Hear what hundreds of clients had to say

Geordie made this process as painless as possible. Made me feel confident that things would work out. Did not critize me for my debt situation. My health has improved dramatically.

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.

Things are slowly getting better. You helped us over the worst of things. Can’t thank you enough for listening & being so supportive Cheryl

I would like to thank you very much for helping me in this matter. It helps me a lot to survive... And to have a new hopes in life...

A dream come true! A enormous help, easy, very friendly and didn't make us feel like we were failers for getting into debt. There was light at the end of the tunnel for us! Thank you Geordie.

My life before was like a roller coaster. I used my credit cards every time I went out then pay them back. I had a good job, in fact I had two jobs before. Banks were offering me an increase to limits and I was always tempted until one day there was nowhere to run. I thank God I found 4 Pillars. At first it was hard for me to admit that I can't pay my debts anymore. I was terrified thinking I would have to go bankrupt. I was scared every time the phone range though I knew that it was also my responsibility to pay my debts. I'm a single Mom an I've been through a lot of circumstances, bad choices, and wrong priorities in life. My Mom had a stroke in the Philippines and I needed to help her, my children need me, and I got hospitalized for 3.5 months it was a stressful time. Then I sat down to think and realized that I really needed help. It's a good thing 4 Pillars never stopped offering their help. My first meeting with Pradeep I felt so ashamed at myself and had to tell him at the same time but I never seen in his eyes any condemnation. Everything he said was positive and a solution to my big problem. After everything was done, I got peace of mind. I don't want to take away that peace of mind I have right now. I have lessened my load! So I have to be smart how to spend my money and work not to spend more than what I earn. I am more cautious on what I buy by double and triple asking myself "Do I really need this? or "Does my son really need this?" My life after 4 Pillars? I'm working for a brighter future and I have to change my priorities for my kids and for myself.

Bob, you have been so patient and understanding. I cannot thank you enough. This year, in spite of all your help, has been difficult. If not for your help, it would have been impossible. In March, I lost my higher paying job in the oil patch. I was unemployed for a month and under-employed for another two months at $16 an hour. I stuck with it though, and now I am working at a better job and making decent money. My wife and I are excited for our future. It has been a tough year and a very lean Christmas, but I think we are making all the right moves. Thank you so much Bob. You have been a saviour for my family and for me. You have been terrific through and through.

To Adrian There are no words to say how much I appreciate for what you have done for me and Clarence Thank you a bunch. With all my love Wendy.

I felt very comfortable and relaxed under a strenous situation. 4 Pillars was very informative on my options and made me feel trusted in a down time in my life.

I had gone to an trustee for a credit session and I left feeling deflated and lost. I waited 9 months trying to find another way out of this mess. I came across an ad by 4Pillars and Pradeep, had our meeting and left instant relief and hope. The process was so much less stressful. Pradeep worked for me, with me and not for the creditors. My Plan went thru and at an payment that is manageable and less than half of what the trustee wanted. Now no more headaches and I can move ahead. I would strongly recommend any person who is in debt and looking for an solution, to start working immediately with him and I am sure you will also feel the way I am feeling right now. I can't thank Pradeep enough.

We praise and thanks God Since we had these bad debts our life become so hard, we worked so hard to pay our debts but nothing is happenning. It seems like we burried to this financial problem. Till we meet you guys. We are so thankful to God that he give you guys to us an instrument to get out of our financial problem you guys are trully blessingto us, you are amazing to talk to and did'nt make us feel bad for our situation you always treated us in a caring professional manner not criticism. soon we are able to enjoy life again, We always be grateful and highly recommend your office to our family, friends and anyone who is having financial difficulty We appreciate what you've done to us. Thanks for giving us a fresh start. Thank you! Thank you! very much 4 Pillars GOD BLESS!!! J & N

People like you, who naturally go above and beyond, make this world a better place for all of us. Thank you so much. Terry.

I have referred several clients to 4 Pillars Consulting with amazing results! Each of my clients has been uniquely provided with solutions to their debt issues.

We had incurred debt due to some poor choices and some due to circumstances. Frankly we did not know how to pay it. But because of 4 Pillars and Pradeep, our debt was reduced from $70,000 to $18,000. Our monthly payment is now down to $300. We had sacrificed a lot, to pay off our debts due to high interest and to catch up paying just the minimum every month. Bill was working two jobs for us to keep up with the payment required. We never had any savings and our kids did not got the stuff other kids get for themselves. We are now excited to be debt free sooner! I would strongly advice not to listen to the people who scare you about damage to credit. I now understand what Pradeep meant, when he said "Credit damage due to our option is temporary but financial damage because of servicing debts is permanent". Those creditors or companies want you to continue paying the minimum payments. Because I had talked to an couple of other companies and individuals, I was overwhelmed with the information I had got. This forced me not to take any action. Now I understand that some of the information I had got from my search earlier was not at all correct. I only wish that I had come into contact with Pradeep earlier so that I could have taken action sooner. I can definitely say that Pradeep is passionate about his work. The help we got from him was beyond our expectations. We both truly respect you too much because you believed in us when no other person was not ready to help us. If I am able to help you in anyway please let me know!!

Everyone at 4 Pillars is friendly, accommodating, understanding and supportive-great team! They earned my trust right away!

David and I have appreciated all the help you both have given us and made life a little more easier for us. Thanks Isabel & David.

I have personally witnessed Ryan Brown and the team at 4 Pillars turn lives around with their services! If you or anyone you know is about to reach out for debt services, make sure 4 Pillars is called first!

Before I met Pradeep, I had an approximate $50,000 worth of debt. These debts were because of some other things going on in my life. I am an single mom trying to raise kids on my own. These debts were there for some time which resulted in lots of stress, overwhelmness, a sense of helplessness sleepless nights, lack of concentration at work, , and fear of possible outcomes. All of these led me in to having health issues and I ended up on anti - depressants and other drugs. When I met Pradeep, first and foremost the best things was to know that he could help me. He presented me with all my options to pay back my debt. I was also made aware that as an part of the plan the debts would be cut to one - third of the amount I owed i.e $15,000 and make arrangements for affordable monthly payments. Throughout our consultation process, Pradeep was respectful, genuinely concerned, thorough, honest and I never felt he was trying to insult me or take advantage of my situation and feelings. While he expressed his opinion of my best option, he allowed me to make up my own decision. Neither was any pressure on me into making a quick decision. I have a handle over my finances and I now don't feel helpless at all. I feel that Pradeep is an magician at work as well an saviour, because my debt has been cut and I am making manageable monthly payments towards it. I never knew that this option was there. Some of the other companies were driving me away from this option as it did not benefit them. I am grateful for the opportunity of working with such a wonderful person. Pradeep realizes that most of the people who are in debt is because of an situation or circumstances in life and it does not reflect on who that individual is.. I find about him is the passion in him to help without getting excited or hard pressed sales speech I would recommend Pradeep to anyone struggling with debts and financial problems in a heart's beat. 2014 is going to be a great year for me and my kids!!

You are God's instruments to help my family

Your thoughtfulness was special and very timely too. How good it is to know people such as you. Elaine and Bob.

There are no words to describe what Ryan Brown did for me and my husband. We were so far in debt that we just kept paying all the minimum payments but not getting anywhere. The first phone call to Ryan was a big relief just to tell someone what was happening and then to hear that he could help us. Ryan was always so professional and non-judgemental. He was always just a phone call or email away and he walked me through every step. He represented our interests and negotiated a Consumer Proposal we never thought was possible. I would highly recommend Ryan to anyone. My only regret is that I did not call him sooner and save so much more money in interest payments. Thank you Ryan for giving us back our lives!

Feeling at the end of our rope - - with no where to turn...this feeling left completely talking with Darrell. He put us at ease immediately and was so kind and understanding. He goes beyond the business deal aspect and treated us with utmost respect and empathy for our situation. Darrell was very efficient and honest in his dealings with us. There was no wasting of time or delays, he is a professional all the way!! With a total debt of $67,500.00 that was reduced by $43,000.00 - leaving us owing $24,000.00 to pay back. Thanks for saving our lives Darrell!!!

Everything was beyond my expectations!

Dear Adrian I don’t know how to express my gratitude to you except thank you so very much. You are awesome. Best

Light at the end of a long dark tunnel

4 Pillars was the light at the end of a long dark tunnel - Zach provided the match! My concerns were dealt with speedily with no fuss. I highly recommend Zach & 4 Pillars. Thank you so much!

Darrell made Tom and I feel very much at ease the first time we met him. He was very understanding with our problem. I cannt say enough about his kindness towards Tom and I. I am yours.

Great service, very thorough and personalized. They do plenty of follow up and support as well they provide you with a number of tools to help you achieve and maintain your goal. Provided me with a variety of solutions, but ultimately recommended what would be best in the long run.These guys are the real thing. I would recommend them to my friends.

In response to: “Is there room for improvement or anything you would change?”

Honestly, there isn’t anything. We were provided with the best service! We never felt ashamed or embarrassed about our situation. Adrian always made us feel comfortable and he was so easy to talk to! He always explained everything simply so we weren’t confused or felt misled. Ed and Connie R.

With help from Zach my stress levels have been lifted and I'm able to start looking forward to the future instead of worrying about it.

I really appreciated the help I got at 4-pillars, they really provided me with the help I needed with my financial situation, and they kept me up to date with what was going on, and most of all they help me see how to handle my money in the future. Definately 5 stars goes out to them

I would like to thank Anna for being so nice and patient to me...and also your company for helping me out in my situation....thank you and have a nice day...

In response to: “Is there room for improvement or anything you would change?”

Related to my portfolio, I have nothing to add. I felt secure and in trusted hands with the 4Pillars. My debt was settled quickly and with negotiations that did not way in my favour but was comfortable with the outcome.

My financial situation was in crises. Zach provided me with realistic options and peace of mind. My future is a lot more promising now that the proposal is in place.

Anna is a very nice lady. She helped us understand what we needed to know. I would highly recommend her to our friends.

In response to: “Is there room for improvement or anything you would change?”

Nothing, it was great. With loss of a son, then our lives when down the toilet, we lost our smiles our sanity and almost our marriage. Adrian gave some of back to us. Now we’re smiling again. Jim and Isabel.

Speechless! Excellent Job!

Andrea is very friendly and accomodating when answering our concerns

In response to: “Is there room for improvement or anything you would change?”

I came to 4Pillars with too much debt to control and now I have one monthly payment and can start rebuilding credit and move on with life. I appreciate everything Adrian has done to get me out of debt, even when I gave him a hard time. Ali.

Very, very professional.

There are no words to describe what Darrell Pauls did for me and my husband. We were so far in debt that we just kept paying all the minimum payments but not getting anywhere. The first phone call to Darrell was a big relief just to tell someone what was happening and then to hear that he could help us. Darrell was always so professional and non-judgemental. He was always just a phone call or email away and he walked me through every step. He represented our interests and negotiated a Consumer Proposal we never thought was possible. I would highly recommend Darrell to anyone. My only regret is that I did not call him sooner and save so much more money in interest payments. Thank you Darrell for giving us back our lives!

All the counsellors we've met are absolutely knowledgeable..they dealt us nicely and professionally...they discussed to us with concern and care...thank you for all your support. All the staff are nice and helpful. Thank you so much for everything that you do. May you help more people like me.

In response to: “Is there room for improvement or anything you would change?”

Nothing. Your service was excellent. Without your help we would have lost everything; our home too. Ken and Kim.

Just want to thank you for your help with our financial struggles. You're kind and understanding, easy to listen to, and you gave to us the best option for our financial relief. We were pleased at how you handled everything very professionally and quickly, and have made us very happy customers. Thank You.

Hi Darrell, so if it wasn't for that one particular night back in December of 2013 around 2:00AM I wouldn't be writing you this today! I was sitting at work in our lunch room half asleep, with burning eyes, bored looking at what randomness was on facebook! This Ad from 4pillars Consulting Red Deer came up with your name and picture on there, and so I read it with total disbelief and curiosity! Long story short, here I am today writing you this testimony and basically saying how truly amazing you, your wife, and 4pillars Consulting are and have been! Darrell, you're a true Miracle. What you have done for my wife and I, and family, words can't explain how I feel inside! It literally brings a tear to my eye to actually see where we were, buried in massive amounts of debt. You and your amazing team have given us a second chance in our lives to start over financially! It's more than just financially that this has affected us, it's everything! You're a very important part of our lives now "Darrell and crew" and I just want to tell you how much respect and appreciation I have for you and all that you've done for us! For anyone else who reads this testimony please, please stop where you're at and call Darrell Pauls@ 4pillars Red Deer Consulting IMMEDIATELY! There is hope and this really is a legitimate company that truly works for YOU and not the creditors. Darrell and Carolyn Pauls and the entire 4pillars Red Deer Consulting staff. You All Are Amazing!!! Thank You All So Very Much!!

Our advisor Andrea is so nice, friendly and approachable. I like that I am treated as an individual. The setting is comfortable and eased my nerves. Thank you for your assistance. From, Jodie

In response to: “Is there room for improvement or anything you would change?”

Ask clients to inform family and friends to know what 4Pillars can do to help. Without your help in my case I am sure I would have lost my home. Thank for all you have done for me. Dan.

She made a distressing situation bareable

I am more than pleased to recommend the services of 'The 4 Pillars'. They made a distressing situation bearable. They also made me feel like we were not alone in our situation. Always approachable, always returned an email, or phone call promptly, when I was concerned or had questions. They was very professional, and compassionate.

Before we met Darrell at 4 pillars we were drowning in debt and literally not sleeping from financial worry and stress. We had gone to several different debt consolidation companies asking for help but the "solutions" that they were offering would have made us worse off than we already were. My husband found Darrell through an add on Facebook and told me what he could do for us. I honestly thought it sounded too good to be true, but after the first time we met with Darrell I felt there was hope again, light at the end of the tunnel. Darrell and his wife Carolyn helped us do a consumer proposal which significantly reduced our debt load. They gave us the tools we needed to manage our finances and had us rebuilding our credit right away. They were there for us every step of the way through the whole process. I have recommended Darrell and 4pillars consulting to everyone I know. They are wonderful people who literally gave my family and I a fresh start in life!

I feel good after talking to Shannon about everything going on now a days. I feel that my partner felt the same way too. Thanks for the support and help. I was assisted by Andrea in South Calgary. Very helpful from the start and gives you the right information you need to know. They treat their clients like family that they are there to help you.Thank you very much! Janelle was very helpful and I really felt she had my best interest in mind at all times! I plan to refer your services to my friend who is on the same boat as I am on her financial issues. I want to say THANK YOU to 4 pillars, Nicole, Tim, Janelle, Andrea who HELP me and gave their services, directed me on what to do. I have been living in hell with my financial issues when I got to know 4 pillars I utter the word HOPE. We are on our way of putting our life back together. Again more power and the almighty GOD bless you. elizabeth

In response to: “Is there room for improvement or anything you would change?”

I think that you are both doing a terrific job. I can’t think of anything that could be improved. Adrian and Miles were extremely helpful in reducing my debt. I was embarrassed about the debt I had incorporated and they both made me feel comfortable and not so weighed down. Anyone having debt problems should call 4Pillars. Nicole. Thank you ☺