction were dispelled. We found this to be a safe program designed to help us. We also learned quite a few lessons, one of which is that there is a company out there truly committed to helping families in trouble.

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

You could advertise more as many people don’t know this option is available. When I found out about 4 pillars, I was drowning in debt, my financial life was spinning out of control. Through a friend I found out about 4 pillars, Adrian and Miles were very kind and caring. They also were very professional and reassured me things were going to be alright I am now on my *****financially and I am happy person again, I’m rebuilding my credit and I now sleep all night. I would highly recommend 4 pillars to anyone who is facing financially *******4 pillars, Adrian & miles thank you for giving me my life back

Zach and his associates were there every step of the way and actioned any and all questions I had promptly, even in the last hours of the night. I highly recommend letting Zach help my friends and family that need debt consolidations.

$32,000 of debt reduced to $10,500

I had been dealing with ********** (name removed), paying all kinds of fees with no results. After 4 months with ********* (name removed) I was frustrated. Came to 4 Pillars and everything was concluded completely in 2 months. Amazing - No stress - So professional.

I was referred to 4 Pillars by a good friend of mine who saw I was struggling. I was going through the worst time of my life after being defrauded. My friend came with me to my first appointment as I didn’t know what to expect and was really nervous. I believed I would be regarded as not being too bright because of my situation.
Right from day 1 Scott made me feel at ease. There has been no judgement. Scott has been there to answer any questions or concerns I have had. I am working on trust issues still. I put my trust in Scott and have not been disappointed. I found out on December 4/2015 that my consumer proposal was accepted. It was an emotional day. If you are debating about whether or not to contact 4 Pillars, do yourself a big favour and go for it. You have absolutely nothing to lose but wasted time paying interest rather than paying down principle. There is a light at the end of the tunnel. Thank you Scott!

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

Well as far as I’m concerned for me you provide everything I need to know. Going to 4 pillars was the best decision I made in my life my debt was out of control and now I known now how to manage my money a lot better. They lifted that stress relief from my creditors. Liz A

I was very nervous at the beginning but Zach helped me through the experience. I am very grateful.

Before I called Scott at 4 Pillars, I had been thinking about contacting them for a few months. On a cold January afternoon, I was left with no choice but to finally do it an hour after I was laid off from my job, which was barely allowing me to make even the most minimum of payments on my debts.
The haziness and anxiety surrounding the months prior to reaching out to 4 Pillars for help started disappearing after my first phone call with Scott. I’m sure that he didn’t believe that I ‘had a cold’, and could tell that I was stressed beyond belief, but he spoke to me like I wasn’t a complete failure, which is the feeling that followed me very closely that day.

I felt comfortable with him right away and looked forward to our appointment very much, as much as I resented the fact that I found myself in this situation. After a series of unfortunate events, I was left with debts that I would not have been able to pay off unless I married into royalty, and was close to declaring bankruptcy.
Scott provided me with enough information and options that I never had to go through with this option and was able to settle on the consumer proposal as a way to deal with my debt.

Although a relief in some sense, to bring your debt down to a manageable size, it is still a difficult process to go through, but Scott was there every step of the way and made the whole thing seem less daunting than it did in the beginning.
I can’t thank you enough for the humanity you brought to the whole process Scott, and for reducing my debt from $47,000 down to just $14,700.

Sincerely,

H.B.

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

Adrian and Miles are very professional and reasonable. They both have increased my confidence level regarding improving my financial status and long term goals both professionally and personally, I would highly recommend them both to anyone needing financial guidance and support. Shawn F

Zach made us comfortable and gave us confidence to get through this. We really appreciate his help.

$16,000 reduced to $6,600

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. Thanks Adrian. ($16,000 original debt reduced to $6,600 ($110 x 60 months)).

Scott at 4 Pillars Consulting is amazing! He doesn’t judge, shows humility and kindness and is willing to make sure you are comfortable with any direction you take with your financial situation. I’ve asked him dozens of questions ( sometimes the same question phrased differently ), and he always answers with grace.
Even after a few changes had to be made with our proposal, he was right there to make sure we knew what to expect and how to navigate any unexpected issues. Overall, I was highly satisfied with my experience at 4 Pillars and would HIGHLY recommend them to anyone seeking sound financial advice.

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

Nothing, you guys are already great. You guys already know what you are doing. You guys did a wonderful job reducing my debt. I cannot express my gratitude enough in my situation. Thanking you again from the bottom of my heart. Angela M