I have been extremely happy with the service and knowledge

Debt reduced from $22,500 to $4,350

I was mortified and humiliated to find at the age of nearly 70 to find myself in so much debt. I phoned many companies and started to think I was dealing with seconded hand car dealers they all seemed very fast talkers and would not answer my questions over the phone I felt pushed for me to come into the office. This was not the case with 4 Pillars I made an appointment at my convenience and did not feel pushed or harassed into making one. I was very surprised when I met Blair Greenwood a very well educated and eloquent young man. We talk about my problem, he understood my situation and laid out all the options for me. I have been extremely happy with the service and knowledge Blair has given me I would be more than happy to recommend Blair and 4 Pillars to anyone who finds themselves in this difficult and embarrassing situation.

It changed my life

Debt reduced from $108,000 to $33,000
$550/month for 60 months at 0% interest

My experience of debt restructuring with Blair was excellent. I felt embarrassed and hugely stressed about my financial situation but Blair was so supportive and he was determined to help me. He did an excellent job and it changed my life. I am still amazed that he managed to reduce my debt load from $108,000 to $35,000.

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

Nothing I couldn’t have done it on my own. That stressed out feeling is finally gone + my repayment plan works wonderful for me. Thanks four pillars for a second chance. Cathy O

I was struggling to pay my debt because it kept on increasing even though I keep on paying it. 4 Pillars helped me decrease my debt and realistically pay for it in a few years.

Sue, I was very concerned when one of my clients asked me how much of her assets she could access for her kids to take care of their tax debt. You did exactly what I had hoped you would be able to do, you set up a plan that saved my clients’ hard won assets from being gobbled up in this horrible situation. Thank you very much for helping my client and her family.

I have felt very comfortable and treated with great respect throughout my experiences. The value and benefits of this service have exceeded my expectations. The service is very structured and Charlie is really great at explaining everything to me in simple terms.

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

Before sitting down with a consultant from 4 pillars, I was drowning in credit card debt and personal loans, being harassed by collections calls and not knowing where to turn. Now I will be debt free in no time at all with a payment I can afford, they have also helped show me how to be more credit responsible. Jason

Hi Sue, I just wanted to say thank you. Thank you for helping me, thank you for helping us. I have been able to breathe lately and that is a good feeling – something I haven’t been able to do in a long time.

Charlie is very helpful, positive and encouraging! I felt that I was looked after and directed towards handling issues with creditors in a positive way. I will definitely give him a ‘2 thumbs up’ for his knowledge and expertise, and will let others know about 4 Pillars.

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

No improvement needed excellent service I was in debt over my head, my family helped me to pay bills. Now that 4 pillars has helped me I can pay my bill and not be stressed out about my bills. I can live a stress free life. Thank you 4 pillars Susan G

We came in with no expectations since our situation seem so dismal, there seemed like there was no end in sight. Then Sue, so exceptionally friendly, made the whole process look and seem so attainable which it was giving us hope for a better future. Even now, months later, everything feels and looks better and will continue so with the new skills we will take with us.

Dear John, It was like a glimmer of light when I saw your ad on Facebook regarding the ability to get out of debt. The past few years have been trying on my financial situation. Yes, I was the decider in all these decisions and I certainly made poor choices in this. But I am trying my best to get out of a bad situation. Previously I had 2 jobs to help with the financial situations, resulting in money being owed to the CRA, but because of an unexpected diagnosis of Multiple Sclerosis I had to focus more on my health. This resulted in me not changing my financial spending habits but instead leaning on my credit cards. Now I am struggling facing the fact I am in over my head. I know I am liable for the bills I have racked up, but I am struggling to pay them. I make my payments but have little money left to live on. I asked for your help to let me see the full light of financial independence. Thank you for this consideration, as I have lived with the financial stress long enough and I need to start making positive choices for my future. I look forward to continue working with you all in hopes of getting a better understanding of financial planning, budgeting and living stress free. M. Henry

Hi Sue, My 3 words to describe you are: Compassionate towards clients’ needs and emotions Loyal to your clients, always available to answer questions and meet if needed. Knowledgeable very informative of 4 Pillars Debt Restructuring Program and how it can help and change peoples’ future. I am very grateful that I am a client of Sue Grubac and all she has done for myself and my family thus far. Words are really hard to describe a person who has a big heart for lending a big hand to those in need of answers, that is definitely Sue Grubac. Sincerely, JB

Our lives are changed for the better

Debt reduced from $52,000 to $18,000
$300/month for 60 months at 0% interest

Blair was absolutely wonderful, very professional. We are in a very good financial spot because of him…we can’t thank him enough. Blair was very easy going and worked around our schedule, (kids, work) which most wouldn’t do. I was very very stressed out about money and bills and Blair was so good with me…made me feel that everything would be ok…..Thank you again Blair, you changed our lives for the better 🙂

Before I met with 4 Pillars (Peter Temple), I am overwhelmed with call from creditor. As of today, I am having good life, sleep and no stress on thinking about my credits. Thank you to 4 Pillars for giving m this stress free life.

I had over $90,000 in debt

I was burdened by over $90,000 in unsecured debts. I simply was not able to assume the payments on these debts. The situation was such that making the minimal payments would have required almost all my income and it would have been impossible for me to pay for my basic needs and those of my children. I contacted Chris to evaluate the options available to me. Going over all my information and analysing my situation, we were able to negotiate payments on a $30,000 combined debt level instead of the original $90,000. I am now able to fulfill my obligations and provide for both myself and my children. I am now on the way to be debt-free and rebuilding my credit rating. I have to thank Chris for this. He was there throughout the process and always available to answer my questions.

Sue has been great she has explained and has given very clear suggestions and direction. I have come so far with the help and support from Sue at 4Pillars. Thank you!

My name is MJ. I wanted to let you know that I have worked with Jennifer Croft, and her husband John, at 4 Pillars Consulting. They were highly competent and professional when it came to helping me and my financial issues. When I relocated to Calgary from Montreal, my financial life was a total mess, a true disaster of biblical proportions. I was getting serious letters from lawyers in Edmonton and Toronto. I was even getting angry phone calls at 5 o clock in the morning. I really felt I had no other choice but to declare bankruptcy. I just wanted this nightmare to end. My stalled broken financial situation was totally stressful. My co workers told me that I had not smiled in ages. Jennifer sat down with me and quickly reassured me that all was not lost. I could, with some serious planning, end my financial nightmare. Jennifer did not beat around the bush. She explained in a calm, rational manner, what my choices where. We came upon a long term plan that suited my needs and my current financial resources. All legal issues were handled. In a few short months, the sun began to shine once again. Now, my stress level is down, there is a spring in my step, and my coworkers have noticed the old MJ again. My only regret is not following this path sooner. Jennifer and her husband are professionals who are able to explain to you that you are not at the mercy of the banks. That you have legal recourse. If you have money or debt issues, you can put your trust in these two. Trust me on this one. There are a BS free team.

The process was well laid out – so that brought me to meeting with Charlie for the first time. It was a comfortable environment, with compassion and understanding of the journey. The anxiety was kept to a minimum.

Thanks and God bless

Debt reduced from $18,000 to $6,000
$100/month for 60 months at 0% interest

I had a great experience with 4 Pillars.,you helped me a lot. Thanks and God bless!

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

Not applicable Adrian and 4 pillars consulting gave us back our peace of mind. We had tried other counselling of doing it on our own but we just got deeper and deeper in debt. Adrian demonstrated consistent diplomacy and integrity in our sessions. Thanks Adrian. Thanks 4 pillars!!! Vicki C

We are so happy that we got help with our debts, that before we are so stress on how to solve it. With the help of our friend and 4 Pillars was introduced to us for better solution to our debts. We are satisfied with the outcome of our proposal and hopefully in 5 years everything will be ok.

I got myself into debt I could not get out of by myself. Sue at 4Pillars has helped me in so many ways. I cannot thank her enough. I’m excited to know how not to fall it to debt again and to be able to start over.

Taking small steps to where I want to be in life, debt free and more!! Thank You for making all of this possible, and I’ll be forever grateful for all you’ve done.

Stress is always bad, but financial stress is the worst. It takes peace away from life, but John and Jennifer showed me the way to recover it! They answered every single questions with patience and discussed every topic in details which helped me to take the decision easily. Together, they represented my best interest instead of my creditors and reduced my debt of $38,513.00 down to $5600 with 0% interest. Thanks a lot both of you John and Jennifer! -Mohammed

4 Pillars changed my life for the better

Chris Southey and 4 Pillars changed my life for the better. Before I sought help I was not sleeping well, constantly stressed and I had no clue what to do regarding my mountain of debt. However, from my first meeting with Chris my mind was put at ease and clear solutions to my problems were explained at the outset. We then chose the one which was best suited to my needs. Within several months Chris had helped me reduce my debt by over $20,000.00, making my monthly payments much more manageable and simplified. Meeting with Chris from 4 Pillars was one of the best decisions I have ever made, and I will be glad to recommend him and 4 Pillars to anyone I come across who is having a hard time dealing with their financial woes.

Blair has your best interests at heart, not the creditors

Debt reduced from $204,000 to $33,000
$550/month for 60 months at 0% interest

Blair makes you feel like a person. He takes a crappy situation, treats you with respect, listens to your circumstances, and makes a proposal on your behalf that will work for you. Blair understands the creditor process, and always has your best interests at heart, not the creditors. I highly recommend Blair for his services, his professionalism and most of all for making me feel like a whole person again.

I am really happy with the way my debt was handled by filing a consumer proposal. It is much more manageable now. 4 Pillars really helped me out.

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

Thank you for truly changing our lives with your help, expertise, kindness and generosity your knowledge but most of all your understanding and humanity allowed us to manage our debt and stop stressing. Our family is forever grateful!

I am in control of my finances and my life again

Debt reduced from $92,500 to $33,000
$550/month for 60 months at 0% interest

A huge thank you to Blair. I believed my situation was unmanageable. Yet, here I am, in control of my finances and my life again. I had no idea that any of this was even possible. If you feel helpless, hopeless about your crushing debt, I encourage you to give Blair a call. Professional, courteous, knowledgeable, and non-judgemental, he was there to answer my questions every step of the way.

This service has helped me when I needed it most, highly recommend to anyone and everyone.

I’ve been coming to 4Pillars for a few months and the restructuring of my debt 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!

For most part of the year, my partner and I have been struggling financially trying to keep ahead of our bills. It always seemed like one thing after another that would get in the way or pop up and then we would get behind. Between losing his job and me going for surgery, the bills started to pile up. I thought if I worked a second job that it would get better. It didn’t. I was so stressed, tired and my health was taking a turn for the worse from worrying. We were at our wits end and the creditors were calling on a monthly basis, eventually on a weekly basis. It was to the point where I was ignoring their calls just so I didn’t have to deal with it. I got more stressed as time went on. Our relationship was starting to strain and we were always arguing about one thing or another. We even started avoiding our family members because we didn’t want them to see us in financial trouble. With two of our children about to graduate from high school and enter University, we knew we had to do something. I was too embarrassed to talk to anyone. I felt as though this was our fault and it is our problem, we need to fix it. We tried and tried for months to get caught up, but the interest on the cards were more than the payments we were making. We couldn’t even make a dent. From time to time I would see the advertisement for “4 Pillars” on Facebook. I just ignored it and thought that it was too good to be true, there had to be a catch. I was nervous about talking to someone and I was more worried about getting my hopes up, just to be rejected. My partner and I decided that we had nothing left to loose and we had to do something or we would lose everything. We had to take a chance. I googled 4 Pillars and read up on their site. I read testimonials and figured they had to be paid actors. I read some more about their company and decided to make the call to see what they could do that I couldn’t do myself. I got a call back the exact next day from Glenda. We made an appointment and were reluctant and standoffish. I still thought it was too good to be true. Glenda was amazing. She listened to our story and never judged us. She was considerate and very approachable. By the end of the first meeting with her, I felt comfortable with her and talking about our situation. She gave us options. It wasn’t just one way. We had choices and she allowed us to take the time to go over each option and decide on our own, which would suite us best. After that first meeting, my anxiety and stress level came down about 80%. Even my partner noticed that I was more relaxed and not as worried. During the second meeting, I was feeling a lot more confident that this was the way to go. We needed to get our life back on track and we needed help. Glenda walked through all the steps with us slowly so that we were not overwhelmed in any way. The kit she gave us was easy to follow and check list was helpful so that we didn’t forget anything. I had many questions and concerns about creditors before this second meeting and Glenda was there every day allowing me to ask the simplest of questions. I could really count on her. Glenda assured me that after the signing of the contract, that I would not have to deal with any creditors what so ever. 4 Pillars was going to take care of everything. They made it manageable for us. They made it so we could stop worrying and start living again. We were able to relax and enjoy each other’s company and enjoy our family. 4 Pillars in Saskatoon are amazing and I feel that they treated us like family, and went through hoops for us. They pulled out all the stops to make us feel comfortable and relaxed. They are my rock and I couldn’t be more pleased with what they have done to help me and my family get back on track. Sincerely Trudy

Key step in resolving a decades long debt issue

Debt reduced from $110,000 to $31,750
Paid $10,000 lump sum and $362.50 for 60 months at 0% interest

Working with Blair was the key step in resolving a decades-long debt issue. It is impossible to underscore how important working with him has been in moving a debt issue to a place that is finally manageable. Blair is patient, understanding and knowledgeable. I’d work with him again in a heartbeat. I’ve already referred friends to him. Call him.

Peter and Margaret answered all my questions and concerns, they helped me with how to reduce my debt. I have better peace of mind.

Amazing service! After my first visit I felt like a huge weight was lifted. Charlie made every step easy.

After many years in business I realized I was slowly sucking up equity to pay bills and then the debt started to incur. I thought my business was recession proof but it became too late to turn things around with the debt I had incurred. The bigger problem, was that the debt was in my name and as I couldn’t afford to pay myself wages it really started to snowball to the point where I was in trouble. I met Sue from 4pillars and she helped me in a big way. First, she needed a clear picture of all my debts and income, property, vehicles etc. Then she was able to help me develop a plan that would negotiate a better deal with the unsecured debt. Sue was very thorough and understood where I was coming from and where I needed to be financially. She took control of the process and I just fed her the information she requested. In the end I saved ten’s of thousands of dollars and the phone calls and letters stopped. I was worried my name would be smeared and I would be a cast out, but it was all private and there was none of that. Sue was professional and excellent in all areas and I am so glad I met her. The best thing about the whole experience with Sue was that she truly cares about her clients and wants to help. I am now debt free for all unsecured debt and it feels fantastic. I pay cash for things now, I have money in the bank and all my commitments are met on time. It opened doors in my life I didn’t know existed and I couldn’t be happier! Thanks Sue!