Our advisor Andrea is so nice, friendly and approachable. I like that I am treated as an individual. The setting is comfortable and eased my nerves. Thank you for your assistance. From, Jodie

All the counsellors we’ve met are absolutely knowledgeable..they dealt us nicely and professionally…they discussed to us with concern and care…thank you for all your support. All the staff are nice and helpful. Thank you so much for everything that you do. May you help more people like me.

Andrea is very friendly and accomodating when answering our concerns

Anna is a very nice lady. She helped us understand what we needed to know. I would highly recommend her to our friends.

I would like to thank Anna for being so nice and patient to me…and also your company for helping me out in my situation….thank you and have a nice day…

Great service, very thorough and personalized. They do plenty of follow up and support as well they provide you with a number of tools to help you achieve and maintain your goal. Provided me with a variety of solutions, but ultimately recommended what would be best in the long run.These guys are the real thing. I would recommend them to my friends.

Everything was beyond my expectations!

You are God’s instruments to help my family

Everyone at 4 Pillars is friendly, accommodating, understanding and supportive-great team! They earned my trust right away!

We praise and thanks God Since we had these bad debts our life become so hard, we worked so hard to pay our debts but nothing is happenning. It seems like we burried to this financial problem. Till we meet you guys. We are so thankful to God that he give you guys to us an instrument to get out of our financial problem you guys are trully blessingto us, you are amazing to talk to and did’nt make us feel bad for our situation you always treated us in a caring professional manner not criticism. soon we are able to enjoy life again, We always be grateful and highly recommend your office to our family, friends and anyone who is having financial difficulty We appreciate what you’ve done to us. Thanks for giving us a fresh start. Thank you! Thank you! very much 4 Pillars GOD BLESS!!! J & N

She took my debt from $32,000 to $9,600

Before I called Jennifer I was up to my neck in debt. Not really understanding the true value of money and it’s worth made it very easy to rack up credit card debt. I got a second job and was struggling trying to pay over $700 monthly just making the minimum payments. After spending over a year stressed and tired from working 60 hours a week I was referred to Jennifer Croft by a friend who was also helped by 4Pillars. I explained my situation to Jennifer and she immediately took action! She took my debt from $32,000 to $9,600. My experience with Jennifer was amazing!! She was very understandable and knowledgeable and was always available any time I had questions. Instead of paying over $700 per month towards my debt I now pay $160. I’ve been able to quit my second job and actually start saving money. Doing a proposal with Jennifer Croft was the smartest choice I’ve made.

Highly Recommended!

When I first thought about trying to get rid of my debt, the thought was overwhelming and embarrassing. I felt so lost & confused about where to even start that I usually just said forget it. When I came across 4 Pillars I was intrigued. When I met with Jennifer and she talked me through the process that was best for me I felt like there was hope. Before I even made my final decision to proceed there was a weight lifted off my shoulders. Now that my debt is gone, and my credit has hope for improvement. I am so happy that I decided to work with 4 Pillars & Jennifer. They made the process easy, and more importantly they took the embarrassment away! I HIGHLY recommend them! And I encourage anyone on the fence about using their services to jump off and just do it, you’ll be so glad you did!

Facing huge personal losses

My name is Patricia and I was a client of 4 Pillars Calgary in 2012. I was referred by my accountant Rob as he saw all my expense and the struggle I was going through to keep my head above water. I was very nervous going as I never been in this situation of financial debt. With all I have been through in my life from divorce and losing my business, and family passing,I thought life couldn’t get better. Then I meet John and his beautiful wife Jen and not only did they make me feel better that life goes on and will get better they treated me like I was family. I have been discharged as of may of 2013 and slowly but surely I m on my way to the top. I’m so grateful for them and what they did for me, and tell anyone I know, and those who are afraid like me there is help for financial debt, with John and Jen your not alone there with you every step of the way. Thank you so much!

Try them, you won’t be disappointed

During the summer of 2013, I contacted Jennifer Croft at 4 Pillars to discuss my financial situation. I was convinced my situation was bleak. I was seriously considering A: declaring bankruptcy, or B: leaving Canada for at least the next ten years. Jennifer assured me that where ever there is a problem, there is always a solution. She assured me that her husband John and her could, given some time, find a solution to my financial issues. She was telling the truth. She was not lying. She was able to put together a financial plan that was rational, practical, and above all else, realistic and attainable. That they delivered on that promise. They made a plan for me, and executed it. They really help me get my financial life back in order and I am living like a normal person again. Jennifer and John at 4 Pillars Calgary: Honesty, clarity, respectable at all times. I suggest them often. Use them if you must. You won’t be disappointed!

Your Credit Rebuilding Worked

I met someone that I allowed to con me financially and put my credit rating in the toilet. I found John and Jennifer and they coached me into re-building my credit and regain my self respect. Through them I was able to start repaying my creditors and avoid bankruptcy. I have been able to increase my payments so I can chop a few months off! I have learned many lessons along the way and I feel very positive about my future I have an enormous amount of gratitude to John and Jennifer for all their support and I appreciate their non judgemental attitude and encouragement. Thank you so much for the difference you have made in my life!

Wish I Had Called Sooner

I do tell all the people that are close to me that I am so glad I found you. And I tell people that I think could benefit from your services to contact you. MY ONLY REGRET IS NOT COMING IN TO SEE YOU SOONER!!! I suffered for so many years but the process was painless and enlightening. I am no longer embarrassed for what happened and starting over isn’t as awful as I thought it was going to be. Thank you John – your professionalism saved my life and allowed me to continue to provide for my son.

Friendly Staff at 4 Pillars Calgary

It is difficult to meet people as caring and understanding as John & Jennifer Croft at 4 Pillars Calgary. During such a difficult and daunting time, their ability to educate and willingness to provide sound advice was paramount to my ability to move forward. This combined with a welcoming staff and accepting atmosphere made a very difficult situation quite manageable and somewhat relieving. On a personal note, John and Jennifer are an inspiration and treat their clients as a family, which was refreshing and sets a standard that any organization could learn from. Thank you both very much for developing a solution that was suited to my circumstances and especially for continuing to walk with me, at my pace, along the way. Your Friend, Will

Personal Support Regarding Financial Difficulties

I would like to send my big thank you for the awesome help I have received from you personally and the rest of your staff. I must admit that i was hesitant at first, but after thoroughly reading info from your website and listening to your convincing video ad , I would have to say I took the first step because of that. From day one being unsure of what to expect to the day the proposal was signed, I was more than happy with the personal service I received. It is the best choice I have done so far in regards to personal financing.The relief I now have knowing that I do not have to deal with stressful financial obligations, but instead steady worry free payments. Thank you so much! It wasn’t easy to accept this is happening but YOU made everything ok for me and my family. I wish you the best in your profession, I know that your being a beautiful person inside and out will take you to helping more people in need.

Family Health Problems Fixed

I would like to start by saying how grateful I am for having met Jennifer and John Croft, along with everybody at 4 Pillars Calgary. Just a few months ago my family was in deep debt and I was extremely stressed, I felt desperate and hopeless. I kept hearing the word bankruptcy and it made me feel terrified. Our circumstances were delicate because of my daughter’s health. She had been born premature and had to be hospitalized for almost a year. Once she came home, she had a tracheostomy and was put on oxygen so she required 24/7 care. I wasn’t able to go back to work full time so we relied on my husband’s sole income for almost 3 years. This put us in a very complicated financial situation. This all changed the minute I spoke to John and Jennifer Croft. They immediately made me feel like there was hope and gave me a sense of relief. They offered me great advice and showed me how to manage my debt in the best way possible for my family. Not once did they made me feel bad or guilty about my debt, instead they made me feel understood and they offered my financial counselling that allowed my family not only to manage our debt in a healthy manner but also to manage our budget wisely. John and Jennifer Croft are incredible knowledgeable and generous people that treated me with humanity and kindness. I cannot say enough about them. I am forever grateful for all their help. Thanks to them my family is now in a healthy route to financial balance. Thank you!

To: Mr. John Croft Like most of the teenagers, I had never cared about my credit rating during my teenage life. Although, my parents tried their best to explain me the importance of Credit history, but I never bothered. I was getting tired of all the calls from Collection Agencies & being denied for anything I will apply for. Once, I realized my mistake, most of the people told me that it was too late and that I will probably be paying back the companies that I owe for years before I can get my mistake rectified. I tried other consolidation companies before but they were more concerned about their fees, than my situation. Most of them will not even open my file until I pay their fees. Finally, through word of mouth at the airport, where I used to work, I was made aware of 4Pillars. I contacted Mr. John Croft and he sat down with me and explained to me all my alternatives. Due to numerous failures, I had a lot of questions for him and he was very patient with me and took time to answer all my inquiries. I have now already started my initial steps to rectify all the issues on my credit report and I still haven’t paid full fees of this program. This proved to me and to all the people that I am talking to about this company, that the solution to your problem is their first priority. I can’t thank them enough but my sincere thanks to Mr. John Croft and his team who made, what other people told me that it was impossible, so easy and conveniently possible. I wish 4Pillar’s team all the best with the great work that you are doing and helping individuals like me to get a second chance to be a better citizen with a better credit history. Best Regards, Dave

She took my debt from $32,000 to $9,600

Before I called Jennifer I was up to my neck in debt. Not really understanding the true value of money and it’s worth made it very easy to rack up credit card debt. I got a second job and was struggling trying to pay over $700 monthly just making the minimum payments. After spending over a year stressed and tired from working 60 hours a week I was referred to Jennifer Croft by a friend who was also helped by 4Pillars. I explained my situation to Jennifer and she immediately took action! She took my debt from $32,000 to $9,600. My experience with Jennifer was amazing!! She was very understandable and knowledgeable and was always available any time I had questions. Instead of paying over $700 per month towards my debt I now pay $160. I’ve been able to quit my second job and actually start saving money. Doing a proposal with Jennifer Croft was the smartest choice I’ve made.

Other financial consultants could not hold a candle to 4 Pillars

From the very first phone call, I could tell immediately that John and Jennifer were highly professional, yet warm, engaging and genuinely interested in their client’s needs. Through my experience with them I have been consistently impressed with their level of service and how specifically they tailored their scope of work to my particular needs. Before I met John and Jennifer I had interviewed two other financial consultants and in comparison with 4 Pillars the others could not hold a candle, and I mean that very definitely; One of the service providers was clearly not client focused, and the other one lacked knowledge. John and Jennifer met all of my needs including being client focused and highly knowledgeable. On top of that, both John and Jennifer and their office manager Lily are genuinely pleasant people, and their personalities are well suited to the kind of business they are in; assisting people with debt management. This can be a stressful time for their clients, yet through it all they give their clients a sense of calm assuredness which ensured I felt that I was being supported by people who truly cared. I highly recommend them!

You always kept your word, and you are a very kind person.

Dear Jennifer, Thank you for helping me with my debt….I was in very hard situation with all my debt. I couldn’t focus on work, I couldn’t sleep at night, and I was stressed. I tried to fix it by re loaning again so I can pay first the one who has the higher interest but I noticed that the financial institution that I’m borrowing money from, the interest was also so high. I had 2 jobs to try to pay off my debt. When I met you, you never think twice to help me. You help me by explaining everything to me like I was one of your good friend that is in need for help, by cutting my debt with no interest and helping me rebuilding my credit. And most of all, you treated me with respect. You are very professional and I trust you. You always kept your word, and you are a very kind person. Because of you, I can now focus on my career, I can sleep good at night, my stress is gone, and most of all I have a wide knowledge towards managing my financial problem, because you are there to guide me and help me along the way. And you always give me a call to ask me if there’s anything more you can do to help me… Thank you very much for helping me and solving my financial difficulties! Sincerely yours, Ejay S

The stress was becoming unbearable

We would like to express our appreciation and our thanks to John in regards to how he has helped us with the heavy debt load we were carrying. It started a few years ago, when we decided to start our own business, we felt it seemed to be going well but then work was not coming in as we expected it should and no one was wanting to pay when invoices were sent out. We were paying all the expenses with our personal credit cards which were starting to pile up. We decided to sell our home, thinking this would help, but all it did was relieve the stress for a short period of time. By this time the stress was becoming unbearable. We began looking at other options, in regards to paying off our debt. We went to three different banks to see whether we could consolidate our debt but no one was willing to help us out. I began searching the internet for options as I had heard there were some available. I came upon John’s company through the internet and liked the options and so I decided to call. Our first meeting was scheduled and we met with John in his office. John was very respectful, professional, and kind and never once did he make us feel uncomfortable. He told us our options, how he could work with the creditors and also what they would do for us in regards to rebuilding our credit. We felt this was just too good to be true. We made our decision the first meeting we had with John and felt very content knowing that there was someone out there that was willing to help us out. I am very happy to say that because of John we are now paying off our debt at a monthly fee that we can handle and we feel so relieved and the stress and pressure are gone. If someone were to ask me whether the results were exactly what I expected them to be I would have to say a big YES, John went above and beyond of what was expected of him. He never let us down on any of the situations we needed to go through and he stood by us with his support and encouragement. There were times that I felt, how was I going to manage the next step, but with John, he was calm and cool and just told us to trust him and we did. From the bottom of our hearts, we want to thank John! He has made our lives so much easier and we are truly grateful!!!

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!

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!!!

I have never been happier with my decision on getting help from you

I would like to send this letter with great gratitude to Jennifer Croft. Before I met Jennifer, I had about $42,000 worth of debt. I was experiencing financial difficulty to a point that I had suffered from depression that created more trouble for me as I was not able to work for a while. I have called and spoken to different kinds people for financial advised and helped through advertisements, websites and even banks but were nowhere close to getting an answer on how to deal with my financial trouble that I am comfortable with. When I sat down with Jennifer, she was able to give me options that I can live with and know that I will be able to go through. It was a tremendous relief that I was able to get all straighten out in short period of time when I was dealing with this by myself for the past 5 years. She was accommodating, very compassionate but firm on making sure I understand my responsibilities and consequences if I do not abide with the contract. She was very helpful, and complete knowledge of her financial advised. With my on – going debt relief program, I am now stress free and was able to go back to work knowing that I am able to pay my debt monthly and will soon see the end of all this. My sincere thank you to Jennifer for helping me out with my financial trouble, I have never been happier with my decision on getting help from you.