John and Jennifer Croft
  • John and Jennifer Croft

  • Suite # 111 - 10325 Bonaventure Drive SE
    Calgary, AB
    T2J 7E4
  • 403-668-6493

Nicole Hemming, Client Care Manager

If you're looking for financial relief in Calgary, our team of experienced advisors can help. We've helped thousands of Calgary families reduce their overall debt and avoid bankruptcy and we may be able to help you.

We know this time is stressful and feels hopeless - so make sure you read some of the stories of the people we’ve been able to help. While it looks hopeless right now, things can get better.

About Nicole Hemming

With more than 13 years' experience in the insolvency world, Nicole Hemming brings with her an incredible amount of knowledge and compassion. A certified insolvency administrator and certified financial counselor, Nicole understands the needs and struggles of people who are in debt. She brings her expertise to every situation to ensure the client receives the best advice for each situation.

She is passionate about helping others and loves nothing more than seeing her clients become debt-free and regain financial security, and along with that their hope and confidence.

When she's not at work, Nicole loves spending her time in the great Alberta outdoors going hiking, camping and planning her next adventure to explore new places.

4 Pillars is Licensed in Alberta

In Alberta, 4 Pillars Consulting Group is licenced as a Debt Repayment Agency.

A Debt Repayment Agency is licenced under the 'Fair Trading Act, Collection and Debt Repayment Practices Regulation' which legislates debt restructuring services to Alberta residents. We proudly meet and exceed all requirements under the Fair Trading Act to deliver the highest possible of standards in Alberta and in the rest of Canada.

Debt Repayment Agency Licence:

4 Pillars Consulting Alberta Licencing: Service Alberta - 4 Pillars Consulting Licensing Page

Warning: If you are considering the services of any Debt Management or Debt Repayment Agency in Alberta check the website to see if they are licenced. We do recommend that Alberta residents use licensed debt restructuring companies which are operating close to your area!

How we help you reduce your debt

At 4 Pillars, we specialize in helping people facing severe financial trouble. We provide a number of services to our clients, including:

  1. Professional and confidential consultations
  2. Debt Settlement Assessment
  3. Evaluation of both individual and family finances
  4. Negotiating with creditors
  5. Asset protection & refinancing recommendations
  6. Financial Literacy Program that includes budgeting, credit restoration and financial accountability.

John and Jennifer's Story: Who they are

Drawing on more than 13 years of combined work experience in real estate, finance, insurance and investments, John and Jennifer have a layered understanding of finances and the consequences of poor financial management.

Armed with that experience, along with a passion for helping people, they moved their family from BC to Alberta in 2010 to start their first 4 Pillars Consulting firm in Northeast Calgary. The business offers assistance in personal and business debt restructuring, credit rehabilitation and financial literacy education. One year later, they expanded their franchise territories to serve the entire city of Calgary and surrounding areas.

In November 2014, the Crofts expanded their business and became the franchise owners of Saskatchewan, opening offices in Regina and Saskatoon . The Crofts grew their business again in October 2015 and opened an office in Mississauga, Ontario.

The Crofts and their team have been representing the best interests of debtors and successfully interceded on behalf of more than 5,000 clients since 2010.

Last year, they received the 4 Pillars Franchise of the Year award for demonstrating dedication to franchise excellence through continued leadership and commitment.

The Crofts and their team consider it a great privilege to serve their clients and help them move from despair to hope. They feel blessed to have earned the trust of the families they serve in Alberta, Saskatchewan and Ontario.

The Crofts consider it a great privilege to serve their clients in this way and have been nominated multiple times for the BBB Blue Torch Award for Consumers Trust.

Calgary Nominations of Excellence

2014 BBB BlueTorch Award for Ethics

2014 Calgary Small Business Award for Excellence in Customer Service

Credit counsellors busy as Calgarians struggle with debt and unemployment

Watch our recent CTV news highlight on how 4 Pillars helps their clients consolidate debt payments while struggling with high credit card payments.

Credit counsellors busy as Calgarians struggle with debt and unemployment

How the debt settlement & restructuring process works

We know that debt is a deeply personal and difficult issues to confront. From your first phone call or meeting, you can expect any information you provide John and Jennifer to be kept confidential.

During your complimentary consultation, our team of highly experienced Advisors will walk you through the different options available to you, what your rights and responsibilities are, what the benefits and consequences are to each option, and the process of redeeming your credit score.

Our clients receive a full client care service thoughtfully designed to create a long term relationship that doesn't expire. Even after you are in a debt reduction plan, the door is always open to help you with ongoing budgeting and support.

Because of our long term approach, we are privileged to have earned the trust of the communities where we serve. We often find past clients coming in for continued monthly budgeting support and accountability to ensure the prevention of financial disorder from returning.

About 4 Pillars Debt Consulting Group

The 4 Pillars advantage gives our clients the peace of mind that comes from choosing one of the oldest and largest debt restructuring companies in Canada.

Our debt restructuring, credit rebuilding and budgeting services, offered through our Clients For Life program, allow us to assist our clients to remove the financial barriers they face, and move forward with their financial goals.

No other Canadian company offers such an integrated system for creating financial stability.

Our Calgary office

My office location is: Suite # 111 - 10325 Bonaventure Drive SE, Calgary, AB, T2J 7E4

Our phone number is 403-455-1743.

Call today to book a free one hour consultation in my office

Here are some of our local listings:

Here is our FaceBook Page: Member Listing

Here is our BBB Profile Page: BBB Profile

John Croft's LinkedIn Profile: LinkedIn Profile

Jennifer Croft's LinkedIn Profile: LinkedIn Profile

John and Jennifer Croft
  • John and Jennifer Croft

  • Suite # 111 - 10325 Bonaventure Drive SE
    Calgary, AB
    T2J 7E4
  • 403-668-6493

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