Hear what hundreds of clients had to say

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

Service is excellent + no improvement required. 4 pillars consulting group (Miles and Adrian) provided excellent advice regarding restructuring of our financial situation giving us stress and emotional******and helped get our life in order. I.N

ARE YOU IN DEBT? Be honest with yourself... Debt can and will kill your life with a future of 'no way out'... You do not have to go down that road.. I've had my fair share of debt and its not a good feeling. Because I am involved with a lot of people daily I see and hear the stories of many people who are in so much debt and cannot get ahead. PLEASE GO AND TALK WITH 4 PILLARS CONSULTING - IT WILL CHANGE YOUR LIFE! Anybody that I have referred to 4 Pillars has always come back extremely happy with the results that changed their lives! I have found that Ryan Brown and 4 Pillars service cannot be matched, they are professional, discrete and compassionate - they understand. They are NOT trustees in bankruptcy and because of this, they are able to take a position alongside the client, finding a solution to the debt that is in the best interest of the client. If you, your family or friends are looking for HONEST options to help solve debt, you absolutely need to call 4 Pillars as there is nobody in Canada that has the ability to help people get debt free and back on track like they can. PLEASE take this seriously.... Call... you won't believe how easy you can be set free to have your life back again!

I spent a long time just trying to take care of my debt myself. Constantly trying to pay off the bills, and somehow manage to have a life. It wasn’t working. You miss one payment, and it takes months to correct for it. You have no money while you do it. What good is good credit and no money? 4 Pillars had advertised in the same booklet that my work had used. I had seen the ad, and thought about how nice it would be to be out of debt. However, it wasn’t for another year of trying and fighting that I decided to see what my options were. So I gave them a call. They had me in as soon as I could find the time. I met with Scott, and he showed me everything available. I almost didn’t believe him at first. In a few months I could be on a plan that fixes my problem, and puts money in my pocket. Not only that, but also started helping me to rebuild my credit while I’m paying the debt off. Actually paying it off, and not the interest. Thanks Scott, and 4 Pillars!

Thanks,

Kevin M

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

When I was sitting in the chair across from Adrian for the very first time I was so nervous. The thoughts that ran through my head were numerous. I was wondering if these guys were for real, was this a legitimate company?, will these guys help us or put us further in the whole? What happens next? Well I can tell you from our experience is that they are legitimate and they do help out….a lot. Adrian told us that he was building towards us having a credit card in a year from the date we came in and I almost peed my pants. I said “are you kidding me, that’s one of the reasons we are here”. But after all the credit rebuilding and just plain conversations we get it now. We are past the year mark and he is correct, we have a credit card and are making it work…the proper way. We can’t that the Moore men enough for all they have done. So sit back, relax and know that you are in good hands. Oh and it’s true if you have a hard candy you can’t cry, I know from personal experience. T&C McGee

We have been working with 4 Pillars for the past 2 years. In that time they have become an invaluable partner in our efforts to help families win the money game. They have proven over and over again that they are truly client first in their focus. They do not merely solve people's debts, they treat them with respect and care about their long term success. These are good people doing honest work for good people. Thanks Ryan, Sharon and team for all you are doing for our client families!

I just wanted to thank you 4 Pillars for not only reducing my debt but also reducing an overload of stress that my family and I have been under!

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

I don’t think there is a way to improve I was in so much debt that it kept me up at night. I couldn’t do anything because of money now I have some deposable money and I am able to live the life I want. Thank you 4 pillars Andrew L

I have referred several clients to 4 Pillars Consulting, with amazing results! Each of my clients has been uniquely provided with solutions to their debt issues. In my estimation, 4 Pillars truly does take care of the client, not the creditor. I will continue to work with them as a trustworthy and valued service!

Dear Sir,

I thank you so much for your help with my finances. This will help me a lot with my cash flow. I will definitely refer you to everyone in need of this service. Thank you!

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

Nothing, everything went smoothly! 4 pillars came to the rescue when I thought all was hopeless. Debt relief and stress relief Paul W

4 Pillars reduced my debt by 70%!! I am so thankful for their help.

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

Feel of relief, calls have stopped, getting back on track and it feels great. Thank you 4 pillars Jay M

I am so thankful for 4 Pillars. If I had listened to the advice of my lawyer, I would have chosen bankruptcy and would be starting over and I am not in a position to be starting over in this stage of my life after divorce. I did my own personal research and concluded to leave the legal issues of divorce to lawyers and seek the advice on debt resolution and credit rebuilding to the experts at 4 pillars.

To whom it may concern,

I wish to mention that Scott and his staff at 4 Pillars Consulting Group met with me in a timely and professional manner. They seemed to really care. All of my questions were dealt with in an upfront way as the process of debt settlement continued for me and as I did not wish to enter bankruptcy.
Thank you for your help and support!

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

I don’t know of anything. I thought everything was handled professionally. I was very happy with the services provided and in the manner everything was handled. I would recommend them to anyone without hesitation

We were in desperate need of financial help. Ryan was understanding, helpful and very knowledgable. Money problems are very stressful and Ryan led us through with confidence and reassurance. It has been a year and a half since we started meeting with Ryan. The weight has been lifted off our shoulders and we are on our feet again. This was the best decision we could have made. We should have done it sooner!

Many thanks to 4 Pillars for giving us our life back! Our debt was significantly reduced and we are now able to manage our finances successfully AND save for the future!

Thanks again!

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

We never thought that we would get back on track until we did our proposal. No more stress! Our budget is manageable + we are actually saving again. Our future seems so much brighter and happier now. Pam & Dan

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

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

I don’t think there is any room for improvement, the service I had with 4 pillars was perfect. I used to have many sleepless nights, but after the first couple of meetings that changed, and the feeling of hope of getting back on my feet was stronger than ever! If I could rate 4 pillars it would be a clear 10 out of 10 Mark O

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

Nothing that comes to mind We are very happy with Adrian. The 4 pillars services, we were consumed by our credit card bills heading towards bankruptcy before starting with 4 pillars. We now feel we are on track and can manage those unexpected repairs/bills. Thanks Adrian Mary W

Approximately 3 years ago my husband came home from work looking quite distressed. He told me our financial situation was deteriorating and no matter how many extra hours we added to our work week, the bottom line was, we would hardly be able to keep up with the interest payments on our debt and still keep the house running.
He had a form he had picked up explaining what a consumer proposal was and a questionnaire. He wanted us to discuss doing a consumer proposal. I remember becoming very agitated and crying, I believe I uttered the words ‘ I would rather work myself to death’. He put the form away and we didn’t speak of it again until last year. As he had predicted, all of the extra hours, and even an intervention by family didn’t solve our money issues.
A few months ago, he had intended to retire from his job and keep his second job which according to his calculations would bring us in more money then if he would not retire. Well, as fate would have it, our lives became quite disrupted when he was laid off with no light in sight.

Someone was however looking after us, maybe a divine intervention, but he found an ad for 4 Pillars in the local paper and he brought it to my attentions. This time I listened as I knew we had to work on fixing the situation. We called the number, I was distraught at the time and when Scott answered the phone, he immediately relieved my anxiety by saying, ‘don’t worry, I am certain there is something we can do to help you’. Scott setup an appointment so that he could discuss our options and go over our situation.
From the minute we entered the reception area, we were treated with kindness, respect and courtesy. Scott was absolutely everything we hoped he would be, professional, sympathetic, and most of all non-judgemental. We left his office knowing we would get the help we needed here at 4 Pillars. Scott assured my husband and I that the creditor calls would soon stop, and to just refer them to his office, and that in itself was a blessing, as the nerve wracking conversations with them over the phone were taking its toll on our mental health.We followed all of the steps set out by Scott and the time came to meet our trustee.
The meeting, ( even though nerve wracking for us ), went exceptionally well and we went home hopeful that our creditors would be satisfied with everything that was presented to them by 4 Pillars. Finally, the day came when we received the call that the proposal was accepted by all of the creditors.

My husband and I sat down and together we thanked god for letting us find that article and then meet Scott. We still have a lot to learn on budgeting and credit rebuilding but we are certain with 4 Pillars help we will meet all of our goals.

To anyone who like us is going through mental, physical anguish over debt overload we offer this: Review your situation, swallow your pride and get help. We fully recommend Scott at 4 Pillars. There is absolutely no one that we ever met before while dealing with our finances that made us feel respected and worthy of this blessed intervention. We look forward to all that we will continue to learn through 4 Pillars.

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

Services are good. I am relaxed and feel comfortable do not have to worry about working day and night. Makes my bills get paid easier.

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

I thought the process was comfortable and easy Adrian was easy going and thoughtful. He made the process go smoothly. R.C

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

It would be nice to receive email communication regarding personal account as well as information about budgeting and other strategies. I was extremely satisfied with my experience with 4 pillars. I felt stuck and couldn’t resolve my debt on my own. 4 pillars walked me through the process and helped me take control of my finances. Ashley J

Hi Laurence, I wanted to give you an update on my situation since my proposal. I have two credit cards which are both at a zero balance; I have a comfortable amount of money in my chequing account and $2000.00 in my saving account. Your budgeting counselling has been invaluable to me and I have been able to increase my credit score to the point of being approved for a car loan. I am very financially happy thanks to you . Thanks so much Laurence.

We just wanted to say thank you for getting us through an awful time in our financial lives. We are so thankful that there are services out there that could help us start over without losing everything. We will definitely forward your name to anyone we come across whom we feel could use your services. Thanks again for helping give us a fresh start.

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

Thanks four pillars. You took a lot of stress off my shoulders and made it so that I could sleep again. I thought the only way out I had was bankruptcy and I didn’t want to lose my family’s home and everything my wife and I worked for. The proposal was the best thing for us. You made it so I could get a full night sleep and the phone is not ringing constantly throughout the day

We are so thankful we found you

It has been an eventful couple of months with car repairs and lower than normal commission but NOT particularly stressful because we had the funds to cover everything. I still have $3500.00 in my emergency fund after all the unexpected expenses. We cannot believe how different we are living with a manageable monthly payment. We now look at our budget each month and it is so nice to have money left over. We are taking the steps you recommended in rebuilding our credit score, we love being able to pay off our credit cards each month. We are so thankful we found you, reputable, honest and helpful. We are on the road to recovery and financial freedom.

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

Nothing you do a great job! Thank you so much for your help I don’t know what I would have done without you!

Thank you for being such a special person to me when I needed help through the most stressful time of my life. You have given me back my health and most of all a much happier outlook on life.

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

Nothing. More candy!!! Lol Adrian was extremely professional and efficient. We would highly recommend Adrian to friends and family. McPherson

My husband and I struggled with our debt for many years, tried every way to make things work but always ended up lost. After meeting with Laurence, he took the time to explain our options and never pressured us into anything. We would like to thank Laurence for his guidance, assistance, and kindness. We are now on our way to building a better financial future.

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

He told us everything but I did not understand about ******money being paid no trustee

We would just like to thank Laurence for all his help. He answered all of our questions from the start. Laurence was very professional and helped us each step of the way. While we were both nervous, Laurence was very encouraging and helped to guide us in the right direction. Laurence always found the time for us even when he was not in his office. We would highly recommend Laurence as he is a great asset to those who put their trust in him.

After a significant injury, I was left unable to work for a little over a year which left me turning to credit cards and payday loans to make ends meet. My finances crumbled and I felt myself running out of options. I spiraled into a depression, which only added insult to injury. After looking online trying to find out what my options were, I stumbled upon 4 Pillars. Scott contacted me right away and offered great knowledge and expertise. He went through all of my options with me and helped me figure out the best strategy. Because of Scott, a huge weight was lifted off my shoulders and I am now able to focus on regaining my financial footing.

Scott, thank you from the bottom of my heart for all of your help.

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

Nothing. Everything was great I was very happy with the service provided. It really helped me get out of my debt and stopped all the phone calls from the different businesses. I could not have done this on my own I am very grateful for all the help you have provided. Scott S

Laurence, thank you so much for all the hard work you have done for us. It's hard to show how much we appreciate it. Thanks Again!

I was in a financial crisis and a family member suggested I call 4 Pillars for help. I made the call and within a week we had a plan together to take the financial stress away, and rebuild my credit. The support I received was phenomenal. I would recommend 4 Pillars to anyone with financial burdens.

Thank you,

Bryan

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

I was very hesitant to do this, but now I think it was one of the best things I have done. Mark

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

Everything is explained clearly, and every question I had was answered. The situation I was in was new and scary to me! But Adrian helped me see the light at the end of the tunnel! Melissa S

4 Pillars cut my debt by 74%. They have me back on track, and I'm ready to be debt free again. Thank you 4 Pillars!!

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

Adrian exceeded my expectations in every way. He is truly exceptional at his job. What an amazing professional!! Adrian went above and beyond to carefully explain all my options every step of the way. He was always a pleasure to deal with. He made what seemed over whelming at first, much easier to cope with. I would highly recommend his services to anyone needing honest, knowledgeable, non-judgemental advice. I honestly can’t say enough about him. Maren F

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.

LH

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

“Free coffee” Nothing to say everything went well Shag

Dear Trevor, Just a brief note to thank you so very much for solving our serious financial problems. Fortunately I saw your brochure that offered help to those in financial distress. Trevor, in my many years in senior positions in other parts of Ontario, I had the opportunities to deal with executives at all levels. I can say without hesitation that our dealings with you were at the highest level. Your knowledge and understanding of our financial dilemma took an immediate weight of my shoulders. When you phoned and indicated that the financial plan that you and your computer had developed had been accepted by our creditors, I just said WOW!!!....that guy (you) is a genius. Your card says 4 Pillars Consulting Group, you are obviously one of the strong pillars. Thank you again. Keep up the good work.

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

Adrian has been so very helpful in guiding me through the process and knowledgeable in facilitating the consumer proposal. It is so much nicer not worrying about my debt and how it is going to be resolved. Thank you!! I can enjoy my life again! Julie C

Dear Trevor, Thank you, thank you, and thank you! I really cannot say it enough!!! Before contacting you, my finances were in complete disarray and unmanageable. Some unfortunate circumstances had resulted in me becoming dependent on credit to get by which meant accumulating debts that seemed endless. It was very stressful and I was a very unhappy person, constantly worrying about when the next bill would arrive and how I was going to pay it. My credit rating was important to me and I needed a suitable solution. I attempted to consult with other financial counseling bodies and was met with either instant rejection/disinterest or was put on a lengthy waiting list to meet with someone about obtaining a consolidation loan that, if I qualified for, would be accompanied by a high interest rate that would take me many years to pay back. I was reading through the paper (Oshawa This Week) when I happened upon your advertisement in the classifieds. What did I have to loose? Upon contacting you, you were friendly and positive and ready to help. During our first consultation meeting, you put my situation into perspective for me and showed me how you could help get things under control. Your advice was invaluable and for the first time in a long time, I was able to see a light at the end of the tunnel! A lot of work went into putting together my proposal and you managed to complete it in a timely manner, quickly putting me on the road to recovery. You kept me informed, offered me support, and were always there to answer any questions I had, all the while providing a high level of confidentiality. I now have a payment plan that I can manage and I am no longer stressed over finances and payments. I truly appreciate all that you have done for me. I have a lot of respect for you and your business and I encourage anyone who is struggling like I once was to seek your assistance. I am your advocate! Once again, thank you Trevor, and all the best to you. Sincerely, Jennifer

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

I feel you do the best, you listen you put everything into solutions that will work best for everyone involved and you come out with a complete picture that works wonders for all. 4 pillars people listen to you, help you to understand situations that can be turned around to help you instead of making you feel there is no chance for you to survive and feel good. Linda C

Good News!!

Hi Trevor…. Well it is done, we went to the meeting, and all is well, now we make our payments and we will be in good shape. Thank you so much for all you have done for us, I am so happy the lord put you in our lives, and I made the call to you that day ….I will never regret, what we did. And we have really learned through all this, well I best go, hope you had a good day, happy valentine….bye for now …I will keep in touch with you time to time.