Below are 60+ reviews of 4 Pillars from real Canadians. These are ordinary people who found themselves deep in debt and knew they needed to seek professional help.

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4 Pillars Reviews

As Canada's largest debt settlement and financial literacy company, we've helped teachers, mill workers, computer programmers, police officers, business owners, plumbers, entrepreneurs, lawyers, factory workers, freelancers, and even retired Canadians.

Each year, millions of Canadians struggle with debt. Here are just a few stories from the thousands of families and businesses we've helped put debt behind them.

When you are ready to talk to a debt restructuring specialist in your city, just click here for a list of our 50+ offices across Canada.

These reviews were submitted from across Canada. They are unedited and unaltered. Have your own debt story from 4 Pillars? Email it to us and we'll add it to the list.

"I was 150K in debt and skeptical of 4 Pillars"

Over the last few years I had managed to run up $150k in unsecured debt. Mainly credit cards and line of credit. I had approached the Banks to secure a loan to pay off the debts, but because of the high minimum payments, I was not able to qualify for the payments, which would have been less than my minimum payments each month! Because of the high balances I was carrying, the interest rates kept creeping up and it was becoming a challenge just to make the minimum payments. I was losing sleep, and it was stressful for me and my family, just trying to make ends meet. I was constantly searching the internet for solutions to my predicament when I came across John's website. I contacted John and he assured me over the phone that he could help me out. I must admit initially I was a little skeptical. I met with John and he was able to discuss various options. John seemed genuinely sympathetic to my situation. We were able to come up with a strategy whereby we would offer a settlement proposal based on what I could afford to repay, on a monthly basis over a 60 month period. The settlement was agreed to by all parties (a pleasant surprise as I was still somewhat skeptical) and now I have a fixed monthly payment repaying a portion of the total debt, interest free. Having a strategy in place, and the ability to make my monthly payments has taken a huge burden off my back, and I sincerely thank John for all his help.

PC, Calgary

"I remember walking tearfully into your office"

Dear Robert, I remember walking tearfully into your office and you offered me hope. I can't tell you how much you've changed my life - I have no more sense of dread and anxiety that had discolored my days and kept me sleepless at night prior to meeting you. You structured and presented a consumer proposal for me that gave me back a future. Thank you for being so kind and patient and guiding me through your process in obtaining debt relief for me. Whenever I called to your busy day, you made me feel that I was the only person in the world in helping me get to where I needed to be.

Sue, West Windsor

"Every day I am so thankful that I met you"

Every day I am so thankful that I met you. My husband and I were in way over our heads, drowning in a sea of debt, and it was only getting worse. We didn't know what to do anymore. I was even afraid to answer the phone. How could we let it get this bad? We couldn't sleep anymore and it was starting to affect our jobs, our relationships with our family and friends, and especially our marriage. We tried everything to get out of debt including using all our retirement savings but nothing was working. All it did was make us feel worse. We still had the debt and now we had no retirement fund. Finally, we caught a break when we met you. Right from the start, you made us feel like you were there to help. You were amazing to talk to and didn't make us feel bad for our situation. You always treated us in a caring, professional manner offering solutions, not criticism. You explained all our options and helped us choose the best solution for us and our situation, and the best part was that no matter how many questions we asked, you were always there to answer and guide us.

Because of you John, I am now able to enjoy life again and my marriage is stronger than ever. I can even answer my phone again without fear of who is on the other end. My husband and I sleep so much better and have even been able to start thinking about our retirement again. You did exactly what you said you would do and for that we will always be grateful. I highly recommend your services to anyone who wants an honest, professional opinion and someone who truly cares working on this difficult situation.

Thanks again for everything.

KN, Calgary

"My financial heaviness in the past "

Helping out family over the years had brought me to the brink of unmanageable debt. I wasn't getting ahead no matter how hard I tried. I decided to surf the web for various debt relief programs, and settled on the one that I felt the most secure about, www.4pillars.ca. It was the best decision I made. Jane's knowledge and expertise helped me find the best solution. I can truly say, that after my financial heaviness in the past, I can finally "breathe" again. Thank you Jane.

P.S. This note is sincere and illustrates the depth of my feeling and represents my new found financial freedom.

Ruth C. Sarnia Ontario

"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.

Tammy and Edward, Strathroy, Ontario

"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.

K.B., Kelowna BC

" 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!

Juanita B., Castlegar

" 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!

William W., Kelowna BC

"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!

Don S., Kelowna BC

"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.

Frank and Lynda W. Victoria, B.C.

"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!!!

D. Reyes, Calgary

"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.

Mrs. Wong, Calgary

"$16,000 reduced to $6,600"

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. Thanks Adrian. ($16,000 original debt reduced to $6,600 ($110 x 60 months)).

Beth from Peterborough

"I had tried dealing with creditors and got nowhere"

My financial situation was out of control. Due to some not so good choices and health issues I found myself drowning. I couldn't provide for my children. After many years of trying to pay down I realized that I needed help. I met Barbara Sergius of 4 Pillars for an overview of what may be possible. At first I felt very irresponsible for getting into the situation I found myself in, and very anxious as I did not think anything was possible. I had tried dealing with the creditors myself and got nowhere.

Barbara understood how I felt, and due to her professionalism, business acumen and personal touch, I soon found myself much calmer and somewhat hopeful. I entered into an agreement with Barbara, 4 Pillars and the Trustee. Everything Barbara had suggested and told me has come to fruition. I have since had a consultation with Barbara's financial consultation services and now understand new ways of budgeting.

Barbara has helped beyond my expectations. I have learned from Barbara. I am enjoying a life with good choices and the freedom and ability to do right for my children. I am thankful and grateful for Barbara, her knowledge and professionalism.

Kent, Langley BC

" Light at the end of a long dark tunnel"

4 Pillars was the light at the end of a long dark tunnel - Zach provided the match! My concerns were dealt with speedily with no fuss. I highly recommend Zach & 4 Pillars. Thank you so much!

Bette, Retired, Markham

"$32,000 of debt reduced to $10,500"

I had been dealing with ********** (name removed), paying all kinds of fees with no results. After 4 months with ********* (name removed) I was frustrated. Came to 4 Pillars and everything was concluded completely in 2 months. Amazing - No stress - So professional.

Jen, Peterborough Ontario

"This information should be taught to everyone"

I appreciate that everything was explained to me plainly without any 'bells & whistles'. The consultation made me feel comfortable about a tricky situation. This information should be taught to everyone.

Cristina P., Kelowna BC

"$53,000 in debt reduced to $18,000"

We wish we knew about 4 Pillars a lot sooner, we had no idea this kind of help was available! It was so easy and comfortable and we have our life back on the right track, we can not thank you enough! ($53,000 original debt reduced to $18,000 ($300 x 60 months)).

Jeff & Roberta, Lindsay Ontario

"$83,000 in debt reduced to $24,000"

Our experience with 4 Pillars Consulting Group has been very positive. The realization and acceptance that our financial situation was beyond repair on our own was mentally and emotionally draining with a sense of failure thrown in. However, from the first appointment with Adrian Moore and throughout the subsequent meetings we were treated with dignity and kindness. He assured us this was not the end of our world; showed how there was a positive solution possible and so it has proved to be. His explanations of the debt reduction process; what to expect and what was expected of us were clear and timely so we were not overwhelmed. Also from the first appointment we felt a weight lifted and our lives became less stressful. We would highly recommend Adrian and the Four Pillars Group to anyone in need of debt restructuring advice and help. ($83,000 original debt reduced to $24,000 ($400 x 60 months)).

Kirk & Jane, Norwood Ontario

"It made a world of difference for us"

Let me say we are former clients of yours. I'm not sure if you remember but we used your services about 7 years ago and it made a world of difference for us! So thank you for that!

Rob S, Kelowna BC

"I couldn't provide for my children"

My financial situation was out of control. Due to some not so good choices and health issues I found myself drowning. I couldn't provide for my children. After many years of trying to pay down I realized that I needed help. I met Barbara Sergius of 4 Pillars for an overview of what may be possible. At first I felt very irresponsible for getting into the situation I found myself in, and very anxious as I did not think anything was possible. I had tried dealing with the creditors myself and got nowhere.

Barbara understood how I felt, and due to her professionalism, business acumen and personal touch, I soon found myself much calmer and somewhat hopeful. I entered into an agreement with Barbara, 4 Pillars and the Trustee. Everything Barbara had suggested and told me has come to fruition. I have since had a consultation with Barbara's financial consultation services and now understand new ways of budgeting.

Barbara has helped beyond my expectations. I have learned from Barbara. I am enjoying a life with good choices and the freedom and ability to do right for my children. I am thankful and grateful for Barbara, her knowledge and professionalism.

Kent, Ridge Meadows BC

"You were there to lift me up"

When no one would help me, you (4 Pillars) were there to lift me up and guide me to see the light at the end of a long distant tunnel and give me back hope. I am so happy that I will be completely debt free in 4 years! ($9,500 original debt reduced to $5,040 ($105 x 48 months).

Dan, Peterborough Ontario

"I can't thank you enough"

I can't thank you enough for helping me with my debt. I am so happy because I don't have to worry about how to pay my bills anymore. You made me feel so comfortable talking to you because I felt that I could trust you.Love Peggy.

Peggy, Sarnia Ontario

"No possible way to keep up with my credit card payments"

When I realized there was no possible way to keep up with my credit card payments and the stress was becoming too much to handle, I called 4 Pillars Consulting. After my first phone call, I already felt relief. Then, after meeting with Scott, my Turnaround Consultant, I felt like a giant weight had been lifted from my shoulders. He was able to drastically reduce my debt and turn my one monthly payment into something I can easily manage now. Scott is a real person who treated me like a real person, and can appreciate that people like me need help. The stress relief I feel now is great and I can go back to enjoying a stress free life.

LH, Kitchener Ontario

"I can breathe again"

I want to say "Thank You" again for all of your encouragement and help through a dark and stressful time. I can now breathe again and have my debt reduced by 70%! A huge weight has been lifted to make my life a much better place.

K&J, Kitchener Ontario

"$45,00 in debt reduced to $15,900"

When we were referred to 4 Pillars from a friend we thought our options were limited. After speaking to Adrian we saw the light at the end of the tunnel and got our first good nights sleep in months. ($45,000 original debt reduced to $15,900 ($265 x 60 months)).

Henry & Wanda, Peterborough Ontario

"We were facing bankruptcy"

Thank you so very much Pauline! Facing bankruptcy, losing the cottage and acknowledging the mess we were in were tough days! Your patience, your non-judgment, you calm reassuring smiles all made this process "do-able" for us. You were never too busy to return our numerous calls or emails. We say THANK YOU!

Betty & Bob S., Milton Ontario

"The harassment from creditors has stopped"

We want to thank you for helping us to get our finances back in control. The phone call harassment from creditors has stopped. We can now sleep at night without getting stressed out. We really appreciate what you have done for us. Thank You.

J&D W, Kitchener Ontario

"The call I made to 4 Pillars changed my life"

I had nowhere to turn, bills had piled up and creditors calling day and night! I couldn't even answer my phone any more. Then I saw the ad for 4Pillars and the call I made to them changed my life. They immediately helped me take charge of my financial nightmare! I no longer felt alone and have ongoing assistance whenever I need it! Today I am living a different life thanks to 4Pillars and it doesn't stop there! They are helping me to restructure and build my credit rating again. Their knowledge and expertise has given me a new beginning, a second chance and I highly recommend them to anyone that finds themselves in the claws of debt! Thank you so much 4Pillars!

Beverly, Guelph Ontario

"We are so thankful we found you"

It has been an eventful couple of months with car repairs and lower than normal commission but NOT particularly stressful because we had the funds to cover everything. I still have $3500.00 in my emergency fund after all the unexpected expenses. We cannot believe how different we are living with a manageable monthly payment. We now look at our budget each month and it is so nice to have money left over. We are taking the steps you recommended in rebuilding our credit score, we love being able to pay off our credit cards each month. We are so thankful we found you, reputable, honest and helpful. We are on the road to recovery and financial freedom.

Jennifer and Chris, Barrie Ontario

"You are a welcomed blessing in my life"

Thank you again so much for making me feel comfortable. You are a much needed and welcomed blessing in my life right now with everything that's going on. I am very grateful for that."

Steven, East Windsor

"Reduced my debt from $42,000 to $8,000"

When you told me you could reduce my debt from $42,000 to $8,000, I couldn't believe it. But you actually did it and now my stress is gone, thanks Frank!

GM, Brampton

"THANK YOU THANK YOU!!!! You are awesome!"

Dear Trevor: Thank you so very much Trevor! You are awesome! You have been such a BIG help to us! Thank you just doesn't seem enough but THANK YOU THANK YOU!!!!! You have made this very difficult time so much easier for us and your professional style is just outstanding. Reducing our debt from $76,000 to $27,600 has made all the difference in getting our financial situation under control. We now have monthly payments we can afford at zero interest so we can actually pay off our debt instead of just interest. Thank you so much!

T&C Lawrie, Oshawa

"I was very nervous and upset on my first appointment"

I had finally got out of my own way and left an abusive marriage. I struggled financially on my own for almost an year. My daughter suggested I make an appointment with 4 Pillars, as she had heard only positive things about them. I was very nervous and upset on my first appointment but Pauline put at ease right away. Pauline provided me with information that was very informative and easy to follow and understand. I am very thankful for the professional support and compassion Pauline has provided me. I now can see the bright side of life and am moving forward with a positive manner.

Heather D., Guelph Ontario

"I saved tens of thousands of dollars"

After many years in business I realized I was slowly sucking up equity from my assets to pay bills and slowly the debt started to grow. I thought my business was recession proof but came to realize that it was 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 4 Pillars 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 creditors. 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 tens of thousands of dollars and the phone calls and letters stopped. I was worried my name would be smeared and I would be an outcast, 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 free of 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!

CJ, Nanaimo BC

"Thank you for getting us through an awful time"

We just wanted to thank you for getting us through an awful time in our financial lives. We are so thankful that there are services out there that could help us start over without losing everything. We will definitely forward your name to anyone we come across whom we feel could use your services. Thanks again for helping give us a fresh start.
Steve and Andrea, Kitchener Ontario

"Words cannot express enough what you have done"

These words cannot express enough for what you and 4 Pillars have done for me and my family. I am so appreciative of the very quick work in handling my situation in such a precise and professional manner where my stress I was experiencing disappeared after getting the help I needed.

Dale, West Windsor

"You are amazing, from $44,000 to $9,000 in debt"

Thank you very much Frank for the great job. You reduced all my debts from $44,000 to $9,000 and wiped out the remaining interest. You are amazing.

JA, Brampton

"I highly recommend them to anyone"

I had nowhere to turn, bills had piled up and creditors calling day and night! I couldn't even answer my phone any more. Then I saw the ad for 4Pillars and the call I made to them changed my life. They immediately helped me take charge of my financial nightmare! I no longer feel alone and have ongoing assistance whenever I need it! Today I am living a different life thanks to 4Pillars and it doesn't stop there! They are helping me to restructure and build my credit rating again. Their knowledge and expertise has given me a new beginning, a second chance and I highly recommend them to anyone that finds themselves in the claws of debt! Thank you so much 4Pillars!

Beverly, Guelph Ontario

"I went from $1600 per month to $350"

Hugh the consumer proposal you suggested has given me a fresh start. I went from $1600.00 a month and interest to $350.00 a month for a consumer proposal. I now am starting to save money and thanks to you watch what I spend my money on. Thanks for all your help.

Peter, Burlington Ontario

"Your consumer proposal changed my life"

I want to thank you for all your help for getting me out of my debt problems. Right from the beginning I felt comfortable that your manner and professionalism would make my debt problems go away. My debt going away with the consumer proposal took away a lot of stress has changed my life for the better. Thanks again


Kelly, Burlington Ontario

"I can retire debt free in a few years"

One of my friends recommended Hugh to take care of my debt problems. I was scared that I had to go bankrupt. Hugh explained all my options very clearly and was very supportive of my physical pain and stress. Hugh gave me hope and now I feel I can retire debt free in a few years. Thanks Hugh

Zdenka, Burlington Ontario

"We are no longer desperate"

Hugh thanks. Roy and I are no longer desperate now that we can pay our debts off with the consumer proposal you suggested we do. We are now working daily on our budget and saving for the future. Thanks again Hugh!

Roy, Burlington Ontario

"Without you, our lives would have been very poor"

Once again, thank you for all that you did for me and my girls - without you our lives would have been very poor and full of stress and I wouldn't want that for my beautiful little girls - they don't need to know bad stuff or feel it for that matter. So, THANK YOU JIM!!!!!

NP, Hamilton Ontario

"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.

Andrew D, Mississauga Ontario

"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.

John G, Mississauga Ontario

"I will be debt free in 5 years"

By using 4 Pillars I was able to reduce my unsecured debts from almost $95,000 down to a payment of $375 per month and I will be debt free in just 5 years. By following the advice given, I am now back on track financially and living a worry free life again. If I didn't seek their help I would have lost my house, car and health.

Kevin, Ottawa

"She made a distressing situation bareable"

I am more than pleased to recommend the services Barabar Sergius at 'The 4 Pillars'.. she made a distressing situation bareable. She also made me feel like we were not alone in our situation. Always approachable, always returned an email, or phone call promptly, when I was concerned or had questions. She was very professional, and compassionate.

Debra, Business owner, Abbotsford

"That first meeting changed my day-to-day life"

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!

John B, Teacher, Kamloops BC

"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!

J.C., Kelowna BC

"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.

RA, Coombs

"My debts have been completely settled"

I originally signed up for debt help with a different company (not 4 Pillars) based out of Ontario and received very poor service and the bank actually decided to sue me. I was completely stressed out and didn't know where to turn.

In June of 2013 I went to see a lawyer to help me out with the pending lawsuit and my lawyer, introduced me to Benjy Houser who worked with 4 Pillars Consulting doing debt consolation and counseling. Benjy immediately met with me, we went over my debt, budgets, etc. I was feeling bad about the situation I found myself in but Benjy treated me with tact and diplomacy. He was never judgmental. I will admit that I was at first skeptical about dealing with another debt consolidation company, but Benjy put all those fears aside. I am pleased to say that after only a few months my debts have been completely settled and the lawsuit ended due to his great work. Benjy is truly a pillar in the community. I would without hesitation recommend him to my friends.

Kathy Remple, Victoria BC

"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.

Richard and Suzy M. Victoria BC

"I did not want to consider bankruptcy"

I would like to thank you for helping me through my very difficult financial situation last year. After my wife's death and a short term job loss I was left completely overloaded in debt and no idea of how to deal with it. I did not want to consider bankruptcy, but there was more money going out every month on debt payments than I was earning in income. Your assistance and advise was greatly appreciated as this was a very difficult time in my life and I am more than relieved now that my debts are dealt with. It fees like I have a completely fresh start and can begin to rebuild my life again. I would highly recommend you to other people that are going through similar financial problems. All your help and assistance was greatly appreciated. Thank you!

Ken Brett, Victoria BC

"I don't know where we would be without 4 Pillars"

I was such stressful times until I met Peter Temple. He has helped me by talking with me and discussing which way I should proceed with my life. I would recommend 4 Pillars to anyone and thankful that I found them. We were shocked how simple it was to dramatically reduce our debt. I don't know where we would be without 4 Pillars.

Terry B, Security Officer, Burnaby

"No judgement and with concise instructions"

This service was easily accessible and dealt with in a very personable manner. It was great to be met where I was with no judgment, and with understanding and clear concise instructions of what to do next. This service has helped me in moving forward and getting my life back on the right track.

Ken J., Kelowna BC

"There are options to dealing with your debt"

There are options to dealing with your debt, and an appointment to meet with Blair is a huge step in the right direction. Blair takes the time to listen to you and to understand your situation. Blair works with you to see your plan through to the end in a personal yet very professional manner. With Blair in my corner, I was able to sleep at night and am now able to look towards the future. Having 4 Pillars represent me turned out to be a very wise decision.

Karen J, Insurance Sales, Oak Bay

"I have recommended 4 Pillars to others in my position"

I have recommended you to others I have encountered in my position and want to once again thank you for helping me get my life (and finances) back in shape. Thank You for getting me through this difficult time in my life.

Carleen S, Home Support Worker, Victoria BC

"We were very desperate"

We were very desperate and Robert was willing to help us get through it all. I feel that this entire process went so well that I do not know how it could improve. We went from being desperate to now to now being relieved that we can get by with what we have.

Trevor & Jodi R., Castlegar BC

"Everything went exactly as you said it would"

Your expert knowledge and professionalism gave us the confidence to have you handle our debt settlement. Everything went exactly as you said it would. We are now debt free and are working on building our credit rating with your help. You are the best!

Dick and Mary H., Victoria, BC

"We were so far in debt"

I had never gone through an debt situation before and the feeling that I was letting everyone down upset me more. I was also overwhelmed on what to do. I was thinking that I will someday get money from somewhere and this problem would vanish. All this made me procrastinate, which only added stress because it was becoming difficult for us to make end meet. I was loosing sleep and my relationship was also suffering. I would thank god for helping me realize that this debts was not going away and used the services of Pradeep. I must admit initially I was a little skeptical. The reason was that I had approached Banks earlier to find out an way out this mess and I was told by them that they could not help me. They told me that I had excellent credit but was an very risky client. Like most of people I thought that Banks were the only source of advice. When I met Pradeep, he was very professional and compassionate in our meeting and explained all the options I had. He literally made me understand each step of the process, so that I knew exactly what I was doing. I was somewhat skeptical even till the end and was surprised when the creditors accepted our offer of paying back only an portion of the debt. I thank Pradeep for being so understanding of my situation and also taking off an huge burden of my shoulder.

Patrick, Edmonton

"My Son's debt spiralled out of control "

I want to express my appreciation for helping my son achieve financial stability once again. Over a period of time, my sons' debt spiralled out of control to the tune of some $90,000, due to the impact of a slowed economy on his business. It's fortunate that we found your office. You gave us excellent counsel on what steps could be taken to remedy the debt. Your professionalism stood out by treating us respectfully; with complete confidentiality. Today, as a result of successfully resolving his debt load, my son no longer feels the weight of the world on his shoulders. He's back to his old self again, living life to the fullest and enjoying family and friends once again.

HC, Red Deer Alberta

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