4 Pillars

There is a way out.

Find a debt solution that works for you.

We help to reduce your debt by up to 80% and get you back on track.
Up to 97% of families successfully complete the plans we create and become debt free.

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COVID-19 Update: We are here to help during these difficult times. Click here to learn more about the programs available to you and contact us today for a personalized review of your financial options.

4 Pillars St. Catherines

  • Sonia Oliveira

  • #702 - 43 Church Street
    St. Catharines, ON
    L2R 7E1
  • (905) 228-0630
  • niagara@4pillars.ca
Book your appointment

4 Pillars St. Catherines

John and Jennifer Croft, Niagara Debt Settlement and Restructuring Specialists

If you are researching your options for financial relief and assistance in Niagara, we can help. We've helped hundreds of Niagara families reduce their overall debt and avoid bankruptcy.

We know this time is stressful and feels hopeless - so make sure you read the stories from Niagara residents (near the middle of this page). They'll show you that while it looks hopeless right now, things can get better.


Here is our Client Care Advisor Team

Brittany Campbell Client Care Advisor 905 228-0630 niagara@4pillars.ca

How the debt settlement & restructuring process works

When you call the St. Catharine's office you can expect professionalism and confidentiality.

During your complimentary consultation, you'll learn all the different options available to you as a Canadian debtor, what your rights and responsibilities are, and what the benefits and consequences are to each option. The goal is to provide you with all the information you need in order to make a careful and informed decision.

Clients of John and Jennifer can expect to receive a full client care experience, designed to create a long term relationship with your financial success at the very heart. Even after you are debt free, the door is always open should you need any further help or support.

Because of their long term approach, John and Jennifer have earned the trust of the community where they serve. It’s not uncommon for past clients visit John and Jennifer's office for continued monthly budgeting support and accountability to ensure they stay on track now and for the future.

John and Jennifer's Story: Who they are

For almost a decade John and Jennifer have been involved helping clients across Canada become debt free. From their very first office in Calgary in 2010 to their newest office in Niagara, they have built a business around caring for their clients.

With a strong and varied history in real estate, finance, insurance and investments, John and Jennifer's years of experience have uniquely positioned them to have a layered understanding of finances and the consequences of poor financial management.

It was this understanding and experience, along with a deep desire to see people achieve financial freedom, that John and Jennifer moved their family from BC to Alberta in 2010 to start their first 4 Pillars Consulting firm in Northeast Calgary. Building on the success of that office, one year later, they expanded their franchise territories to serve the entire city of Calgary and surrounding areas.

With an eye to serving even more clients with in November 2014, the Crofts expanded their business to Saskatchewan, opening offices in Regina and Saskatoon. From there new offices opened up in Mississauga (2015), Winnipeg (2017) and, Burlington, Etobicoke and Niagara (2018).

Overall, since 2010 the Crofts and their team have been privileged to assist more than 6,700 clients achieve financial freedom and gain the skills and training they need to remain debt free for the future.

For 4 years running, John and Jennifer have won the 4 Pillars Multi-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.

Click here to view an interview Jennifer Croft did with CTV regarding 4 Pillars and the work we provide.

Calgary Nominations of Excellence

2014 BBB BlueTorch Award for Ethics

2014 Calgary Small Business Award for Excellence in Customer Service

Office Location

Office Address: #702 - 43 Church Street, St. Catharines, Ontario L2R 7E1

Tel: 905 228-0630

Book your free consultation.

Your local office will be in touch with you promptly.

"The stress and worries are over. We are living again."
Actual client testimonial. Name removed to protect privacy.
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