I went to talk to Ryan after a nasty divorce and high expenses resulting from it left me in a position of absolute turmoil!!! He was able to reduce my monthly debt payments by $1,000! Having just getting remarried, I was looking for a fresh start in life. That is exactly what I got! With the weight off my shoulders of debt from going thru a divorce, moving forward with a clean slate has improved our family life one hundred percent. Now my wife and I can raise our children not stressing about what my past circumstances had left us having to worrying about on a monthly basis. Ryan and his staff were very professional. Even with a difficult file, Ryan put forth every effort to make sure we could have the best outcome possible.

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

Nothing everything was explained great. Adrian is very helpful and explains things to make sure you understand. Bob & Kathy

After my initial assessment with 4 Pillars a huge weight was lifted from my shoulders. My stress level went down. There was a light at the end of the tunnel. They were professional and respectful and kept me well informed of what was going on. They were easy to talk to and helped me understand all of my options. I would highly recommend this company to anyone with financial issues.

The reason I decided to do the proposal with 4 Pillars is not so much about getting information, but to take advantage of your negotiating skills. Thank you.

We were $103,000 in debt

When we first came in to see Jane at 4pillars we were $103,000 in debt. We were unsure of how we were going to get out of it. It seemed impossible. It was taking a toll on our marriage, family and health.Going through this with Jane has been a huge weight off our shoulders and a light at the end of the tunnel.

I have had several clients that have worked with 4 Pillars all with exceptional results! We are very pleased to be able to refer clients to Ryan and his Team at 4 Pillars. They truly are the best option for debt relief! Danelle

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

Just keep up the good work. They were great H.M

4 Pillars: Their helpfulness in our time of crisis saved us from disaster at this time in our life. Very professional and understanding is what we got so it gave us peace of mind knowing they were solving our anxiety and putting us on track again to start life!

We are so pleased with our decision to contact Charlie and proceed with our consumer proposal. We are now in a position to make our monthly payments and our stress has decreased immensely. Thank you so much Charlie!

Without 4 Pillars, I would be on the street

Without 4 Pillars I’m sure I’d be on the street. Charlie was the friend I needed when there were no friends.

We are feeling so much more relieved after dealing with 4 Pillars. They exceeded our expectations and we highly recommend their services to people who are looking to get out of debt.

Special thanks to 4 Pillars, for your professionalism in restructuring our debt. We highly recommend 4 Pillars to any person requiring help with any debt problem.

My experience with Charlie and Monique has been extremely helpful to my stressful situation. They have provided excellent guidance to seeing my way to a much better financial situation. I was and am very happy I made the call for their help. Thank you 4 Pillars!

I found 4 Pillars in a local paper

I’ve been dealing with my debt for years, I’ve turned to banks, but it just got me deeper and deeper into debt. With a continued search for help I found a 4 Pillars Consulting Group advertisement in a local paper and called for a free consultation. I talked to a friendly, sincere, honest, enthusiastic and understanding person named Robert. He is very knowledgeable about Finance! He explained to me the debt resolution options and fees fully, clearly and in a comforting manner that made me so hopeful and prompted me to request his help. Since then, he handled my case patiently and diligently, when he requested information I provided it as soon as possible. The resolution was created quickly and successfully, I was speechless the outcome (60 to 70% debt reduction) was way, way more than I expected. I am so pleased , happy, grateful and fully satisfied with the fast diligent, friendly, understanding and comforting service of 4 Pillars Consulting Group! I would highly recommend his office to family, friends, and co-workers or to anyone I know who is having a financial difficulty. My heartfelt gratitude to Robert Osborne for his kindness and support and handling my case so efficiently!

Our experience with Ryan and Sharon is one that changed our lives completely. Their ability to make us feel understood and cared about with our situation is what made it possible to go through what was required, to get control of our finances. We highly recommend 4 Pillars to anyone and everyone who is ready to make a change with lives. Dennis and Pamela

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

To our knowledge nothing, everything was explained very well. Thank you so much for helping Paul and I, this was the hardest thing we have ever done. We weren’t proud of having to do a proposal, but are very happy we can get on with our life now a little easier without all the phone calls. Thank you again. Paul & Anna D

I first met with Scott on January/2010. My debts had overwhelmed me and I needed guidance and help so I could restart my life without going bankrupt. I am 60 years old and had been dramatically affected by the recession.
Scott has been able to layout a plan that will allow me some freedom to enjoy life, anxiety free. Scott’s professionalism and calm approach to solving my financial issues was a godsend. Thank you Scott!!

Charlie is full of great information. He saved me from bankruptcy when I assumed it was my only option. Great service and personal attention!

I was skeptical during the consultation

When I met with Mr. Peet first I was initially skeptical about what he said could be achieved. He explained all the options I had and explained all costs and risks. During this consultation I became more comfortable as Mr. Peet was empathetic and even had a smile on my face. Over the several weeks we worked together he had a clear and concise strategy for my whole picture. The result was amazing! My debt load was about $66,000 and now it is reduced to $21,000 and I have up to 5 years to pay it back interest free. Since my deal has been finalized I have continued to use his after care services to get a manageable budget in place and understanding the credit system with his educational and informative tools. This in turn will lead to a successful credit recovery. Thanks Charlie for a return to reality and help to live without debt!

Working in the financial lending world, I have had the opportunity to work with 4 Pillars offices across Canada including the Muskoka / Parry Sound office. I have nothing but great things to say. Don’t be fooled by other companies. This company is very unique and has the ability to help people get out of debt, unlike any other company in Canada. To top it off, they treat their clients with compassion and understanding. In my professional opinion, 4 Pillars is Number 1 for those looking to become debt free.

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

It’s so good to have a stress free life! For the first time in many years I have some money in the bank and spend my money differently (thinking before I buy) Kate B

I just have to say, my advisor, Scott, at 4 Pillars was very knowledgeable and patient. He assessed my situation and worked with me at what he thought worked best for me, based on my situation. He found a solution to help get me back on track and gave me the confidence to start living my life again, without the stress of wondering where money was going to come from.

I would highly recommend the assistance of 4 Pillars to anyone who has financial debt.

Everything was comfortable and explained well. I was always able to talk to someone on the telephone. I am happy that my phone is no longer ringing with creditor calls. I am learning to spend within my budget.

From a raving fan, thank you

Charlie – You handled things like the professional and gentleman you are. Now I’m not ‘All Shook Up’. Yes-You did it your way and kept me out of ‘Heart Break Hotel!’ So Charlie, So Monique-from a raving fan Thank You for everything! Thank you Very, Very Much!

With the help from Zach my stress levels of being in debt and money problems have been lifted and I am able to start planning my future instead of worrying about it. Thanks!

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

In my case a seasonally adjusted payment plan would help ease winter fears as majority of work happens between April and November (roofing) It is early in the game for me but pressure has eased and have no regrets in having asked Miles and Adrian (4 Pillars) for their help. At 50 years old I feel I have a future debt free. Monica S

Scott is A+ in my books. He definitely goes that extra mile for you and super friendly and easy to talk to.

I have a slower understanding of English and Charlie spoke slowly for me. He made me feel comfortable to talk about my private financial issues. He is making my life easier. Even though I began this process in 2009, he is still there for me just as much in 2013. I know I chose the best advisor and I would recommend his name to my friends.

We cannot recommend you enough

Thank you Chris for getting us through a difficult time. Your help in getting us there, both mentally and financially is very much appreciated. We cannot recommend you highly enough to anyone in financial crisis.

Keep doing what you are doing. Your services are excellent.

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

Nothing! They were easy to talk to and I felt comfortable calling with any questions or concerns I had! Very friendly and helpful I had debt with my credit cards for a while due to many house renovations. Making all payments every month wasn’t getting me anywhere because of interest. It was very stressful until 4 pillars helped me. They took care of everything, no more phone calls or letters and I finally felt stress free about my finances! Tana

Very trustworthy and friendly debt consulting services provided by Scott Patton. I came to his office with a problem and he helped me leave with a solution. Scott will support you with a clean cut plan and guide you from point A to point B.

I highly recommended him to anyone who wants to get their finances and life back on track! Thanks Scott!

Charlie and his team have made dealing with a difficult situation simple. They took the fear of the entire process and turned it into understanding and confidence in our choices and options. We are on a new road to financial stability and success thanks to 4 Pillars!

My debt was reduced from $35,400 to $8,400

For the past year, my husband and I have tried to consolidate our debts. Out of luck the bank couldn’t approve us. I was told by a friend to try a broker but we got the same response from the bank “DECLINED”. But the broker advised us three things; first is to find a credit counselor, secondly is to file bankruptcy and lastly sell the house. This is not what I wanted to do! I did a search looking for options: I found 3 credit counselors I but wasn’t really convinced about what they said about their program being the best option for me. My husband was so choked and was really depressed for the past few months and told me that he was drowning and couldn’t handle our debts situation. I didn’t know what else to do but keep researching and not lose hope that there is still a chance for us to save our home, our marriage, our family and our reputation. Then I found Jennifer’s advertisement and responded by filling out a form. I received a phone call from Jennifer and she was so sincere and willing to provide help to us. She did not stop to encourage me throughout this process. My husband and I listened to her advice about my options, we trusted Jennifer to handle our debt problems. We also met her husband and he also explained to us the process. We had no hesitation when we decided to hire them to represent us and our best interest. We couldn’t believe how this is a big relief for us and even our relationship was saved by Jennifer’s help! We had an enormous debt that would take a long time to pay back. But because of 4 Pillars, my debt was reduced from $35,400 to $8400. My monthly payment is now down to $150. My husband’s debt was originally $24,600 and it is now down to $7840. His new monthly payment is now $140.00. We knew that if we didn’t get the help we got from Jennifer, we would have to sacrifice for a lot of years to pay off our debts due to high interest and have to work two jobs to catch up paying just the minimum every month. I am excited t be debt free sooner! With Jennifer’s help with budgeting, we now maintain our monthly expenses and income according to our needs. She is also helping us with credit rebuilding so we can repair the damage we had created from our debt. John and Jennifer are a couple who is really down to earth people; the only intention is to help people like us to get out of debts. The help we got from them was so beyond from what we were expecting and truly trustworthy, professional company. We respect them so much. THANK YOU JENNIFER, you have made us believe that we still have a chance to create another GOOD LIFE!!!THANK YOU IS NOT ENOUGH!!!

We are very happy that we contacted 4 Pillars. We would not have been able to live in our seniors apartment if we were still carrying the debts we had. It is such a load off our shoulders and our mind. Thanks to 4 Pillars.

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

Everything was perfect and easy I am very satisfied with the level of service. I am very relieved to have my finances under control for the first time in years.

Hello everyone. Scott at 4 Pillars in Kitchener is the best! I was worried at first and thought it was too good to be true and that it was costly to do a proposal. Scott seemed so knowledgeable and has been helping people in my situation for years and he is part of a very reputable company so I went ahead with it and basically trusted my life with him as I was in financial RUIN!

I was stressed out very often and at times thought that my proposal would not get accepted and I would message Scott at weird hours day and night, and he would help me calm down so the end to this story is the best!

My proposal was accepted!! I have to only pay back a quarter of what I owed to my creditors and I was able to keep my homes and my business. I owed so much money before this I could not pay it back or even pay all of the payments every month. I thought that I was going to lose everything!

I would totally recommend Scott at 4 Pillars Kitchener to everyone and I always will. Thank you Scott!

The service I received from Charlie and Monique was exceptional. Everything was explained thoroughly and precisely. It’s been a pleasure to be a client. Having the added pressure ceased has been a great relief.