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4 Pillars

There is a way out.

Find a debt solution that works for you.

We help to reduce your debt by up to 80% and get you back on track. Up to 97% of families successfully complete the plans we create and become debt free.

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Calgary Testimonials

  • Jennifer Virani

  • Suite 1800 - 330 5th Avenue SW
    Calgary, AB
    T2P 0J4
  • 587-441-5232
  • calgary@4pillars.ca

Calgary Testimonials


Dear Jennifer, Thank you so much for helping me with my debt! I was at the end of my rope when I met you. I had been struggling with this financial difficulty for 2 years, having 3 jobs, working 16 hours a day, stressed all the time, unable to focus, and marital conflict, just to name a few. Then you explained to me that I have options and I can do something about this debt. Because of your help, I was able to reclaim my life. Literally, you have helped me live again. Thank you so much and God bless you, Emily

Emiliy - Calgary, AB


Thanks to 4 Pillars in Calgary, my total debt was $38,590.23-now I pay 7,610 within 58months an they rebuild my credit and counseling course

Anonymous - Calgary, AB


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.

Anonymous - Calgary, AB


I have found the one who can look after my concerns and needs. Anna is my advisor and counsellor. Thank you 4 Pillars Calgary!, you're number #1!!!

Anonymous - Calgary, AB


I am surely thankful for your help to lessen our debts. May our Lord God bless you always

Anonymous - Calgary, AB


Everything was beyond my expectations!

Anonymous - Calgary, AB


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

M. Henry - Calgary, AB


My special thanks to you Jennifer for a wonderful job- you did on me with my debt. You are really down to earth person and very kind as well. Very professional and You treated your clients with respect and having full of understanding with their needs.Through your unfolded and amazing help I can able to enjoy life with knowledge of budgeting and saving money. I am proud to tell you that I am wiser person now just because of your great help and advice. Once again, Thank you for everything! GOD BLESS! To anyone who needed help to solve your financial problems, I would gladly recommend to get Jennifer's help is the smartest choice! Sincerely yours, Mary

Mary - Calgary, AB


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.

Anonymous - Calgary, AB


I had a wonderful time and lot of advices I got from Shannon..thanks a lot!

Anonymous - Calgary, AB


I was treated with respect and sensitivity. My advisor was genuine and kind. I would recommend this office to anyone who was in need.

Anonymous - Calgary, AB


Robert Shillingford took care of me and provided me with excellent service

Anonymous - Calgary, AB


Thanks a lot for the great help you've done for me, now I already have peace of mind. God is good he made a way how I found your company. Your employees were all nice & accommodating. Again thank you & more powers!!!!

Anonymous - Calgary, AB


Everybody at 4 Pillars has been amazing...going through a bankruptcy is not easy but Nicole and Shannon helped ease the burden, tremendously! Thank-you!

Anonymous - Calgary, AB


The people at 4 Pillars Calgary I have dealt with were professional and non judgemental which makes such a stressful situation bearable.

Anonymous - Calgary, AB


Hi Jen, I would like to say thank you very much for all of you for helping me to solve my financial problems.I will surely recommend 4 pillars to all my friends who has same problem with debt. Once again thank you and god bless. ---From: Carol

Carol - Calgary, AB


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, ON


I was really worried and stress how to cope up my bills payments.Until I got an email from 4 Pillars which I did not hesitate to book an appointment right away. When I arrived at the office I was greeted with a warm welcome in our dialect with Jennifer so I felt at ease and comfortable. And all of them are approachable with a smiling faces. Now my proposal was approved I'm happy and have peace of mind. No more worries and stress free. So I'm very grateful and very thankful for the great help solving my financial problems.Words can't even express my feelings. And I can save now for my holidays next year visiting my families. Thanks again to Anna and all the staff at 4 Pillars. Truly yours, Mar O.

Mar O. - Calgary, AB


Thank you from the bottom of my heart! I will not forget you 4 Pillars!

Anonymous - Calgary, AB


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

Anonymous - Calgary, AB


I am very very much satisfied with Janelle. Let me in turn congratulate you as well, John and Jennifer Croft for having such excellent staff. Well done!

Anonymous - Calgary, AB


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!

Anonymous - Calgary, AB


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...

Anonymous - Calgary, AB


Andrea is very friendly and accomodating when answering our concerns

Anonymous - Calgary, AB


I will recommend your company to a friend whose having difficulties in their financial problem just like me. It really makes me feel stress-free right now and i can save for my kids after this financial problem that i had.. Thanks 4Pillars Calgary for the help. God bless you all!!

Anonymous - Calgary, AB


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

Jodie - Calgary, AB


I first found the add for 4 Pillars in the coffee news in a cafe, I decided to call and find out what they could do to help reduce my debt, I had a call from John Croft, and made the appointment, I went to their office, and with all the info required from John, he was able to cut my debt by 80%. I was amazed at what John did to help me, and relieve the stress of creditors constantly calling, The fees are minimal for what 4 Pillars can do for you. Even after everything is taken care of, John still is there for any help and advise I have required regarding my credit, He will give you answers and point you to the right people, and help rebuild your credit, John has always returned all my calls, and still helps me with the right decisions, I recommend John Croft and the 4 Pillars Calgary team for all your financial needs, THEY WILL HELP YOU!

Anonymous - Calgary, AB


Thanks so much you guys are amazing! I already am spreading the word of what you do to everyone I know!

Anonymous - Calgary, AB


I was in debt for $116,000 due to a bad marriage. My wife left me with a mortgage that I could not pay and ended up in foreclosure. When I met with the trustee, they recommended that I go bankrupt but I didn’t want to listen to them and just give up. I’m glad that I hired John and Jennifer to help me instead. They represented me and helped reduce my CMHC mortgage shortfall debt down to $22,400. I didn’t have to go bankrupt just like the trustee recommended. My monthly payment is now $400 with NO interest! I am going be debt free in less than 5 years!

Jason C - Calgary, AB


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 them by a friend. I explained my situation and they immediately took action! They 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’s help was the smartest choice I’ve made.

V.F - Calgary, AB


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!

Anonymous - Calgary, AB


Hi Shannon, Thanks for your help and advise ,you explained me very easy and simple way.

Anonymous - Calgary, AB


You guys are awesome! Thank you for helping me lift my burden! Now I can actually relax without worrying where to get extra money to pay my debts. I did learn a lesson and will try hard to avoid to go to that route again. Thanks A bunch to all you at 4 Pillars Calgary!

Anonymous - Calgary, AB


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 and Jennifer’s website. I contacted them and they assured me over the phone that they could help me out. I must admit initially I was a little skeptical. I met with them and they were able to discuss various options. They seemed genuinely sympathetic to my situation. We were able to come up with a strategy whereby we would offer a 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 and Jennifer for all their help.

PC - Calgary, AB


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. 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 John and Jennifer’s advertisement and responded by filling out a form. We were contact by John and Jennifer the next day. My husband and I listened to their advice about my options, we trusted them to handle our debt problems. We had no hesitation when we decided to hire them to represent us and our best interest. We had an enormous debt that would take a long time to pay back. But because of their help, my debt was reduced from $35,400 to $8,400. My monthly payment is now down to $150. My husband’s debt was originally $24,600 and it is now down to $7,840. His new monthly payment is now $140.00. We knew that if we didn’t get the help we got from John and 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 their 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. Sincerely, D. Reyes

D. Reyes - Calgary, AB


Having met most of the counselors I am very certain that I will highly recommend 4 pillars to friends because I'm not only satisfied but even exceeded my expectation. A truly commendable service. Thanks so much 4 Pillars!

Anonymous - Calgary, AB


Thank you very much for helping our family. You've helped us out so much. Words cannot explain how thankful I am for your help. Without your help, my life would've not changed so much. Keep your good work. I hope you help more people like us. Thank you for your good service. God bless!

Anonymous - Calgary, AB


2 years ago, I walked into the 4 Pillars Calgary office and met with John, and it was an absolutely excellent experience to say the least, considering the position I was in at that time. I am currently half way through paying down my debt, and the nice part is, that is the only debt that I currently have. I am also proud to say that my credit card company isn’t too happy with me, because I maintain a zero balance, and I do use it regularly. I will continue to refer people to your services when needed. I am very happy to say that Jennifer and John were there when I needed the assistance, and all I can say at this point, is a very Big………..THANK YOU! -----Bill

Bill - Calgary, AB


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)

Anonymous - Calgary, AB


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

Anonymous - Calgary, AB


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.

Anonymous - Calgary, AB


I am very thankful to you and the Croft's whole staff for helping me to all my debts.Janelle is very helpful,polite, approachable to all the details I need to provide. Now my life is more easier than before. Thank you so much!

Anonymous - Calgary, AB


I feel good after talking to Shannon about everything going on now a days. I feel that my partner felt the same way too. Thanks for the support and help. I was assisted by Andrea in South Calgary. Very helpful from the start and gives you the right information you need to know. They treat their clients like family that they are there to help you.Thank you very much! Janelle was very helpful and I really felt she had my best interest in mind at all times! I plan to refer your services to my friend who is on the same boat as I am on her financial issues. I want to say THANK YOU to 4 pillars, Nicole, Tim, Janelle, Andrea who HELP me and gave their services, directed me on what to do. I have been living in hell with my financial issues when I got to know 4 pillars I utter the word HOPE. We are on our way of putting our life back together. Again more power and the almighty GOD bless you. elizabeth

Elizabeth - Calgary, AB


My husband lost his job from oil and gas company in Oct 2014 until present. I was pregnant with our first child and had difficulties in pregnancy, the reason why I worked as casual. I have no EI as well as my husband (he worked Contractual). It's been a tough time for us waking up everyday and worrying how to pay our mortgage, car loan, credit card and CRA. Until one time my friend recommended 4Pillars and also it appeared on my FB. Until June 2015 we set an appointment. The staff are very accommodating. You will not feel offended by them in how they handle to answer all the sensitive questions, especially me with postpartum. After all the meetings we finally get approved. My husband is paying $250 a month and me $80 a month for 5 years with no interest. What a relief for my family and a brand new start with our little one. 4Pillars changed our life. Thank you Anna, Hannah, Jen and John for helping my family. -----Anne

Anne - Calgary, AB


I guess I'm a slow learner. John remembered me making an appointment about 3 years before I actually got the guts to come and do something about my grim situation. He told me in our first meeting about talking to someone with an accent and an expensive latte addiction, not the timmys or starbucks type, much more expensive, but ooohhh so good. I am happy to say I have cut back from 5 or 6 a week to 1 or 2 :) I was mortified my financial situation had come to this. John, you were kind and caring, as were you, Jennifer when I met you in my 2nd visit. The last thing I imagined doing in meetings of this sort would be to laugh. You helped me see I was not a loser, but could turn this around. It was NOT even suggested I sell my horse, (my heart), and FOR THAT I WAS SO RELIEVED!! I still have some (a lot) of learning to do, still making some mistakes, but feel confident that with your help I can turn this around. Now instead of 3 steps back and 1/2 forward it has reversed. My stress levels have dropped significantly and even when I quit my job, which was terrible, John, I thought you'd be angry at the timing etc, but the reaction was the exact opposite. You understood the stress it was causing and were very supportive. It's a slow road, but things are looking way up. THANK YOU --Cathy

Cathy - Calgary, AB


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

J & N - Calgary, AB


Anna Lau is so passionate in helping.I will definitely be recommending you to my friends!

Anonymous - Calgary, AB


Shannon is very friendly and accomodating when answering our concernsShannon was very friendly,nice and very approachable.She explained everything so clearly.I will highly likely recommend it to people.Your company is very helpful to a person like me who badly need help.Thank you so much and God bless you all

Anonymous - Calgary, AB


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!

Anonymous - Calgary, AB


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 was not coming 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.

Anonymous - Calgary, AB


I am so grateful of all your help. All the staff are wonderful, John and Jennifer!. I wish your company will continue to grow because you've help so many people like myself. Thank you very much again!

Anonymous - Calgary, AB


Hi Jennifer, Thank you so much for finding your time to personally congratulate me! I want to say thank you 4pillars for all the hard work you did for making my consumer proposal finally approved. At least one of my problem now is being solved. My deepest gratitude to your team specially to Nicole Hemming who have been so nice, patient and understanding to my situation. Thank you for giving the opportunity to start anew. More power to your company and may you continue to help more people who are in the same situation like mine. Big thank you to all! God bless your company! Riza

Riza - Calgary, AB


This has been a difficult time in my life and I felt ashamed that I was struggling 4 Pillars never made any judgements and made me feel total comfortable and at ease . Thank you so much for all of your help !

Anonymous - Calgary, AB


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.

Anonymous - Calgary, AB


Hi Jennifer, I just want to extend my heartfelt thanks to you and all staff of 4pillars. I didn't hear before that there are people who works to help people get out of debt until I found your ad and read their good comments about you. I tried, though hesitant, to call and come to your office. Your staff were very pleasant especially the front receptionist Sheila. There's no bad feeling of condemnation when you are there because they don't look at you as bankrupt but all seems just wants to help. I felt so relieved now that I can pay my debts without being burdened by the interest but save some for me and my family. Thank you so much for representing me. I highly recommend you to people who need help with their debts. Sincerely, Eli

Eli - Calgary, AB


Janelle From 4 Pillars Calgary was fantastic. Professional but still personable. She made me feel at ease and was always available to answer questions. She's amazing!!!!

Anonymous - Calgary, AB


To everyone at 4 Pillars with a special thank you to Andrea Thank you thank you thank you! The financial help that you have provided for us has lifted a tremendous weight off our shoulders. Before seeing you at 4 Pillars Calgary, we were literally drowning in debt and wondering how we would get through after my husband was laid off and now we are able to pay out bills with the money left over in our savings! SO thank you from our entire household!

Anonymous - Calgary, AB


4 Pillars Calgary really motivated me to be out of debt and be stress free.

Anonymous - Calgary, AB


Thanks 4 Pillars Calgary for making this painful process a little bit manageable. It certainly is good being able to sleep again. I will recommend your services to a friend.

Anonymous - Calgary, AB


Hi Jennifer, The cause of my financial difficulty was due to our lack of proper budgeting as a couple. We used finance companies to keep up with our bills which was the wrong way to deal with our situation and it had become difficult to manage this debt load of $36,723 plus the accumulating interest which kept adding up month after month. You guys are blessing to my family especially with this kind of situation, and I am so thankful to meet you all! Thank you for reducing our debt down to $10,360 with no interest. More power to you and to your staff at 4 Pillars especially Ashley who helped us, you are all wonderful! God bless and have a wonderful day! Ken

Ken - Calgary, AB


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.

MJ - Calgary, AB


We are very impressed with the respect and client care that you provided. Not ever doing something like this before, we were kind of scared but you put our mind at ease and made us feel that we are making the right choice!

Anonymous - Calgary, AB


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.

Misty R. - Calgary, AB


Thank you! - From the bottom of my heart, thank you! I was drowning in an ocean of financial debt with no hope of getting out. My husband wasn’t working leaving me to support us and our two kids for more than half a year. The bills piled up, my income alone wasn’t enough to handle everyday expenses, let alone previous debts that were accumulating. Debt from paying for our wedding, and having two kids, poor decisions, one income and no plan in the present or future to pay it all off. We were introduced to John & Jennifer through a mutual friend. I first met with John, and in our appointment he gave me an honest assessment of my situation and options to think over. In our second appointment my husband came with me. John answered many of our questions and I was hopeful for the first time. However, my husband was out of a job and therefore John recommended that we not proceed at that time due to the fact that we wouldn’t be able to pay our debt proposal if we proceeded, leaving us worse off than before. Once my husband had a job I contacted John again, though my husband wasn’t interested in the idea of a debt proposal. My financial situation continued to get worse, affecting my marriage considerably. The stress was too much, along with other factors; we ended up going through a divorce. I contacted John once again to re-assess my situation as a single parent. John was honest, gave me ideas to work with and allowed me time to determine what course of action was in my best interest. I decided on a consumer debt proposal. From that point on John, Jen, and Hannah took me under their wings, took care of the details and put my file together and made an offer to my creditors. All of the calls, letters, demands from creditors stopped. Simply stopped! The weight of it all was off my shoulders, my head came up from under the ocean of debt and I could now breathe. I can’t truly describe how it feels to be able to focus on getting the rest of my life back together, to be able to support my two beautiful children and enjoy their childhood. My meetings with Jen after provided me with tools and a plan for my future so that I don’t make the same mistakes. She is wonderful to work with and truly understands what I was dealing with. She made the process easy and worked with my budget. It’s refreshing to have a financial plan, one that works for me and for my children. I wouldn’t be where I am today without the support and guidance from everyone at 4 Pillars Calgary. There were never any judgements. They accepted my situation and have made it possible for me to be a happy mother supporting amazing children. I am positive again, hopeful, and can finally see a future with a financial plan. They have given me the tools to teach my children better financial choices, and I will be able to lead by example. As I’ve said before – Thank you from the bottom of my heart – You’re all a group of Angels!

Anonymous - Calgary, AB


Every day I am so thankful that I met John and Jennifer. 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 of 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 worse about 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 two, 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!

Anonymous - Calgary, AB


Hello John and Jennifer! I cannot express the amount of appreciation that I have for your company. My experience with 4 pillars was very positive experience. I found this company to be very helpful with resolving my financial issues. I want to say thank you to Anna, Andrea and Nicole for helping and guiding me on what to do. They were always there when I had questions and made me feel very confident and comfortable in the steps of the process. I am now stress free and in control of my finances. I am now able to move forward and enjoying my life with my children. May you will continue to help others to regain their freedom. GOD bless you all. Thanks again, April

April - Calgary, AB


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 both 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. Regards, KN

KN - Calgary, AB


If not for you I really do not know how my life will be. You may a difference in every person's life. Thank you so much for helping in every way possible.

Anonymous - Calgary, AB


You are God's instruments to help my family

Anonymous - Calgary, AB


Dear 4 Pillars Calgary Team, I want to take the time to truly say how thankful i am to you, John and everyone at 4 Pillars The consumer proposal that you had designed for me was truly spectacular. It is with a great sense of relief that those mistakes from the past have been forgiven and i can move forward with my life for a brighter future. Thank you for all your assistance. I truly appreciate it! --Steven

Steven - Calgary, AB


Hello Jen, I just want to say that I am so grateful that I meet you and your husband. Words are may not be enough to thank you for all the things that you have done for me. During those times that I have no where to turn and run to. I don’t know if I will be able to look after myself and my family if I did not meet you and help me with my financial problems. I don’t know where to start my day during those days. the money problems is taking over my life that I started to lose my hopes and dreams to myself and family, but when you told me that you are going to help me get through it, it just take off the burden that is inside me. I actually get to sleep at night without worrying that tomorrow when I wake up I won’t be getting phone calls from creditors that is after me. You’ve been a big part of our lives today. Without you I don’t even think that I can take my kids to Chuckee cheese once a month. Without your help I don’t see my self having a cup of coffee in the morning. So from every chamber of my heart I want to say thank you thank you thank you thank you for standing beside me. Thank you for all the support you have given me emotionally and most of all financially. May the Almighty God bless you and your family.

Anonymous - Calgary, AB


Dear John and Jennifer, Thank you for helping us with our debt. We were in such financial turmoil my wife and I could not sleep. We were in a depressed state. Our marriage was slowly falling apart. We had so much debt that some months we were unable to pay our utilities and they piled up at some point to be 2 months in arrears. When I met you, you kindly explained your services to us on cutting our debt, 0% interest, and help us with rebuilding our credit. You listened to us, never judgmental and explaining that all was confidential. You were sincere and offered very openly your trustworthiness. And above all else, you have kept your word. You are very professional, reliable and sincere. Because of you, we are now in a place that we are slowly building our life back together and learning to live a comfortable life. Comfortable and cautious. Learning from our past mistakes and awaiting our bright future. Thank you for helping us see a bright future. Regards, R & M Family

R & M Family - Calgary, AB


I know I am on the right financial path because of 4Pillars!

Anonymous - Calgary, AB


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, AB


Hello John, How are you? I just would like to say thank you for all the help you have done for me. It wasn't an easy thing to do but with your help I feel so much relief. I pray that Id be able to pay it off sooner and it surely feels great to be debt free. I could'nt wait for that time to come. I sincerely appreciate your help! God bless- Annie

Annie - Calgary, AB


I used to dread hearing the ring on my telephone. It felt like there was always a bill collector wanting money. Before I met Jennifer, I had $43,000 worth of debt. I tried for years to make it go away. The stress was always there day and night. Whenever I would make any money, it would always get gobbled by the debt. When I met with John and Jennifer, I was able to see a way to have a real solution. They were able to explain things to me in a meaningful way without me feeling like I was being dehumanized. I have spoken to other so called 'experts' in the past who had very little clue how the financial world worked. John and Jennifer knew the options and helped me choose what was best for me. I have met with many other 'experts' who have an agenda of selling their product which was not the best product for me. For example, I have a friend who declared bankruptcy over $6,000! The 'expert' she talked to wanted to sell a bankruptcy. She was bullied into doing it so the 'expert' can get the sale no matter how bad it was for my friend. John and Jennifer will never do that. They are people of integrity and I would trust her advice again in the future. If you want your freedom back - call John and Jennifer!

R.M. - Calgary, AB


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

Mohammed - Calgary, AB


All staff was great to deal with. Fast and efficient service I found it to be. You certainly know you job and found to actually care about people too. Don't see that everyday now. Thank you very much for your help on this.

Anonymous - Calgary, AB


Im so thankful to 4 Pillars owners John and Jennifer who gave me hope to have a new life and help me a lot to back on track my finances to normal life. You saved me and my family financially. I value the great service for helping me to become a better person in managing my finances accordingly. Thank you so much and more power to all of the staff of 4 Pillars. You change Peoples lives! God Bless

Anonymous - Calgary, AB


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 them 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!

K. G. - Calgary, AB


Hi Jennifer, Thank you all at 4 Pillars for helping my family with our debt situation. WE felt it was a never ending cycle of paying way too much interest on the $21,0000 in accumulated debts. WE now see a light as your wonderful team was able to help reduce our debt to $6000, we now feel the weight lifted knowing this is achievable. I have already been recommending 4 Pillars to everyone.1 I am very impressed! - Chel

Chel - Calgary, AB


Before we met Jennifer our situation is very hard. Me and my wife are thinking every night, can't sleep properly because of our debt with high interest. We couldn't think straight and focus on our work because when the end of the month comes bills are coming. We almost surrendered at that time. But......when we've met Jennifer Croft she explained to us what our options are and what we need to do and what to expect. We shared our problems and situations to her especially to our debt that is more than $20,000.00. She was so patient listening to us and she explained how important it is, to have a budget and how to have savings. She help us to reduce our debt from $20,000.00 down to $4,200.00 paying only $70.00 monthly with no interest. She also make sure we are comfortable in all our meetings,she always encouraged us all the time,she's a good person. After all the trials in our life after we met Jennifer,NOW we can sleep without thinking Any debt,just because from 4pillars and of course for you JENNIFER thank you very much!! Now that our debt are all gone it really really change our life,Jen thank you again you help us LIVE again! God Bless us all,hope you help more people's in need like us. THERE IS LIFE AFTER DEBT!!!

Anonymous - Calgary, AB


Anna is very helpful and knowledgeable. I was very comfortable talking about my current financial situation with her because she is accommodating and shows sympathy. I am very happy and satisfied with her customer service. Also, I appreciate Shannon for explaining everything about credit rebuilding and shared a lot of tips to me.

Anonymous - Calgary, AB


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, AB


Anna, I just wanted to thank you for all your hard work and help. I have felt like a great burden had been lifted from my shoulders and heart. I smile and laugh more freely I am enjoying life with my family . I will recommend 4Pillars to anyone that I know who needs help. -----Dave I was really worried and stress how to cope up my bills payments.Until I got an email from 4 Pillars which I did not hesitate to book an appointment right away. When I arrived at the office I was greeted with a warm welcome in our dialect with Jennifer so I felt at ease and comfortable. And all of them are approachable with a smiling faces. Now my proposal was approved I'm happy and have peace of mind. No more worries and stress free. So I'm very grateful and very thankful for the great help solving my financial problems. Words can't even express my feelings. And I can save now for my holidays next year visiting my families. Thanks again to Jennifer, Anna and all staff at 4 Pillars. Truly yours, Rita

Rita - Calgary, AB


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, ON


About 7 years ago I got to a low point in my life. Getting into trouble, falling in and out of contact with friends and family, not caring of where my life was headed. And the worst part, not caring about being responsible with my bills. It was a hard hit to say the least. It made me feel like there was no way out. Once you realize in life, no matter who you are. There comes a point when you want to be normal, not afraid, and to be a man. When that moment hits you realize there is only one way to do this... You have to care and take responsibility. That being said once you've dug your hole it's extremely difficult to get out by your self. No matter how hard you work, or try to regain trust and show your trying as hard as you can will still be extremely difficult. Coincidentally enough one day I saw an add on Facebook for 4 Pillars Calgary with testimonials like this. It was hard to believe that there was a way, and people there to help WITHOUT going through a bankruptcy and destroying whatever you have left. I had to look further into this. Once I met with the staff at 4 Pillars here in Calgary, it definitely made me feel as if they truly are there to help. I had to accept and see where this would go as my options were limited. With a couple visits and meetings with 4 Pillars it made me happier and more at ease every time. THESE PEOPLE ARE AMAZING! I finally feel confident that my life will shortly be back on track. With effort on my part as well as the support and knowledge of 4 Pillars, my pride is helping me be less stressed and it lets me focus on being the man I should be. There is NOT a chance that I would have been able to do this alone. 4 Pillars here in Calgary have done MORE for me then I could have ever expected. I feel as if they are like a helping friend and with them I can achieve what needs to be done for my life. I can't thank you enough 4 Pillars Calgary!! Justin

Justin - Calgary, AB


Before I met Jennifer, my husband and I had $45,000 worth of debt. I was so helpless and depressed, couldn’t sleep well, feeling so stressed and my husband and I ended up fighting over discussing how to pay our monthly bills and high interest credit cards. John and Jennifer helped us cut our debts, pay 0% interest and rebuild credit. Right now, I came back to my old self, less stressed, financially and emotionally satisfied and with better budgeting skills. We can now start saving for a better future to our kids. To Jen and John---a million thanks!

S.Q. & M. Q. - Calgary, AB


After my divorce, I found myself facing financial trouble – credit cards out of control, bill payments falling behind, not able to make ends meet. I was staring at over $60K in un-payable debt. Then I met John and Jennifer. During our first meeting, they gave me options on how to fix my financial picture which consisted of debt repayment, debt reduction and a solid plan on how to rebuild my credit future. With their help, I am now on the road to financial recovery and looking forward to my clean slate. Without John and Jennifer’s help, I’m not sure where I’d be today. Sincerely, Cie

Cie - Calgary, AB


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. I chose to hire John and Jennifer to help me 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 their credit rebuilding program.

Dan H. - Calgary, AB

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