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 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.

As someone who spent most of their adult life in credit card debt I can tell you wishing the problem away doesn’t help. As long as I was able to make my minimum payments I didn’t think there was a problem. As my debt grew my sense of personal freedom declined and the enormity of the situation began to weigh down on me. When I lost my job I knew I wouldn’t be able to make my payments but the thought of going bankrupt scared me. That’s when I called Jennifer Virani of 4 Pillars. She immediately put me at ease and showed me other options that would work for me. By the end of our first meeting I knew I’d made the right call. The blame and shame I carried with my debt load was lifted and for the first time in a long time I felt positive about my future. Jennifer has been incredibly supportive and she has worked tirelessly to help lessen my debt. She helped lift the weight of the world off my shoulders and she is now helping me rebuild my credit. I cannot recommend Jennifer and the team at 4 Pillars Debt Solutions strongly enough. If your debt is ruling your life you owe it to yourself to call Jennifer. I’m glad I did.

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.

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

I am very much happy that it came up to less than 60% now of my debt. Now it is much easier for me to pay less than the minimum payment

Barbara is awesome helps in so many ways, highly recommend 4 pillars if your going through huge debt issues that are taking over your life and drowning you

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

I am very happy because my big debt is now manageable. I just wanted to get rid of the interest on my credit cards. And Boom! 4 Pillars solved my problem. Before it was painful to check my accounts and now I am doing better things with our money.

Had a wonderful conversation with Barbara Sergius from 4 Pillars Fraser Valley – BC’s Debt Diva. If you have exhausted all your debt restructuring options via bank loans or just feeling super overwhelmed with debts, please give me a call for a referral or to discuss another option with this company. I was bankrupt 15 years ago and I wish there were programs available to help me back then. 778-298-7989

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.

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.

I’m really happy with the service they provided (4 Pillars) especially North Vancouver. My debt really get off my back fast. They really support me until the last of it. I’m really satisfify.

I want to be honest, authentic and accountable. Since January we have lost over 1100$ a month in income. This makes us short 600$/mth. 1/2 was when the child I was doing Daycare for no longer required it and the other is that we are no longer having tenants in our suite. Kevin’s job is also on the rocks, they have some orders for different types of tanks to weld, but they are laying off guys every week. I am grateful we buckled down and paid off all of our credit cards, and I did debt consolidation with 4 Pillars Fraser Valley – BC’s Debt Diva, this was the best thing I could’ve ever done. And I highly recommend her. I have a few Life Flows – Passion Purpose & Pleasure clients, which I am grateful beyond belief for, not just for the money, but because I have supported them in significantly changing their entire lives. If I can ask for your support by sharing and liking content I post on my Life Flows page IF it supports you in your life. Or when I post it to my personal page. If you know someone in emotional pain/suffering or who wants to take their life to the next level who could use my services, please refer me. Also I am selling Usborne books. These are beautiful, sustainably made books of all kinds for kids from 0-14 years old. Sticker books, maze books, reading books, activity books, chapter books, homeschooling books. If I go back to regular work full time, It won’t even cover the cost of daycare and bus fare. My heart soars when I support people in living and loving their lives. Not when I sell them a pair of shoes. If you want amazing children’s books, please buy from me and not the stores. If you want to dramatically improve your quality of your life, book a COMPLIMENTARY session with me lifeflowsconsulting@gmail.com. I have client reviews that you can check on. Most of my clients are very open to giving feedback. If you are a paying client, and refer a new client who books a session, you both receive 25% of your next session ( this works really awesome with couples). If the person you refer cannot pay for a session due to extreme financial duress, there are options I can discuss with them, I want to support everyone. My heart soars when I support people in living and loving their lives. Not when I sell them a pair of shoes. When someone tells me their doctor told them they no longer need their anti depressants, or they found the partner they were searching for or their business becomes overwhelmingly successful I have served life purpose through my actions. I know many of us our strapped for cash these days, and if you don’t have any, I totally get that. Referrals, likes and share’s would be amazing, but only do it if you really believe in who I am and what I do. Thank you, from my heart, my being and my family.

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

I’m really thankful for coming across Jennifer because even from our first conversation, it seemed my case didn’t qualify but she kept working on it to find a debt restructuring solution. She found a way to help me out.

Barb is such a wonderful person to assist you with your debt. She is compassionate and empathetic and you will never feel judged. Her experience and professionalism make the process so smooth. Her passion for helping her clients achieve success is demonstrated at each meeting. Call barb if you are struggling and don’t know where to turn, this is the best step you can take!!

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

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.

4 Pillars helped 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 have learned to spend it more wisely.

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

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!

I was starting to flounder in debt and didn’t know where to go when I found you online. Despite certain obstacles I was able to get the ball rolling. Now I can spend time with the kids without worry that something is gonna cause a problem. Makes it so I can focus on the family not the money situation.

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!

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

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!

Best decision I ever made. I don’t worry about not having enough money to pay my bills. Jennifer was very helpful and professional through the whole process I have learned alot about saving and spending.

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.

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

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

Blair Greenwood of 4 Pillars has been absolutely fantastic throughout the whole proposal process. My options were clearly explained to me and I was very delighted how easy and straightforward they made it. Blair was very effective and efficient as the whole process was completed and signed within 8 weeks of my initial phone call. I felt like a huge weight has been lifted from my shoulders. I am a true believer and would refer anybody I know to Blair of 4 Pillars. He was a true professional and can’t thank him enough for his help.

I have found 4 Pillars to provide exceptional results for friends, colleagues, and clients that I have referred to them. As a financial professional, I have become extremely knowledgeable in what 4 Pillars does and how they differ from ‘not for profit’ credit counsellors and trustees in bankruptcy. Ryan Brown has helped my client’s become debt free and rebuild a good credit rating. Ryan has always provided my client’s with a free consultation where options are clearly defined for them. I have not found anybody that can do for my client’s what Ryan and his team at 4 Pillars can do. They come highly recommended from myself and others I associate with who have used their services. If you know other professionals in the industries of finance, real estate, mortgage, and banking they must understand what Ryan Brown with 4 Pillars provides.

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

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!

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!

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 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!

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!