We believe that transparency and financial literacy are key to helping Canadians solve their debt crises. That’s why we’ve committed to using TrustPilot to publish verified reviews of 4 Pillars.
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We’ve selected some reviews below that show how our services help Canadians navigate their debt crisis and rebuild their financial lives.
You can read all of these reviews and more over at TrustPilot.com.
We had the amazing guidance of Steve Dubarry help us through a very difficult time in deciding are next step in creating a better future for us.
We didn’t think it was possible with the amount of debt we incurred over the years to see a light at the end of the tunnel.
He, step by step, got us through the process of over 69,000$ of debt, to an affordable repayment balance of 12,000$, and only 200$ a month.
If we didn’t make the first phone call to Steve, we would still be drowning ourselves every month trying to figure out how to get out of this rut we were in.
Steve is a caring and patient individual person that you need to contact for advice on your financial needs to make your future much brighter.
We recommend Steve, at 4 pillars to get you through the hardest decision you ever have to make. Thank you for everything, and our peace of mind, to be able to provide for our family again with ease.
Consultant Chris Grew from 4 Pillars Consulting, Victoria B.C. office saved me tens of thousands of dollars. From the very first meeting I knew that I was in good hands as Chris explained in detail the difference between “Filing for Bankruptcy” and “Submitting a Consumer Proposal”, and which one was best suited for my situation. My original debt was $75,000 and Chris worked to bring that amount down to $21,000, to be paid off in manageable monthly payments of $350 over 5 years. Chris worked very diligently to make this happen and I am forever grateful for his help in alleviating a mountain of financial stress.
Great and stress free service so knowledgeable, very easy to talk to and get a hold of. Answered all our questions. I would recommend this to anyone who is stressed about debit or in over your head we went from $59,000 to $15,000 and can finally breathe again.
Steve DuBarry changed my life. I have been in debt for longer than I can remember, recently divorced with a young child. I had met with a trustee before meeting with Steve, and wow I am glad I did not sign that day. The trustee suggested a consumer proposal for my huge debt and recommended offering $550/month for 60 months, but told me that I should expect to pay $750/month. I actually thought this was a great option considering how much I owed. Before I went to sign, a family member suggested I meet with Steve first. He saved me thousands! Steve was able to get my proposal approved at $200/month and was fantastic to work with. If I had not taken the advice to call Steve, I would have paid between $33,000 – $45,000 through a consumer proposal. Through Steve, I was approved at $12,000! I was floored and will be forever thankful. If you read this, you need to call Steve DuBarry!
We were really satisfied with the service we received from 4 Pillars! Zach is fantastic! He is patient, and does everything he can to help! It’s a huge relief to get rid of our debts! Now we are paying around a hundred dollars/ month insted of the 900-1000/month!! Thanks to Zach from J., J. and the kids
I heard about consumer proposal but didn’t really expect anything from it. Made some appointment and next thing i know Shawn Franck from 4 pillars called me. Told me he could cut 80% of my debts. Was a little skeptical but told myself why not. Well, he did everything as promised. 35000 became 12000, no more interest and one easy payment per month. Helped me turn me life around.
I tried for a couple of years, on my own, to get the credit card companies to lower, or stop, interest – due to extreme changes in my situation (loss of more than half my income, plus advancing disability) – but they would not budge.
4 Pillars took over; my debts were minimized, and now my payments are very manageable. I’m not sure what percentage of my debts were forgiven, but it had to be at least 75 percent or more. If it wasn’t for 4 Pillars, my situation could have turned really bad.Thank you 4 Pillars for saving my sanity.
I was referred by a friend to 4 Pillars and have no regrets. From my very first contact with 4 Pillars I was highly impressed with their professionalism, genuine interest in helping me resolve my debt issues, and prompt response to all my questions. In just 2 months 4 Pillars has helped me settle with 7 creditors, my home was saved and my debt reduced by 50%. You are always up to date and I am so glad I found them. I am very grateful.”
I really thought there was no solution to my financial problems. I was hopeless about my future because no matter how much I tried to catch up on my payments, it seemed impossible to pay as I could only afford to pay the interest. I was thankful that a friend introduced me to 4 Pillars Consulting. They really, really helped me a lot. They lowered my debt up to 25% with no more interest. I was totally relieved from stress. Thanks to the compassionate and professional staff from 4 Pillars; you just don’t know how much grateful am I to your team.”
My experience with David Moffatt was excellent. He worked hard to develop the best strategy to reduce my debt payments. He is hardworking and very professional. I had a terrible experience with a major trustee company where I was told my debt payments would be well over 30%. David managed to reduce my payments to half and, unlike the major trustee company, was very clear and forthcoming about the process. It is absolutely true that individuals entering into bankruptcy or consumer proposal need representation. The trustees represent the other side and are motivated to ensure a high repayment because they make their fee as a percentage of the total. The cost of 4 Pillars is absolutely worth it, in spite of what Trustees will say. Not only did the 4 Pillars fee allow me to gain substantial savings in my debt repayment, it also provided me with a great understanding of, and control over, the process. I highly recommend David Moffatt at 4 Pillars.
Trevor Glasser of 4 Pillars Consulting really worked hard for me finding a great solution to my financial woes! I’ve gone bankrupt 2 times and have had a consumer proposal also in the past 30 years. I had been injured badly in 2010 and moved back to Ontario to be around family for support. My neck was broken from a fall on ice and after major surgery to repair the damage I’m earning only 40% of what I was before my accident at work. I spent a lot of my money and maxed out my credit cards spending money on family and a bad $9,000.00 loan to help my son out with his lawyer in his divorce proceedings. When the money well went dry all of my family including my son abandoned me. I thought I would have to go bankrupt for a third time because of my $48,000.00 debt. Trevor Glasser of 4 Pillars Consulting worked out a great consumer proposal for me to be completely debt free by the time I’m 64 years old.
I was so depressed with this enormous debt and my life altering injury I had very bad thoughts on my life.
Because of Trevor Glasser of 4 Pillars Consulting my financial situation has improved to where I’m not depressed anymore and I’m enjoying myself again. I haven’t had any contact with my family for 3 years now, but at least I’m enjoying life again and I don’t have empty pockets!
I recommend Trevor Gasser of 4 Pillars Consulting and 4 Pillars Consulting to be your voice for all of your financial needs!
4 Pillars changed our life! I would highly recommend this company to anyone who has lost hope of seeing a day without debt. Debt does not need to become a way of life! When you are struggling with sleeping, with collections calls, with your relationships, and perhaps even your health, please know there is help and solutions to all of those. I know I can breathe, smile and dance again thanks to David Moffitt and 4 Pillars! From $95,000 in debt down to $18,000 and debt free while learning credit rebuilding habits in five years! Woohoo! I can’t begin to explain the impact this has on our family! Thank you David! Thank you 4 Pillars!
Right from the start Christine Wagner from 4 Pillars was very helpful. Always answered my questions right away. We had to go this route with the amount of debt we had. We didn’t take the decision to do this lightly. We have spent our lives keeping perfect credit. Still struggling with the fact we lost our credit but $75,000 was a ridiculous amount to pay interest on. 4 Pillars got it reduced to $24,000. Saved our lives and marriage.
I have rated this company five stars as I received a Five-star Experience. I was hesitant at first but once I went into their office and spoke with a financial advisor I was well taken care of. My debt of almost $30,000 was reduced to $9600. I am eternally grateful for the help I received. The entire process was hassle free and stress free. Thanks 4 Pillars!
4 Pillars successfully reduced my debt by nearly 80%, i.e., from over $100,000 to $24,000. This made a lot of difference for me after struggling with paying down my debts for over 20 years. Every member of the 4 Pillars firm were very helpful and professional. I highly recommend 4 Pillars to anyone who is in a tough position with debts in difficult times.
I recommend 4 Pillars to everyone in need of help if they find themselves in big financial trouble. Me and my wife never thought we could get out of debt. But because of you we were able to get away with more than $100,000. We tried our best to find means just to payout. We are in a situation where we had three jobs but still couldn’t pay everything and even our health suffered. Thanks to 4 Pillars because you did everything for our consumer proposal to be accepted. Now we are only paying $375 a month for 5 years. I’ve seen the effect in our lives which is why I recommended your company to people close to us. Thanks again because we are living debt free and stress free now. The consumer proposal you did for us is such a blessing. We suffered in helping our family but it’s a joy for us because we see them in good condition and we get rewarded of this consumer proposal being accepted.
It was one of the most difficult decisions that I have ever made, being in debt was really not an issue for awhile until my spouse was diagnosed with Stage 4 Rectal Cancer. We still tried to maintain our obligations but it was getting tougher month by month. Then we started missing some payments, started relying on payday loans to get the necessary medical supplies needed for my wife’s care. I then started to browse online for information on bankruptcy versus debt consolidation and I come across 4 Pillars and was blown away by the positive responses from prior clients. I have to tell you it was the best decision I have ever made. I had a meeting with a 4 Pillars representative and explained what I was going through, we discussed all options open to me and thought it best to go with a consumer debt proposal. I really need to thank Jim Ferguson at the local Hamilton office he has made my life so much easier now, I was paying almost $700 per month on credit products that we had and with his valuable help was able to trim the payment to $100 per month, Thank you Jim for all your hard work.
Coming to 4 Pillars Consulting was probably the best decision I have made in a very long time because I was getting in quite the pickle with all my bills and many years of interest paid on my debt.
Having almost $30,000 in debt wasn’t looking very good, 4 Pillars was able to reduce that down to $9000. I couldn’t be more happy with them helping me out with this. Such a stress reliever that my debt won’t continue to grow anymore with lots of interest. I like the fact that they are there to work with you.
After going between jobs, this definitely helped me out a lot with $150 payments per month with no interest for the next 60 months. I like the fact that if I wanted to pay it off, that I can make lump sum payments.
I have been in debt for over 7 years. I pay my bills on time and gave more than was required but it just seemed to be on one level. It never went down! I registered for the OPD program by Money Mentors and after paying $640.00 for 4 years, it only reduced my $54,000 debt by $20,000. After losing my job with an oil and gas company, I realized that the OPD payments is no longer attainable. I saw the 4 Pillars advertisement on Facebook and contacted them. Within 2 months, my Consumer Proposal was approved. I went from a $34,000 debt to $4,340, I will be paying off by the balance by the end of 2017. Thank you 4 Pillars for referring my file to an Insolvency Trustee, the professionalism that I encountered and your credit rebuilding services.
4 Pillars was more than helpful. They explained every option I had and took really good care of me as a customer. I was debt free in no time, I saved more than $25000 in debts
I highly recommend 4 Pillars.
A good friend of mine referred me to 4 Pillars for debt consolidation. The first few months was very stressful but after meeting with the trustee, I felt hopeful. A light at the end of the tunnel. I was thrilled and so happy to receive an email from Peter Temple of 4 Pillars. My proposal passed. It felt like a torn was taken off my chest. I’m very grateful to all the staff of 4 Pillars and Sand and Associate for helping me cut my debt to almost 80%. Thank you so much for all your help.
Before meeting Frank my husband and I were in a terrible financial situation. We were drowning in debt, living pay cheque to pay cheque and couldnt keep up with our bills and payments. Yes, we were skeptical at first in contacting 4 Pillars. But thankfully we did. When we met with Frank we never felt judged about our financial situation. He took the time to explain everything to us and what are options were. He made us feel comfortable and was and is always there to answer our questions and concerns. We are now on a path of financial security and we have no troubles paying and keeping up with our bills. Contacting Frank at 4pillars was the best decision we could have ever made. Thank you Frank for everything!
In the summer of 2014 my wife Sandra and I went to 4 Pillars and seen Jane Williams. We were told by other people that the only solution to our financial problems was with a bankruptcy. Jane told us of a better plan for our situation, she said that a consumer proposal would be a better solution. She also told us that with our fee we would get lifetime support with our financial journey.
Jane got us two credit cards at the begining of the process so that we could start to build our cedit score. She also taught us how to better manage the money that we had coming in and not to live beyond our means. We went through with the plan and since then we have cleared all of our outstanding debt, have increased our credit score and have also managed to save money, someting we were unable to do before.
With regards to the lifetime support we recently saw Steve DuBarry becauce we had noticed discrepancies with our credit report. He not only told us how to get started but assisted in filling out the paperwork. He also told us that he had contacts that could help us get our new vehicle. We are and will be forever grateful to the 4 Pillars team for all of their support.
At the age of 19, when I began working with Charlie and Monique, my goal was to establish a positive credit rating so I could eventually buy my own place. Shortly after I turned 21 I became the owner of a 2 bedroom condo in downtown Kelowna.
In preparing for this purchase I received guidance on applying for and effectively using credit to build my credit score. Charlie also introduced me to other professionals (financial planners, mortgage brokers and realtors) at an early stage to assist me in the process. I was able to effectively budget to save for my down payment, and I was informed of the costs involved in a property purchase. Any financial questions I had were clearly explained. 4 Pillars helped me create a solid financial foundation that will help me achieve all of my future financial goals.
When the family business failed and a divorce soon followed, a perfect storm of devastation was all I had left. 4 Pillars helped save my home and any chance for a successful future I had left . Their solid advice, innovative strategies and continued support paved the way for rebuilding my credit and teaching me how to spend intelligently. Two years later, I’m debt free and my credit is up 100 points. I am well on my way to the finish line and have Charlie, Monique and the entire team at 4 Pillars to thank.
I am a single mother of teenaged boys. I receive no child support. I got badly into credit card debt due to dental bills and just trying to provide for my son’s. I was paying approximately $600.00 per month just to service my debt. It kept me up at night and I was afraid. So I called 4 Pillars after seeing an ad on Facebook. Tasha and Taryn were so very helpful and friendly to me. I was ashamed and embarrassed at being in my situation but the staff put paid to that right away. I now pay only a fraction of what I was paying to service my debt before and I can actually sleep at night now. And I am rebuilding my credit. I also received excellent advice about budgeting and actually saving some money. I am very grateful to 4 Pillars for helping me and would highly recommend this company if you have a debt problem.
I was having financial difficulty after a divorce and didn’t really know where to turn. I found 4 Pillars in my local area on google and it had a great review, so I gave David a call. David gave me advice, guidance, and coaching throughout my consumer proposal. He answered any questions I had in person or by email promptly and in full. I no longer worry about living paycheck to paycheck and having bills piling up. Now that my bills have been consolidated, I’m paying a fraction of what I was previously, my credit is improving every month, and I have savings for a rainy day!
I want to first start off buy saying thank you to Zach Brull, 4 Pillars Consulting. This has truly been a remarkable journey and life learning experience. Things weren’t going very well for me way I needed help desperalty. No one likes to feel cornered by creditors calls and receiving threatening letters, it was very upsetting, frustrating and stressful not knowing what other options were out there to deal with situations like this out there. I was praying that if there is a light at the end of the tunnel to get me out of the mess I am in. So happen Zach came into my life and changed my life completely from good to bad.
I was introduced to 4 pillars and what they stand for, I was amazed with the information that was given to me by Zach. Zach made it sound so easy and got me back on my feet and I finally took a leap of faith and signed my consumer proposal I said to myself it was easy. Now is the time to get on the right track and start fresh and living life stress free. I want to thank Zach for his tremendous dedication and hard work in putting me and my worst situation into good situation. If it wasn’t for Zach (4 Pillars) helping me getting out of debt I wouldn’t be were i am today debt free.Thank you 4 pillars and Zach for everything.
A recent review of our joint finances by a financial acquaintance led us to realize that our current situation was untenable, well beyond repair by means of any debt consolidation strategy. He said, however, that he had a friend who could help, and a day later we received a call from Shawn Frank of 4 Pillars, Montreal. This call was life-changing, for the better.
After listening to an overview of our income to debt ratio, Shawn said that a “Consumer Proposal” would be needed and he discussed what this meant and what would be entailed to have this go forward.
We were incredulous that this strategy even existed and it took several phone calls and e-mail follow-ups for us to believe that this possibility was actually available to us. Shawn was ever-encouraging in going forward with this over the next several weeks. All queries to him by phone and/or e-mail were promptly replied to no-matter what the hour. Not sure when he sleeps!
The culmination of all this was the presentation of our Consumer Proposal to the Creditor Trustee, accompanied by Shawn, who drove for three hours to support us. That was several weeks ago. Yesterday, we received a call that our proposal had been accepted without modification. Words cannot adequately express our joy and relief.
Shawn provided support and encouragement every step of the way as he worked to prepare our proposal. The result: we are no longer shackled with a life-long debt burden and are now on the road to a brighter financial future. We can breathe again.
