John and Jennifer Croft
  • John and Jennifer Croft

  • 33 City Centre Drive (Square One), Suite 361
    Mississauga, ON
    L5B 2N5
  • (289) 569-0740
  • mississauga@4pillars.ca

John and Jennifer Croft

Debt Relief Specialists

How the debt settlement & restructuring process works

From the very first phone call, you can expect that any information you provide John and Jennifer will be kept confidential.

During your complimentary consultation, John and Jennifer will walk you through the different options available to you as a Canadian debtor, what your rights and responsibilities are, what the benefits and consequences are to each option, and walk you through the whole process of redeeming your credit score.

Clients of John and Jennifer will expect to receive a full client care service thoughtfully designed to create a long term relationship that doesn't expire. Their door is always open to help people long after the debt has been eliminated.

Because of their long term approach, they have earned the trust of the community where they serve. You will often find past clients visit John and Jennifer's office regularly; coming to them for continued monthly budgeting support and accountability to ensure the prevention of financial disorder from returning.


John and Jennifer's Story: Who they are

In November 2014, the Crofts expanded their practice and became the franchise owners of the entire province of Saskatchewan, opening up and establishing offices in Regina and Saskatoon to serve clients needing debt relief. Due to the increasing and popular demand of their services, the Crofts grew their practice yet again in October 2015 and opened an office in Mississauga, Ontario to serve even more clients.

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

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

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

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

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

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

Calgary Nominations of Excellence

2014 BBB BlueTorch Award for Ethics

2014 Calgary Small Business Award for Excellence in Customer Service


4 Pillars Mississauga Personal Debt Case Study & Outcome

After seeing an online ad for 4 Pillars Consulting Group and having read their clients' positive testimonials, I decided to call them. I knew that I desperately needed help with my financial nightmare, and I tried other avenues that didn't help, so I thought I'd at least call them.

It was a fantastic decision. I spoke with Sonia Oliviera on the telephone, and she invited me to come to her office for a consultation. I did go, and found Sonia to be very helpful, with a friendly and professional approach. I came to Sonia after having spent the last couple of years trying to fix my personal and business debt loads on my own, without having any success at all. My debts were spiralling out of control, and interest charges plus persistent calls, texts, and letters from my creditors were making my life very tough. I actually did seek professional advice from four previous sources, but only one was partway able to help me, and yet they were not very easy to work with or to reach. Still, I would've used them, because they were the best I'd come across thus far, that is, until I found Sonia.

Sonia was different, because she treated me like a client who was also a person. She treated me like a priority. I felt very poorly about myself due to my situation. I was stressed and intimidated by my creditors, and I was living with the stigma of carrying a high debt load. Sonia nicely yet firmly told me on a couple of occasions to relax, because I had given control of my situation to her, and that she would help. She understood what this was doing to me, and she effectively helped me. She made me realize that my debt wasn’t what identified me as a person, and she also helped me with my finances. Sonia has integrity, and even though she is busy helping other clients, she still finds time to return e-mails and telephone calls in a timely manner, which my other prospective organization wasn't always able to do.

Sonia works with me and for me, so I finally listened to her advice to stop negotiating with my creditors, and to let her handle them for me. Her advice worked. Sonia worked hard to negotiate a workable solution to my financial predicament, and she is still there for me to offer further financial guidance as I need it. I am not just released from the stress of debt, but I am continuously learning, through 4 Pillars, to recognize the patterns that drove me to this situation, and to prevent the same thing from happening to me again.

As I write this testimonial, I feel like I am one of the many 4 Pillars success stories that I originally read about. I thought I'd be able to fix my problem, but I couldn't do so without Sonia's professional help. Thank you Sonia and 4 Pillars for treating my financial situation with respect. Thank you Sonia for convincing me to stop stressing about my creditors, and to let you handle everything on my behalf. You do so very well. I definitely recommend you Sonia to anyone needing a financial life revival.

Ivonne from Mississauga


About 4 Pillars Debt Consulting Group

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

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

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


Mississauga Debt Restructuring Information

The 4 Pillars advantage gives our clients the peace of mind that comes from choosing one of the oldest and largest debt restructuring companies in Canada. Our debt restructuring, credit rebuilding and budgeting services, offered through our Clients For Life™ program, allow us to assist our clients remove the financial barriers they face, and move forward with their financial goals, be that saving for retirement, buying a house or putting their kids through school. No other Canadian company offers such an integrated system for creating financial stability.

John and Jennifer Croft
  • John and Jennifer Croft

  • 33 City Centre Drive (Square One), Suite 361
    Mississauga, ON
    L5B 2N5
  • (289) 569-0740
  • mississauga@4pillars.ca

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