A dream come true! A enormous help, easy, very friendly and didn’t make us feel like we were failers for getting into debt. There was light at the end of the tunnel for us! Thank you Geordie.

I would like to thank you very much for helping me in this matter. It helps me a lot to survive… And to have a new hopes in life…

Things are slowly getting better. You helped us over the worst of things. Can’t thank you enough for listening & being so supportive Cheryl

She took my debt from $32,000 to $9,600

Before I called Jennifer I was up to my neck in debt. Not really understanding the true value of money and it’s worth made it very easy to rack up credit card debt. I got a second job and was struggling trying to pay over $700 monthly just making the minimum payments. After spending over a year stressed and tired from working 60 hours a week I was referred to Jennifer Croft by a friend who was also helped by 4Pillars. I explained my situation to Jennifer and she immediately took action! She took my debt from $32,000 to $9,600. My experience with Jennifer was amazing!! She was very understandable and knowledgeable and was always available any time I had questions. Instead of paying over $700 per month towards my debt I now pay $160. I’ve been able to quit my second job and actually start saving money. Doing a proposal with Jennifer Croft was the smartest choice I’ve made.

Geordie made this process as painless as possible. Made me feel confident that things would work out. Did not critize me for my debt situation. My health has improved dramatically.

I did not have a lot of debt, but what I did have had to be dealt with before I could move on in a new career that I had chosen. Thanks to 4 Pillars for guiding me in the right direction and helping me find a solution.

Thank you for helping us when we thought we had no one to turn to. You have showed us we are not alone. Thank you. Ken & Kim

Highly Recommended!

When I first thought about trying to get rid of my debt, the thought was overwhelming and embarrassing. I felt so lost & confused about where to even start that I usually just said forget it. When I came across 4 Pillars I was intrigued. When I met with Jennifer and she talked me through the process that was best for me I felt like there was hope. Before I even made my final decision to proceed there was a weight lifted off my shoulders. Now that my debt is gone, and my credit has hope for improvement. I am so happy that I decided to work with 4 Pillars & Jennifer. They made the process easy, and more importantly they took the embarrassment away! I HIGHLY recommend them! And I encourage anyone on the fence about using their services to jump off and just do it, you’ll be so glad you did!

We were having some financial problems didn’t know what to do or who to talk to. So my wife was friends with someone that knew Robert and said we should talk to him that he could help us. So we went to him. He has helped us get our financial situation on track. He has helped us also with proper budgeting which has helped us a lot.

Words cannot begin to express how much I appreciate the professional counselling I received from you! Your caring and considerate manner in helping me with my financial difficulty, has been a real blessing to me. Thanks for all you have done to help.

Facing huge personal losses

My name is Patricia and I was a client of 4 Pillars Calgary in 2012. I was referred by my accountant Rob as he saw all my expense and the struggle I was going through to keep my head above water. I was very nervous going as I never been in this situation of financial debt. With all I have been through in my life from divorce and losing my business, and family passing,I thought life couldn’t get better. Then I meet John and his beautiful wife Jen and not only did they make me feel better that life goes on and will get better they treated me like I was family. I have been discharged as of may of 2013 and slowly but surely I m on my way to the top. I’m so grateful for them and what they did for me, and tell anyone I know, and those who are afraid like me there is help for financial debt, with John and Jen your not alone there with you every step of the way. Thank you so much!

We would like to extend our appreciation for your unwavering ability and professionalism at this trying time for us. I would highly recommend 4 Pillars to anyone.

Adrian, I’m not certain if it ever occurs to you that on some days you are actually an “instrument in the hands of God”! Well, I am here to give you confirmation of it! I also know in the great scheme of things that when you bless one of His children, it will only come back on you in a double portion of blessing…..this makes me happy, because in myself I cannot repay you for what you have done for me. I can only give you a heart-felt Thank you!

This is a great big thank you to Bob and his staff at 4 Pillars. He took what seemed to me an overwhelming task and made it straightforward and easy to comprehend. Bob had an extreme amount of patience and answered any enquiry I had and although it took awhile for me to come to terms with dealing with my debt, I finally took the plunge and my stress and anxiety lifted immediately. All I can say is a super Big Thank You for helping me with what seemed like a daunting and difficult task. I would highly recommend Bob and 4 Pillars to anyone who is facing the same situation.

4 Pillars explained all our options in an easy to understand way. Thanks to their expertise and knowledge, restructuring our debt was easy.

Myles Thank you so much for your accurate and speedy work for us. We wish you and your family the best for your future. Linda & Dave.

We were $62,000 in debt, down one income and in financial trouble. 4 Pillars helped us with our creditors and they were able to get our debt down to $19,500. Our payments are manageable and 4 Pillars assisted us even after we settled. They were always professional and offered great advice! I would recommend 4 Pillars to anyone who finds themselves in financial difficulty.

Try them, you won’t be disappointed

During the summer of 2013, I contacted Jennifer Croft at 4 Pillars to discuss my financial situation. I was convinced my situation was bleak. I was seriously considering A: declaring bankruptcy, or B: leaving Canada for at least the next ten years. Jennifer assured me that where ever there is a problem, there is always a solution. She assured me that her husband John and her could, given some time, find a solution to my financial issues. She was telling the truth. She was not lying. She was able to put together a financial plan that was rational, practical, and above all else, realistic and attainable. That they delivered on that promise. They made a plan for me, and executed it. They really help me get my financial life back in order and I am living like a normal person again. Jennifer and John at 4 Pillars Calgary: Honesty, clarity, respectable at all times. I suggest them often. Use them if you must. You won’t be disappointed!

We were shocked how simple it was to dramatically reduce our debt. I don’t know where we would be without 4 Pillars.

Your caring ways make you the right person for your position as a turnaround consultant. Thank you for making my dream come true with your help after 5months. I never thought it would happen, but I purchased my 2008 Honda VTX 1300. All without a co-signer. A million Thanks! Sylvia.

I am so grateful to Bob Hauck and 4 Pillars Consulting. I heard about the service from a friend and decided to check it out. I’m so glad I did as my circumstances changed rapidly during the process and Bob was able to accommodate these issues quickly and efficiently. I was also on a tight timeline as I was relocating and Bob and his team made sure ever “I” was dotted and every “T” crossed to ensure my proposal and credit counselling could be completed remotely. Without the help of Bob and his team, I’m not sure how I would have been able to handle these issues and I’m greatly looking forward to being a client for life and learning how to manage my finances properly with the credit counselling I will be receiving. I fondly refer to him as my financial guardian angel!! I can’t thank you enough for your help Bob and 4 Pillars for helping people understand there are ways to cope with and manage the financial hardships life sometimes throws at us and that we can come back out on top.

Your Credit Rebuilding Worked

I met someone that I allowed to con me financially and put my credit rating in the toilet. I found John and Jennifer and they coached me into re-building my credit and regain my self respect. Through them I was able to start repaying my creditors and avoid bankruptcy. I have been able to increase my payments so I can chop a few months off! I have learned many lessons along the way and I feel very positive about my future I have an enormous amount of gratitude to John and Jennifer for all their support and I appreciate their non judgemental attitude and encouragement. Thank you so much for the difference you have made in my life!

Trevor Glasser has been excellent for me in all ways. When I started with him, I was so depressed, could not get my mind out of the Debt problem, the bills and threatening letters coming in, and the phone calls every 5 minutes. My wife recommended him to me, he was very professional, caring and relaxed me, and we went in with a plan. Now with his excellent work, telephone calls have sopped, no more bills and no telephone calls. Proposal went through, and now with his planning I am on a budget, with no worries and can move on with my life. I highly recommend Trevor and 4 Pillars to anyone with debt problems. His forst consultation is free and he will review all your options. Thank you so much Trevor for all your help, you have saved my life

Adrian, It has been almost a year since we sat down and you helped me Turn my financial troubles a complete 3600 I never imagined my life would turn around that quickly. I felt that I would be stuck forever, with your help, you have truly given me a new life. For that I can’t thank you enough. If it wasn’t for you I would not have what I have today. My second chance at happiness. As well as my kids future. Thank you

Dealing with past debt was a very high-pressure time for us, mostly the ‘not knowing’ what might happen. So many options and lots of conflicting information. Bob took us through each process step by step and greatly helped to reduce the worry. He gave unbiased opinions on each, and helped us make the right decision on dealing with my debt; the outcome was better than we could have hoped for. Sincerest thanks to Bob for his professional help and personal courtesy during this time. Thanks again Bob!

Wish I Had Called Sooner

I do tell all the people that are close to me that I am so glad I found you. And I tell people that I think could benefit from your services to contact you. MY ONLY REGRET IS NOT COMING IN TO SEE YOU SOONER!!! I suffered for so many years but the process was painless and enlightening. I am no longer embarrassed for what happened and starting over isn’t as awful as I thought it was going to be. Thank you John – your professionalism saved my life and allowed me to continue to provide for my son.

Adrian & Myles Everything is running much smoother now thank to you both. So glad you were recommended & we got to meet, my worries are behind me now. Sending a big motherly hug with my smile. (Ok! I know! I look like a butterfly,) but a grateful one! All the best

Friendly Staff at 4 Pillars Calgary

It is difficult to meet people as caring and understanding as John & Jennifer Croft at 4 Pillars Calgary. During such a difficult and daunting time, their ability to educate and willingness to provide sound advice was paramount to my ability to move forward. This combined with a welcoming staff and accepting atmosphere made a very difficult situation quite manageable and somewhat relieving. On a personal note, John and Jennifer are an inspiration and treat their clients as a family, which was refreshing and sets a standard that any organization could learn from. Thank you both very much for developing a solution that was suited to my circumstances and especially for continuing to walk with me, at my pace, along the way. Your Friend, Will

Thank you so much Adrian

We are sending this note to thank you for how our lives have turned around since you and 4 Pillars assisted us with our debt burden. We can breathe a lot easier and no longer are chasing debt. We could not have done this ourselves. Since our early contact, Bob has been great. We now do not live above our means and we have savings. We are gearing up for retirement. We strongly recommend 4 Pillars and Bob Hauck to anyone seeking debt relief.

Personal Support Regarding Financial Difficulties

I would like to send my big thank you for the awesome help I have received from you personally and the rest of your staff. I must admit that i was hesitant at first, but after thoroughly reading info from your website and listening to your convincing video ad , I would have to say I took the first step because of that. From day one being unsure of what to expect to the day the proposal was signed, I was more than happy with the personal service I received. It is the best choice I have done so far in regards to personal financing.The relief I now have knowing that I do not have to deal with stressful financial obligations, but instead steady worry free payments. Thank you so much! It wasn’t easy to accept this is happening but YOU made everything ok for me and my family. I wish you the best in your profession, I know that your being a beautiful person inside and out will take you to helping more people in need.

Dear Adrian, Thank you for all your help Bonney & Alonso.

I would highly recommend Bob to assist you through your challenging financial situation. He is outstanding, compassionate and professional. He and his team worked very hard at ensuring our small business and personal debt load was taken care of in a timely manner. This process has been life changing for both me and my husband.

Family Health Problems Fixed

I would like to start by saying how grateful I am for having met Jennifer and John Croft, along with everybody at 4 Pillars Calgary. Just a few months ago my family was in deep debt and I was extremely stressed, I felt desperate and hopeless. I kept hearing the word bankruptcy and it made me feel terrified. Our circumstances were delicate because of my daughter’s health. She had been born premature and had to be hospitalized for almost a year. Once she came home, she had a tracheostomy and was put on oxygen so she required 24/7 care. I wasn’t able to go back to work full time so we relied on my husband’s sole income for almost 3 years. This put us in a very complicated financial situation. This all changed the minute I spoke to John and Jennifer Croft. They immediately made me feel like there was hope and gave me a sense of relief. They offered me great advice and showed me how to manage my debt in the best way possible for my family. Not once did they made me feel bad or guilty about my debt, instead they made me feel understood and they offered my financial counselling that allowed my family not only to manage our debt in a healthy manner but also to manage our budget wisely. John and Jennifer Croft are incredible knowledgeable and generous people that treated me with humanity and kindness. I cannot say enough about them. I am forever grateful for all their help. Thanks to them my family is now in a healthy route to financial balance. Thank you!

Adrian We are so thankful for your support through our troubled times. It comforts us to know there are such caring people in the world today. We have passed your good name around so hope your future is as bright as you have made ours Linda & Dave.

Thank you for alleviating me of the debt and stress of my life. Bob you are a pleasure to work with. You are easy going and very thorough and informative. As a small business owner, 4 Pillars has allowed me to focus on the growth of my business instead of my financial situation and my debt. Thank you for changing my life!

Dear Adrian What would we have done without you! Thank you for everything

I was buried and at my wits end with multiple companies threatening to garnish my wages. I was barely making ends meet as it was. Bob helped me stop the garnishes while working to get me set up on a better financial path. Very professional!