Thank you so much Trevor for helping my husband and I to get control over our finances. We didn’t know where to turn for help and even when we first met with you, we were still a little unsure as to whether you would be able to help us with our debt or not. For us, realizing that our debt was out of control and taking that first step to contact you was very difficult for us. We certainly are glad that we did use your services and that you were able to reduce our debt from $97,000 to $32,400. WOW! Who would have imagined that? Not me. Thank you again. We highly recommend you to others who might find themselves in the same or similar situation that we were in. Sincerely, B.M.

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

I cannot think of one improvement. Your service is the best! Firstly I have to thank the powers that be that directed me to 4 pillars and Adrian Moore. As soon as I met with Adrian I knew I was in good hands and had come to the right place. Adrian and 4 pillars are all that they say and more. Respectful, professional, knowledgeable and non-judgemental. Never too busy to answer my many calls. I was over $100,000 in unsecured debt. Adrian was able to have my debt reduced with a one-time payment. I am now debt free and he is still helping me with budget counselling and directing me on how to start rebuilding my credit score. I would recommend Adrian and 4 pillars to anyone who finds themselves in need of help with their debt management Thanks to Adrian from the bottom of my heart Lorraine

Reduced my debt from $52,000 to $8,400

I was in debt by approximately $52,000.00. I was losing sleep at night worrying about all my bills, I was stressed a lot and sometimes I had trouble focusing at work. When I sat down with Jennifer, I was greeted with a smile. She explained different options that were available to me and showed me what she can do. I chose to hire her to restructure my debt down to $8,400. My one low monthly payment is now just $150 with 0% interest, and I have already started to rebuild my credit through her credit rebuilding program. Jennifer’s kindness and thoughtfulness was way above my expectations and the manner in which she represented not only herself but the business she carried was very professional. Because of Jennifer, I am dealing with my debt with her help. I am less stressed and I am more knowledgeable about my financial options. I am sleeping better and I am a happier person. Dear Jennifer, thank you so much for helping me with my problems!

Dear Trevor: Please feel free to use our testimony We are pleased to endorse 4 Pillars consulting Group and consultant Trevor Glasser. We phoned Trevor in August/09 following up on an advertisement for 4 pillars Consulting Group because of our concern of our finances. We had continually gone behind in our finances to a point where we had become desperate. Our credit card debt was now out of control. Our phone call to Trevor led to an interview where our options were explained to us but more importantly Trevor showed a sincere concern to help us. All credit card were destroyed and Trevor looked after all correspondence to our creditors. We did not deal with any of our creditors nor did we receive any telephone calls from them. Trevor was able to reduce our indebtedness by 67% and no interest was charged on our balance. We have been able to reduce our remaining debt each month. Our financial circumstances are now under control and although we are on a strict budget, Trevor and 4 Pillars Consulting Group have taken the stress and worry away. We heartily thank Trevor for all his assistance and help. Yours Truly, S&G

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

Needs no improvement This service was excellent. Straight to the point with complete understanding. Felt more like a friendly talk than a client relationship. Thanks 4 pillars (Adrian) for your help.

How do I thank you for the peace of mind you have provided me? No more creditor calls, no more collections and my credit rating is on the way to mending. Fantastic!! I would highly recommend you to anyone with debt issues.

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.

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

Thank you Chris, you made what seemed impossible come true. Being out of debt is an incredible feeling. I now have positive cash flow. I haven’t seen that in a very long time.

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?”

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

Debt gave me a nervous breakdown

Before contacting 4 Pillars, we were in deep financial trouble, debts we couldn’t get control of, collectors we couldn’t stop from calling us at work and at home all day long. We were ready to lose whatever we had, including our minds. I had nervous breakdowns from a lack of sleep; even our marriage and work life was affected. Today we may not be completely debt free but we would like to THANK YOU in making our life easier, stress free and manageable. The opportunities we have now are incredible. Hardip Chaudhry, our consultant, is amazing; she explained everything in great detail and put our minds at ease about restructuring our debts & finances. She told us in three weeks all the collection calls would stop and everything would be fine. And it is TRUE! We highly recommend 4 Pillars to anyone and we wish we did it sooner because it really works.

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?”

“Free coffee” Nothing to say everything went well Shag

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

Everything seemed too good to be true

After years of struggling with debt, I finally decided to contact Hardip Chaudhry of 4 Pillars to help me find a financial solution. I was so apprehensive because everything I read seemed too good to be true. I was so stressed out because of my financial situation and I felt ashamed, that I was unable to meet my obligations. I met Hardip in her office. She set my mind at ease and she made the process so easy explaining what it would take. There were no unexpected surprises and she handled my case in a professional manner. My only regret is that I did not seek help sooner. If anyone confided in me that they were struggling financially I would highly recommend Hardip Chaudhry.

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

Reduced my debt from $60,000 down to $31,500

Before I went to Hardip Chaudhry at 4 Pillars, I was lost and extremely stressed about the debt I was in. I was in debt for approx. $60,000 and was struggling to pay even the minimum payments on my credit cards. I thought my life would be a struggle as long as I was to live. Hardip provided me with a free consultation and explained that she could reduce my debt significantly. Not only that, but I would pay it back at 0 percent interest! I thought it was too good to be true and was hesitant at first. I was wise, however, and gave her a chance. Amazingly, she was able to reduce my debt to $31500 at $525 per month for 5 years! I am so grateful and my stress was gone. Not only that, but she is helping me rebuild my credit, get a credit card again, and buy a home in the future. The service I received at 4 Pillars was amazing and Hardip deserves so much credit for helping people like myself. It can work for you too and it is not too good to be true! My debt is now manageable and my biggest debt is to Hardip for all her help!

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?”

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

Rescued me from a disastrous outcome

My experience with Navaiz Chaudhry at 4Pillars has been life altering. Essentially I was financially destitute due to a business failure. The consistent worry played havoc with my self-esteem. I was candid with 4 Pillars, who exercised empathy, professionalism and an unequivocal determination to resolve my financial issues. I would not hesitate to refer Navaiz at 4 Pillars to any of my friends, family or colleagues. He is directly responsible for rescuing me from a disastrous outcome.

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

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

Reduced my debt from $20,000 down to $6,300

I was struggling to pay my bills every month and was very stressed out. I didn’t know what to do or who to turn to for help. It seemed to be a vicious cycle; paying my credit card bills and then turning around and charging them again every month just to get by, but never getting ahead. I saw an advertisement for 4 Pillars Consulting Group and booked an appointment with Navaiz at his Surrey office. I’m so glad I did! Navaiz helped reduce my debt from $20,000 down to $6,300. Now, I only have one affordable monthly payment, my stress is gone and I finally feel like I have my life back. If you are facing financial problems, I would highly recommend you call 4 Pillars to see what they can do for your situation.

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!

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

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.

We will be debt free in 5 years

My husband and I recently suffered a large financial loss from our business due to cutbacks and the recession. In order to keep the business afloat we used personal credit cards and lines of credit which eventually put us heavily in debt. The more attempts we made the higher our debt climbed. Finally, when we could no longer sustain the business, we had no choice but to close our doors and walk away. Unfortunately, our personal debt followed us. Our situation was so bad that it had negatively impacted our marriage, work life and family. We were getting calls from creditors and collection agencies and thought there was no way to get out of the mess. A friend of ours recommended Hardip Chaudhry of 4 Pillars Consulting Group to us and we immediately seeked her out for advice. As soon as we walked through the doors, Hardip set our minds at ease by reviewing our options and letting us know that she could help us. After a considerable amount of work on our file, Hardip was able to successfully negotiate an affordable payment plan with no interest with our creditors. We were amazed at how much she had reduced our original debt amount. What we originally thought would take us a lifetime to clear will now only take 5 years. Thank you very much Hardip for the excellent service and the hard work you put into making it work for us! I only wished we knew about you earlier so that we wouldn’t have injected all this money into the business in attempts to recover more funds. Now we have less stress and there are no more creditor phone calls! Yay!

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.

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

My debt was reduced from $83,000 down to $25,000

Hardip Chaudhry has been very professional and courteous throughout the entire process. I did not want to file bankruptcy. With Hardip’s help, I was able to get into an affordable payment plan to clear my debt which was reduced from $83,000 down to $25,000. I am now able to get on with my life and start planning for a happier, more enjoyable future. And that future includes buying a home! Thanks so much Hardip for your help!! My only regret is not having reached out for help sooner.

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?”

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

I was in an overwhelming financial situation and needed help so badly. I turned to 4 Pillars when one of my friends recommeded it. It has been life changing after that thanks to Jennifer and Martin.

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 you do a great job! Thank you so much for your help I don’t know what I would have done without you!

With 4 Pillars help with my debt I can sleep properly now, less stress and I can spend more time with my kids. As a couple we don’t fight about money anymore and we learned to spend the money wisely.

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.