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Kitchener Testimonials

  • Scott Patton

  • 675 Queen Street South, Suite 244
    Kitchener, ON
    N2M 1A1
  • 519-502-9227
  • scottp@4pillars.ca
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Kitchener Testimonials


I want to say "Thank You" again for all of your encouragement and help through a dark and stressful time. I can now breathe again and have my debt reduced by 70%! A huge weight has been lifted to make my life a much better place.

K&J - Kitchener, ON


I didn't want to go through the bankruptcy route

Scott, just a letter to thank you for your service in getting my debt issue resolved and put into a satisfactory position by eliminating a lot of my debt load thereby saving me over $35,000 over the next 5 years and actually more if you include the interest savings. The process was quick and easy through your firm and it has eliminated a ton of worry and anxiety I had been suffering with for a long time. I didn't want to go through the bankruptcy route and this allows me to avoid that process and continue to live a normal life. So in closing I am very thankful to you for showing me a way out of this mess and that you were able to make the payments much lower than what was previously required.

Ron - Kitchener, ON


Approximately 3 years ago my husband came home from work looking quite distressed. He told me our financial situation was deteriorating and no matter how many extra hours we added to our work week, the bottom line was, we would hardly be able to keep up with the interest payments on our debt and still keep the house running.
He had a form he had picked up explaining what a consumer proposal was and a questionnaire. He wanted us to discuss doing a consumer proposal. I remember becoming very agitated and crying, I believe I uttered the words ‘ I would rather work myself to death’. He put the form away and we didn’t speak of it again until last year. As he had predicted, all of the extra hours, and even an intervention by family didn’t solve our money issues.
A few months ago, he had intended to retire from his job and keep his second job which according to his calculations would bring us in more money then if he would not retire. Well, as fate would have it, our lives became quite disrupted when he was laid off with no light in sight.

Someone was however looking after us, maybe a divine intervention, but he found an ad for 4 Pillars in the local paper and he brought it to my attentions. This time I listened as I knew we had to work on fixing the situation. We called the number, I was distraught at the time and when Scott answered the phone, he immediately relieved my anxiety by saying, ‘don’t worry, I am certain there is something we can do to help you’. Scott setup an appointment so that he could discuss our options and go over our situation.
From the minute we entered the reception area, we were treated with kindness, respect and courtesy. Scott was absolutely everything we hoped he would be, professional, sympathetic, and most of all non-judgemental. We left his office knowing we would get the help we needed here at 4 Pillars. Scott assured my husband and I that the creditor calls would soon stop, and to just refer them to his office, and that in itself was a blessing, as the nerve wracking conversations with them over the phone were taking its toll on our mental health.We followed all of the steps set out by Scott and the time came to meet our trustee.
The meeting, ( even though nerve wracking for us ), went exceptionally well and we went home hopeful that our creditors would be satisfied with everything that was presented to them by 4 Pillars. Finally, the day came when we received the call that the proposal was accepted by all of the creditors.

My husband and I sat down and together we thanked god for letting us find that article and then meet Scott. We still have a lot to learn on budgeting and credit rebuilding but we are certain with 4 Pillars help we will meet all of our goals.

To anyone who like us is going through mental, physical anguish over debt overload we offer this: Review your situation, swallow your pride and get help. We fully recommend Scott at 4 Pillars. There is absolutely no one that we ever met before while dealing with our finances that made us feel respected and worthy of this blessed intervention. We look forward to all that we will continue to learn through 4 Pillars.

Steve - Kitchener, ON


After losing my job to an injury, the stress of providing for my family was increasing as rapidly as the bills were stacking. Feeling like we had come to a dead end, we took one more leap of faith and contacted Scott Patton from 4 Pillars Consulting. Scott handled our financial debt with outstanding professionalism. He was always quick to respond to any questions or concerns we had. He handled the process of our situation with ease and formed a trust with us that was comforting. Because of Scott’s devoted assistance and success with our case we were able to start our own small business. We would highly recommend his services!

Signed
J&A

J&A - Waterloo, ON


4 Pillars: Their helpfulness in our time of crisis saved us from disaster at this time in our life. Very professional and understanding is what we got so it gave us peace of mind knowing they were solving our anxiety and putting us on track again to start life!

L&W - Kitchener, ON


DROWNING IN DEBT

My husband and I were literally drowning in credit card debt with creditors calling us up to six times a day until I saw the advertisement for 4 Pillars and decided to setup a meeting with them. This changed our lives and lifted a considerable amount of stress off our shoulders. Thank you 4 Pillars for freeing us from harassing phone calls and unbelievable interest rates. We are finally able to enjoy our lives again with lower payments and we did not have to go bankrupt to do it!

C.W. - Kitchener, ON


To whom it may concern: My name is Michelle and I recently hired Scott Patton from 4 Pillars to help consolidate built up debts that incurred last year. Due to the amount of debt I was in, I was overwhelmed with figuring out how I was going to pay these companies back without having enough income to do so. At this point I was referred to 4 Pillars, where Scott was able to show me my options on how I could consolidate my debt and speak to my Creditors on my behalf. After discussing all my possible options, I was able to choose the correct solution to my problem and receive peace of mind knowing I had found the right place to help me with my overwhelming debt. I am thankful and happy to say I will recommend 4 Pillars for anyone in a state of debt crisis.

Michelle - Kitchener, ON


4 Pillars has been a great help. They helped us get our lives together and back on track again. They helped reduce our debt and put us on the path towards being financially stable. We can’t thank you enough with our words.

Sincerely,

C.K.

C.K. - Kitchener, ON


I can breathe again

I want to say "Thank You" again for all of your encouragement and help through a dark and stressful time. I can now breathe again and have my debt reduced by 70%! A huge weight has been lifted to make my life a much better place.

K & J - Kitchener, ON


After my initial assessment with 4 Pillars a huge weight was lifted from my shoulders. My stress level went down. There was a light at the end of the tunnel. They were professional and respectful and kept me well informed of what was going on. They were easy to talk to and helped me understand all of my options. I would highly recommend this company to anyone with financial issues.

Sandy - Kitchener, ON


This note is to express how I feel about 4 Pillars. I have been treated like I was investing in the company they were so kind. I was given all of the information I needed and Scott Patton was the best, very professional and friendly. You should be proud to have these people working for your company. Thank You

VL - Kitchener, ON


4 Pillars was a huge help to easing the financial stress in my life. They were very informative and gave me lots of options. They were very friendly and easy to talk to. I would recommend them if anyone was in the same situation as myself.

Janet - Kitchener, ON


I was in a financial crisis and a family member suggested I call 4 Pillars for help. I made the call and within a week we had a plan together to take the financial stress away, and rebuild my credit. The support I received was phenomenal. I would recommend 4 Pillars to anyone with financial burdens. Thank You

Bryan - Kitchener, ON


Scott at 4 Pillars Consulting is amazing! He doesn’t judge, shows humility and kindness and is willing to make sure you are comfortable with any direction you take with your financial situation. I’ve asked him dozens of questions ( sometimes the same question phrased differently ), and he always answers with grace.
Even after a few changes had to be made with our proposal, he was right there to make sure we knew what to expect and how to navigate any unexpected issues. Overall, I was highly satisfied with my experience at 4 Pillars and would HIGHLY recommend them to anyone seeking sound financial advice.

Darren - Kitchener, ON


DIVINE INTERVENTION

Approximately 3 years ago my husband came home from work looking quite distressed. He told me our financial situation was deteriorating and no matter how many extra hours we added to our work week, the bottom line was, we would hardly be able to keep up with the interest payments on our debt and still keep the house running. He had a form he had picked up explaining what a consumer proposal was and a questionnaire. He wanted us to discuss doing a consumer proposal. I remember becoming very agitated and crying, I believe I uttered the words “ I would rather work myself to death”. He put the form away and we didn’t speak of it again until last year. As he had predicted, all the extra hours and even an intervention by family didn’t solve our money issues. A few months ago, he had intended to retire from his job and keep his second job which according to his calculations would bring us in more money then if he would not retire. Well, as fate would have it, our lives became quite disrupted when he was laid off with no light in sight. Someone was however looking after us, maybe a divine intervention, but he found an ad for 4 Pillars in the local paper and he brought it to my attentions. This time I listened as I knew we had to work on fixing the situation. We called the number, I was distraught at the time and when Scott answered the phone, he immediately relieved my anxiety by saying “don’t worry, I am certain there is something we can do to help you”. Scott setup an appointment so that he could discuss our options and go over our situation. From the minute we entered the reception area, we were treated with kindness, respect and courtesy. Scott was absolutely everything we hoped he would be, professional, sympathetic, and most of all non-judgemental. We left his office knowing we would get the help we needed here at 4 Pillars. Scott assured my husband and I that the creditor calls would soon stop, and to just refer them to his office, and that in itself was a blessing, as the nerve wracking conversations with them over the phone were taking its toll on our mental health. We followed all of the steps set out by Scott and the time came to meet our trustee. The meeting ( even though nerve wracking for us ) went exceptionally well and we went home hopeful that our creditors would be satisfied with everything that was presented to them by 4 Pillars. Finally, the day came when we received the call that the proposal was accepted by all of the creditors. My husband and I sat down and together we thanked god for letting us find that article and then meet Scott. We still have a lot to learn on budgeting and credit rebuilding but we are certain with 4 Pillars help we will meet all of our goals. To anyone who like us is going through mental, physical anguish over debt overload we offer this: Review your situation, swallow your pride and get help. We fully recommend Scott at 4 Pillars. There is absolutely no one we ever met before while dealing with our finances that made us feel respected and worthy of this blessed intervention. We look forward to all that we will continue to learn through 4 Pillars.

Anonymous - Kitchener, ON


UNBELIEVABLE

I spent a long time just trying to take care of my debt myself. Constantly trying to pay off the bills, and somehow manage to have a life. It wasn’t working. You miss one payment, and it takes months to correct for it. You have no money while you do it. What good is good credit and no money? 4 Pillars had advertised in the same booklet that my work had used. I had seen the ad, and thought about how nice it would be to be out of debt. However, it wasn’t for another year of trying and fighting that I decided to see what my options were. So I gave them a call. They had me in as soon as I could find the time. I met with Scott, and he showed me everything available. I almost didn’t believe him at first. In a few months I could be on a plan that fixes my problems, and puts money in my pocket. Not only that, but also started helping me to rebuild my credit while I am paying the debt off. Actually paying it off, and not the interest. Thanks Scott, and 4 Pillars.

Anonymous - Kitchener, ON


My overall experience with Scott at 4 Pillars was great. Scott was very professional and friendly. It was very helpful that Scott was able to schedule appointments at my convenience and around my schedule. It's great to finally be debt free. I recommend 4 Pillars to anyone who needs financial assistance!

Troy - Kitchener, ON


To whom it may concern,

I wish to mention that Scott and his staff at 4 Pillars Consulting Group met with me in a timely and professional manner. They seemed to really care. All of my questions were dealt with in an upfront way as the process of debt settlement continued for me and as I did not wish to enter bankruptcy.
Thank you for your help and support!

P.W. - Kitchener, ON


The harassment from creditors has stopped

We want to thank you for helping us to get our finances back in control. The phone call harassment from creditors has stopped. We can now sleep at night without getting stressed out. We really appreciate what you have done for us. Thank You.

J. & D. W. - Kitchener, ON


Before I called Scott at 4 Pillars, I had been thinking about contacting them for a few months. On a cold January afternoon, I was left with no choice but to finally do it an hour after I was laid off from my job, which was barely allowing me to make even the most minimum of payments on my debts.
The haziness and anxiety surrounding the months prior to reaching out to 4 Pillars for help started disappearing after my first phone call with Scott. I’m sure that he didn’t believe that I ‘had a cold’, and could tell that I was stressed beyond belief, but he spoke to me like I wasn’t a complete failure, which is the feeling that followed me very closely that day.

I felt comfortable with him right away and looked forward to our appointment very much, as much as I resented the fact that I found myself in this situation. After a series of unfortunate events, I was left with debts that I would not have been able to pay off unless I married into royalty, and was close to declaring bankruptcy.
Scott provided me with enough information and options that I never had to go through with this option and was able to settle on the consumer proposal as a way to deal with my debt.

Although a relief in some sense, to bring your debt down to a manageable size, it is still a difficult process to go through, but Scott was there every step of the way and made the whole thing seem less daunting than it did in the beginning.
I can’t thank you enough for the humanity you brought to the whole process Scott, and for reducing my debt from $47,000 down to just $14,700.

Sincerely,

H.B.

H.B. - Waterloo, ON


When I realized there was no possible way to keep up with my credit card payments and the stress was becoming too much to handle, I called 4 Pillars Consulting. After my first phone call, I already felt relief. Then, after meeting with Scott, my Turnaround Consultant, I felt like a giant weight had been lifted from my shoulders. He was able to drastically reduce my debt and turn my one monthly payment into something I can easily manage now. Scott is a real person who treated me like a real person, and can appreciate that people like me need help. The stress relief I feel now is great and I can go back to enjoying a stress free life.

LH

LH - Kitchener, ON


Thank you for getting us through an awful time

We just wanted to thank you for getting us through an awful time in our financial lives. We are so thankful that there are services out there that could help us start over without losing everything. We will definitely forward your name to anyone we come across whom we feel could use your services. Thanks again for helping give us a fresh start. Sincerely, Steve and Andrea

Steve and Andrea - Kitchener, ON


I was referred to 4 Pillars by a good friend of mine who saw I was struggling. I was going through the worst time of my life after being defrauded. My friend came with me to my first appointment as I didn’t know what to expect and was really nervous. I believed I would be regarded as not being too bright because of my situation.
Right from day 1 Scott made me feel at ease. There has been no judgement. Scott has been there to answer any questions or concerns I have had. I am working on trust issues still. I put my trust in Scott and have not been disappointed. I found out on December 4/2015 that my consumer proposal was accepted. It was an emotional day. If you are debating about whether or not to contact 4 Pillars, do yourself a big favour and go for it. You have absolutely nothing to lose but wasted time paying interest rather than paying down principle. There is a light at the end of the tunnel. Thank you Scott!

Kelly - Kitchener, ON


After a significant injury, I was left unable to work for a little over a year which left me turning to credit cards and payday loans to make ends meet. My finances crumbled and I felt myself running out of options. I spiraled into a depression, which only added insult to injury. After looking online trying to find out what my options were, I stumbled upon 4 Pillars. Scott contacted me right away and offered great knowledge and expertise. He went through all of my options with me and helped me figure out the best strategy. Because of Scott, a huge weight was lifted off my shoulders and I am now able to focus on regaining my financial footing.

Scott, thank you from the bottom of my heart for all of your help.

Ashley - Cambridge, ON


I would like to say that from the time I phoned Scott Patton at 4 Pillars Consulting he was very thoughtful in the way he approached my financial problems.
He set up a meeting with us both as quickly as possible and pointed out to me all of what was required.

Any questions or concerns I had, Scott was very quick in answering my emails and helping me out when I really needed support.
If at any time I know of anyone who is having financial difficulties, I will not hesitate to direct them to phone Scott at 4 Pillars Consulting.

Yours truly,

Christine

Christine - Kitchener, ON


After speaking with a 4 Pillars representative for just 20 minutes, I felt a great weight being lifted off my shoulders. Just knowing that I had options helped me feel more optimistic about my financial future!

Rebecca - Kitchener, ON


Many thanks to 4 Pillars for giving us our life back! Our debt was significantly reduced and we are now able to manage our finances successfully AND save for the future!

Thanks again!

G&K - Kitchener, ON


I first met with Scott on January/2010. My debts had overwhelmed me and I needed guidance and help so I could restart my life without going bankrupt. I am 60 years old and had been dramatically affected by the recession.
Scott has been able to layout a plan that will allow me some freedom to enjoy life, anxiety free. Scott’s professionalism and calm approach to solving my financial issues was a godsend. Thank you Scott!!

G.G. - Kitchener, ON


In the few years preceding 2013, my family was, like many Canadian families, living a life of quiet desperation. We were financially devastated.
This situation began when my husband was sued by a client. This was certainly the catalyst. He went into a deep depression, and, of course, didn’t work for a while. I had to pay all of the bills which included 3 credit card accounts. I had been using these cards to help with the monthly expenses.

I started looking around to find a solution to this situation. But the worse was to come. I did some research, asked questions, and was given all kinds of advice. Following some of these, included, ‘Stop paying the cards’. I had never missed a minimum payment. That was the only way those companies would take my case, and after I had saved enough money, they would negotiate a settlement for me with my creditors. In the meantime, I was to pay them a monthly fee. In hindsight, that was very bad advice.
As I followed this advice, the calls started, and finally, all accounts were put through the courts, and my wages were being garnished. By this time, no one would help us. We lost additional money paying these companies for services not rendered. Can anyone imagine the level of stress and strife within my household?

Then, by luck ( I call it that ), I was introduced to 4 Pillars, and Scott Patton. I explained our situation, and his first words were: 'We could get you out of this predicament within a couple months.' So said …..so done.

To us, the process seemed simple. But we knew that the legal procedures and process that Scott and his team were following were extremely detailed. They fought for us, and truly worked on our behalf. We were kept informed through every step, and finally in a few months, we were able to resume our lives stress free.

There is a very important feature of the 4 Pillars program which includes budgeting and credit rebuilding. Having followed their guidelines and ongoing advice, I can say that only after 14 months, both my husband and I have decent credit scores. So much so that we were able to secure a car loan and we were approved for an unsecured credit card to help us rebuild our credit.

Through education, all the myths regarding debt reconstruction were dispelled. We found this to be a safe program designed to help us. We also learned quite a few lessons, one of which is that there is a company out there truly committed to helping families in trouble.

C&G - Waterloo, ON


4 Pillars has been a godsend to us. The creditors are no longer on our backs and we can answer the phone and breathe again. The process was easy and quick and the staff was friendly and understanding.

Jennifer and Robert - Kitchener, ON


I spent a long time just trying to take care of my debt myself. Constantly trying to pay off the bills, and somehow manage to have a life. It wasn’t working. You miss one payment, and it takes months to correct for it. You have no money while you do it. What good is good credit and no money? 4 Pillars had advertised in the same booklet that my work had used. I had seen the ad, and thought about how nice it would be to be out of debt. However, it wasn’t for another year of trying and fighting that I decided to see what my options were. So I gave them a call. They had me in as soon as I could find the time. I met with Scott, and he showed me everything available. I almost didn’t believe him at first. In a few months I could be on a plan that fixes my problem, and puts money in my pocket. Not only that, but also started helping me to rebuild my credit while I’m paying the debt off. Actually paying it off, and not the interest. Thanks Scott, and 4 Pillars!

Thanks,

Kevin M

Kevin M - Kitchener, ON


I just wanted to thank you 4 Pillars for not only reducing my debt but also reducing an overload of stress that my family and I have been under!

H.S. - Kitchener, ON


December 7/2009

I found Mr. Patton insightful to the emotional as well as the economic needs of people. He was very respectful and thoughtful to me. Because he is very thorough and organized, the process was understandable and went smoothly.

Sincerely,

G.K.

G.K. - Kitchener, ON


HELPED ME TO REGAIN MY MENTAL BALANCE

Hi Scott, Just wanted to drop you a line because this is a very special day for me. However, let me first thank you for all the work you did on my behalf and all the patience you displayed. When I came to your office I was a nervous wreck and a financial one as well. What is more, I did not trust anyone, but I thought what did I have to lose? Well, I did lose, big time, 2/3 of my debts to be exact. I went from $21,000+ down to $7,000. You also worked out an acceptable payment schedule, answered all of my questions honestly and above board and this helped me to regain my mental balance. So, why is today a special day? This morning I was informed that my proposal has been accepted. What a relief. Thank you so much. To anyone who is in the same situation a I was, I can honestly say that at “4 Pillars” they will find the help, respect, and professionalism they need. Thumbs up and thanks again! Your grateful and happy client, I.B.

I.B. - Kitchener, ON


I have received very professional and satisfying service from Scott Patton and 4 Pillars Consulting. Everything was explained to me in great detail on what would transpire, and he was very accommodating for appointments and working around my schedule. I would highly recommend Scott and 4 Pillars Consulting. Scott has made this transition much easier for me.

DM - Kitchener, ON


To whom it may concern:

I would just like to say a few words about my experience with 4 Pillars Consulting Group. My consultant, Scott Patton, has been a great help. Upon my first visit I felt very relieved after talking with him about my situation. I was under a lot of stress because of my lack of discipline financially. I have just gone through a separation and needed to start over again.

Scott explained all of the processes very clearly and in a simple format that made it easy to understand. He broke down all I needed to present to him. I am hoping that this will allow me to get a grasp on my life again and to turn things around in a positive nature.

D.L. - Kitchener, ON


I want to say ‘Thank You’ again for all your encouragement and help through a dark and stressful time. I can now breathe easier and have my debt lowered by 70%. A huge weight has been lifted to make my life a much better place.

KJ - Kitchener, ON


We just wanted to say thank you for getting us through an awful time in our financial lives. We are so thankful that there are services out there that could help us start over without losing everything. We will definitely forward your name to anyone we come across whom we feel could use your services. Thanks again for helping give us a fresh start.

S&A - Kitchener, ON


YOU SAVED OUR HOUSEHOLD!

Dear Scott and 4 Pillars, Thank you so much for all your help! Because of your services provided, my spouse and I can look forward to our financial future. After each of us experiencing major job loss in the home, we struggled every day. With your help, we are getting back on our feet and on our way to success. Everyone at 4 Pillars has been so kind and helpful, including flexible schedules, and excellent listeners. The services provided for me, by 4 Pillars, was so much more than financial restructuring. Thank you Scott and 4 Pillars, you have saved our household! Sincerely, Melissa

Melissa - Kitchener, ON


Scott, thanks for treating me with respect throughout this whole ordeal. You saved me a great deal of money and I could keep my house! Wow!
I am sleeping much better. Thanks again.

Darryl - Kitchener, ON


July 2009,

I came to Scott at 4 Pillars stressed from my debt load, being harassed daily by phone calls from creditors who yelled at me, degraded me, and did not offer any help.
Scott reduced my debt load, set up an easier payback schedule, arranged for me to receive some budget and finance counselling, and made the light at the end of the tunnel visible and achievable.
It was nice not to be yelled at or belittled. Thank you so much for your assistance!

L.S. - Kitchener, ON


4 Pillars, We want to thank you for helping us to get our finances back in control. The phone call harassment from creditors has stopped. We can now sleep at night without getting stressed out. We really appreciate what you have done for us. Thank You.

J&D W - Kitchener, ON


STRESS AND SLEEPLESS NIGHTS STOPPED

Before meeting with Scott at 4 Pillars Consulting I was receiving 4-5 calls per week from my creditors. I was losing sleep and feeling stress every day. Once I made the choice to contact 4 Pillars Consulting my stress and my sleepless nights stopped. Scott was considerate and understanding of my situation and never once made me feel like a bad person for being in financial difficulty. Scott explained my options and guided me to the perfect plan to get me out of my situation. I am very grateful to Scott for helping me get my life back in the proper order. Thank you Scott for a job well done. I would recommend 4 Pillars to anyone that I know that is feeling the same stress I did when I was having financial problems.

Guy P - Kitchener, ON


I was in a financial crisis and a family member suggested I call 4 Pillars for help. I made the call and within a week we had a plan together to take the financial stress away, and rebuild my credit. The support I received was phenomenal. I would recommend 4 Pillars to anyone with financial burdens.

Thank you,

Bryan

Bryan - Kitchener, ON


No possible way to keep up with my credit card payments

When I realized there was no possible way to keep up with my credit card payments and the stress was becoming too much to handle, I called 4 Pillars Consulting. After my first phone call, I already felt relief. Then, after meeting with Scott, my Turnaround Consultant, I felt like a giant weight had been lifted from my shoulders. He was able to drastically reduce my debt and turn my one monthly payment into something I can easily manage now. Scott is a real person who treated me like a real person, and can appreciate that people like me need help. The stress relief I feel now is great and I can go back to enjoying a stress free life.

LH - Kitchener, ON


Scott is A+ in my books. He definitely goes that extra mile for you and super friendly and easy to talk to.

Marcel - Kitchener, ON


Dear Sir,

I thank you so much for your help with my finances. This will help me a lot with my cash flow. I will definitely refer you to everyone in need of this service. Thank you!

DM - Kitchener, ON


Very trustworthy and friendly debt consulting services provided by Scott Patton. I came to his office with a problem and he helped me leave with a solution. Scott will support you with a clean cut plan and guide you from point A to point B.

I highly recommended him to anyone who wants to get their finances and life back on track! Thanks Scott!

Johnny Tango - Kitchener, ON


I wanted to take a moment to thank you and 4 Pillars for helping me through a very difficult time. With your expertise and compassion for my situation, we were able to achieve the best possible plan for my debt restructuring. To say that this is life altering would be an understatement.

We were able to tailor make my solution rather than ‘ box it into’ to a conventional plan that wouldn’t guarantee my personal success at all.

This experience has been a very positive one despite the circumstances and I also must thank you for doing what you said you would do. It also was incredible that I was able to reach out and contact you whenever questions would crop up.

I can now face each day knowing that everything has been taken care of and that there is a time defined ‘light at the end of the tunnel’. How comforting is that!

I would highly recommend you Scott and 4 Pillars for helping me successfully win the debt battle! It’s a battle I could never win alone….

Warmest regards and with Sincere Appreciation.

Rhonda - Kitchener, ON


After a significant injury, I was left unable to work for a little over a year which left me turning to credit cards and payday loans to make ends meet. My finances crumbled and I felt myself running out of options. I spiraled into a depression, which only added insult to injury. After looking online trying to find out what my options were, I stumbled upon 4 Pillars. Scott contacted me right away and offered great knowledge and expertise. He went through all of my options with me and helped me figure out the best strategy. Because of Scott, a huge weight was lifted off of my shoulders and I am now able to focus on regaining my financial footing. Scott, thank you from the bottom of my heart for all of your help.

Back on track - Kitchener , ON


I sincerely thank Scott for all his help.

Over the last few years I had managed to run up over 60k of unsecured debt. Mainly credit cards and a line of credit. I had approached the banks to help with a loan to pay off the debts, but because of the high minimum payments I was not able to afford it. Due to the high balances that I was carrying, the interest rates kept killing me and it was becoming a challenge just to make the minimum payments. I was stressed and my wife was very sick and it was taking a toll on my health. It was hard just trying to make ends meet. I was constantly searching the internet for solutions when I came across 4 Pillars and I contacted Scott and he assured me over the phone that he could help me out. I must admit that initially I was a little skeptical. I met with Scott and he was able to discuss various options. Scott seemed very concerned about my situation and assured me he could help. We were able to come up with a settlement proposal based on what I could afford to repay, on a monthly basis over a 60 month period. The settlement was agreed to by all parties and also a lower monthly payment then previously discussed. Now I have a fixed monthly payment repaying a portion of the total debt, interest free. Having a strategy in place, and the ability to make my monthly payments has taken a huge burden off my back. I sincerely thank Scott for all his help.

Marcel - Kitchener, ON


I was apprehensive at first to go through with the consumer proposal. I did some research before I went in and asked Scott all the concerns and questions I had. His ability to deal with things, in a very professional yet courteous manner and in the way he answered my questions, made me more comfortable in my decision. I went in weary and left feeling good about the decision I made.

Skye - Kitchener, ON


Special thanks to 4 Pillars, for your professionalism in restructuring our debt. We highly recommend 4 Pillars to any person requiring help with any debt problem.

L&K - Workers - Kitchener, ON


Hello everyone. Scott at 4 Pillars in Kitchener is the best! I was worried at first and thought it was too good to be true and that it was costly to do a proposal. Scott seemed so knowledgeable and has been helping people in my situation for years and he is part of a very reputable company so I went ahead with it and basically trusted my life with him as I was in financial RUIN!

I was stressed out very often and at times thought that my proposal would not get accepted and I would message Scott at weird hours day and night, and he would help me calm down so the end to this story is the best!

My proposal was accepted!! I have to only pay back a quarter of what I owed to my creditors and I was able to keep my homes and my business. I owed so much money before this I could not pay it back or even pay all of the payments every month. I thought that I was going to lose everything!

I would totally recommend Scott at 4 Pillars Kitchener to everyone and I always will. Thank you Scott!

J.P. - Kitchener, ON


I would recommend them to anyone!

I sit here and write this remembering the day I emailed 4 pillars asking for help. Within a few hours Scott had messaged me asking to set up a meeting as well as if it was okay if he called me. I was embarrassed and uncomfortable as honestly anyone would be telling someone you need help getting out of the situation you got yourself into! Scott made sure to explain everything in detail and made me feel comfortable and not at all stupid! The experience and knowledge this company has is amazing, and I would recommend them to anyone! Thank you!!

Rebecca - Kitchener, ON


THE END OF DEBT

Scott at 4Pillars Consulting helped lift a weight off our shoulders. Before contacting 4 Pillars we were being swallowed by our debt. We were stressed and losing sleep, worried about where the money would come from each month to cover the bills. Scott, professionally, without judgement, worked hard to show us all of our options. We filed a consumer proposal approximately 1 year ago and now we can finally see the end of our debt in sight. Thank you Scott and 4 Pillars Consulting.

Ann & Lyle - Kitchener, ON


4 Pillars has helped relieve my financial stress. Scott Patton explained all of my options clearly so I could make the best choice for my needs. He has taken me through the process step by step so I did not have the stress of trying to figure out things on my own. Thank you Scott!

D.S - Kitchener, ON


I just have to say, my advisor, Scott, at 4 Pillars was very knowledgeable and patient. He assessed my situation and worked with me at what he thought worked best for me, based on my situation. He found a solution to help get me back on track and gave me the confidence to start living my life again, without the stress of wondering where money was going to come from.

I would highly recommend the assistance of 4 Pillars to anyone who has financial debt.

P.K. - Kitchener, ON


4 Pillars reduced my debt by 70%!! I am so thankful for their help.

R.A. - Kitchener, ON

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