Hear what hundreds of clients had to say

Thank you for all your help! Now I can go to sleep!

Hello everyone. Scott at 4 Pillars in Kitchener is the best! I was worried at first and thought it was too good to be true and that it was costly to do a proposal. Scott seemed so knowledgeable and has been helping people in my situation for years and he is part of a very reputable company so I went ahead with it and basically trusted my life with him as I was in financial RUIN!

I was stressed out very often and at times thought that my proposal would not get accepted and I would message Scott at weird hours day and night, and he would help me calm down so the end to this story is the best!

My proposal was accepted!! I have to only pay back a quarter of what I owed to my creditors and I was able to keep my homes and my business. I owed so much money before this I could not pay it back or even pay all of the payments every month. I thought that I was going to lose everything!

I would totally recommend Scott at 4 Pillars Kitchener to everyone and I always will. Thank you Scott!

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

Everything was perfect and easy I am very satisfied with the level of service. I am very relieved to have my finances under control for the first time in years.

We are very happy that we contacted 4 Pillars. We would not have been able to live in our seniors apartment if we were still carrying the debts we had. It is such a load off our shoulders and our mind. Thanks to 4 Pillars.

Very trustworthy and friendly debt consulting services provided by Scott Patton. I came to his office with a problem and he helped me leave with a solution. Scott will support you with a clean cut plan and guide you from point A to point B.

I highly recommended him to anyone who wants to get their finances and life back on track! Thanks Scott!

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

Nothing! They were easy to talk to and I felt comfortable calling with any questions or concerns I had! Very friendly and helpful I had debt with my credit cards for a while due to many house renovations. Making all payments every month wasn’t getting me anywhere because of interest. It was very stressful until 4 pillars helped me. They took care of everything, no more phone calls or letters and I finally felt stress free about my finances! Tana

Keep doing what you are doing. Your services are excellent.

Scott is A+ in my books. He definitely goes that extra mile for you and super friendly and easy to talk to.

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

In my case a seasonally adjusted payment plan would help ease winter fears as majority of work happens between April and November (roofing) It is early in the game for me but pressure has eased and have no regrets in having asked Miles and Adrian (4 Pillars) for their help. At 50 years old I feel I have a future debt free. Monica S

With the help from Zach my stress levels of being in debt and money problems have been lifted and I am able to start planning my future instead of worrying about it. Thanks!

I just have to say, my advisor, Scott, at 4 Pillars was very knowledgeable and patient. He assessed my situation and worked with me at what he thought worked best for me, based on my situation. He found a solution to help get me back on track and gave me the confidence to start living my life again, without the stress of wondering where money was going to come from.

I would highly recommend the assistance of 4 Pillars to anyone who has financial debt.

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

It’s so good to have a stress free life! For the first time in many years I have some money in the bank and spend my money differently (thinking before I buy) Kate B

I first met with Scott on January/2010. My debts had overwhelmed me and I needed guidance and help so I could restart my life without going bankrupt. I am 60 years old and had been dramatically affected by the recession.
Scott has been able to layout a plan that will allow me some freedom to enjoy life, anxiety free. Scott’s professionalism and calm approach to solving my financial issues was a godsend. Thank you Scott!!

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

To our knowledge nothing, everything was explained very well. Thank you so much for helping Paul and I, this was the hardest thing we have ever done. We weren’t proud of having to do a proposal, but are very happy we can get on with our life now a little easier without all the phone calls. Thank you again. Paul & Anna D

Our experience with Ryan and Sharon is one that changed our lives completely. Their ability to make us feel understood and cared about with our situation is what made it possible to go through what was required, to get control of our finances. We highly recommend 4 Pillars to anyone and everyone who is ready to make a change with lives. Dennis and Pamela

Special thanks to 4 Pillars, for your professionalism in restructuring our debt. We highly recommend 4 Pillars to any person requiring help with any debt problem.

We are feeling so much more relieved after dealing with 4 Pillars. They exceeded our expectations and we highly recommend their services to people who are looking to get out of debt.

4 Pillars: Their helpfulness in our time of crisis saved us from disaster at this time in our life. Very professional and understanding is what we got so it gave us peace of mind knowing they were solving our anxiety and putting us on track again to start life!

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

Just keep up the good work. They were great H.M

I have had several clients that have worked with 4 Pillars all with exceptional results! We are very pleased to be able to refer clients to Ryan and his Team at 4 Pillars. They truly are the best option for debt relief! Danelle

We were $103,000 in debt

When we first came in to see Jane at 4pillars we were $103,000 in debt. We were unsure of how we were going to get out of it. It seemed impossible. It was taking a toll on our marriage, family and health.Going through this with Jane has been a huge weight off our shoulders and a light at the end of the tunnel.

After my initial assessment with 4 Pillars a huge weight was lifted from my shoulders. My stress level went down. There was a light at the end of the tunnel. They were professional and respectful and kept me well informed of what was going on. They were easy to talk to and helped me understand all of my options. I would highly recommend this company to anyone with financial issues.

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

Nothing everything was explained great. Adrian is very helpful and explains things to make sure you understand. Bob & Kathy

I went to talk to Ryan after a nasty divorce and high expenses resulting from it left me in a position of absolute turmoil!!! He was able to reduce my monthly debt payments by $1,000! Having just getting remarried, I was looking for a fresh start in life. That is exactly what I got! With the weight off my shoulders of debt from going thru a divorce, moving forward with a clean slate has improved our family life one hundred percent. Now my wife and I can raise our children not stressing about what my past circumstances had left us having to worrying about on a monthly basis. Ryan and his staff were very professional. Even with a difficult file, Ryan put forth every effort to make sure we could have the best outcome possible.

My financial heaviness in the past

Helping out family over the years had brought me to the brink of unmanageable debt. I wasn't getting ahead no matter how hard I tried. I decided to surf the web for various debt relief programs, and settled on the one that I felt the most secure about, www.4pillars.ca. It was the best decision I made. Jane's knowledge and expertise helped me find the best solution. I can truly say, that after my financial heaviness in the past, I can finally "breathe" again. Thank you Jane. P.S. This note is sincere and illustrates the depth of my feeling and represents my new found financial freedom.

4 Pillars has been a great help. They helped us get our lives together and back on track again. They helped reduce our debt and put us on the path towards being financially stable. We can’t thank you enough with our words.

Sincerely,

C.K.

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

A special thank you for your care and concern and thank you for placing me on the right track for a more secure and happier future. Deb M

Every day I am so thankful that I met you

Every day I am so thankful that I met you. My husband and I were in way over our heads, drowning in a sea of debt, and it was only getting worse. We didn't know what to do anymore. I was even afraid to answer the phone. How could we let it get this bad? We couldn't sleep anymore and it was starting to affect our jobs, our relationships with our family and friends, and especially our marriage. We tried everything to get out of debt including using all our retirement savings but nothing was working. All it did was make us feel worse. We still had the debt and now we had no retirement fund. Finally, we caught a break when we met you. Right from the start, you made us feel like you were there to help. You were amazing to talk to and didn't make us feel bad for our situation. You always treated us in a caring, professional manner offering solutions, not criticism. You explained all our options and helped us choose the best solution for us and our situation, and the best part was that no matter how many questions we asked, you were always there to answer and guide us. Because of you John, I am now able to enjoy life again and my marriage is stronger than ever. I can even answer my phone again without fear of who is on the other end. My husband and I sleep so much better and have even been able to start thinking about our retirement again. You did exactly what you said you would do and for that we will always be grateful. I highly recommend your services to anyone who wants an honest, professional opinion and someone who truly cares working on this difficult situation. Thanks again for everything.

I wanted to take a moment to thank you and 4 Pillars for helping me through a very difficult time. With your expertise and compassion for my situation, we were able to achieve the best possible plan for my debt restructuring. To say that this is life altering would be an understatement.

We were able to tailor make my solution rather than ‘ box it into’ to a conventional plan that wouldn’t guarantee my personal success at all.

This experience has been a very positive one despite the circumstances and I also must thank you for doing what you said you would do. It also was incredible that I was able to reach out and contact you whenever questions would crop up.

I can now face each day knowing that everything has been taken care of and that there is a time defined ‘light at the end of the tunnel’. How comforting is that!

I would highly recommend you Scott and 4 Pillars for helping me successfully win the debt battle! It’s a battle I could never win alone….

Warmest regards and with Sincere Appreciation.

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

Nothing. Adrian and Miles were very informative, friendly and supportive. Never felt that they anything but professional. I had been dealing with Cambridge life solutions. Was paying all kinds of fees with no results. After 4 months with CLS, I was frustrated, came to four pillars and everything was concluded in 2 months. Amazing no stress.so professional.

I remember walking tearfully into your office

Dear Robert, I remember walking tearfully into your office and you offered me hope. I can't tell you how much you've changed my life - I have no more sense of dread and anxiety that had discolored my days and kept me sleepless at night prior to meeting you. You structured and presented a consumer proposal for me that gave me back a future. Thank you for being so kind and patient and guiding me through your process in obtaining debt relief for me. Whenever I called to your busy day, you made me feel that I was the only person in the world in helping me get to where I needed to be.

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

Nothing really. My only concern was the length of time the process took but there really isn’t anything I know of that could speed it up. Life happens and sometimes you need help. Thanks Adrian and Miles for helping me understand my options and for helping me get back on track. Catherine

I was 150K in debt and skeptical of 4 Pillars

Over the last few years I had managed to run up $150k in unsecured debt. Mainly credit cards and line of credit. I had approached the Banks to secure a loan to pay off the debts, but because of the high minimum payments, I was not able to qualify for the payments, which would have been less than my minimum payments each month! Because of the high balances I was carrying, the interest rates kept creeping up and it was becoming a challenge just to make the minimum payments. I was losing sleep, and it was stressful for me and my family, just trying to make ends meet. I was constantly searching the internet for solutions to my predicament when I came across John's website. I contacted John and he assured me over the phone that he could help me out. I must admit initially I was a little skeptical. I met with John and he was able to discuss various options. John seemed genuinely sympathetic to my situation. We were able to come up with a strategy whereby we would offer a settlement proposal based on what I could afford to repay, on a monthly basis over a 60 month period. The settlement was agreed to by all parties (a pleasant surprise as I was still somewhat skeptical) and now I have a fixed monthly payment repaying a portion of the total debt, interest free. Having a strategy in place, and the ability to make my monthly payments has taken a huge burden off my back, and I sincerely thank John for all his help.

December 7/2009

I found Mr. Patton insightful to the emotional as well as the economic needs of people. He was very respectful and thoughtful to me. Because he is very thorough and organized, the process was understandable and went smoothly.

Sincerely,

G.K.

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

Wouldn’t change a thing We should have done this years ago, the stress it would have relieved we can see a clearer future, health problems are diminished because of no more worry, what a great feeling. Ken S

I consulted with Ryan 4 years ago it was the best thing I ever did

I would like to say that from the time I phoned Scott Patton at 4 Pillars Consulting he was very thoughtful in the way he approached my financial problems.
He set up a meeting with us both as quickly as possible and pointed out to me all of what was required.

Any questions or concerns I had, Scott was very quick in answering my emails and helping me out when I really needed support.
If at any time I know of anyone who is having financial difficulties, I will not hesitate to direct them to phone Scott at 4 Pillars Consulting.

Yours truly,

Christine

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

Don’t change a thing!! Four pillars guided me to the light at the end of a very long dark tunnel. Their understanding and positive attitude was very comforting. They worked with me to come up with a solution that was best for me. I couldn’t have done this without them

4 Pillars has helped relieve my financial stress. Scott Patton explained all of my options clearly so I could make the best choice for my needs. He has taken me through the process step by step so I did not have the stress of trying to figure out things on my own. Thank you Scott!

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

I’m very satisfied and do not see a lot of room for improvement. From the very beginning of the process to a successful resolution, Adrian and Myles made me feel comfortable and confident that I had made the right decision regarding my debt management. Bentley S

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

The service provide was beyond my expectations. I’ve had a problem managing my debt for many years as I was getting closer to my retirement, I knew I had to do something. After hearing about 4 pillars from a friend, I decided to give them a call and go for a free consultation. From that first day I knew this was for me. Everything was explained in detail and was given my options. I felt like I was talking to an old friend. Thanks to 4 pillars, the creditors are off my back and have started to rebuild my credit. Bryce F

4 Pillars has been a godsend to us. The creditors are no longer on our backs and we can answer the phone and breathe again. The process was easy and quick and the staff was friendly and understanding.

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

(NOT A THING) you both were very friendly. Enjoyed meeting you both At 4 pillars you did amazing job, made me feel at ease, would recommend you to anyone who need help. Amazing job well done Sincerely S.F.H

To whom it may concern:

I would just like to say a few words about my experience with 4 Pillars Consulting Group. My consultant, Scott Patton, has been a great help. Upon my first visit I felt very relieved after talking with him about my situation. I was under a lot of stress because of my lack of discipline financially. I have just gone through a separation and needed to start over again.

Scott explained all of the processes very clearly and in a simple format that made it easy to understand. He broke down all I needed to present to him. I am hoping that this will allow me to get a grasp on my life again and to turn things around in a positive nature.

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

Not a thing, everything was handled well. We are very happy with the services that 4 pillars provided. Helped us see the light at the end of tunnel.

Scott, thanks for treating me with respect throughout this whole ordeal. You saved me a great deal of money and I could keep my house! Wow!
I am sleeping much better. Thanks again.

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

I can’t think of anything. I was 100% satisfied how everything was handled. After years of struggling and fighting with my ****loans, 4 pillars took away a huge amount of stress by making a plan that worked for us. I no longer worry or stress over the debt I had. I am 100% satisfied and recommend them. Marty G

July 2009,

I came to Scott at 4 Pillars stressed from my debt load, being harassed daily by phone calls from creditors who yelled at me, degraded me, and did not offer any help.
Scott reduced my debt load, set up an easier payback schedule, arranged for me to receive some budget and finance counselling, and made the light at the end of the tunnel visible and achievable.
It was nice not to be yelled at or belittled. Thank you so much for your assistance!

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

Nothing The two professional advisors provided us with a “way out of a dark tunnel” which has allowed us to financially get “back on track”-thank you.

After speaking with a 4 Pillars representative for just 20 minutes, I felt a great weight being lifted off my shoulders. Just knowing that I had options helped me feel more optimistic about my financial future!