Although I believe deep in my heart that Jennifer and John deserve more credit than I can ever express, I have struggled with putting my gratitude to them in words as I cannot find the words that could ever convey the magnitude of how they affected our lives. In the year 2010 my husband and I both lost our jobs and our family income went from $180,000 to under $45,000. We were not alone in this situation as thousands of individuals were in the same predicament during that year and the following year. As much as we struggled to find employment and were sending out resumes daily, being in our 50’s was making our hopes of succeeding very dismal. We continued as best we could to make monthly payments on our loan and 3 credit cards; however we were never able to make the minimum required by the financial institutions while still maintaining the basic household expenses. Phone calls from the bank were coming every hour every day. They were rude, judgmental and threatening, with not any indication of understanding for our situation or desire to work with us until we could find employment. We met with 3 organizations seeking help and in all 3 instances we were told that we did not qualify for bankruptcy and there was nothing they could do to help us. At this time our spirits were rock bottom and we did not know where to turn. Early in 2011, I lost my last living grandparent. A month later I lost my sister from a suicide and brought my mother from her seniors lodge to live with us so I could care for her while she grieved. The following month I was rear ended at a red light and spent the next 6 months having physiotherapy 3 times per week. All of this made the possibility of accepting an offer of employment very difficult. Shortly after this, I saw an ad for 4 Pillars online. We booked an appointment with John right away, and from the moment I walked into their office, I was overwhelmed with the positive energy, understanding and emotional support. Not only did they help us with our financial problems, but their positive demeanour has helped me realize that life will give us setbacks when we least expect it and giving up is not an option. My mother stayed with us for six months and after she went back to the lodge I was finally able to grieve myself. Two months after my mother moved out, we lost our 30 year old nephew in a car accident. I have thanked God every day since then, for bringing Jennifer and John into our lives. Just by being who they are, they gave me the strength and optimism to recover from everything that happened in my life during that time. We continue working with Jennifer and John three years later and I look forward to every meeting. There are no words that can ever express to them how much they have impacted my life since meeting them, so much more than just our financial problems.

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

From the moment we entered 4Pillars office we were given feeling of empathy, non-judgemental attitude and trust. Thank you Adrian for the help you gave us during this difficult time for us. We will be forever grateful for your help. Evelyn and ****.

The people at 4 Pillars Calgary I have dealt with were professional and non judgemental which makes such a stressful situation bearable.

Without this help I would still be in loads of debt and under a lot of stress

Debt reduced from $21,000 to $6,500
Paid $6,500 lump sum

My experience with Blair was great. He was extremely easy to work with and eased all my concerns during the process. This experience has changed my life as I was buried in debt and had no idea how I would ever get out of it. Within a short 4 months I was able to become completely debt free by settling with a lump sum settlement. I went from $21,000 in debt to settling it for only $6,500! I will never forget that day as I felt like a huge weight had been lifted off me! Today I am happy to say that I am not only still debt free, but I have learned how to manage money and save. I have been rebuilding my credit over the last year and a half and will be looking to buy my first home soon. I feel so thankful for Blair’s help along this journey and don’t know where I would be today financially if it weren’t for him.

Before I returned back to 4 Pillars after my first contact with them about 2 years ago, I tried other companies for help, only to end up where I was without any changes but rather lost more money and with a lots of headaches and anxieties about all my unsecured loans. I later remember my first contact with John & Jennifer, their warm & cordial reception, that actually made me to return back to 4 Pillars, I am so glad I did because all my unsecured loan was significantly reduced!

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

Nothing really, we found ****** to be very business-like as well as being humorous at times. I don’t *** what is said because I really did not think that we would be as satisfied as *****. Feel free to call me anytime. Terry.

Great service, very thorough and personalized. They do plenty of follow up and support as well they provide you with a number of tools to help you achieve and maintain your goal. Provided me with a variety of solutions, but ultimately recommended what would be best in the long run.These guys are the real thing. I would recommend them to my friends.

4 Pillars handles everything in a professional, caring and confidential way

Debt reduced from $8,500 to $3,500
Paid $3,500 lump sum

4 Pillars is an amazing debt consulting company that handles everything right from the get go in a professional, caring and confidential way. I was very comfortable through the whole process and extremely happy with the outcome of Blair’s efforts and hard work. Thank you for helping me start a new life!

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

None at all, amazing job. I can’t say enough about 4Pillars. Adrian at the Peterborough branch is great and very understanding. He is very clear and knows his stuff. Thanks again Adrian!! Ken.

Thanks a lot for the great help you’ve done for me, now I already have peace of mind. God is good he made a way how I found your company. Your employees were all nice & accommodating. Again thank you & more powers!!!!

I am now completely debt free due to Blair’s expertise

Debt reduced from $38,000 to $7,000
Paid $7,000 lump sum

I am writing this letter on behalf of my consultant, Mr. Blair Greenwood of 4 Pillars. I was experiencing a serious debt problem which was spiralling out of control when I had the good fortune to come across Mr.Greenwood’s business card at a local establishment. I called Blair Greenwood and we arranged a meeting. Following our initial talk, Blair laid out all the options for resolving the issue and we made a decision that was the correct one. Blair also kept me updated as to the progress of the settlement. Blair worked very hard to resolve my difficult situation and save me the maximum amount of money. My case was disposed of quite quickly, and at reasonable cost to my full satisfaction and I am now completely debt free due to Blair’s expertise. Blair also continues with follow up calls, and definitely shows ongoing interest in his clients. Therefore, I would highly recommend Mr. Greenwood to those who have debt problems and need a professional advisor.

Dear Jennifer and John, My husband and I wish to thank you, for providing a workable plan to lift this tremendous financial burden off our shoulders. Disaster struck when our retirement funds disappeared at the same time our business services became obsolete, effectively putting us out of business. Being in our seventies time was not on our side and having been put out of business sealed our fate. We had no way to recover. Worry, anxiety, and despair took it’s toll. The only option, or so we were lead to believe, was to declare bankruptcy. That was not an option we wanted to pursue, and as it turned out we couldn’t. 2013 and the following six months were very depressing. Despair had taken a firm hold on both of us, that’s when the health issues became a concern. A dear friend suggested that 4 Pillars, perhaps, could help us with our financial situation. I must say we, no I, was very skeptical, having been conditioned to believe it was hopeless! None the less we made an appointment with John Croft at 4 Pillars at the end of August. John was very thorough, understanding and appreciative of our situation and presented us with a plan to resolve the problem. I was so fearful that I still wasn’t convinced! But when we could no longer meet our financial obligations, I relented and we decided to take John up on his offer to help us. It was about 2 weeks after John made the offer to our creditors that I noticed that I was actually relaxed… inside! I was calm and at ease! Amazing! BONUS: This week my Dr. told me my blood pressure is back to normal, after over two years of being out of control! We cannot thank you enough John, for providing the light at the end of a very long, dark and frightening tunnel.

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

More toys for kids. It’s amazing, I feel so much weight off my back. Adrian is great. Rick.

If not for you I really do not know how my life will be. You may a difference in every person’s life. Thank you so much for helping in every way possible.

I thought this opportunity seemed too good to be true

Debt reduced from $71,000 to $19,500
$325/month for 60 months at 0% interest

I am writing to share with you my tremendous sense of relief and empowerment. Working with you to process my Consumer Proposal was a delight. You were always there to answer my questions in a way that I could understand and I am still in awe of how available you always were. Prompt responses with easy to use information.

I did a lot of investigative work to ensure that you and 4 Pillars had credibility because I thought this opportunity seemed too good to be true. I now know that this is legal process overseen by the government and it was important to have my own representation.

It is so great to know that I am now on the path to having the financial freedom to enjoy life. My payments are easy to manage but the peace of mind is really the fantastic part. I am no longer worried and behind all of the time.

Thank you so much for all you have done for me Blair!

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

Give us a better credit card. The Affirm Card is making it difficult to obtain a second account. Writing a letter and mailing it to the USA is not good. A friend referred us to 4Pillars Consulting Group and I am so glad she did, after the first phone call, I felt so relieved. Both my husband and I said 4Pillars are the best ones to get help after phone calls, e-mails, and trips from Peterborough to Toronto. We have a plan and will be free in five years.

This has been a difficult time in my life and I felt ashamed that I was struggling 4 Pillars never made any judgements and made me feel total comfortable and at ease . Thank you so much for all of your help !

My worries are over

Debt reduced from $24,000 to $6,000
$100/month for 60 months at 0% interest

I was feeling like I had nowhere to go, I was financially drowning. Working with Blair, my worries are now over. At no time did he ever make me feel ashamed for the position I was in. Blair was very personable and made the whole process that much easier. He saved me and I am very grateful for his financial services.

Thanks again Blair!
You ROCK!

I was really worried and stress how to cope up my bills payments. Until I got an email from 4 Pillars which I did not hesitate to book an appointment right away. When I arrived at the office I was greeted with a warm welcome in our dialect with Jennifer so I felt at ease and comfortable. And all of them are approachable with a smiling faces. Now my proposal was approved I’m happy and have peace of mind. No more worries and stress free. So I’m very grateful and very thankful for the great help solving my financial problems. Words can’t even express my feelings. And I can save now for my holidays next year visiting my families. Thanks again to Jennifer, Anna and all staff at 4 Pillars.

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

Once your client, all is great. In terms of you obtaining more business, holding workshops at retreats, conferences etc. would helpful to potential clients who don’t know these options. Adrian and his team are reassuring and willing to go to great lengths to understand and accommodate individual circumstances. Adrian took a lot of the shame and guilt out of the process. Dawn.

We are very impressed with the respect and client care that you provided. Not ever doing something like this before, we were kind of scared but you put our mind at ease and made us feel that we are making the right choice!

It was a pleasure working with Blair

Debt reduced from $17,700 to $8,400
$140/month for 60 months at 0% interest

I have felt nothing but excellent response to the total experience of going through my financial situation. Blair has explained everything clearly, kept me up to date, and has made me feel comfortable in understanding everything. It has been a pleasure working with Blair.

I just wanted to thank you for all your hard work and help. I have felt like a great burden had been lifted from my shoulders and heart. I smile and laugh more freely I am enjoying life with my family . I will recommend 4Pillars to anyone that I know who needs help.

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

None. I feel a lot better, sleep at night. My worry is resolved, my anxiety is way down. I am glad I got in touch with 4Pillars. Charles.

Thank you very much for helping our family. You’ve helped us out so much. Words cannot explain how thankful I am for your help. Without your help, my life would’ve not changed so much. Keep your good work. I hope you help more people like us. Thank you for your good service. God bless!

The service and advice I received was way more than I expected

Debt reduced from $18,000 to $6,600
$110/month for 60 months at 0% interest

The service and advice I received was way more than I expected. Any question I had was answered in a very timely manner. Blair handled every detail with utmost professionalism, kindness, consideration and was very patient.

Blair answered all of my questions thoroughly and never once made me feel as though I was a failure for filing a proposal. From the moment we started to work together right up until now, my mind was at ease and I am so happy to have reached the end of one road and the start of another.

I have recommended you to others I have encountered in my position and want to once again thank you for helping me get my life (and finances) back in shape.

Thank You for getting me through this difficult time in my life.

My husband lost his job from oil and gas company in Oct 2014 until present. I was pregnant with our first child and had difficulties in pregnancy, the reason why I worked as casual. I have no EI as well as my husband (he worked Contractual). It’s been a tough time for us waking up everyday and worrying how to pay our mortgage, car loan, credit card and CRA. Until one time my friend recommended 4Pillars and also it appeared on my FB. Until June 2015 we set an appointment. The staff are very accommodating. You will not feel offended by them in how they handle to answer all the sensitive questions, especially me with postpartum. After all the meetings we finally get approved. My husband is paying $250 a month and me $80 a month for 5 years with no interest. What a relief for my family and a brand new start with our little one. 4Pillars changed our life. Thank you Anna, Hannah, Jen and John for helping my family.

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

Nothing. Excellent all around. I would not hesitate to recommend 4Pillars **** to anyone. David.ld not hesitate to recommend 4Pillars **** to anyone. David.

I was treated with respect and sensitivity. My advisor was genuine and kind. I would recommend this office to anyone who was in need.

I would not be where I am today if it wasn’t for Blair

Debt reduced from $26,600 to $8,100
$135/month for 60 months at 0% interest

It is always a scary step knowing that you need to make changes regarding your financial challenges! It was for me! I am so grateful to have found Blair! He is a person that you can trust. He is dedicated and eased my mind with his expertise and compassion! I would not be where I am today if it wasn’t for Blair. There should be more people like you in the debt industry! Thank you Blair!

After seeing an online ad for 4 Pillars Consulting Group and having read their clients’ positive testimonials, I decided to call them. I knew that I desperately needed help with my financial nightmare, and I tried other avenues that didn’t help, so I thought I’d at least call them. It was a fantastic decision. I spoke with Sonia Oliviera on the telephone, and she invited me to come to her office for a consultation. I did go, and found Sonia to be very helpful, with a friendly and professional approach. I came to Sonia after having spent the last couple of years trying to fix my personal and business debt loads on my own, without having any success at all. My debts were spiralling out of control, and interest charges plus persistent calls, texts, and letters from my creditors were making my life very tough. I actually did seek professional advice from four previous sources, but only one was partway able to help me, and yet they were not very easy to work with or to reach. Still, I would’ve used them, because they were the best I’d come across thus far, that is, until I found Sonia. Sonia was different, because she treated me like a client who was also a person. She treated me like a priority. I felt very poorly about myself due to my situation. I was stressed and intimidated by my creditors, and I was living with the stigma of carrying a high debt load. Sonia nicely yet firmly told me on a couple of occasions to relax, because I had given control of my situation to her, and that she would help. She understood what this was doing to me, and she effectively helped me. She made me realize that my debt wasn’t what identified me as a person, and she also helped me with my finances. Sonia has integrity, and even though she is busy helping other clients, she still finds time to return e-mails and telephone calls in a timely manner, which my other prospective organization wasn’t always able to do. Sonia works with me and for me, so I finally listened to her advice to stop negotiating with my creditors, and to let her handle them for me. Her advice worked. Sonia worked hard to negotiate a workable solution to my financial predicament, and she is still there for me to offer further financial guidance as I need it. I am not just released from the stress of debt, but I am continuously learning, through 4 Pillars, to recognize the patterns that drove me to this situation, and to prevent the same thing from happening to me again. As I write this testimonial, I feel like I am one of the many 4 Pillars success stories that I originally read about. I thought I’d be able to fix my problem, but I couldn’t do so without Sonia’s professional help. Thank you Sonia and 4 Pillars for treating my financial situation with respect. Thank you Sonia for convincing me to stop stressing about my creditors, and to let you handle everything on my behalf. You do so very well. I definitely recommend you Sonia to anyone needing a financial life revival.

I know I am on the right financial path because of 4Pillars!

I wish I had done this sooner

Debt reduced from $50,000 to $14,500
$250/month for 58 months at 0% interest

I love 4 Pillars. I wish I had done this sooner. Blair walked me through every stage, making sure I completely understood everything. If I had any questions, Blair responded very quickly and made sure I was clear about everything. I felt supported the whole time and would recommend anyone needing financial assistance or options you need to work with Blair at 4 Pillars.

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?”

Adrian professionally handled my credit situation and restored my faith in getting control of it. My financial stress has been extremely reduced. I am very pleased by the service provided by Adrian. Angie.

Thank you from the bottom of my heart! I will not forget you 4 Pillars!

I walked out of my meeting with 4 Pillars St. John’s a new man. For the first time ever I could imagine a real future for myself. In less than an hour Paula and Christine lifted the weight of the world off my shoulders. They showed me how they would reduce and eliminate my debt including options that would work for a guy like me. And best of all, I will be debt free in less than 5 years! They’ve even helped me create a livable budget. 4 Pillars St. John’s has changed my life.

You were there every step of the way

Jim, you were so helpful. You were there every step of the way and did everything possible to help. You were very professional and courteous and cared enough to assist us back to a healthier financial existence. It has changed our lives forever.