I left feeling informed and confident

Debt reduced from $28.500 to $9.600

Blair was extremely helpful and very accommodating. I left feeling informed and confident in the choices I had. He explained everything clearly and answered all my questions. Very professional and friendly.

I can breathe again

Debt reduced from $46,000 to $14,400
$240/month for 60 months at 0% interest

My experience with Blair for debt counselling and relief changed my financial situation beyond my highest hopes. Blair was very empathetic and non-judgemental; I felt at ease immediately. He never pressured me to make a decision before I felt ready to. He took great care in searching out a solution that worked in the best interest of all parties involved. He helped to reduce my debt to a manageable amount and to get my financial situation under control. He was easily available to address any concerns and queries I had. I would highly recommend him. I can breathe again.

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

Before I met with 4 Pillars I was stuck, a drowning victim of sorts. I had nowhere to turn, there was nothing I could do. Now that I have gone through with my consumer proposal I can breathe, I feel free. It’s been a long time since I’ve stood on my own feet. Thank you. Jackie B

I have been a client in 4 Pillars for nearly Five Years. My situation five years ago was so dire that I thought it absolutely impossible to avoid bankruptcy and or get out from under the debt load I had at the time which was not far south of $100,000.00. My wife and I were given an option that totally changed both our lives and the way commerce really works. We were counseled on a couple of occasions through the process and in the end, we saw a dignified way to make our financial situation better for all. I have been making my payments on time every month for 56 months. Four more to go! Some months have been challenging, but I KNEW I was obligated to make it work. I have been operating without credit for nearly five years. Believe me, most people’s problems have been created by massive debt. I would say I have no problems. I have learned to very much live within my means. Yes, it means giving up the wants that we have or should I say wants that we are taught to want. My life is a bit more frugal. But I am much happier for it.S o when Sue explains to you that there is a better way, I promise you 4 Pillars is a Godsend that should grasp without hesitation!!

Just when I thought I would drown forever in my black hole of financial dude, sue from 4Pillars empathetically sat down with me, heard my situation and quickly went to work on a plan. With complete professionalism and confidence she removed all fears and embarrassments and guided me down the path to my financial rebuilding. This helped my self-esteem and gave me renewed hope. For the first time in years I feel like there’s a light at the end of my tunnel and I can once I can attain my goals and dreams. I give Sue Grubac my highest recommendation. Her soft manner will immediately have you feeling comfortable she is in between yourself and the bankruptcy officials and will act 100% on your behalf to find the best solution for you.

I thought I would drown forever in my black hole of financial doom

Just when I thought I would drown forever in my black hole of financial doom, Sue from 4 Pillars empathetically sat down with me, heard my situation and quickly went to work on a plan. With complete professionalism and confidence, she removed all fears and embarrassments and guided me down the path to my financial rebuilding. This helped my self – esteem and gave me renewed hope. For the 1st time in years I felt like there’s a light at the end of my tunnel, and I could once again attain my goals and dreams. I give Sue Grubac my highest recommendation. Her soft manner will immediately have you feeling comfortable. She will act 100% on your behalf to find the best solution for you with your creditors.

Now we have our life back

Debt reduced from $27,000 to $7,200
$120/month for 60 months at 0% interest

Our experience with Blair was great. My husband was off work for more than half the year last year and our bills got so we couldn’t handle them any more. We went to see Blair and he helped us see how we could get our life back on track and our finances back in control. My husband was very nervous about the whole process and Blair made him feel at ease at all times. Just an amazing process in all and now we have our life back. Thanks Blair.

Very friendly and helpful service and all of my questions were answered completely.

Dealing with past debt was a very high-pressure time for us, mostly the ‘not knowing’ what might happen. So many options, and lots of conflicting information. Bob took us through each process step by step, and greatly helped to reduce the worry. He gave unbiased opinions on each, and helped us make the right decision on dealing with my debt; the outcome was better than we could have hoped for. Sincerest thanks to Bob for his professional help, and personal courtesy during this time, thanks again Bob!

The outcome was better than I expected

$83,000 to $26,100

Blair was a positive beacon that guided us on this journey. He explained everything, told us what the options were, what he was going to do and what the possible outcomes would be. There were no surprises and the outcome was better than I expected.

To whom it may concern we found Sue Grubac to be very professional and efficient in our recent dealings with her. We would recommend her to anyone that is having financial problems in today’s economy. We only wish that we had heard about her and 4Pillars sooner as a great weight has been lifted off our shoulders. We are starting to live again.

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

At a very stressful time in my life; I found my consultant very knowledgeable & understanding. His compassionate & light hearted nature made the whole process easier. Melanie L

We felt heard and respected

Debt reduced from $16,500 to $4,200 and $40,000 to $4,800
$80/month for 60 months at 0% interest

A friend referred my husband and I to Blair Greenwood for financial crisis support and direction to resolve this crisis. From our first handshake we both felt we are in good hands. Blair is an outstanding professional, very knowledgeable and trustworthy. We felt heard and respected. Blair exudes confidence. His assertive presentation style was very comfortable.

A great big thank you to Bob and 4 Pillars Consulting Group! Bob took what seemed to be an overwhelming task and made it straightforward and easy to comprehend. Bob had an extreme amount of patience and answered any enquiry I had. Although it took me a while to come to terms with filing a proposal, I finally took the plunge and my stress and anxiety lifted immediately. All I can say is a Super Big Thank You for helping me!! I would highly recommend Bob and 4 Pillars to anyone who is weighed down by debt.

Hi Sue There are not enough words to describe how grateful I am for the guidance you have shown me through my difficult financial times. I realized that I did not have the ability to fix my debt and when I reached out to you for help you were able to give me guidance and discipline. I must admit, that I felt in a way that I might be scolded, yet you were the complete opposite of that and made me feel positive throughout the entire process. There is no doubt that you are brilliant at your job, but most important you care about your clients. For this I am forever in your “debt” 🙂 Thank you and God Bless

Sleeplessness and depression had been my constant companion until I found the way to be freed from my debts. The expert advise and respect that John and Jennifer at 4 Pillars gave me brought back my dignity and helped pulled my life together again. I will always treasure this lesson in my life. Thank you 4 PILLARS CALGARY!

This program really took some pressure off

Debt reduced from $37,000 to $19,800
$330/month for 60 months at 0% interest

This program really took some pressure off and has given me confidence in the ability to rebuild my financial future. Thank you Blair Greenwood.

Sue, I want to thank you again for all the support you provided to me when all of this started and I want you to know that your program saved my financial hardship. You were there when I needed a direction to turn to. Our future looks a lot clearer. I hope more people will find you and your services and trust that it will change their lives for the better. I trusted you from our first meeting because you didn’t judge my situation, but just listened and offered me a solution that worked. I cannot thank you enough for that and will always think of you if someone is in need of your services. I don’t like to visit that part of my life very often but I can now just smile and thank heavens that I have learned how to be a smarter spender.

I heartily recommend the services of Bob Hauck and 4 Pillars Kamloops. From the beginning, Bob impressed me with his ability to be at the same time realistic, clear-sighted, and reassuring. The awful stress of dealing with finances that had gone out of control began to dissipate immediately, and Bob worked hard to find the best possible way out of the crisis that I was in. It would be no exaggeration to say that calling 4 Pillars Kamloops and meeting with Bob changed my day-to-day life for the better. Thank you!

I started the process with Charlie in 2007. After 6 years I contacted Charlie again for his help in rebuilding my credit, and thanks to Charlie I am on the right path again.

I thought it was another dead end road to get out of debt

Before I met Charlie I was feeling stuck, as in stuck with my wheels spinning while going nowhere in regards to my debt. I was making the minimum payments while the interest kept piling up. I came to see Charlie with a semi – closed mind, thinking that it was another dead end road to get out of debt, however, moments into our first meeting I felt comfortable and confident that Charlie knew his stuff and could help. One year has passed since our first meeting and I don’t regret my decision to see him and use his services for a millisecond. I can’t wait to get everything paid off, and to start rebuilding my credit. Thanks Charlie!

I was so in debt and confused about money. I had no idea how to handle my debt and my lowered income. I came to Sue a total mess and she explained options and answered all my questions and gave me such a better understanding of money!!

I highly recommend my and family friends to see John and Jennifer for their service. I am so comfortable with their service. John listened to my situation I told him I didn’t have much money but I had high debts yet he helped me anyway. I am glad I am able to pay back my debt now and he made my life easier for me. JOHN NOT ONLY REDUCED MY DEBT, HE REDUCED MY BLOOD PRESSURE! It was high and now it’s normal!! Now I don’t have to go on a diet anymore lol! —–Samuel O.

Bob went above and beyond what I expected to help make a difficult time in my life as good an experience as possible with authentic, caring, personal attention and he had my financial best interests as a priority at all times.

Before I saw the 4 Pillars advert on Facebook I was considering settling my debt. Since meeting Sue i have felt very awesome about my choice to go forward using 4 Pillars to help me understand my choices and put together a debt restructuring.

Dear Jennifer, Before I found you on the internet and met you, I was drowning in my sea of debt not seeing a way out, It is very stressful and can cause all sorts of problems. I asked God for help. It took me 1-2 weeks before I call Jennifer of 4Pillars. Now, I would like to personally say a BIG THANK YOU for all the help you have provided me in negotiating and settling my outstanding debts! It’s a breath of fresh air to be able to answer my phone again and if it weren’tfor you, I would be still be sitting here ignoring the phone. The debts just got too much for me to even figure out a way to make everyone happy, so unfortunately I did the wrong thing and ignored everyone in hopes they’d just go away. As we all know that is so far from the truth! I will never hesitate to recommend you to anyone! So thank you again to you! I truly appreciate all the help you have provided. All the best to you all of you in 2013 and I cannot thank you enough!

I felt really good and upbeat

Debt reduced from $109,000 to $9,000
$9,000 lump sum paid

Blair is AMAZING! I still can’t believe what he has done for me. For years I struggled, my business was slowly going down. I felt trapped because of the huge debt that I accumulated. I thought that there is no way around it and that we will lose everything we own including our home. A good friend of mine told me to go and see Blair from 4Pillars. I was very skeptic at first, but after the first ten minutes of talking to Blair right away I felt really good and upbeat. There is a way out of the mess after all. He came in aggressively and reduced my debt from $123,000 to $9,000! Wow!

I cannot stress how wonderful it feels to have a manageable financial picture again

Debt reduced from $76,000 to $12,000

I would highly recommend Blair! He is extremely knowledgeable and competent regarding the consumer proposal process, and he was honest and helpful from our very first meeting right through the entire process. Blair put my mind at ease immediately, by showing me options to deal with my growing debt – options that I was not aware even existed. He was understanding and non-judgemental, which made a huge difference for me as I was someone who took pride in my financial management skills and I was struggling due to unanticipated circumstances over the course of many years. I had been looking for assistance and options to take care of my debt obligations in a manageable way. Although I was hesitant about the unknown when I first met with Blair, he put my mind at ease right away and provided me with viable step by step options, solid information and facts; and he was available and supportive throughout the entire process. I cannot stress enough how wonderful it feels to have a manageable financial picture again, and I owe it all to Blair! He was an absolute pleasure to work with and I highly recommend him!

4 Pillars is amazing, not only have they helped me solve my debt problems but they have also given me the tools and support to improve my financial situation for the future. They are knowledgeable, kind and supportive and I urge anyone who has too much debt to give them a call. You’ll be glad you did. Thanks 4 Pillars!

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

There is no improvement to be made. Adrian always covered all bases in an excellent manor when I worried about a certain issue always called me back in a couple of minutes to discuss the issue. I am feeling very content now. Stress free. So happy that my debts have been looked after. Monthly payments are low. Highly recommend Adrian! A+ in my books! Wonderful feeling. Gayle W

4 Pillars help us so much to be out from debt. At last we can sleep and feel comfortable and not worry too much on how to pay our debts.

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 to 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; their 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 BUT WE OWE YOU ONE! Sincerely, Misty R.

To whom it may concern, I have had the pleasure of knowing Sue Grubac for just over one year. From our first introduction meeting over coffee, Sue’s passion for resolving debt relief with individuals suffering from short sales, insurmountable debt, credit card debts and a variety of other types was very pleasant. I recently referred Sue to a client of mine that was going through a short sale. Without Sue’s time, dedication and experience the sale would not have been completed. Not only was she able to negotiate a short sale, but the entire debt load on this individual. Sue helped give this person smile back! I see this client frequently and they are walking tall again. I highly recommend Sue to any individual looking to know more about Credit, credit scores, building credit or if they have a debt load or short sale they don’t know how to sort out. Thank you for being there.

Blair was very creative in consolidating

Debt reduced from $137,000 to $39,000
$650/month for 60 months at 0% interest

The circumstances were much more complicated than most consisting of corporate and personal elements. Blair was very creative in consolidating both elements and the result was very positive. Blair’s restructuring strategy has enabled me to turn my financial picture around. Blair is completely professional in every regard. He responded to my emails and phone calls promptly and his answers were clear and accurate. I have nothing but positive comments and would recommend anyone who finds themselves in what seems like an impossible debt situation to contact Blair.

Bob, I want to express my sincere gratitude for your competence and effort in helping me with my financial distress. Your calm manner and clear education of this process put me at ease straight away. (My family is grateful for you too!) I will highly recommend you to anyone I may encounter with a similar dilemma. Thanks so much for all you’ve done, again and again, your help has been life changing for me.

Naturally we were extremely stressed trying to deal with our situation, and we had apprehension when we heard we had to pay a fee. I can honestly say that it was money very well spent, and we would recommend Charlie to anyone needing the service he provides. Thank you so much for helping us.

We came to 4pillars with over $130k debt to CRA. 4Pillars helped us gain control of our spending and debt Sue gave us tools for budgeting, saving, rebuilding credit and helped us build skills to save and secure for our financial future.

From the very first phone call, I could tell immediately that John and Jennifer of 4 Pillars Consulting Group (Calgary location) 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. 4 Pillars Calgary 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 cilents, 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 4 Pillars Consulting Group (Calgary Location)