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Benjy Houser
  • Benjy Houser

  • 2311 Watkiss Way, Unit #103
    Victoria, BC
    V9B 6J6
  • (250) 882-5556

Debt Relief Counseling Victoria BC

Benjy Houser: 4 Pillars Victoria BC

My name is Benjy Houser and I'm the owner of a local 4 Pillars office operating in Victoria BC.

I am truly passionate about helping people and / or businesses improve their financial lives by helping reduce debt, increase cash flow and helping people protect their assets. Nothing gives me greater joy in business than seeing people's lives very much improved by this process of debt consolidation and restructuring.

BBB Accredited Business Seal

4 Pillars Consulting Victoria is a BBB Accredited Business. Click for the BBB Business Review of this Credit & Debt Counseling in Victoria BC

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The 4 Pillars Victoria, BC Debt Reduction Team

Some Victoria BC Testimonials

I was getting sued when I found 4 Pillars

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

Debt, the Ultimate Passion Killer

What are you passionate about? What gets you motivated and out of bed every day? Do you even remember?

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Truly a 5 star company

My wife and I had our financial world turned upside down on us and did not know how we could deal with all our problems. Then a friend recommended Benji and his team to us, and we are very happy he did.

They guided us thru their process and treated us with dignity and respect all the way. We would HIGHLY recommend 4 pillars (specifically Benji and his wonderful team) to anyone and everyone. Truly a 5 star company

Jim and Michelle, Victoria BC

You really changed our lives

Thank you Benjy for your help to steer us to better financial position. You really changed our lives. Your personality and the way that you explained the intricate details of finance led us to be in the financial position that we are now. We are debt free and we want to thank you.

Don and Patty Brett, Victoria BC

Tips on Saving for a Large Purchase

Purchasing a "big ticket item" should be viewed as a long-term goal because it will usually take a few years to save up.

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You can read more 4 Pillars reviews from Victoria residents at the bottom of the page. If you have a specific question, please feel free to email me directly. My contact info is on the right.

Your debt settlement and consolidation options

You actually have quite a few options for getting out of debt. Here are some of the most common alternatives to bankruptcy and debt relief options I've recommended to Victoria families and businesses.

We first help you get out of debt by working to actually reduce what you owe on your debts by negotiating a settlement (Informal Proposal) or a Consumer Proposal with your creditors.

Consumer or informal proposals have the ability to completely turn your financial life around. They will consolidate all of your payments into one simple payment that is much less money per month than your regular payments before the program. This makes it easier for you to pay your bills and living expenses, as you will have greatly improved your cash flow.

The other great benefit is that the proposal allows you to keep all of your assets and gives you protection from your creditors.

So in summary this program will make your life easier by reducing your debts, reducing your monthly payments, and helping you to keep the assets that you have right now.

So how does 4 Pillars Victoria actually get you out of debt?

The process is quite easy and simply starts with a short phone call or email to help us understand your situation.

We focus on making sure that our customers feel comfortable and are treated with the utmost respect.

Once we have the basic information we can formulate a plan and walk you through what can be done to help reduce / eliminate your debt or improve your financial situation.

From there we walk you through the steps to create your personalized debt reduction plan. You're in the driver's seat and we make sure that the plan will drastically improve your finances with the least disruption to your life. We love helping people enjoy seeing the difference this process makes to our clients lives.

About 4 Pillars

We are Debt Relief Professionals.

Quite simply put; we help people get out of debt and avoid bankruptcy.

Some people call it debt consolidation, some people call it debt restructuring, but at the end of the day, it is all about helping improve your financial situation by reducing your debt and freeing up your income so you can better take care of your family or business.

We can help people out with just about any debt related questions or challenges you may have.

If you live in Victoria, BC take the time to read these articles and get yourself educated on your bankruptcy and consumer proposal options

4 Pillars Personal Debt Restructuring: A Bankruptcy Case Study

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4 Pillars Personal Debt Restructuring: Growing up in Debt

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Our debt management programs

We have programs in place to help create a strong and sustainable budget, credit rebuilding and improvement, car loans, mortgages, and even debt settlement loans. The debt settlement loans are a one of a kind service that offers something to Canadians that no other company in Canada is offering.

This loan gives our clients the opportunity to get out of debt fast by combining this unique lending product and our 4 Pillars debt restructuring program.

The loan basically funds the payout of a consumer proposal, so you benefit from the reduction in debt and aggressively speeds up the credit rebuilding process.

This is only available through 4 Pillars and completely sets us apart in the industry.

My Victoria BC Office

Benjy works by appointment and so he is flexible to meet in the evenings as well as weekends.

Our address: 2311 Watkiss Way, Unit #103, Victoria, BC V9B 6J6

Mon,Wed, Fri – 9am-5pm

Tues, Thurs- 9am-7pm


Here are some local links to my sites:

Here is Benjy's Linkin Page: LinkedIn Page

Here is our BBB Profile Page: BBB Profile

Facebook Listing: FaceBook Page

4 Pillars Debt Victoria, BC Alternative Page: Debt Victoria Page

4 Pillar Reviews Victoria BC


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

I Just wanted to thank you so much for everything. From the time I walked in the door you treated me with respect and let me know that you were in my corner and working for me. The best thing I ever did was walk into your office. My financial life is now back on track and I owe it all to you. Cheers,

Barbara Drury.

Benjy, I would like to take a moment to thank you for helping with my financial situation, your expertise and attention to detail was a great relief to me and my family. Financial problems can generate a great deal of stress on people and your service was extremely helpful is helping me understand my rights and was able to show me a light at the end of the tunnel. I would highly recommend your service without hesitation. Thanks again Benjy..

Tom Southerland

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Benjy Houser
  • Benjy Houser

  • 2311 Watkiss Way, Unit #103
    Victoria, BC
    V9B 6J6
  • (250) 882-5556

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