I was amazed at how fast it went

Debt reduced from $16,000 to $5,400

I had no idea what this process entailed but right from the very first meeting I felt a sense of relief and trust that Blair gave me. He was very efficient and made the process very quick and stress free. I was amazed at how fast it went and how quick Blair answered all my email. He made this process a very positive one and I have recommended him and will continue to do so in the future. I am very grateful for Blair’s help and he also went out of his way to accommodate my financial situation arrangements on paying the fee of doing a consumer proposal. Blair went above and beyond in every meeting and communication between us and always answered every question I had in a very timely manner. I am so grateful and I am happy that I got to work with Blair. Great person.

I highly recommend 4 Pillars to anyone that wants a fresh start

Debt reduced from $88,000 to $12,000
$200/month for 60 months at 0% interest

I was reluctant to start this process, but once I did start, Blair was extremely helpful and reassuring about the outcome being worth it. I highly recommend 4 pillars to anyone that wants a fresh start with their lives and becoming debt free in a realistic timeline.

You really helped me through a very difficult situation and you did a great job. Thank you, just in case I haven’t told you that yet. Keep up the good work and don’t give up what you are doing as people like me need the service you provide.

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

Nothing Before 4 Pillars I had a lot of sleepless nights and I was also stressed out over my bills without 4 Pillars my boyfriend and I wouldn’t have been able to take the trip we took in September for our anniversary thank you Adrian Brenda M

We are a family of 5 that where really struggling with our finances for some time, did not see any possibilities of fixing this, creditors calls where getting worst, and overall everything was going downhill, with all the scams out there is hard to tell who is legit when it comes to helping you with this problems, a friend from Nanaimo recommend us Sue from 4pillars, she listened and gave us a plan for us, she was very professional and kind and made it easy for us to know what to do, now we are finally on a stable pace back to a clean start. We highly recommend her. Thank you. Sue for all your help.

Literally saved our marriage

We thought we were hopelessly in debt! Thank you, Chris, for negotiating the settlement of our debts and literally saving our marriage.

I am writing this letter to you to thank you very much in helping me with my debt situation. I have just been informed that my consumer proposal has been accepted, and I am well on my way to becoming debt free. I would highly recommend you to anyone who has debt. I think your services are well worth the fees. Thank you again for your help.

I didn’t quite know whether this was the route I want to go at first, but Sue was very knowledgeable and very helpful, and I was surprised that Tina was the same, it was like working with two friends and it was nice to share a few jokes along the way.

Do your research and find someone local

Debt reduced from $12,500 to $4,500
$75/month for 60 months at 0% interest

I contacted Blair after already dealing with another company for a couple of months and glad I did. All I can say is do your research and find someone local that will work with you. Blair explained all the options to me. I didn’t have a huge debt load but it was enough that I knew I need help. He was able to get my debt reduced from $12,500 to $4,500 in a very quick time frame. I now know my financial future will be in good hands. Blair is obviously very professional but he also makes you feel at ease and doesn’t talk down to you because of your financial problems. Thank you Blair

I was hesitant at first, I owed around $30,000 or more. I am so thankful that I went with 4Pillars. Myself and FAMILY are so relieved our debt is so much easier to handle. 4Pillars, can be trusted. I will be debt-free in four or five years. Words can’t explain the gratitude I feel. Thank you Sue.

Professional and supportive

Debt reduced from $72,000 to $11,400
$190/month for 60 months at 0% interest

Blair and 4 Pillars reduced my debt from $72,000 to $11,400. He’s professional and very supportive. I would highly recommend anyone with large amounts of debt to contact Blair.

Charlie was able to remove the creditors from calling our home as he dealt directly with them. Charlie put at ease very quickly. He knows the process very well and can offer good advice.

I called in practically in tears, frustrated life circumstances have caused me to fall behind after a divorce. I owed $36,500, with no savings. I tell a friend to call. They will organize your debt, help put goals in place, this is what 4Pillars and Sue showed me.

Feeling at the end of our rope– with no where to turn…this feeling left completely talking with Darrell. He put us at ease immediately and was so kind and understanding. He goes beyond the business deal aspect and treated us with utmost respect and empathy for our situation. Darrell was very efficient and honest in his dealings with us. There was no wasting of time or delays,,,he is a professional all the way!! With a total debt of $67,500.00,,,that was reduced by $43,000.00,,,leaving us owing $24,000.00…..Thanks for saving our lives Darrell!!!

He did everything he told me he could do

Debt reduced from $31,000 to $6,000
$100/month for 60 months at 0% interest

Blair was great. Helped me get out of debt and did everything he told me he could do. Highly recommended to anyone with debt.

At the time we sat down with Charlie, we had been feeling we were lacking the guidance and insight we needed to make some smart consumer debt decisions. It turned out we were not candidates for consumer debt relief, but with Charlie’s advice and knowledge of the credit world, we were able to devise a plan to most effectively and quickly pay off our existing consumer debt. We appreciated Charlie’s honesty, and for the first time in a long time we were talking to someone who had integrity! You can really feel how passionate Charlie is about helping educate his clients about consumer debt and how to avoid ending up there again. So refreshing in a world where all we hear is ‘Spend, spend, spend’. We are now well on our way to a happier future where our dreams and goals are possible! Thanks Charlie!

I was both a financial and emotional mess. I was going through a nasty divorce and left to care for my children on limited means. My health is getting worse by stress and growing dance and credit company harassment I wasn’t performing in my job. I felt like I was a failure. A friend of mine told me about 4Pillars I was reluctant at first as I was embarrassed of my situation. When I finally met with Sue, I broke down. Sue was amazing. She quietly listened and gave me sound clear instruction. Throughout the process, I was comfortable and confident. 4Pillars staff was excellent with helping me on board. I now recommend family and friends that speak of their personal struggles to go talk to Sue at 4Pillars. Because there is a solution and clear plan to rebuild your life.

We appreciate everything 4 Pillars did for us. It changed our lives. Garrett K.

Wish I had done this years ago

Debt reduced from $46,000 to $13,000
$224/month for 58 months at 0% interest

Blair is amazing at what he does! Professional and really listens to you what you have to say and gives step by step through the whole process. Wish I done this years ago! Highly recommended, thank you very much Blair!!

I found Charlie to be very professional and compassionate in our meetings. This is not something I had ever gone through before and was very upset and feeling I was letting everyone down. Charlie basically held my hand through the whole process and I thank him for being so understanding of my situation. Thank you Charlie.

I was so in debt and confused about my money, I had no idea how to handle my dad and my overused income. I came to sue a terrible mess and she explained options and answered all my questions and gave me such a better understanding of money.

Completely changed my outlook for the future

Debt reduced from $34,000 to $6,300
$105/month for 60 months at 0% interest

Thank you, Blair! You’ve completely changed my outlook for the future. It looks a lot more promising without that huge debt hanging over my head!

At the age of 19, when I began working with Charlie and Monique, my goal was to establish a positive credit rating so I could eventually buy my own place. Shortly after I turned 21 I became the owner of a 2 bedroom condo in downtown Kelowna. In preparing for this purchase I received guidance on applying for and effectively using credit to build my credit score. Charlie also introduced me to other professionals (financial planners, mortgage brokers and realtors) at an early stage to assist me in the process. I was able to effectively budget to save for my down payment, and I was informed of the costs involved in a property purchase. Any financial questions I had were clearly explained. 4 Pillars helped me create a solid financial foundation that will help me achieve all of my future financial goals.

4Pillars helped us gain control of our spending and debt, but giving us tools for budgeting, saving, rebuilding credit and helping as build skills to save and secure our financial future.

Working with 4 Pillars has been a pleasant experience. Everything that was said did get done. Would recommend them to everyone. Rick

This improves my financial situation dramatically

Debt reduced from $31,000 to $7,200
$120/month for 60 months at 0% interest

I am extremely excited with the announcement that my debt proposal at 4 Pillars has been approved. The reduction that Blair aggressively set on the table has left me with only $7200 to pay compared to the initial hurdle of $31000. As a retired teacher this improves my financial situation dramatically. My daughter heard of Blair through a fellow employee at her financial institution and I immediately set up an appointment. This was in late August this year and on October 30, 2015 just 2 months later, the consolidation was a ‘fait accompli’. During the whole process, all that I had to do was deliver the bills to Blair. Now with his help and a suggested budget, I can move on, no longer crippled with debt worries and irritating phone calls from creditors (which by the way stopped as soon as I was registered in the 4 Pillars program).

Best Hallowe’en treat that I ever scored!

I had very little knowledge prior to my appointments at 4Pillars and Sue took the time and extra effort to help me, explain in detail and make sure I was on track for the future. I am so very thankful.

Came up with a proposal to end the grief of debt

Debt reduced from $9,800 to $2,500
$2500 lump sum paid

A few years back had good credit then fell behind ,then the phone calls and letters. I was frustrated and seen a add for 4 Pillars. Then when a friend said he had used their service after his divorce. I didn’t know what to do so I called Blair Greenwood of 4 Pillars. My situation was grim in my opinion. He responded and came up with a proposal to end the grief of debt walking me through the process breaking down paper talk then showing budgeting of financial freedom living within my means watching where my money actually goes.

I would like to take the time to personally thank you Charlie for what I can only refer to as a ‘simply exceptional’ service. It was absolutely invaluable to me to have your assistance working through all of the questions and concerns I had in an effort to narrow down the best direction forward, in my case a consumer proposal. Each and every question I had, was answered thoroughly and I really appreciated that. Working with the 4 Pillars system was a very straight forward process, and dare I say almost ‘enjoyable’. Certainly as enjoyable as it could have been. I would highly recommend your service to all I know. Thanks again for everything!

I’ve been coming to 4Pillars for a few months and the restructuring of my credit has left me feeling free and motivated to lead A more successful life. Before coming in I was overwhelmed and felt isolated. Being taught the tools to be aware of where my money is going is an amazing feeling!

I’m very happy you guys reduced my debt up to 80%. Thank you guys for all the lessons about rebuilding my credit score. Nino E.

One of the best decisions I have made

Debt reduced from $31,000 to $11,400
$190/month for 60 months at 0% interest

Without question, one of the best decisions I have made in my financial life has been working with Blair Greenwood of 4 Pillars. Growing up, I was always taught to pay my bills. But after a marriage breakdown and periods of unemployment, the debt became unmanageable and I knew I needed help. I looked into the possibility of a non-profit credit counselling agency and quickly found that they were clearly working on the side of the banks and credit cards. I became discouraged and thought bankruptcy was the answer and looked into the possibility of working directly with a trustee. It was then that a friend of mine recommended Blair as an alternative. And I thank my lucky stars every day. I found out that trustees are officers of the court and act on behalf of the creditors. I needed someone on my side, to negotiate a solution on my behalf – working for ME and my best interests. That someone turned out to be Blair. He worked with me outlining the process and keeping me informed every step of the way. By the time we met with the trustee, I was confident and prepared. The proposal went through without a hitch and I’m now happily on my way to clearing my debt and rebuilding my credit – all thanks to Blair and 4 Pillars.

Thank you Robert for all the help – it has made a big difference in my life already!

There’s a light at the end of the tunnel! There’s actually some hope. Opened our eyes.

They did what they said they would do with no extra fees. Ryan S.

Changed my life

Debt reduced from $71,000 to $7,800
$130/month for 60 months at 0% interest

I can not stress enough how much Blair changed my life. I was so stressed out with a little over 70 thousand dollars in debt. Through his hard work and determination he was able to cut it down to just under 8 thousand. I’ll repeat that again 70 down to 8. He’s the real deal. Don’t wait till tomorrow call him today.

I am very satisfied with all the services provided by 4 Pillars Consulting and am looking forward to recommending to anyone with my personal references on my own opinions of their excellent services. Good Work!

We feel that we were treated with respect and dignity. We felt very educated in the sense of where our financial problems came from and how to resolve them.