Hear what hundreds of clients had to say

I feel free from all those worries

Before I met Jennifer, I had $10,000 worth of debt plus interest that were so high. I was experiencing financial hardship, I couldn't think straight, or focus on what I have to do. I was finding it especially difficult to sleep at night. When I sat down with Jennifer, she was able to help me with my serious money problems. She explained to me what my options are, what I need to do and what to expect. What I am especially the most thankful for is I can now say that I am able pay back my debts that Jennifer helped reduced with no interest and have myself back on track. She was so patient listening to my stories and she explained how important it is to have a budget and save and she made sure I am comfortable in all of our meetings. Now I feel no worries at all. I feel free from all those worries thinking how I can pay it all but now that my debt has been cut. I am thankful for not having a 2nd thought of calling Jennifer's office and so thankful to her so much because without her advices and help, I wouldn't have been able to start my life anew... Thanx Jenn for making my life easier and this time I'm wiser because of your advice and counsel. Thank you so much! God bless!

Joint Testimonial for 4 Pillars Kamloops & Phoenix Fund:

A couple of years ago I found myself sitting across a table from Bob Hauck, feeling somewhat dejected over my present circumstance, but hopeful that maybe this would be the solution I had been seeking. Bob, your patience with my questions while we went through the options was exceptional, and I appreciated the time you took to be sure I fully understood what the road ahead might look like. The next significant memory I have is sitting at a restaurant table with a very friendly and reassuring Chris Jimenez, signing documents that would be a big step toward putting the debts of previous years behind me. A couple of short years later, and we are firmly on the path to debt freedom, and I have completely changed how I view financial responsibility and accountability. Publicly, a major thank you to my amazing wife who stood by during this process, patient, supportive and encouraging. To Bob Hauck at 4 Pillars and the staff at the Phoenix Fund, my heartfelt thanks for your help. The direction of this family tree will look much different, and that is due in part to the role you played along the way. Brad P

Dear Adrian and Miles I like to thank you both for everything that you have done for me. You helped me at a time in my life when I didn’t know where to go or what to do. My whole world had fallen apart. From my first appointment, I felt assured and confident that everything was going to work out, and now that everything is finalized. I can breathe once again and soundly at night and live life Thank you both Yvonne

Dear Trevor: Thank you so very much Trevor! You are awesome! You have been such a BIG help to us! Thank you just doesn’t seem enough but THANK YOU THANK YOU!!!!! You have made this very difficult time so much easier for us and your professional style is just outstanding. Reducing our debt from $76,000 to $27,600 has made all the difference in getting our financial situation under control. We now have monthly payments we can afford at zero interest so we can actually pay off our debt instead of just interest. Thank you so much from T&C Lawrie

Other financial consultants could not hold a candle to 4 Pillars

From the very first phone call, I could tell immediately that John and Jennifer were highly professional, yet warm, engaging and genuinely interested in their client's needs. Through my experience with them I have been consistently impressed with their level of service and how specifically they tailored their scope of work to my particular needs. Before I met John and Jennifer I had interviewed two other financial consultants and in comparison with 4 Pillars the others could not hold a candle, and I mean that very definitely; One of the service providers was clearly not client focused, and the other one lacked knowledge. John and Jennifer met all of my needs including being client focused and highly knowledgeable. On top of that, both John and Jennifer and their office manager Lily are genuinely pleasant people, and their personalities are well suited to the kind of business they are in; assisting people with debt management. This can be a stressful time for their clients, yet through it all they give their clients a sense of calm assuredness which ensured I felt that I was being supported by people who truly cared. I highly recommend them!

Remaining testimonials are for 4 Pillars Kamloops only:

I would just like to thank you for everything – your understanding, patience, and of course your vast knowledge in helping me get back on track with my financial life. So much of why people overspend is emotional and I believe that dealing with both areas is crucial to success in settling in for a long and prosperous future. I have never felt judged while in your presence and this is huge. I will definitely always be grateful for the working relationship we have had. Thanks again!

Adrian Thank you so much for helping us throughout situation, your kindness and understanding meant a lot to us. (Also we have now got a prepaid card from people’s trust 300.00) Sincerely thanks John & *******

Dear Trevor: I want to thank you for all you have done for my daughter to help her get her life back on track financially and give her back some dignity. I am also very proud of her doing this. She is a “survivor” and not a “quitter”. You can be assured these payments will be made on time by her. Mary Lynn knows to ask me for help if she needs it. Thanks again for everything. Have a great thanksgiving!!! May God bless you and your family. Regards Cathy Hutchison

I used to dread hearing the ring on my telephone

I used to dread hearing the ring on my telephone. It felt like there was always a bill collector wanting money. Before I met Jennifer, I had $43,000 worth of debt. I tried for years to make it go away. The stress was always there day and night. Whenever I would make any money, it would always get gobbled by the debt. When I met with Jennifer, I was able to see a way to have a real solution. She was able to explain things to me in a meaningful way without me feeling like I was being dehumanized. I have spoken to other so called "experts" in the past who had very little clue how the financial world worked. Jennifer knew the options and she helped me choose what was best for me. I have met with many other "experts" who have an agenda of selling their product which was not the best product for me. For example, I have a friend who declared bankruptcy over $6,000! The "expert" she talked to wanted to sell a bankruptcy. She was bullied into doing it so the "expert" can get the sale no matter how bad it was for my friend. Jennifer will never do that. She is a person of integrity and I would trust her advice again in the future. If you want your freedom back - call Jennifer!

Bob Hauck is a true professional and has changed my life for the better.

Dear Adrian and Myles, Sincerest thanks for your counselling and guidance with restructuring my personal debt. Your professionalism, expertise and kindness are greatly appreciated. The past year has been educational and a life learning process. THANK YOU!! I know that your door is always open and I will be in touch. Best wishes in2013! Pat.

4 Pillars Administration;

We would like to thank the administration, primarily David Moffatt, for the excellent service we received from 4 Pillars. As Debt. Relief Specialist they are second to none. As a married couple who were struggling with a failing business we were at a loss as to what our legal options were and what direction to go in. 4 Pillars was able to guide us through the process step by step. We were grateful for the support and knowledge that was shared with us. From the first to last meeting the stress of our business closure and subsequent stress on our personal finances subsided as we became aware of our options. Following the step by step Debt. Proposal plan was the best option for us after a review on our financial review.

David Moffatt was very quick to respond to all correspondence and questions. He also provided us with the essential guidance and recommendations to take control of our personal finances and responsible spending.

Having someone that truly partnered with us from first desperate contact, through all the document preparation and creditor advice, certainly eased the stress & pressure of our financial situation. Their business as “Debt Relief Specialists”, certainly is just that. We feel very grateful for the support, professionalism, knowledge and respect given to us by the 4 Pillars Administration. We would strongly recommend anyone needing direction in their debt, personal or business, to contact David Moffatt at 4 Pillars, Debt Relief Specialists.

Sincerely,
Grateful Clients

She took my debt from $32,000 to $9,600

Before I called Jennifer I was up to my neck in debt. Not really understanding the true value of money and it's worth made it very easy to rack up credit card debt. I got a second job and was struggling trying to pay over $700 monthly just making the minimum payments. After spending over a year stressed and tired from working 60 hours a week I was referred to Jennifer Croft by a friend who was also helped by 4Pillars. I explained my situation to Jennifer and she immediately took action! She took my debt from $32,000 to $9,600. My experience with Jennifer was amazing!! She was very understandable and knowledgeable and was always available any time I had questions. Instead of paying over $700 per month towards my debt I now pay $160. I've been able to quit my second job and actually start saving money. Doing a proposal with Jennifer Croft was the smartest choice I've made.

Bob was amazing! I was in a very bad place due to a divorce and a foreclosure on my home and Bob helped me get back on my feet and get my life back. I’m completely satisfied with 4 Pillars and Bob!

To Myles Thank you to you for listening and helping all you can With all my love Wendy & *******

Easy, reliable, honest and a great sence of humor which let all this be a lot less stressful

To: Mr. John Croft Like most of the teenagers, I had never cared about my credit rating during my teenage life. Although, my parents tried their best to explain me the importance of Credit history, but I never bothered. I was getting tired of all the calls from Collection Agencies & being denied for anything I will apply for. Once, I realized my mistake, most of the people told me that it was too late and that I will probably be paying back the companies that I owe for years before I can get my mistake rectified. I tried other consolidation companies before but they were more concerned about their fees, than my situation. Most of them will not even open my file until I pay their fees. Finally, through word of mouth at the airport, where I used to work, I was made aware of 4Pillars. I contacted Mr. John Croft and he sat down with me and explained to me all my alternatives. Due to numerous failures, I had a lot of questions for him and he was very patient with me and took time to answer all my inquiries. I have now already started my initial steps to rectify all the issues on my credit report and I still haven't paid full fees of this program. This proved to me and to all the people that I am talking to about this company, that the solution to your problem is their first priority. I can't thank them enough but my sincere thanks to Mr. John Croft and his team who made, what other people told me that it was impossible, so easy and conveniently possible. I wish 4Pillar's team all the best with the great work that you are doing and helping individuals like me to get a second chance to be a better citizen with a better credit history. Best Regards, Dave

I was buried and at my wits end with multiple companies threatening to garnish my wages. I was barely making ends meet as it was. Bob helped me stop the garnishes while working to get me set up on a better financial path. Very professional!

Dear Adrian What would we have done without you! Thank you for everything

Thank you for alleviating me of the debt and stress of my life. Bob you are a pleasure to work with. You are easy going and very thorough and informative. As a small business owner, 4 Pillars has allowed me to focus on the growth of my business instead of my financial situation and my debt. Thank you for changing my life!

Adrian We are so thankful for your support through our troubled times. It comforts us to know there are such caring people in the world today. We have passed your good name around so hope your future is as bright as you have made ours Linda & Dave.

Family Health Problems Fixed

I would like to start by saying how grateful I am for having met Jennifer and John Croft, along with everybody at 4 Pillars Calgary. Just a few months ago my family was in deep debt and I was extremely stressed, I felt desperate and hopeless. I kept hearing the word bankruptcy and it made me feel terrified. Our circumstances were delicate because of my daughter's health. She had been born premature and had to be hospitalized for almost a year. Once she came home, she had a tracheostomy and was put on oxygen so she required 24/7 care. I wasn't able to go back to work full time so we relied on my husband's sole income for almost 3 years. This put us in a very complicated financial situation. This all changed the minute I spoke to John and Jennifer Croft. They immediately made me feel like there was hope and gave me a sense of relief. They offered me great advice and showed me how to manage my debt in the best way possible for my family. Not once did they made me feel bad or guilty about my debt, instead they made me feel understood and they offered my financial counselling that allowed my family not only to manage our debt in a healthy manner but also to manage our budget wisely. John and Jennifer Croft are incredible knowledgeable and generous people that treated me with humanity and kindness. I cannot say enough about them. I am forever grateful for all their help. Thanks to them my family is now in a healthy route to financial balance. Thank you!

I would highly recommend Bob to assist you through your challenging financial situation. He is outstanding, compassionate and professional. He and his team worked very hard at ensuring our small business and personal debt load was taken care of in a timely manner. This process has been life changing for both me and my husband.

Dear Adrian, Thank you for all your help Bonney & Alonso.

Personal Support Regarding Financial Difficulties

I would like to send my big thank you for the awesome help I have received from you personally and the rest of your staff. I must admit that i was hesitant at first, but after thoroughly reading info from your website and listening to your convincing video ad , I would have to say I took the first step because of that. From day one being unsure of what to expect to the day the proposal was signed, I was more than happy with the personal service I received. It is the best choice I have done so far in regards to personal financing.The relief I now have knowing that I do not have to deal with stressful financial obligations, but instead steady worry free payments. Thank you so much! It wasn't easy to accept this is happening but YOU made everything ok for me and my family. I wish you the best in your profession, I know that your being a beautiful person inside and out will take you to helping more people in need.

We are sending this note to thank you for how our lives have turned around since you and 4 Pillars assisted us with our debt burden. We can breathe a lot easier and no longer are chasing debt. We could not have done this ourselves. Since our early contact, Bob has been great. We now do not live above our means and we have savings. We are gearing up for retirement. We strongly recommend 4 Pillars and Bob Hauck to anyone seeking debt relief.

Thank you so much Adrian

Friendly Staff at 4 Pillars Calgary

It is difficult to meet people as caring and understanding as John & Jennifer Croft at 4 Pillars Calgary. During such a difficult and daunting time, their ability to educate and willingness to provide sound advice was paramount to my ability to move forward. This combined with a welcoming staff and accepting atmosphere made a very difficult situation quite manageable and somewhat relieving. On a personal note, John and Jennifer are an inspiration and treat their clients as a family, which was refreshing and sets a standard that any organization could learn from. Thank you both very much for developing a solution that was suited to my circumstances and especially for continuing to walk with me, at my pace, along the way. Your Friend, Will

Adrian & Myles Everything is running much smoother now thank to you both. So glad you were recommended & we got to meet, my worries are behind me now. Sending a big motherly hug with my smile. (Ok! I know! I look like a butterfly,) but a grateful one! All the best

Wish I Had Called Sooner

I do tell all the people that are close to me that I am so glad I found you. And I tell people that I think could benefit from your services to contact you. MY ONLY REGRET IS NOT COMING IN TO SEE YOU SOONER!!! I suffered for so many years but the process was painless and enlightening. I am no longer embarrassed for what happened and starting over isn't as awful as I thought it was going to be. Thank you John - your professionalism saved my life and allowed me to continue to provide for my son.

Dealing with past debt was a very high-pressure time for us, mostly the ‘not knowing’ what might happen. So many options and lots of conflicting information. Bob took us through each process step by step and greatly helped to reduce the worry. He gave unbiased opinions on each, and helped us make the right decision on dealing with my debt; the outcome was better than we could have hoped for. Sincerest thanks to Bob for his professional help and personal courtesy during this time. Thanks again Bob!

Adrian, It has been almost a year since we sat down and you helped me Turn my financial troubles a complete 3600 I never imagined my life would turn around that quickly. I felt that I would be stuck forever, with your help, you have truly given me a new life. For that I can’t thank you enough. If it wasn’t for you I would not have what I have today. My second chance at happiness. As well as my kids future. Thank you

Trevor Glasser has been excellent for me in all ways. When I started with him, I was so depressed, could not get my mind out of the Debt problem, the bills and threatening letters coming in, and the phone calls every 5 minutes. My wife recommended him to me, he was very professional, caring and relaxed me, and we went in with a plan. Now with his excellent work, telephone calls have sopped, no more bills and no telephone calls. Proposal went through, and now with his planning I am on a budget, with no worries and can move on with my life. I highly recommend Trevor and 4 Pillars to anyone with debt problems. His forst consultation is free and he will review all your options. Thank you so much Trevor for all your help, you have saved my life

Your Credit Rebuilding Worked

I met someone that I allowed to con me financially and put my credit rating in the toilet. I found John and Jennifer and they coached me into re-building my credit and regain my self respect. Through them I was able to start repaying my creditors and avoid bankruptcy. I have been able to increase my payments so I can chop a few months off! I have learned many lessons along the way and I feel very positive about my future I have an enormous amount of gratitude to John and Jennifer for all their support and I appreciate their non judgemental attitude and encouragement. Thank you so much for the difference you have made in my life!

I am so grateful to Bob Hauck and 4 Pillars Consulting. I heard about the service from a friend and decided to check it out. I’m so glad I did as my circumstances changed rapidly during the process and Bob was able to accommodate these issues quickly and efficiently. I was also on a tight timeline as I was relocating and Bob and his team made sure ever “I” was dotted and every “T” crossed to ensure my proposal and credit counselling could be completed remotely. Without the help of Bob and his team, I’m not sure how I would have been able to handle these issues and I’m greatly looking forward to being a client for life and learning how to manage my finances properly with the credit counselling I will be receiving. I fondly refer to him as my financial guardian angel!! I can’t thank you enough for your help Bob and 4 Pillars for helping people understand there are ways to cope with and manage the financial hardships life sometimes throws at us and that we can come back out on top.

Your caring ways make you the right person for your position as a turnaround consultant. Thank you for making my dream come true with your help after 5months. I never thought it would happen, but I purchased my 2008 Honda VTX 1300. All without a co-signer. A million Thanks! Sylvia.

We were shocked how simple it was to dramatically reduce our debt. I don't know where we would be without 4 Pillars.

Try them, you won't be disappointed

During the summer of 2013, I contacted Jennifer Croft at 4 Pillars to discuss my financial situation. I was convinced my situation was bleak. I was seriously considering A: declaring bankruptcy, or B: leaving Canada for at least the next ten years. Jennifer assured me that where ever there is a problem, there is always a solution. She assured me that her husband John and her could, given some time, find a solution to my financial issues. She was telling the truth. She was not lying. She was able to put together a financial plan that was rational, practical, and above all else, realistic and attainable. That they delivered on that promise. They made a plan for me, and executed it. They really help me get my financial life back in order and I am living like a normal person again. Jennifer and John at 4 Pillars Calgary: Honesty, clarity, respectable at all times. I suggest them often. Use them if you must. You won't be disappointed!

We were $62,000 in debt, down one income and in financial trouble. 4 Pillars helped us with our creditors and they were able to get our debt down to $19,500. Our payments are manageable and 4 Pillars assisted us even after we settled. They were always professional and offered great advice! I would recommend 4 Pillars to anyone who finds themselves in financial difficulty.

Myles Thank you so much for your accurate and speedy work for us. We wish you and your family the best for your future. Linda & Dave.

4 Pillars explained all our options in an easy to understand way. Thanks to their expertise and knowledge, restructuring our debt was easy.

This is a great big thank you to Bob and his staff at 4 Pillars. He took what seemed to me an overwhelming task and made it straightforward and easy to comprehend. Bob had an extreme amount of patience and answered any enquiry I had and although it took awhile for me to come to terms with dealing with my debt, I finally took the plunge and my stress and anxiety lifted immediately. All I can say is a super Big Thank You for helping me with what seemed like a daunting and difficult task. I would highly recommend Bob and 4 Pillars to anyone who is facing the same situation.

Adrian, I’m not certain if it ever occurs to you that on some days you are actually an “instrument in the hands of God”! Well, I am here to give you confirmation of it! I also know in the great scheme of things that when you bless one of His children, it will only come back on you in a double portion of blessing…..this makes me happy, because in myself I cannot repay you for what you have done for me. I can only give you a heart-felt Thank you!

We would like to extend our appreciation for your unwavering ability and professionalism at this trying time for us. I would highly recommend 4 Pillars to anyone.

Facing huge personal losses

My name is Patricia and I was a client of 4 Pillars Calgary in 2012. I was referred by my accountant Rob as he saw all my expense and the struggle I was going through to keep my head above water. I was very nervous going as I never been in this situation of financial debt. With all I have been through in my life from divorce and losing my business, and family passing,I thought life couldn't get better. Then I meet John and his beautiful wife Jen and not only did they make me feel better that life goes on and will get better they treated me like I was family. I have been discharged as of may of 2013 and slowly but surely I m on my way to the top. I'm so grateful for them and what they did for me, and tell anyone I know, and those who are afraid like me there is help for financial debt, with John and Jen your not alone there with you every step of the way. Thank you so much!

Words cannot begin to express how much I appreciate the professional counselling I received from you! Your caring and considerate manner in helping me with my financial difficulty, has been a real blessing to me. Thanks for all you have done to help.

We were having some financial problems didn't know what to do or who to talk to. So my wife was friends with someone that knew Robert and said we should talk to him that he could help us. So we went to him. He has helped us get our financial situation on track. He has helped us also with proper budgeting which has helped us a lot.

Highly Recommended!

When I first thought about trying to get rid of my debt, the thought was overwhelming and embarrassing. I felt so lost & confused about where to even start that I usually just said forget it. When I came across 4 Pillars I was intrigued. When I met with Jennifer and she talked me through the process that was best for me I felt like there was hope. Before I even made my final decision to proceed there was a weight lifted off my shoulders. Now that my debt is gone, and my credit has hope for improvement. I am so happy that I decided to work with 4 Pillars & Jennifer. They made the process easy, and more importantly they took the embarrassment away! I HIGHLY recommend them! And I encourage anyone on the fence about using their services to jump off and just do it, you'll be so glad you did!

Thank you for helping us when we thought we had no one to turn to. You have showed us we are not alone. Thank you. Ken & Kim

I did not have a lot of debt, but what I did have had to be dealt with before I could move on in a new career that I had chosen. Thanks to 4 Pillars for guiding me in the right direction and helping me find a solution.