Benjy Houser
  • Benjy Houser

  • 2311 Watkiss Way, Unit #103
    Victoria, BC
    V9B 6J6
  • (250) 882-5556
  • benjyh@4pillars.ca

"Our experience was life changing"

Debt reduced from $36,000 to $7,500
$125/month for 60 months at 0% interest – Emily

Debt reduced from $59,000 to $16,200
$270/month for 60 months at 0% interest - Clayton

Our experience with Blair at 4 Pillars was completely life changing. The stress we had in our family before with financial debt was so high and due to contacting him it is now gone. Because of his support, understanding and knowledge we were able to reduce our debt to a very manageable payment. Many thanks Blair for being non judgmental and working so hard with us through a very tough time in our lives. I would highly recommend Blair, contacting him was the best thing we have done!

Emily A – Assistant Director, Clayton A – Painter - Victoria, BC


"Our lives are changed for the better"

Debt reduced from $52,000 to $18,000
$300/month for 60 months at 0% interest

Blair was absolutely wonderful, very professional. We are in a very good financial spot because of him...we can't thank him enough. Blair was very easy going and worked around our schedule, (kids, work) which most wouldn't do. I was very very stressed out about money and bills and Blair was so good with me...made me feel that everything would be ok.....Thank you again Blair, you changed our lives for the better :)

Chrissy & Kris M – Health Worker & Mechanic - Victoria, BC


"4 Pillars is an amazing company"

Debt reduced from $19,000 to $4,425
$73/month for 60 months at 0% interest

4 Pillars is an amazing company and helped me so much. I was told about them by a friend and very happy that she recommended them. They get the job done without questioning you, help you with your future finances and find out what you are needing to make it a successful and positive experience.

Cassandra H – Delivery Driver - Victoria, BC


"I feel a huge weight lifted off me financially and emotionally"

Debt reduced from $27,800 to $7,200
$120/month for 60 months at 0% interest

First of all Blair is a lifesaver. At no time throughout this whole experience did he make me feel embarrassed or uncomfortable. He knew exactly what I was feeling and going through and was there for me every step of the way. He is a true professional in every sense of the word. I feel a huge weight lifted off of me financially and emotionally, all thanks to Blair. If you are in debt trouble, go see Blair and he will guide you the process painlessly and with a smile. Best thing I've ever done. True story.

Erin S – Salesman - Victoria, BC


"I am very very happy with 4 Pillars"

Debt reduced from $17,500 to $3,150
Paid lump sum

4 Pillars has changed my financial direction from really awful to amazing. Blair Greenwood was very knowledgeable in helping me understand the process and making sure I got the best debt consolidation possible. From $17,500 down to a promise of $7,200 and a final agreement of even less: $4,200 PLUS a 25% clause if paid in full. I am VERY VERY HAPPY with 4 Pillars and would recommend them to anyone who is willing to do what it takes to move forward financially.

Jennifer R – Server - Victoria, 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


"I will be forever grateful for all that Blair and 4 Pillars has done"

Debt reduced from $63,000 to $9,000
Paid $9,000 lump sum through the Phoenix Fund

I feel that first thing that Blair did for me was put my mind at ease and make me feel like something was actually getting done. I had some government issues that I needed resolved right away and Blair did everything in his power to make sure my deadline was met and exceeded and with the best plan he could find for my situation. I will be forever grateful for all that Blair and 4 Pillars has done to help me get back on my feet with confidence.

Justin S – Restaurant Manager - Victoria, BC


"I am a true believer and would refer anybody I know to Blair with 4 Pillars"

Debt reduced from $65,000 to $10,500
$175/month for 60 months at 0% interest

Blair Greenwood of 4 Pillars has been absolutely fantastic throughout the whole proposal process. My options were clearly explained to me and I was very delighted how easy and straightforward they made it.

Blair was very effective and efficient as the whole process was completed and signed within 8 weeks of my initial phone call. I felt like a huge weight has been lifted from my shoulders. I am a true believer and would refer anybody I know to Blair with 4 Pillars.

He was a true professional and can’t thank him enough for his help.

Brian N – Mechanic - Victoria, BC


Going through financial difficulties was something extremely stressful for me. Chris helped and guided me through the whole process and makes things smoother and easier. He never judges me like the bank did when I asked for help. Instead, he explains me all solution to my specific situation. So, I took the best decision. He helped me with all the process, answered all my question very quickly (and I had A LOT of question! !!) Asking Chris to help me was one of the best decisions of my life. If you feel you need help, it's probably because you need some. And I can tell, Chris it's kind of person who really want to help.

Caroline G - Victoria, BC


"I wish I had done this sooner"

Debt reduced from $50,000 to $14,500
$250/month for 58 months at 0% interest

I love 4 Pillars. I wish I had done this sooner. Blair walked me through every stage, making sure I completely understood everything. If I had any questions, Blair responded very quickly and made sure I was clear about everything. I felt supported the whole time and would recommend anyone needing financial assistance or options you need to work with Blair at 4 Pillars.

Alison M – Healthcare - Victoria, BC


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 - Victoria, BC


"I would highly recommend anyone in a hard place to take that step"

Debt reduced from $15,500 to $4,640
$77/month for 60 months at 0% interest

Blair made me feel very at ease and comfortable with my decision. He was upfront and honest and always responded very promptly to my many questions. It was a real pleasure dealing with Blair and I would highly recommend anyone in a hard place to take that step and feel the relief!!!!

Jennifer D – Payroll Data Clerk - Victoria, BC


"My financial future some seems brighter than it ever was"

Debt reduced from $54,500 to $13,200
$13,200 lump sum paid through the Phoenix Fund

Blair helped me understand all the options I had when it came to getting my financial situation figured out and under control. I had reached a very high point of stress trying to solve things on my own but simply after sitting down for one meeting and going over all of it I could already start to feel some of my stress leave. There is still some work for me to do now to help get things back in order, however Blair has been extremely helpful in offering advice and help and my financial future now seems brighter than it ever has.

David G – Produce Manager - Victoria, BC


"I highly recommend 4 Pillars to anyone that wants a fresh start"

Debt reduced from $88,000 to $12,000
$200/month for 60 months at 0% interest

I was reluctant to start this process, but once I did start, Blair was extremely helpful and reassuring about the outcome being worth it. I highly recommend 4 pillars to anyone that wants a fresh start with their lives and becoming debt free in a realistic timeline.

Sean B – Contractor / Project Manager - Victoria, BC


"I have been extremely happy with the service and knowledge"

Debt reduced from $22,500 to $4,350

I was mortified and humiliated to find at the age of nearly 70 to find myself in so much debt. I phoned many companies and started to think I was dealing with seconded hand car dealers they all seemed very fast talkers and would not answer my questions over the phone I felt pushed for me to come into the office. This was not the case with 4 Pillars I made an appointment at my convenience and did not feel pushed or harassed into making one. I was very surprised when I met Blair Greenwood a very well educated and eloquent young man. We talk about my problem, he understood my situation and laid out all the options for me. I have been extremely happy with the service and knowledge Blair has given me I would be more than happy to recommend Blair and 4 Pillars to anyone who finds themselves in this difficult and embarrassing situation.

Kevin P – Retired - Victoria, BC


How do I thank you for the peace of mind you have provided me? No more creditor calls, no more collections and my credit rating is on the way to mending. Fantastic!! I would highly recommend you to anyone with debt issues.

Chris. Robert J. - Victoria, BC


Michel and I were really at our wits end - we could not see how we were going to pay back our debts after a downturn in our business. We felt ashamed that we could not meet our financial obligations. Then we met with Chris Grew who was able to put our situation into perspective. Thank you so much Chris for putting our fears to rest and giving our self respect a much needed boost. We would have no hesitation in recommending 4 Pillars, i.e. Chris Grew. He is not only understanding but explains the options available. Thank you so much.

Marion Desrochers - Victoria, BC


"I highly recommend his services"

Debt reduced from $51,000 to $19,200
$320/month for 60 months at 0% interest

I am so glad that I pushed past my initial fear of speaking to someone about my overwhelming debt. Blair took an unpleasant situation, and made it a very positive experience. I highly recommend his services.

Sarah L – Bookkeeper - Victoria, BC


"I was pleasantly surprised"

Debt reduced from $89,000 to $21,000
$350/month for 60 months at 0% interest

I was very pleasantly surprised how smoothly Blair was able to orchestrate dealing with the financial disaster that I was encompassed in.

Mark B – Developer - Victoria, BC


Chris was amazing to work with, he was so helpful and was so wonderful in making sure that I understood everything that was happening. He answered my questions after hours and on weekends. I would highly recommend if you need help with your finances Chris is the one to help you. From, One very happy client, Crosbie Bourdeaux

John Bourdeaux - Victoria, BC


"We encourage that anyone doing a proposal have a professional working for them and not the banks"

Debt reduced from $200,000 to $51,000
Paid with a lump sum

Upon selling our business we found ourselves unable to pay off all debt owing. Blair Debt Consultant @ 4 Pillars, was recommended to us. We found him to be kind, compassionate, understanding and extremely easy to deal with. We were immediately put at ease. Blair represented us through a proposal to our creditors and removed the stress from our situation. He set up and determined a fair settlement that our creditors agreed to. The process has brought sanity back into our lives. We encourage that anyone doing a proposal have a professional working for them and not the banks. We highly recommend Blair and his company 4 Pillars and can't thank him enough for all he did for us.

David & Dianne D – Retired - Victoria, BC


Chris, Thank you so much for your guidance through the process of dealing with my debt. I was at my wits end and you explained my options and supported me through each step. I especially appreciate how quickly you responded to emails or phone calls each time I became anxious about something. You are a wealth of information, a pleasure to deal with and you have a fine sense of humour - which always helps. I look forward to working with you as we rebuild my credit over the next couple years.

Sara Pittman - Victoria, BC


"It really was a great experience"

Debt reduced from $30,300 to $6,000
$100/month for 60 months

Going into this I was sceptical. Right off the bat Blair shed light on the whole process and helped me understand my options. I would 100% recommend 4 pillars to anyone in financial distress. It really was a great experience. Thanks Blair!

Bryan M – Welder - Victoria, BC


"He had my best interest in mind"

Debt reduced from $51,000 to $14,000
$14,000 lump sum paid

Blair was friendly and welcoming. While being a knowledgeable professional, he made me feel comfortable and at ease speaking with him about my situation. I always felt like he had my best interest in mind, and having him working for me took the weight off my shoulders. The positive outcome let me get on with my life without the stress I had been dealing with. And anytime I had a question Blair was quick to answer and reassure me. Thanks so much Blair!

Jason P – Business Owner - Victoria, BC


"Blair was very creative in consolidating"

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

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

Dave J – Project Manager - Victoria, BC


I would recommend Chris to anyone. He has your best interest at heart and will change your life making it stress free!

Nancy Palma - Victoria, BC


"He worked hard to accomplish the best outcome for me"

Debt reduced from $21,800 to $5,000
Paid with a lump sum

Right from the beginning I was made to feel comfortable and was put at ease with my situation. Blair showed the utmost professionalism and worked hard to accomplish the best outcome for me and my future. I would highly recommend Blair and 4 Pillars to anyone who wants a second chance at having credit and financial freedom once again.

Andrew K – Shipper/Receiver - Victoria, BC


"4 Pillars is amazing"

Debt reduced from $38,000 to $9,900

4 Pillars is amazing. Very helpful and friendly to deal with. Thank you for everything!

Adam G – Driver - Victoria, BC


"Very professional and helpful"

Debt reduced from $47,000 to $15,000
$250/month for 60 months at 0% interest

My experience was amazing ,Blair made my financial situation less stressful and made me feel like a real person and that I wasn't alone. Very professional and helpful , Blair changed my life, thank you.

Jason D – Operator - Victoria, BC


"Key step in resolving a decades long debt issue"

Debt reduced from $110,000 to $31,750
Paid $10,000 lump sum and $362.50 for 60 months at 0% interest

Working with Blair was the key step in resolving a decades-long debt issue. It is impossible to underscore how important working with him has been in moving a debt issue to a place that is finally manageable. Blair is patient, understanding and knowledgeable. I'd work with him again in a heartbeat. I've already referred friends to him. Call him.

Bowen M – Communications Coordinator - Victoria, BC


"Blair got me the best deal I could get"

Debt reduced from $112,000 to $24,000
$400/month for 60 months at 0% interest

Blair was excellent. He stuck with it and got the best possible deal we could get. He guided me through the process with great communication. Highly recommended.

Darryl W – Mechanic - Victoria, BC


"You have changed my life"

Debt reduced from $64,800 to $13,200
$220/month for 60 months at 0% interest

The stress I was under before my consumer proposal was unimaginable. Blair dealt with me and my situation in an extremely professional and compassionate manner.

I am forever grateful to Blair and 4 Pillars. You have changed my life.

Holly V - Administrative Assistant - Victoria, BC


"It was one of the best decisions of my life to use the services of Blair / 4 Pillars"

Debt reduced from $29,000 to $6,000
$100/month for 60 months at 0% interest

Two years ago I had an accident at work which left me with a partial disability. This year my mother passed away With all this I could not afford to pay my debt. I followed the advice of a good friend who told me about Blair and 4 Pillars. It was one of the best decisions of my life to use services of Blair as my debt consultant . He treated me with respect, never judging, and his kindness and smile made me feel so secure that everything will be okay and it was. He was able to do exactly what he said by reducing my debt from $29,000 to $6,000!

Thank you Blair Greenwood for taking away the tonne of weight I was carrying on my shoulders. You gave me back my peace of mind again.

Patricia C – Home Care Aid - Victoria, BC


"This was a life changing opportunity"

Debt reduced from $90,000 to $28,500
$475/month for 60 months at 0% interest

Blair was exceptional from start to finish. He calmed me immediately from the extreme stress of the financial pressure and assisted me to develop and execute a plan with the most successful outcome. Blair was highly professional, honest, caring and non-judgemental. This was a life changing opportunity and I am going to make the most of it and never find myself in this situation again.

Diane G – Marketing Manager - Victoria, BC


"I am now completely debt free due to Blair’s expertise"

Debt reduced from $38,000 to $7,000
Paid $7,000 lump sum

I am writing this letter on behalf of my consultant, Mr. Blair Greenwood of 4 Pillars. I was experiencing a serious debt problem which was spiralling out of control when I had the good fortune to come across Mr.Greenwood's business card at a local establishment. I called Blair Greenwood and we arranged a meeting. Following our initial talk, Blair laid out all the options for resolving the issue and we made a decision that was the correct one. Blair also kept me updated as to the progress of the settlement. Blair worked very hard to resolve my difficult situation and save me the maximum amount of money. My case was disposed of quite quickly, and at reasonable cost to my full satisfaction and I am now completely debt free due to Blair's expertise. Blair also continues with follow up calls, and definitely shows ongoing interest in his clients. Therefore, I would highly recommend Mr. Greenwood to those who have debt problems and need a professional advisor.

Ian R – Security Guard - Victoria, BC


"Everything went exactly as Blair said it would"

Debt reduced from $44,000 to $16,200
Paid $16,200 lump sum through the Phoenix Fund

When family emergencies seemed to come one after another, our finances just couldn’t keep up and we began to rely on credit. Suddenly the minimum payments were just too much. Blair very quickly gave us confidence in his ability and in the process. He walked us through each step reassuring us that there was a light at the end of the tunnel. Everything went exactly as he said it would. We are now stress free and have hope for the future once again. Thank you.

Lori & Keith R – Office Manager & Driver - Victoria, BC


Chris knows his stuff inside and out. He saved me from drowning in debt and I no longer have that panicky feeling every time I think about my finances. And since making my consumer proposal a year and a half ago, he has helped me rebuild my credit. If you're in debt and you can't see a way out, you need to call 4 Pillars and ask for Chris Grew.

Christina Hilborne - Victoria, BC


"He did not disappoint"

Debt reduced from $21,800 to $7,500
$125/month for 60 months at 0% interest

As soon as I sat down with Blair and we started talking about what he could do for me I felt at ease. He walked me thru the process step by step and as things started to fall into place, Through the entire process he has made me feel at ease and positive about what 'we' could achieve. And he did not disappoint. Everything has gone smoothly and I am happy to say I will soon be on my way to getting my credit back on line. I wish I had known about him sooner, He has really made this a positive experience and I would recommend him without hesitation.

Cheryl L – Office Manager - Victoria, BC


"There is no judgement, only understanding"

Making the BIG decision to have someone finally help you with your ongoing crisis of financial instabilities and getting advice on what to do to make all those nasty calls stop is a Huge Step.

I had been contemplating it for a few years but was always ashamed that I was not able to handle it all myself. I felt as if I was letting both the companies and myself down as I had make promises to them to make payments that I was sure I could work into my already tight budget. Of course I couldn’t and this is where the shame and embarrassment came in. Now I was avoiding all those calls hoping they would just get the hint and go away. They didn’t.

I was told about 4 Pillars and thought that it would not kill me to at least check them out. So onto their web site I went and filled out the info required and very shortly thereafter Blair contacted me and the process began.

Right from the start Blair put me at ease and reassured me that I was not alone and that this is just another part of the business. We went over all my options and we both agreed that bankruptcy would be more beneficial to me than a consumer proposal as mainly I had JUST enough income to live day to day and owing the amount I did, I still could not make payments of any kind to anyone even if it was a lowered amount.

Blair has assured me many times in the past couple months that I have known him that he would be there for any and all questions and/or concerns while dealing with my bankruptcy and he HAS been there and has answered many questions for me. Blair has made the decision to go bankrupt an easy one. With him just an email or phone call away I feel as if I am not alone anymore and I do have someone reliable to trust and get clarifying information from when I am befuddled with how to claim, what to claim, where to claim it etc.

In short I would recommend Blair to anyone who is having issues with their finances and who may need to look into either consumer proposal or bankruptcy. He is knowledgeable and helpful and I am truly thankful for him and the help I have received. There is no judgement only an understanding that this is part of life and he has made it perfectly clear to me that he is here to help me get back on my feet.

Meeting with Blair and dealing with my finances has been a freeing experience.

Thank you Blair!

Tamara H. – Business Owner - Victoria, BC


"I thought this opportunity seemed too good to be true"

Debt reduced from $71,000 to $19,500
$325/month for 60 months at 0% interest

I am writing to share with you my tremendous sense of relief and empowerment. Working with you to process my Consumer Proposal was a delight. You were always there to answer my questions in a way that I could understand and I am still in awe of how available you always were. Prompt responses with easy to use information.

I did a lot of investigative work to ensure that you and 4 Pillars had credibility because I thought this opportunity seemed too good to be true. I now know that this is legal process overseen by the government and it was important to have my own representation.

It is so great to know that I am now on the path to having the financial freedom to enjoy life. My payments are easy to manage but the peace of mind is really the fantastic part. I am no longer worried and behind all of the time.

Thank you so much for all you have done for me Blair!

Dawn C – Clinical Counsellor - Victoria, BC


"Debt reduced from $28,000 to $12,600"

$210/month for 60 months at 0% interest

Mine was a complicated and drawn out procedure but Blair was very patient and helpful and went above and beyond to help me. I cannot thank you enough Blair!

Harvey M – Store Manager - Victoria, BC


"You will be in excellent hands"

Debt reduced from $31,000 to $6,000
$100/month for 60 months at 0% interest

It was a pleasure to have met Blair during the financial circumstance I was in, the strength and leadership he asserts is deeply appreciated. His integrity and kindness are some of his greatest strengths and is reflected in his business practices. I would not hesitate to recommend Blair, he is the lighthouse when you are sinking, and a calm amongst the storm as you rebuild your financial stability and achievements. I am confident, in consideration of debt restructuring you will be in excellent hands choosing to have Blair guide you through this process. With Blair’s knowledge and professionalism he is exceptional in his field.

Michelle H – Debt Collector - Victoria, BC


"My worries are over"

Debt reduced from $24,000 to $6,000
$100/month for 60 months at 0% interest

I was feeling like I had nowhere to go, I was financially drowning. Working with Blair, my worries are now over. At no time did he ever make me feel ashamed for the position I was in. Blair was very personable and made the whole process that much easier. He saved me and I am very grateful for his financial services.

Thanks again Blair!
You ROCK!

Melanie B – Business Manager - Victoria, BC


"I can finally move on with my life"

Debt reduced from $21,900 to $5,400
$90/month for 60 months at 0% interest

Blair was so helpful and professional right from the beginning. I was at a point where I felt hopeless and helpless. He was non-judgemental and made me feel like we could work together to solve my debt crisis. The solution that we created is so fantastic and completely manageable. The feeling of relief was so overwhelming that I shed tears of joy! I can finally move on with my life in a positive direction thanks to Blair's assistance.

Anastasia K – Nursing Unit Assistant - Victoria, BC


"Do your research and find someone local"

Debt reduced from $12,500 to $4,500
$75/month for 60 months at 0% interest

I contacted Blair after already dealing with another company for a couple of months and glad I did. All I can say is do your research and find someone local that will work with you. Blair explained all the options to me. I didn't have a huge debt load but it was enough that I knew I need help. He was able to get my debt reduced from $12,500 to $4,500 in a very quick time frame. I now know my financial future will be in good hands. Blair is obviously very professional but he also makes you feel at ease and doesn't talk down to you because of your financial problems. Thank you Blair

Randy C – Electrician - Victoria, BC


"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


"I am able to make payments and become debt free in the near future"

Debt reduced from $18,000 to $5,400
$90/month for 60 months at 0% interest

With 4 Pillars service I was able to have my debt decrease from $18,000 down to $5,400. Now I am able to make payments and become debt free in the near future. Blair was very informative and professional and would recommend him to friends who needs assistance with managing debt.

Kenneth L – Administration Officer - Victoria, BC


"Having 4 Pillars represent me turned out to be a very wise decision"

Debt reduced from $204,000 to $33,000
$550/month for 60 months at 0% interest

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 - Victoria, BC


"I was quite surprised what Blair was able to negotiate"

$64,000 to $10,700
$185/month for 58 months at 0% interest

Thank you for all your help in restructuring my debt. I had no where to turn, except going bankrupt. This was a difficult process to go through. Blair was quite professional and was able to respond to all my questions. I was quite surprised what Blair was able to negotiate on my behalf.

Gregory H – Retired - Victoria, BC


"The day I found Blair was the first day of the rest of my life"

Debt reduced from $23,000 to $12,000
$200/month for 60 months at 0% interest

Blair is very good at explaining all policies, procedures and making sure I understand everything. He kept me calm in a time which I was very stressed. The day I found Blair was the first day of the rest of my life! I will recommend 4 Pillars and Blair in particular.

Deborah T – Hotel Management - Victoria, BC


"Very knowledgeable and very supportive"

Debt reduced from $29,000 to $11,400
$190/month for 60 months at 0% interest

I was initially hesitant to proceed with the proposal process, but once I spoke with Blair and he walked me through everything I felt much more confident. He came highly recommended from some friends of mine and I am quite glad they pointed me in his direction. During the initial meeting he was very thorough and very honest about my options and what he could do to assist me. Blair was very professional and accommodating, and made it a point of always being available when I had questions from time to time. Very knowledgeable and very supportive and he illustrated how the proposal was a good decision on my part, even though I had some hesitation initially. I would recommend him to anyone I know who may be considering a similar choice with their finances.

Byron M – IT Consultant - Victoria, BC


"I was amazed at how fast it went"

Debt reduced from $16,000 to $5,400

I had no idea what this process entailed but right from the very first meeting I felt a sense of relief and trust that Blair gave me. He was very efficient and made the process very quick and stress free. I was amazed at how fast it went and how quick Blair answered all my email. He made this process a very positive one and I have recommended him and will continue to do so in the future. I am very grateful for Blair’s help and he also went out of his way to accommodate my financial situation arrangements on paying the fee of doing a consumer proposal. Blair went above and beyond in every meeting and communication between us and always answered every question I had in a very timely manner. I am so grateful and I am happy that I got to work with Blair. Great person.

Jeneine M - 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


"Blair has your best interests at heart, not the creditors"

Debt reduced from $204,000 to $33,000
$550/month for 60 months at 0% interest

Blair makes you feel like a person. He takes a crappy situation, treats you with respect, listens to your circumstances, and makes a proposal on your behalf that will work for you. Blair understands the creditor process, and always has your best interests at heart, not the creditors. I highly recommend Blair for his services, his professionalism and most of all for making me feel like a whole person again.

Karen J – Financial Planner - Victoria, BC


"I am so happy with the outcome"

Debt reduced from $55,000 to $18.300
$305/month for 60 months at 0% interest

Blair was extremely professional and handled every concern I had along the way. I was very doubtful but Blair assured me the process would be successful and was always quick to give me any information that I needed. I am so happy with the outcome and that I chose Blair to assist me through this stressful time.

Madeline R – Office Manager - Victoria, BC


I could not imagine living with a stressful and sleepless night with all my financial problems...that was a tough moment we had with my husband but with Chris Grew's passionate and sincere approach to help people who have problems financially We survive and live life happily. Thank you very much for all your help sir I definitely continue to promote your performance to more people needs help; once again it means a lot to me and Nathan. Wish u all the success as always.

Belle Paradis - Victoria, BC


"I felt really good and upbeat"

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

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

Roland F – Driver - Victoria, BC


"Able to negotiate and amazing settlement"

Debt reduced from $25,000 to $6,000
$100/month for 60 months at 0% interest

Blair was instrumental in helping me after I ran into some difficulty last year. He talked me down, helped keep my stress level at a manageable point and was able to negotiate an amazing settlement. With that taken care of I can finish the training I had started and move on in life. I can not recommend him enough!

Doan A – Technician - Victoria, BC


"I left feeling informed and confident"

Debt reduced from $28.500 to $9.600

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

Kalani D – Software Developer - Victoria, BC


"4 Pillars handles everything in a professional, caring and confidential way"

Debt reduced from $8,500 to $3,500
Paid $3,500 lump sum

4 Pillars is an amazing debt consulting company that handles everything right from the get go in a professional, caring and confidential way. I was very comfortable through the whole process and extremely happy with the outcome of Blair’s efforts and hard work. Thank you for helping me start a new life!

Margaret C – Dental Assistant - Victoria, BC


"I have a brighter future"

Debt reduced from $12,300 to $6,000
$100/month for 60 months at 0% interest

Blair is a wonderful, supportive and very helpful with this process. Very accommodating, understanding with a willingness to help. Without him I would be in a worse situation financially and am starting to feel better knowing that I have a brighter future. Thank you Blair :)

Andra Z – Dental Assistant - Victoria, BC


"I’m now looking at a fresh start and second chance"

Debt reduced from $78,000 to $13,800
Paid lump sum through the Phoenix Fund

Life sometimes will throw you a curve ball and things can change so quickly. I was going through some major financial issues that were both stressful and embarrassing. I was barely keeping my head up and I knew that it was just a matter of time before I started drowning and this is when I contacted Blair. Right from the start, he was supportive, understanding and was determined to help. The perceived stigma of going through debt restructuring is real but talking to Blair, you are able to plan and see that light at the end of your financial struggle. Blair did an amazing job negotiating on my behalf and was able to reduce my debt from $78,000 to $13,800! I'm now looking at a fresh start and a second chance. I would definitely recommend Blair to anyone considering a consumer proposal and looking for that fresh financial start.

Roderick R – IT Consultant - Victoria, BC


"Completely changed my outlook for the future"

Debt reduced from $34,000 to $6,300
$105/month for 60 months at 0% interest

Thank you, Blair! You've completely changed my outlook for the future. It looks a lot more promising without that huge debt hanging over my head!

Karen W – Store Manager - Victoria, BC


"I am on the path to being debt free"

Debt reduced from $52,000 to $12,000
$200/month for 60 months at 0% interest

It was a painful experience going from a healthy income level, ALWAYS paying my debts off every ahead of time, and having extra money too. Then things changed.. unemployment, then low income, divorce. I started having to carry debt from one month to the next. Before I knew it, I was only paying the minimums just so I could stay afloat, and then not even that. I saw those ads about getting out of debt, and visited a couple to see what I can learn. I even believed what they said. I'm VERY glad I met Blair, learned the TRUTH of it all, and am on the path to being DEBT FREE!! CALL BLAIR!!

Dave O – Report Writer - Victoria, BC


Highly recommended. Thanks Chris. Goodbye worry, hello new lease on life. Like meeting with a friend.

Bob Wright - Victoria, BC


"I can finally sleep properly at night"

Debt reduced from $51,000 to $9,000
Paid $9,000 lump sum with loan from the Phoenix Fund

Debt had taken over my life, and Blair helped me gain It back again! I was drowning in debt and embarrassed and scared of what to do. I was recommended to see Blair at 4 Pillars. From the very first meeting to the last, Blair was nothing short of amazing! He made the process clear, easy and he always made me feel comfortable and at ease. He took my $51,000 in debt and reduced it to $9,000! Debt weighs you down and Blair gave me a reason to feel good again. I can finally sleep properly at night instead of always stressing. I would highly recommend Blair to anyone in debt! Thank you, Blair!

Colleen F – Travel Agent - Victoria, BC


"I feel I could not have made a better decision"

Debt reduced from $35,000 to $9,000 – wife
$150/month for 60 months at 0% interest

Debt reduced from $85,000 to $16,800 – husband
$280/month for 60 months at 0% interest

I was like many Canadians - one paycheque away from disaster. It felt like I was drowning in debt and knew I had to do something about it. I decided to go ahead and contact Blair Greenwood at 4 Pillars Consulting. Blair and I discussed the services that 4 Pillars provided as well as my financial situation. Being a thinker, it took me a while to decide to go ahead. Since the first discussion and meeting with Blair, I have been very impressed with him. I also had many questions and Blair was always prompt and professional and patient. I went ahead with a consumer proposal. Blair worked aggressively to get me the best possible proposal. The biggest difference from other companies is he is working for you not the creditors. I finally feel that I am making positive financial decisions and am looking forward to the future. The counselling sessions also provide very useful information. I feel I could not have made a better decision. Thank you!

Elizabeth J – Healthcare Assistant, Austin J – Bookkeeper - Victoria, BC


"I have control over my future with Blair’s strategies"

I won't go into the messy details that I faced but I will tell you that it was a blessing meeting Blair Greenwood. He came across knowledgeable, polite and very professional in his demeanor. I knew my position had to change and Blair laid out a plan of attack that was concise and to the point. In short, I came out of my debt of over $100,000 with paying off less than ten grand!!! And all that in just a few short weeks!!! Suffice to say I'm off the Ativan and sleeping meds now and have jumped out of the backseat into the drivers position in my life. I have control over my future and with Blair's strategies I will keep out of the deep end!! Big thanks out to Mr. Greenwood for all his efforts. It's more than just work for him as I can tell, it is a dedication and care for people like myself who really needed someone who wasn't afraid of stepping in the ring with the big boys. Blair's services are a knock out!!

Greg K – Franchise/Restaurant Owner - Victoria, BC


"Wish I did this years ago"

Debt reduced from $45,200 to $13,800

Blair was amazing! Talked through process step by step, and made you feel supported and listened to. Wish I did this years ago, made our life a lot easier!! Thank you very much!!

Cheryl C – Licensed Practical Nurse - Victoria, BC


"Yes, good people sometimes make bad choices"

Debt reduced from $57,000 to $12,920

I'd consulted Mr. Greenwood Sept., 2012---I was uncertain & the fees seemed kind of large. When I sought out 4-Pillars, July 2015, I found Blair to be somewhat more: understanding, without being either patronizing or cloying; non-judgemental; optimistic & purposeful--without the 'Tony Robbins'-like ('...you gotta do it Now you gotta do it MY WAY!') intensity. All insolvency--especially that involving Consumer Debt--is the result of a long string of spectacularly bad decisions. Yes, good people sometimes make bad choices. mine were perpetrating drains on both my finances & my physical Health. Blair Greenwood treated my situation with respect, optimism & the quiet confidence, that comes from knowing he's already made a positive difference in other people's lives. The measure of that confidence is Mr. Greenwood's acceptance of my suggestion to adopt a 2-tiered schedule, for remuneration & reparation payments.

Paul L – Retired - Victoria, BC


This letter is to thank the service of the 4pillars Consulting Group and Chris Grew on the fantastic work he has done on my behalf to settle my debt and provide me with the tools I need to rebuild my credit and secure my financial future. When I first contacted Chris he agreed to see me for a free consultation. At this time my wife was already in Bankruptcy and working with a Trustee. We were scared, frustrated and disappointed with the lack of support she gave us. We received very little information and were told that the only choice my wife had to deal with her debt was Bankruptcy. It became very clear to me that the trustee wasn’t working for us at all but against us and for the creditors. This is when I decided to seek other options for myself in dealing with my debt. My first meeting with Chris was great. He provided me with lots of information, explained different options that were available to me and made me feel like my situation was not as bleak as I thought. I felt like he really cared about me. It felt good to know that he represented me and NOT my creditors and would fight for the best settlement I could get. I let some time lapse after that first meeting and other than an email or two, I didn’t hear from Chris. He told me that my decision was mine alone and that if I wanted to work with him it would be up to me to initiate the contact. While I put off dealing with my situation I was notified by my employer that they had received a Garnishment order from one of my creditors and that my next pay cheque would have $600 taken from it. In a panic, I called Chris. Within a two week period he put together everything I needed to file a Consumer Proposal and have the Garnishment halted before it had even begun. Even with all his other clients, he made me feel like I was his only client. He was worth every penny of the fees he charged me and saved me ten times what he cost. Having witnessed firsthand how my wife was treated by a Bankruptcy Trustee and how I was treated by 4Pillars I can tell you it makes all the difference in the world having someone in YOUR corner. Without Chris’ follow up, attention to detail and amazing work ethic, I would not have the peace and security I have right now. I would like to say a big thank you Chris Grew and 4 Pillars. I would recommend him to anyone who is going through financial hardship because of debt.

Darcey Smith - Victoria, BC


"This is one of the best decisions I ever made"

Debt reduced from $70,500 to $19,500
$325/month for 60 months at 0% interest

Blair was incredibly helpful, patient and reliable. He took the time to explain the entire Consumer Proposal process and let me think about how it might fit for me. There was no pressure. I had always paid my bills and worked hard but I had gotten myself in a little over my head with my student loans and credit card. I believe in paying my debts but I realized that I had paid so much interest on my credit cards over the years that it just wasn't making sense anymore. Blair helped me put all of the pieces together to file my Consumer Proposal and now I feel like I am on top of my finances. That nagging feeling of getting behind all of the time is gone. This was one of the best decisions I ever made.

Cindy R – Nurse - Victoria, BC


"The outcome was better than I expected"

$83,000 to $26,100

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

Jim & Margaret S – Correctional Officer / Retired - Victoria, BC


"The best discovery and decision I made"

Debt reduced from $24,000 to $7,200
$120/month for 60 months at 0% interest

Finding and utilizing the knowledge and skills of Blair with 4 Pillars was by far the BEST discovery and decision I made in regards to my unforeseen financial circumstance. I highly recommend that no matter how small or large your financial stresses may be, contact Blair and be on your way to clear those frustrations and make a brighter path to your future today!

Amanda S – Administration Assistant - Victoria, BC


"Thanks and God bless"

Debt reduced from $18,000 to $6,000
$100/month for 60 months at 0% interest

I had a great experience with 4 Pillars.,you helped me a lot. Thanks and God bless!

Apolinar I – Care Aide - Victoria, BC


I ran into some financial difficulty in the spring of 2009. I contacted Blair from 4 Pillars and from our very first meeting Blair explained the process professionally and thoroughly. I am a pretty good read of people and I had a good feeling about Blair from the start. He tells it like it is honestly and sincerely. We are now at the credit rebuilding stage as my debt restructuring plan is complete. The credit rebuilding process has some excellent methods on getting your credit back on track. Blair Greenwood is extremely thorough and is a smart and confident guy who knows his information inside and out. I would highly recommend him to anyone who needs help sorting out their debt troubles.

Rod F - Businessman - Saanich, BC


"Now we have our life back"

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

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

Sara M – Home Care Aid - Victoria, BC


"My experience with Blair left me feeling blessed"

Debt reduced from $33,000 to $9,900
$165/month for 60 months at 0% interest

My experience with Blair left me feeling blessed to have found a person with empathy, drive, sharp business acumen and integrity, wrapped in professionalism. From start to finish he made the process effortless. Thank you Blair.

Clinton C – Customer Service Agent - Victoria, BC


"I can’t believe how easy the process was"

Debt reduced from $15,000 to $4,200
$70/month for 60 months at 0% interest

Blair was professional, encouraging and never judgmental. I can't believe how easy the process was, and recommend his services to anyone I know going through a hard financial time. For the first time in my adult life, I feel in control of my finances and what a RELIEF! Thanks Blair.

Maddy C – Dispatcher - Victoria, BC


"I feel I could not have made a better decision"

I was like many Canadians - one paycheque away from disaster. It felt like I was drowning in debt and knew I had to do something about it. I decided to go ahead and contact Blair Greenwood at 4 Pillars Consulting. Blair and I discussed the services that 4 Pillars provided as well as my financial situation. Being a thinker, it took me a while to decide to go ahead. Since the first discussion and meeting with Blair, I have been very impressed with him. I also had many questions and Blair was always prompt and professional and patient. I went ahead with a consumer proposal. Blair worked aggressively to get me the best possible proposal. The biggest difference from other companies is he is working for you not the creditors. I finally feel that I am making positive financial decisions and am looking forward to the future. The counselling sessions also provide very useful information. I feel I could not have made a better decision. Thank you!

Elizabeth & Austin J. - Victoria, BC


"It has been one of the top ‘Awesome’ decisions in my life"

Debt reduced from $73,000 to $19,000
$316/month for 60 months at 0% interest

I can't believe how this experience has changed my life for the better! Working with Blair was life changing. It has been one of the top 'Awesome' decisions in my life. My stress level dropped as soon as I started to see that my financial situation was not out of control. Blair helped me regain that control in a responsible, manageable and achievable plan. Blair was present, authentic and non-judgmental during the whole process. He was and still is available to talk with me about any questions or concerns that I may have. His knowledge and support made all the difference in choosing the 4 Pillars answer. It really has been the answer to a nagging question and stressful situation that permeated every aspect of my life up until then. I have highly recommended him to three of my friends already. If you are even thinking about finding out how 4 Pillars can help change your life, I would urge you to check it out. For me personally, it has been like a crushing weight lifted off of me.

Christina W – General Manager - Victoria, BC


"Came up with a proposal to end the grief of debt"

Debt reduced from $9,800 to $2,500
$2500 lump sum paid

A few years back had good credit then fell behind ,then the phone calls and letters. I was frustrated and seen a add for 4 Pillars. Then when a friend said he had used their service after his divorce. I didn't know what to do so I called Blair Greenwood of 4 Pillars. My situation was grim in my opinion. He responded and came up with a proposal to end the grief of debt walking me through the process breaking down paper talk then showing budgeting of financial freedom living within my means watching where my money actually goes.

John C – Chef - Victoria, BC


"Professional and supportive"

Debt reduced from $72,000 to $11,400
$190/month for 60 months at 0% interest

Blair and 4 Pillars reduced my debt from $72,000 to $11,400. He's professional and very supportive. I would highly recommend anyone with large amounts of debt to contact Blair.

Rikki F – Technical Analyst - Victoria, BC


"I would not be where I am today if it wasn’t for Blair"

Debt reduced from $26,600 to $8,100
$135/month for 60 months at 0% interest

It is always a scary step knowing that you need to make changes regarding your financial challenges! It was for me! I am so grateful to have found Blair! He is a person that you can trust. He is dedicated and eased my mind with his expertise and compassion! I would not be where I am today if it wasn’t for Blair. There should be more people like you in the debt industry! Thank you Blair!

Andrea L – Business Owner - Victoria, BC


"I now feel I can breathe again"

Debt reduced from $108,000 to $33,000
$550/month for 60 months at 0% interest

Due to a series of events I ended up in a financial situation I had never anticipated for myself. Over a 7 year period, due to the economy and the interest rates I was paying, my financial situation got worse. I lived day to day with the heavy burden of debt, constantly moving money around to try to dig myself out. A friend told me how Blair Greenwood at 4 Pillars had helped a co-worker of hers organize a very reasonable repayment plan that would eliminate the interest and even reduce the amount owed. I knew this would affect my credit rating but my good credit rating wasn’t working for me anyway and I was determined to get out of my bad situation. I set up a meeting with Blair and I started to regain faith that my situation would one day resolve. I had confidence that Blair was determined to negotiate with my creditors on my behalf. Blair supported me along the way and attended the meeting with the trustee with me. Blair and the trustee supported my consumer proposal and my proposal was accepted. I now feel I can breathe again. I highly recommend Blair Greenwood.

Kim R – Coordinator - Victoria, BC


I highly recommend Chris to anyone struggling with debt. Chris helped me understand my options, presented the pros/cons and let me decide what was right for me and my family. There was no pressure from his end. When you are in the position I was, literally no one is on your side. They all want you to pay and pay now, especially the government or student loans. Even when you can't make ends meet they don't care. You need someone on your side. Chris is that guy. He knows how to turn the tables in your direction. He uses real financial tools to help you. He is available from day 1 to the end of your solution, any time you need. He is always quick to reply, friendly and helpful. I think what impressed me the most Chris really wants to help people. He doesn't judge. He listens and is honest with you about your situation and presents facts. Chris has been in the industry a long time and understands both sides of the table. He is passionate about his business because he wants to help people and he knows life happens - we didn't all get in the situation we are in because of bad intentions - which is how you are treated by every lender otherwise. Get Chris in your corner and get yourself setup for success. Honestly the best thing I have done! A massive weight was lifted off my shoulders... thanks Chris!

Matt Weber - Victoria, BC


Wish I had known what Chris could do for us a year ago! We let pride get in the way of asking a professional for help until it was 'almost' too late, but Chris knew what to do to get us on track again. Didn't know there was something called a 'Consumer Proposal', it's a win/win that lets us sleep at night and see the light at the end of the tunnel! Thanks Chris!

Alan Greenwood - Victoria, BC


"The utmost professional"

Debt reduced from $58,000 to $20.700
$345/month for 60 months at 0% interest

I had recently gone through a divorce and Blair was the utmost professional. I really needed someone there to assist me with organizing my life again and he truly cared about moving me in the right direction. His knowledge of building my credit and guiding me through every step was very much appreciated. I have referred him to four of my friends and will continue to do so. Blair is top notch. He will definitely be able to help you with your specific situation.

Tammy G – Realtor - Victoria, BC


Blair Greenwood of 4 Pillars has been absolutely fantastic throughout the whole proposal process. My options were clearly explained to me and I was very delighted how easy and straightforward they made it. Blair was very effective and efficient as the whole process was completed and signed within 8 weeks of my initial phone call. I felt like a huge weight has been lifted from my shoulders. I am a true believer and would refer anybody I know to Blair of 4 Pillars. He was a true professional and can't thank him enough for his help.

Brian N - Mechanic - Victoria, BC


"We felt heard and respected"

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

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

Mary H & Doug H – Business Coach - Victoria, BC


"My life is so much better now"

Debt reduced from $20,000 to $6,000
$100/month for 60 months at 0% interest

I can't express how grateful I am for all you have done for me. My life is so much better now and I actually seem to have more money in my pocket then I have in years. I will definitely be trying to take advantage of the discount that is available when the remaining amount is paid off as well. Thank you, thank you, thank you for everything! I have already referred 4 Pillars to several people.

Kirstie M – Driver - Victoria, BC


"Blair tells it like it is honestly and sincerely"

Debt reduced from $106,500 to $30,000
$500/month for 60 months at 0% interest

I ran into some financial difficulty in the spring of 2009. I contacted Blair from 4 Pillars and from our very first meeting Blair explained the process professionally and thoroughly. I am a pretty good read of people and I had a good feeling about Blair from the start. He tells it like it is honestly and sincerely. We are now at the credit rebuilding stage as my debt restructuring plan is complete. The credit rebuilding process has some excellent methods on getting your credit back on track. Blair Greenwood is extremely thorough and is a smart and confident guy who knows his information inside and out. I would highly recommend him to anyone who needs help sorting out their debt troubles.

Rod F – Businessman - Victoria, BC


"He was able to reduce my debt by over 80%"

Debt reduced from $36,000 to $7,800
$130/month for 60 months at 0% interest

Although I was a bit hesitant to start the process with Blair, I am extremely happy that I decided to go for it. Blair is extremely personable and has an answer for any question you might have. He was able to reduce my debt by over 80% which will allow me to move on with my life (and even answer unknown phone numbers). I would recommend Blair to anyone who has been stressed out over money, even if it's just to talk. He has changed my life for the better and for that I'm extremely grateful. Thanks Blair!

Mike R – Internet Marketing Manager - Victoria, BC


Thank you Chris, you made what seemed impossible come true. Being out of debt is an incredible feeling. I now have positive cash flow. I haven't seen that in a very long time.

Norm B. - Victoria, BC


"Other companies and the options were not even close to what Blair was confident he could do"

Debt reduced from $127,000 to $15,000
$250/month for 60 months at 0% interest

With anything in regards to finance there is always a certain reservation to put your faith in somebody other than yourself to deal with it. After meeting Blair the first time he gave no indication of pressure, knew the options and possibilities when dealing with debt, and worked with us on our timeline to come to a resolution that was extremely fair in our favour. Previously to dealing with 4 Pillars I had interviewed some other companies and the options presented were not even close to what Blair was confident he could do. I would highly recommend Blair with 4 Pillars to anyone needing help dealing with their debt.

Stanley L – Developer / Contractor - Victoria, BC


"Amazing feeling after years of struggling"

Blair Greenwood is an absolute life saver. Life was filled with high stress and anxiety and now it literally feels like the weight has been lifted off my shoulders. Amazing feeling after years of struggling. This has been a life changing experience for my family. I would recommend Blair to anyone who's struggling . He is so kind , professional and always supportive. Big thank you to Blair and his team. You absolutely exceed your reputation.

Tasha H – Medical Office Assistant - Victoria, BC


"Now we have our life back"

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

Sara M., Home Care Aid - Victoria, BC


"I am thankful everyday for making that first step"

Debt reduced from $38,000 to $12,000
$200/month for 60 months at 0% interest

It was very difficult to finally make the decision to go talk to Blair. Within the first 5 minutes Blair made me feel like everything was going to be ok. He is very knowledgable and would highly recommend Blair. If you are experiencing that feeling that that there is no way out....please go talk with Blair. I am thankful everyday for making that first step. Just call! Thanks Blair

SL – Sales Representative - Victoria, BC


"It changed my life"

Debt reduced from $108,000 to $33,000
$550/month for 60 months at 0% interest

My experience of debt restructuring with Blair was excellent. I felt embarrassed and hugely stressed about my financial situation but Blair was so supportive and he was determined to help me. He did an excellent job and it changed my life. I am still amazed that he managed to reduce my debt load from $108,000 to $35,000.

Kim R – Pharmacy Coordinator - Victoria, BC


"Changed my life"

Debt reduced from $71,000 to $7,800
$130/month for 60 months at 0% interest

I can not stress enough how much Blair changed my life. I was so stressed out with a little over 70 thousand dollars in debt. Through his hard work and determination he was able to cut it down to just under 8 thousand. I'll repeat that again 70 down to 8. He's the real deal. Don't wait till tomorrow call him today.

Ray W – Warehouse Manager - Victoria, BC


I came to 4 Pillars with a lot of debt and not sure what to do. Chris Grew gave me options. He helped me to get my life back in order. Thank you for helping me when things seemed so overwhelming.

June Heather Anderson - Victoria, BC


"I am debt free and moving ahead"

Debt reduced from $38,000 to $7,000
Paid $7,000 lump sum

I had a very serious debt problem and after I came across Blair's business card I had the feeling he was the one to help me solve my debt crisis. From the first phone call I made to Blair, and the follow up meetings and discussions I had with him made me feel very positive that a solution would be available. Blair explained all of my options in great detail as well as offering his expert opinion on which was the best option for my situation. Blair also dealt with a very difficult situation involving my family members and did so very professionally. Blair certainly knows how to handle stressful situations. I will not forget what Blair did for me and his fee was very reasonable as well. He did a lot of work as well as some difficult research. I will always remember Blair for his efforts and certainly would recommend him to anyone needing debt consulting services. I am debt free and moving ahead again, thanks to Blair Greenwood.

Sam M – Administrator - Victoria, BC


"Changed my life"

I can not stress enough how much Blair changed my life. I was so stressed out with a little over 70 thousand dollars in debt. Through his hard work and determination he was able to cut it down to just under 8 thousand. I'll repeat that again 70 down to 8. He's the real deal. Don't wait till tomorrow call him today.

Ray W - Victoria, BC


Benjy 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’ve actually been able to breathe again since working with you"

Debt reduced from $30,000 to $11,400
$190/month for 60 months at 0% interest

Working with Blair and 4 Pillars turned out to be one of the better decisions I've made. I was made to feel very comfortable and confident that I was doing the right thing. The degree of knowledge Blair showed left me with no worries or unanswered questions. I am sure if there is anything I might need to ask about in the future, I would get the support I needed. It was a pleasure working with you Blair. I've actually been able to breathe again since working with you.

Mary D – Business Owner - Victoria, BC


"I felt like Blair had my best interests in mind"

Debt reduced from $23,000 to $6,000
$100/month for 60 months at 0% interest

After being on maternity leave and deciding not to return to my position as a flight attendant due to my husband's job and him working odd hours, I found myself in a financial hardship. Shortly after my husband lost his job and was out of work for a couple of months I started to panic. I made the decision to call Blair and he immediately put me at ease and talked me through all my options and the processes. I always felt like he had my best interests in mind and always answered phone calls and emails promptly!! Blair made a horrible situation bearable and less stressful!!! Thank You!!!

Shelley C – Sales Associate - Victoria, BC


"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


"My experience with Blair was nothing short of amazing"

Debt reduced from $74,000 to $14,000
$14,000 lump sum paid through the Phoenix Fund

My experience with Blair was nothing short of amazing. I was astounded with his business etiquette and knowledge of the subject matter. I was a little bit of a different case but he was willing to go out of the box and find a solution that was going to work for everyone. It has been about a year now since we found the solution and I have to say, for the first time in my adult life, I'm starting to feel good about my financial situation. This wouldn't have been able to happen if I hadn't have worked with Blair. If you have debt that you don't want anymore, I would recommend giving Blair a call and sitting down with him. He'll find something that will work for everybody.

Ashley L – Massage Therapist - Victoria, BC


"Blair has given me something to look forward to"

Debt reduced from $28,000 to $16,500
$275/month for 60 months at 0% interest

I had run out of options and sent an email out to the universe. Blair called me the next day and I heard four words that gave me hope. 'I can help you.' I am looking forward to getting a grip on my finances by learning some valuable tools and not being held a prisoner by my past mistakes about money. Always available and easy to talk with, Blair really has given me and my family something to look forward to by supporting me on this journey.

Elissa O – Nurse - Victoria, BC


We found the experience with Chris Grew, was very professional and confidential. We were very happy with the desired result, and have given us financial freedom again.

Daniel MacNeil - Victoria, BC


"It was a pleasure working with Blair"

Debt reduced from $17,700 to $8,400
$140/month for 60 months at 0% interest

I have felt nothing but excellent response to the total experience of going through my financial situation. Blair has explained everything clearly, kept me up to date, and has made me feel comfortable in understanding everything. It has been a pleasure working with Blair.

Deborah P – Resident Care Aide - Victoria, BC


"Blair went above and beyond my expectations"

Debt reduced from $64,000 to $13,200
$220/month for 60 months at 0% interest

Blair is respectful, knowledgeable, and passionate about his work with 4Pillars. His positive, non judgemental, down to earth attitude made him easy to talk to and meet with. He explained 4Pillars' services simply and clearly and in doing so relieved an enormous amount of my stress. I am very grateful for all his effort and work. He went above and beyond my expectations and continues to.

Kirsten P – Administrator - Victoria, BC


"He fixed my economic life and gave me peace of mind"

Debt reduced from $46,000 to $13,800
$230/month for 60 months at 0% interest

My experience with Blair was more than life saving , beside his professionalism he was a gentleman, kind , respectful he always treated me as a human been in need of specific help without judgment He fix my economic life and give back the peace of mind I was looking after having a bad accident that left me not just with a Disability but with a big debt problem ......I don't have words to express my gratitude Blair,thank you again for giving me my life back.

Patricia C – Resident Care Aid - Victoria, BC


"Significant positive impact on my life"

Debt reduced from $50,000 to $19,200
$320/month for 60 months at 0% interest

Blair and 4Pillars have made a significant positive impact on my life. Clear, calm, concise and patient would be appropriate buzzwords to describe Mr. Greenwood. No longer am I being crushed by my debt. Thanks to Blair, I get a fresh start.

Peter H – Instructor - Victoria, BC


"Without this help I would still be in loads of debt and under a lot of stress"

Debt reduced from $21,000 to $6,500
Paid $6,500 lump sum

My experience with Blair was great. He was extremely easy to work with and eased all my concerns during the process. This experience has changed my life as I was buried in debt and had no idea how I would ever get out of it. Within a short 4 months I was able to become completely debt free by settling with a lump sum settlement. I went from $21,000 in debt to settling it for only $6,500! I will never forget that day as I felt like a huge weight had been lifted off me! Today I am happy to say that I am not only still debt free, but I have learned how to manage money and save. I have been rebuilding my credit over the last year and a half and will be looking to buy my first home soon. I feel so thankful for Blair's help along this journey and don't know where I would be today financially if it weren't for him.

Natasha B – Customer Service Rep - Victoria, BC


"Best decision of my life!"

Debt reduced from $30,000 to $6,000
$6,000 lump sum paid

I was unable to walk, work or even dress myself. I had so many bills hanging over me with no way to even pay the rent. That’s when I contacted Blair. He was so understanding and accommodating. He helped me through the whole process and was always available if I had any questions or just needed support. He gave me a fresh start. Thank you Blair!

Annette R – Survey Research Administrator - Victoria, BC


"Debt reduced from $67,000 to $20,400"

$340/month for 60 months at 0% interest

Our experience with Blair was excellent from our first meeting all the way down to our last. Blair is very helpful and very knowledgable he sure knows what he is doing. I have recommended him to a few of our friends now. Thanks to Blair I can finally put those money issues to rest. Thank you Blair for everything.

Marianne & Dean D - Victoria, BC


"I felt I was treated like a friend"

Debt reduced from $35,000 to $13,800
$230/month for 60 months at 0% interest

I want to thank Blair for his help and professionalism in starting me off on the road back to some financial freedom. I felt I was treated like a friend and he was always there to help when i was in any need of questions answered. I would highly recommend to anyone suffering from any amount of debt to talk with Blair to help get them back on the road to a better life. Thanks Blair, you make a difference.

Wayne B – Delivery Driver - Victoria, BC


"It was great having him in our corner"

Debt reduced from $26,000 to $11,600

Blair was excellent. It was great having him in our corner. He has a real professional attitude which made us feel at ease and he made sure that everything was taken care of. I would highly recommend Blair to anyone feeling overwhelmed by debt! You feel very welcome the moment you walk in the door and even though you may be feeling 'ashamed', Blair helps you feel like it's ok and the decision you made is the right one.

Mark S – Correctional Officer - Victoria, BC


I first met Chris when i had been screwed over by fraud. I had a lot of debt and had to have two vehicle repos due to my circumstances. Chris was great. Easy to work with and very professional. I am a year and a half into my consumer proposal and have a 660 credit score. I figured i would still have crap credit for a few more years. Thanks Chris.

Edward Brown - Victoria, BC


"Blair is very professional and a true expert in his field"

Debt reduced from $31,600 to $9,600
$160/month for 60 months at 0% interest

Blair is very professional and a true expert in his field. I really appreciate how welcoming he was during the initial appointment, how accommodating he is during the follow-up visits, and how understanding he has been throughout the entire process. I highly recommend Blair because he will provide you with exceptional service and make a significant difference in your life.

Erin B – Administrative Clerk - Victoria, BC


"I highly recommend him"

We're taught that debt is something to be ashamed of, but the reality is; everyone is in debt - yes even those millionaires with seemingly unattainable fortunes. Initially I came to Blair seeking help, relief, anything really to help me see a way out of my situation. He was so positive, encouraging, honest and compassionate. Not once did I ever leave his office feeling worse than when I walked in. Initially with thoughts of doing a proposal and ultimately due to life circumstances a bankruptcy he made it a positive experience. He is truly gifted at his job. I highly recommend him.

Teresa P – Executive Assistant - Victoria, BC


"Without this help I would still be in loads of debt and under a lot of stress"

My experience with Blair was great. He was extremely easy to work with and eased all my concerns during the process. This experience has changed my life as I was buried in debt and had no idea how I would ever get out of it. Within a short 4 months I was able to become completely debt free by settling with a lump sum settlement. I went from $21,000 in debt to settling it for only $6,500! I will never forget that day as I felt like a huge weight had been lifted off me! Today I am happy to say that I am not only still debt free, but I have learned how to manage money and save. I have been rebuilding my credit over the last year and a half and will be looking to buy my first home soon. I feel so thankful for Blair's help along this journey and don't know where I would be today financially if it weren't for him.

Natasha B – Customer Service Rep - Victoria, BC


"The service and advice I received was way more than I expected"

Debt reduced from $18,000 to $6,600
$110/month for 60 months at 0% interest

The service and advice I received was way more than I expected. Any question I had was answered in a very timely manner. Blair handled every detail with utmost professionalism, kindness, consideration and was very patient.

Blair answered all of my questions thoroughly and never once made me feel as though I was a failure for filing a proposal. From the moment we started to work together right up until now, my mind was at ease and I am so happy to have reached the end of one road and the start of another.

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


I heard of Chris through my brother a few years back which helped him out a lot. I have some health issues that landed me in a pretty tight spot and Chris was able to assist in taking care of it. 5 stars and a high recommendation from me for his efforts and commitment to each individual case and client.

Nathan Mackenzie - Victoria, BC


"He gave me renewed strength to go on and rebuild my credit"

Debt reduced from $20,500 to $6,600
$110/month for 60 months at 0% interest

Thank You Blair / 4 Pillars. What can I say except thank you! The weight that has caused so much stress in my life has been lifted and I feel much appreciation for what Blair has done for me. Not only has he reduced my debt he gave me renewed strength to go on and rebuild my credit. Blair took a real interest in my situation and he is very professional and personable. I would highly recommend him to anyone considering 4 Pillars as a solution to your debt relief !!

Brent H – Concrete Finisher - Victoria, BC


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 - Victoria, BC


"I am forever grateful"

Debt reduced from $18,500 to $6,900
$115/month for 60 months at 0% interest

My experience with Blair was amazing, no matter how stressed out i was he always reassured me that things will work out for the better, which it has. I am forever grateful for Blair helping me get out of debt faster and helping me get on with my life without so much stress.

Steven B – Press Operator - Victoria, BC


"4 Pillars rescued me from a crippling debt load"

Debt reduced from $70,000 to $24,600
$410/month for 60 months at 0% interest

4 Pillars rescued me from a crippling debt load in my senior years. Blair Greenwood was unfailingly supportive and educated me about the process involved in submitting a consumer proposal and taking control of my finances. I would recommend working with Blair to anyone who needs to find a workable solution to financial difficulties. Consulting with Blair and working through the process can be emotional and requires effort but achieving peace of mind is worth it.

Jo-Ann R – Retired - Victoria, BC


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

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

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

Vicki K – Project Manager - Victoria, BC


Chris Grew, thank you for telling me the TRUTH. You said this was going to be a tough decision, but still showed me EVERY option. I waited a week, and made the decision that worked best for my situation, and never looked back. From then on, Chris guided my choice, step by step, there to answer any questions and help conquer my paranoia and frustrations. He was by my side at the interviews. I trusted the process after that, relishing in the new freedoms gained from taking control of my debt. Goodbye sleepless nights, panic attacks, stress medical issues! My family is forever grateful!

Kara Buttree - Victoria, BC


"Knowledgeable and accessible"

I found myself in the unfortunate position of filing for bankruptcy. My wife had used Blair's services and I used his services as well. He is polite, knowledgeable and most important, accessible. He walked me through the steps and set things up as were required. I have referred him to three other people since my experience.

David L – Architect - Victoria, BC


"This improves my financial situation dramatically"

Debt reduced from $31,000 to $7,200
$120/month for 60 months at 0% interest

I am extremely excited with the announcement that my debt proposal at 4 Pillars has been approved. The reduction that Blair aggressively set on the table has left me with only $7200 to pay compared to the initial hurdle of $31000. As a retired teacher this improves my financial situation dramatically. My daughter heard of Blair through a fellow employee at her financial institution and I immediately set up an appointment. This was in late August this year and on October 30, 2015 just 2 months later, the consolidation was a 'fait accompli'. During the whole process, all that I had to do was deliver the bills to Blair. Now with his help and a suggested budget, I can move on, no longer crippled with debt worries and irritating phone calls from creditors (which by the way stopped as soon as I was registered in the 4 Pillars program).

Best Hallowe'en treat that I ever scored!

Alice G – Retired Teacher - Victoria, BC


I was extremely pleased with this personal service. Chris made this very trying time and decision easier. He answered all my questions, posed some that I had not considered, and laid out the pros and cons of my decisions. We had several meetings and after each I felt listened to and walked away with a sense of relief regarding my choices. I recommend Chris Grew and 4 Pillars highly!

Morganne Pickering - Victoria, BC


"Very professional, helpful and caring!"

Debt reduced from $51,600 to $12,000

With Blair's help, I turned my financial story away from the brink of disaster. I highly recommend his help to anyone struggling under the load of debt. Very professional, helpful, and caring! Thank you Blair!

David 0 – Report Writer - Victoria, BC


"I can breathe again"

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

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

Claudia K – Sales Clerk - Victoria, BC


"The whole process was very easy and painless"

Debt reduced from $35,000 to $7,200
$120/month for 60 months at 0% interest

Before I met with Blair for the first time I was in a very stressful financial situation. I could barely keep my head above water and it was affecting every aspect of my life. After meeting Blair I realized that I had options and we came up with a plan to get me to where I wanted to be financially. Blair made the whole process very easy and painless, taking my debt from $35,000 to $7,200. I would highly recommend anyone who thinks that they don't have a way to get themselves out of a stressful financial situation to talk with Blair. I'm so glad that I did.

Jeffrey O – CSR / Actor - Victoria, 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, BC


"I am still shocked at what I paid to get rid of my debt!"

Debt reduced from $32,000 to $9,600
$160/month for 60 months at 0% interest

Blair and 4 Pillars helped me figure out the best way to deal with my debt. I am still shocked at what I paid to get rid of my debt! It was an easy, quick process and Blair was there every step of the way. I would definitely recommend Blair to anyone thinking about debt restructuring.

Samantha B - Healthcare Worker - Victoria, BC


"My future has changed"

Debt reduced from $23,000 to $7,250
$125/month for 60 months at 0% interest

When I saw the ad for 4 Pillars on Facebook it seemed too good to be true. I was struggling to pay off my student loan debts, and knew that I had nothing to lose at that point. From the minute I stepped into the office for my consultation, I knew I had made the right decision. Blair has made the entire process easy, positive and most importantly, stress free! He is professional, outgoing, and he can relate to the issues people face with creditors and debt. My embarrassment quickly subsided when we started working through my file, and I can honestly say that my future has changed. I no longer feel the weight of my debt hanging over me. I know that I am going to be able to live the life I want to live, debt free, because Blair took the time to make sure I got the best service possible. Blair is knowledgeable, confident and honest, and unlike the bigger companies, he will give you personal one-on-one service. I have saved thousands of dollars, and regained years of my life. My confidence has been restored and I can finally say that I will be living a debt free life very soon!

Lindsay B – Public Affairs Officer - Victoria, BC


When I got to where I reached out for help I was terrified. How was I going to trust a stranger to have my best interests at heart? Chris Grew won my trust quickly. Now, with my consumer proposal having gone exactly as Chris said it would, I look back on the experience and am thankful for Chris Grew's honesty, forthrightness, knowledge, and professionalism. This guy told me several times that I could call him anytime, even if it was because I was looking for reassurance- and he meant it! I don't wish financial stress on anyone and I hope nobody I know ever has to go through it. But. I would recommend Chris Grew without hesitation.

Brian. Young - Victoria, BC


I am Agnes Ballesteros, I will recommend it to anybody and to my friends whose debts are taken over their life .Now my stress and worries are gone. Instead of paying highly interest rate I am actually paying off my debts now. N regrets in doing this debt restructuring especially with 4 pillars. I and my partner, truly meet the financial freedom when we started the service with Chris Grew. Thank you so much.

Agnes Ballesteros - Victoria, BC


"I am healthier and happier now"

Debt reduced from $32,000 to $16,500
$275/month for 60 months at 0% interest

My life has taken a complete turnaround since my first meeting with Blair. His knowledge, professionalism, and support are invaluable. Prior to meeting Blair, I was stressed on all levels and felt weighed down by the pressures of my debts. Now, I feel a sense of freedom which is leading to enthusiasm for what is ahead for me in the future. It is amazing how one meeting and one change in my life has impacted everything else for the better. I am healthier and happier now than I have been in a long time. Thank you, Blair!

Angela S – Coordinator - Victoria, BC


"This was an easy process"

I was blessed to work with Blair and 4Pillars! I not only cleaned up my credit in a hurry and changed the stress in my life to a new outlook but Blair taught me so much and provided support any time I was in need. I am now passing on my knowledge to others :-) - This was an easy process and anyone who is looking into their financial situation should A) not be ashamed - it's so common and B) definitely call Blair ASAP and get back on track today! Cheers Blair! Thank you ever so much and forever :)

Amanda S., Office Assistant - Victoria, BC


"Blair really turned things around for us"

Debt reduced from $203,000 to $42,000
$700/month for 60 months at 0% interest

Blair really turned things around for us. We were struggling with massive amounts of debt and couldn't see any way out of it. In my first conversation with Blair, I immediately felt comfortable and assured that he was the right person to help us out of this. The stress melted away immediately, and we began the process of dealing with the debt. I highly recommend Blair or 4 Pillars for anyone struggling with significant amounts of debt.

Malcolm & Catherine M – Navy Officer - Victoria, BC


"I am in control of my finances and my life again"

Debt reduced from $92,500 to $33,000
$550/month for 60 months at 0% interest

A huge thank you to Blair. I believed my situation was unmanageable. Yet, here I am, in control of my finances and my life again. I had no idea that any of this was even possible. If you feel helpless, hopeless about your crushing debt, I encourage you to give Blair a call. Professional, courteous, knowledgeable, and non-judgemental, he was there to answer my questions every step of the way.

Christine R – Registered Nurse - Victoria, BC


"Blair worked hard to get our proposal accepted"

Debt reduced from $34,000 to $18,000
$300/month for 60 months at 0% interest

Going through financial issues we were introduced to Blair Greenwood from 4 Pillars through our Financial Planner at Investors Group. We found Blair to be incredibly helpful. Blair went through all our options with us and we chose to do a consumer proposal. Blair put together a proposal that we could afford and worked hard to get it accepted. We also were given direction on how to budget and a solid strategy to rebuild our credit. We found Blair to be very professional and have a great attitude. Thanks again Blair!

Don G & Laurie P – Shipper/Receiver, Server - Victoria, BC


"Blair guided us through the entire process"

Debt reduced from $41,500 to $12,900

We found Blair to be professional and extremely supportive as he guided us through the entire debt restructuring process to the successful completion of our proposal. He took the time to thoroughly explain what we could expect each step of the way so there were no surprises and his quick responses to our inquiries eased any concerns we had. We have referred him with confidence to others and would recommend that anyone in need of his expertise give him a call.

Tammy & Shannon S – Self Employed - Victoria, BC


"Blair was professional and helpful"

Debt reduced from $57,700 to $20,700
$345/month for 60 months at 0% interest

Blair was professional and helpful, helping me to understand the process with patience and professional courtesy. I learned a lot about the debt business and how to manage my credit going forward and I would highly recommend Blair to anyone needing help managing their debt.

Rachelle – Business Owner - Victoria, BC


"Working with Blair was the most positive experience dealing with my debt"

Working with Blair was the most positive experience, when dealing with my debt load. The collapse of my ecommerce business put a great deal of stress on me - as soon as I connected with Blair, he took charge, advised me on the 'how to' of extinguishing the debt through the legislation and I relaxed. He is a wonderful and caring person, fully knowledgeable, and expedites the process. I recommend Blair to anyone who needs the assistance of an exemplary debt counselor. I also consider Blair as a friend, who will assist me in my rebuilding process.

Harvey D – Retired - Victoria, BC


"I can rest easy now"

Debt reduced from $85,000 to $16,800
$280/month for 60 months at 0% interest

Thanks to Blair, I can rest easy knowing that I can pay my bills in cash. I am looking forward to the future.

Austin J – Bookkeeper - Victoria, BC


"Wish I had done this years ago"

Debt reduced from $46,000 to $13,000
$224/month for 58 months at 0% interest

Blair is amazing at what he does! Professional and really listens to you what you have to say and gives step by step through the whole process. Wish I done this years ago! Highly recommended, thank you very much Blair!!

Cheryl C – Nurse - Victoria, BC


"He is dedicated and has attention to detail"

It has been a pleasure to get to know Blair and to see his ability to take care of his clients needs first and foremost. His dedication and attention to detail has ensured that we will look forward to making an introduction to Blair at any chance there may be an opportunity. If there is a way to get you to a better situation with respect to your debt... Blair and his team will find it!!

Philip BC., Financial Advisor, Investors Group - Victoria, BC


"This program really took some pressure off"

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

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

Scott M – Deckhand - Victoria, BC


"I highly recommend Blair"

Debt reduced from $45,300 to $9,000
$150/month for 60 months at 0% interest

Working with Blair has been a pleasure from the first meeting. He made a very stressful situation I was in comfortable for me to talk about. I highly recommend Blair, he is just amazing at what he does.

Anne P – Hair Stylist - Victoria, BC


"He did everything he told me he could do"

Debt reduced from $31,000 to $6,000
$100/month for 60 months at 0% interest

Blair was great. Helped me get out of debt and did everything he told me he could do. Highly recommended to anyone with debt.

Bryan M – Welder - Victoria, BC


Chris Grew is very easy to work with. He is respectful and helpful and we highly recommend him. He went the extra mile and was very thorough.

Bruce - Sheila Macdonald - Victoria, BC


"One of the best decisions I have made"

Debt reduced from $31,000 to $11,400
$190/month for 60 months at 0% interest

Without question, one of the best decisions I have made in my financial life has been working with Blair Greenwood of 4 Pillars. Growing up, I was always taught to pay my bills. But after a marriage breakdown and periods of unemployment, the debt became unmanageable and I knew I needed help. I looked into the possibility of a non-profit credit counselling agency and quickly found that they were clearly working on the side of the banks and credit cards. I became discouraged and thought bankruptcy was the answer and looked into the possibility of working directly with a trustee. It was then that a friend of mine recommended Blair as an alternative. And I thank my lucky stars every day. I found out that trustees are officers of the court and act on behalf of the creditors. I needed someone on my side, to negotiate a solution on my behalf - working for ME and my best interests. That someone turned out to be Blair. He worked with me outlining the process and keeping me informed every step of the way. By the time we met with the trustee, I was confident and prepared. The proposal went through without a hitch and I’m now happily on my way to clearing my debt and rebuilding my credit – all thanks to Blair and 4 Pillars.

Heather W – Office Manager - Victoria, BC

Benjy Houser
  • Benjy Houser

  • 2311 Watkiss Way, Unit #103
    Victoria, BC
    V9B 6J6
  • (250) 882-5556
  • benjyh@4pillars.ca

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