Hear what hundreds of clients had to say

Glenda was very willing to be there and to answer any questions and help us every step of the way! She was quick to reply to emails, and was very friendly and understanding.

I met with Peter 5 years ago for a simple coffee for him to explain to me how he helps. He was very thorough about what steps needed to be taken, what info i needed to submit etc. I have to admit it was a scary situation i was in. Plus doing it was really scary too. But it was Honestly THE BEST decision we made. It was alot easier then I thought but now 4 years later we are debit free, paid it off one year ahead of time with the money we saved from not paying all the different creditors.AMAZING

Peter Temple and 4 Pillars acted on our behalf as we confronted a large debt from multiple lenders, consisting of unsecured LOC's and CC debt. It was further complicated by our ownership of multiple rental properties, some with active partners. 4 Pillars worked closely with us every step of the way. Not only did they answer every question we posed to them, and there were some complicated issues, they clearly laid out the potential scenarios and helped us to choose the most appropriate path forward. As we were fully informed, we felt satisfied that we were in control of the process, and when we were finally introduced to an appropriate Trustee, we could not have been better prepared.

I highly recommend Blair

Debt reduced from $45,300 to $9,000
$150/month for 60 months at 0% interest

Working with Blair has been a pleasure from the first meeting. He made a very stressful situation I was in comfortable for me to talk about. I highly recommend Blair, he is just amazing at what he does.

4Pillars Saskatoon was excellent and professional handling my situation. They gave me the assurance and knowledge of every questions in all aspects that I asked.. I will surely 4pillars to all friends that needing help. Thanks for the excellent service and for providing us with debt relief.

I let my finances escape me and found myself in a big financial hole. Not knowing what to do i researched debt reconciliation and found 4 Pillars. I was impressed with how much of my debt Peter was able to negotiate down to a manageable lump sum. Moving past my debt was one of the most draining events of my life. But now that i have moved past it things are better than ever. If you ever find yourself in my situation please contact Peter at 4 Pillars. It could be one of the smarter decisions you can make.

Peter is very professional, knowledgeable and personable, and is very easy to deal with. I highly recommend Peter!

4 Pillars rescued me from a crippling debt load

Debt reduced from $70,000 to $24,600
$410/month for 60 months at 0% interest

4 Pillars rescued me from a crippling debt load in my senior years. Blair Greenwood was unfailingly supportive and educated me about the process involved in submitting a consumer proposal and taking control of my finances. I would recommend working with Blair to anyone who needs to find a workable solution to financial difficulties. Consulting with Blair and working through the process can be emotional and requires effort but achieving peace of mind is worth it.

I really liked 4 Pillars Saskatoon staff. They made it very easy to understand everything and was really nice and didn't make us feel less because we are having financial problems

Peter at 4 Pillars helped me settle all my debts really quickly AND cheaply So happy I used this service! 4 Pillars really helped me to address my debts and turn my life around! So happy I met them and would urge you to do so as well if you are struggling with debt

Benjy I would like to thank you for helping me through my very difficult financial situation last year. After my wife's death and a short term job loss I was left completely overloaded in debt and no idea of how to deal with it. I did not want to consider bankruptcy, but there was more money going out every month on debt payments than I was earning in income. Your assistance and advise was greatly appreciated as this was a very difficult time in my life and I am more than relieved now that my debts are dealt with. It fees like I have a completely fresh start and can begin to rebuild my life again. I would highly recommend you to other people that are going through similar financial problems. All your help and assistance was greatly appreciated. Thank you!

Significant positive impact on my life

Debt reduced from $50,000 to $19,200
$320/month for 60 months at 0% interest

Blair and 4Pillars have made a significant positive impact on my life. Clear, calm, concise and patient would be appropriate buzzwords to describe Mr. Greenwood. No longer am I being crushed by my debt. Thanks to Blair, I get a fresh start.

Thank you so much Jennifer for your support when we were hopeless and lost. May our good Lord continue to bless you and your family so you will keep on blessing other people the way you always do!

I would highly recommend working with this company if you have debts to pay off. 4 Pillars delivers what it promises and I am so happy I found them

I Just wanted to thank you so much for everything. From the time I walked in the door you treated me with respect and let me know that you were in my corner and working for me. The best thing I ever did was walk into your office. My financial life is now back on track and I owe it all to you. Cheers

Very professional and helpful

Debt reduced from $47,000 to $15,000
$250/month for 60 months at 0% interest

My experience was amazing ,Blair made my financial situation less stressful and made me feel like a real person and that I wasn't alone. Very professional and helpful , Blair changed my life, thank you.

Dear Glenda, There are no words that could ever express our gratitude! Thanks so much for coming alongside us and giving us hope for a brighter financial future. You support and encouragement has been a blessing beyond measure; you are a wonderful person to work with. May God bless you!

not only did 4 Pillars help me pay off my debts they also advised me how to rebuild my credit and budget. Really friendy service and caring people

Benjy, I would like to take a moment to thank you for helping with my financial situation, your expertise and attention to detail was a great relief to me and my family. Financial problems can generate a great deal of stress on people and your service was extremely helpful is helping me understand my rights and was able to show me a light at the end of the tunnel. I would highly recommend your service without hesitation. Thanks again Benjy..

Our experience was life changing

Debt reduced from $36,000 to $7,500
$125/month for 60 months at 0% interest – Emily

Debt reduced from $59,000 to $16,200
$270/month for 60 months at 0% interest - Clayton

Our experience with Blair at 4 Pillars was completely life changing. The stress we had in our family before with financial debt was so high and due to contacting him it is now gone. Because of his support, understanding and knowledge we were able to reduce our debt to a very manageable payment. Many thanks Blair for being non judgmental and working so hard with us through a very tough time in our lives. I would highly recommend Blair, contacting him was the best thing we have done!

Glenda is very nice and understanding.

We are a family of 5 that where really struggling with our finances for some time, did not see any possibilities of fixing this, creditors calls where getting worst, and overall everything was going downhill. With all the scams out there is hard to tell who is legit when it comes to helping you with this problems. A friend from Nanaimo recommend us Sue from 4pillars, she listened and gave us a plan for us, she was very professional and kind and made it easy for us to know what to do. Now we are finally on a stable pace back to a clean start. We highly recommend her. Thank you Sue for all your help.

Peter is great guy! He's patient, understanding, thorough, and pleasant to work with!

I was pleasantly surprised

Debt reduced from $89,000 to $21,000
$350/month for 60 months at 0% interest

I was very pleasantly surprised how smoothly Blair was able to orchestrate dealing with the financial disaster that I was encompassed in.

Nice and good counsellors .. Explain every details especially the budget issues.. And helping how to manage your credit history and secure it .

I cannot begin to express how wonderful Sue Grubac of 4 Pillars has been in walking me through the process of putting my life back on track financially. The situation in which I found myself was stressful and overwhelming but Sue was patient, courteous, respectful and compassionate and, thanks to her diligence, I am on my way to a brighter future. I sincerely recommend 4 Pillars for a 'Fresh Start'

I would recommend 4 Pillars to anyone who needs help getting their finances in order. Peter Temple at 4 Pillars has been so helpful. He took time to explain what they are all about. He was able to answer all my questions, and if I needed help with the paper work, he was only a phone call away. Anytime I need to speak with him, he promptly returns my call. Either that day or the next. I highly recommend them to anyone who is having financial difficulties.

I can rest easy now

Debt reduced from $85,000 to $16,800
$280/month for 60 months at 0% interest

Thanks to Blair, I can rest easy knowing that I can pay my bills in cash. I am looking forward to the future.

I really appreciate all the effort 4 Pillars in Saskatoon did for us to make this through. We know that 4 Pillars would make every effort to make this a positive experience. Again thanks so much for a great help in our family!!! Being debt free is really something!!!

After many years in business I realized I was slowly sucking up equity to pay bills and then the debt started to incur. I thought my business was recession proof but it became too late to turn things around with the debt I had incurred. The bigger problem, was that the debt was in my name and as I couldn't afford to pay myself wages it really started to snowball to the point where I was in trouble. I met Sue from 4pillars and she helped me in a big way. First, she needed a clear picture of all my debts and income, property, vehicles etc. Then she was able to help me develop a plan that would negotiate a better deal with the unsecured debt. Sue was very thorough and understood where I was coming from and where I needed to be financially. She took control of the process and I just fed her the information she requested. In the end I saved ten's of thousands of dollars and the phone calls and letters stopped. I was worried my name would be smeared and I would be a cast out, but it was all private and there was none of that. Sue was professional and excellent in all areas and I am so glad I met her. The best thing about the whole experience with Sue was that she truly cares about her clients and wants to help. I am now debt free for all unsecured debt and it feels fantastic. I pay cash for things now, I have money in the bank and all my commitments are met on time. It opened doors in my life I didn't know existed and I couldn't be happier! Thanks Sue!

Peter and Margaret answered all my questions and concerns, they helped me with how to reduce my debt. I have better peace of mind.

Key step in resolving a decades long debt issue

Debt reduced from $110,000 to $31,750
Paid $10,000 lump sum and $362.50 for 60 months at 0% interest

Working with Blair was the key step in resolving a decades-long debt issue. It is impossible to underscore how important working with him has been in moving a debt issue to a place that is finally manageable. Blair is patient, understanding and knowledgeable. I'd work with him again in a heartbeat. I've already referred friends to him. Call him.

For most part of the year, my partner and I have been struggling financially trying to keep ahead of our bills. It always seemed like one thing after another that would get in the way or pop up and then we would get behind. Between losing his job and me going for surgery, the bills started to pile up. I thought if I worked a second job that it would get better. It didn’t. I was so stressed, tired and my health was taking a turn for the worse from worrying. We were at our wits end and the creditors were calling on a monthly basis, eventually on a weekly basis. It was to the point where I was ignoring their calls just so I didn’t have to deal with it. I got more stressed as time went on. Our relationship was starting to strain and we were always arguing about one thing or another. We even started avoiding our family members because we didn’t want them to see us in financial trouble. With two of our children about to graduate from high school and enter University, we knew we had to do something. I was too embarrassed to talk to anyone. I felt as though this was our fault and it is our problem, we need to fix it. We tried and tried for months to get caught up, but the interest on the cards were more than the payments we were making. We couldn’t even make a dent. From time to time I would see the advertisement for “4 Pillars” on Facebook. I just ignored it and thought that it was too good to be true, there had to be a catch. I was nervous about talking to someone and I was more worried about getting my hopes up, just to be rejected. My partner and I decided that we had nothing left to loose and we had to do something or we would lose everything. We had to take a chance. I googled 4 Pillars and read up on their site. I read testimonials and figured they had to be paid actors. I read some more about their company and decided to make the call to see what they could do that I couldn’t do myself. I got a call back the exact next day from Glenda. We made an appointment and were reluctant and standoffish. I still thought it was too good to be true. Glenda was amazing. She listened to our story and never judged us. She was considerate and very approachable. By the end of the first meeting with her, I felt comfortable with her and talking about our situation. She gave us options. It wasn’t just one way. We had choices and she allowed us to take the time to go over each option and decide on our own, which would suite us best. After that first meeting, my anxiety and stress level came down about 80%. Even my partner noticed that I was more relaxed and not as worried. During the second meeting, I was feeling a lot more confident that this was the way to go. We needed to get our life back on track and we needed help. Glenda walked through all the steps with us slowly so that we were not overwhelmed in any way. The kit she gave us was easy to follow and check list was helpful so that we didn’t forget anything. I had many questions and concerns about creditors before this second meeting and Glenda was there every day allowing me to ask the simplest of questions. I could really count on her. Glenda assured me that after the signing of the contract, that I would not have to deal with any creditors what so ever. 4 Pillars was going to take care of everything. They made it manageable for us. They made it so we could stop worrying and start living again. We were able to relax and enjoy each other’s company and enjoy our family. 4 Pillars in Saskatoon are amazing and I feel that they treated us like family, and went through hoops for us. They pulled out all the stops to make us feel comfortable and relaxed. They are my rock and I couldn’t be more pleased with what they have done to help me and my family get back on track. Sincerely Trudy

I've been coming to 4Pillars for a few months and the restructuring of my debt has left me feeling free and motivated to lead a more successful life. Before coming in I was overwhelmed and felt isolated. Being taught the tools to be aware of where my money is going is an amazing feeling!

This service has helped me when I needed it most, highly recommend to anyone and everyone.

I am in control of my finances and my life again

Debt reduced from $92,500 to $33,000
$550/month for 60 months at 0% interest

A huge thank you to Blair. I believed my situation was unmanageable. Yet, here I am, in control of my finances and my life again. I had no idea that any of this was even possible. If you feel helpless, hopeless about your crushing debt, I encourage you to give Blair a call. Professional, courteous, knowledgeable, and non-judgemental, he was there to answer my questions every step of the way.

Thank you for truly changing our lives with your help, expertise, kindness and generosity your knowledge but most of all your understanding and humanity allowed us to manage our debt and stop stressing. Our family is forever grateful!

I had very little knowledge about my options prior to my appointment at 4Pillars and Sue took the time and extra effort to help me. She explained in detail to make sure I was on track for the future. I am so very thankful.

I am really happy with the way my debt was handled by filing a consumer proposal. It is much more manageable now. 4 Pillars really helped me out.

Blair has your best interests at heart, not the creditors

Debt reduced from $204,000 to $33,000
$550/month for 60 months at 0% interest

Blair makes you feel like a person. He takes a crappy situation, treats you with respect, listens to your circumstances, and makes a proposal on your behalf that will work for you. Blair understands the creditor process, and always has your best interests at heart, not the creditors. I highly recommend Blair for his services, his professionalism and most of all for making me feel like a whole person again.

Stress is always bad, but financial stress is the worst. It takes peace away from life, but John and Jennifer showed me the way to recover it! They answered every single questions with patience and discussed every topic in details which helped me to take the decision easily. Together, they represented my best interest instead of my creditors and reduced my debt of $38,513.00 down to $5600 with 0% interest. Thanks a lot both of you John and Jennifer! -Mohammed

I got myself into debt I could not get out of by myself. Sue at 4Pillars has helped me in so many ways. I cannot thank her enough. I'm excited to know how not to fall it to debt again and to be able to start over.

We are so happy that we got help with our debts, that before we are so stress on how to solve it. With the help of our friend and 4 Pillars was introduced to us for better solution to our debts. We are satisfied with the outcome of our proposal and hopefully in 5 years everything will be ok.

Thanks and God bless

Debt reduced from $18,000 to $6,000
$100/month for 60 months at 0% interest

I had a great experience with 4 Pillars.,you helped me a lot. Thanks and God bless!

My name is MJ. I wanted to let you know that I have worked with Jennifer Croft, and her husband John, at 4 Pillars Consulting. They were highly competent and professional when it came to helping me and my financial issues. When I relocated to Calgary from Montreal, my financial life was a total mess, a true disaster of biblical proportions. I was getting serious letters from lawyers in Edmonton and Toronto. I was even getting angry phone calls at 5 o clock in the morning. I really felt I had no other choice but to declare bankruptcy. I just wanted this nightmare to end. My stalled broken financial situation was totally stressful. My co workers told me that I had not smiled in ages. Jennifer sat down with me and quickly reassured me that all was not lost. I could, with some serious planning, end my financial nightmare. Jennifer did not beat around the bush. She explained in a calm, rational manner, what my choices where. We came upon a long term plan that suited my needs and my current financial resources. All legal issues were handled. In a few short months, the sun began to shine once again. Now, my stress level is down, there is a spring in my step, and my coworkers have noticed the old MJ again. My only regret is not following this path sooner. Jennifer and her husband are professionals who are able to explain to you that you are not at the mercy of the banks. That you have legal recourse. If you have money or debt issues, you can put your trust in these two. Trust me on this one. There are a BS free team.

Sue has been great she has explained and has given very clear suggestions and direction. I have come so far with the help and support from Sue at 4Pillars. Thank you!

Before I met with 4 Pillars (Peter Temple), I am overwhelmed with call from creditor. As of today, I am having good life, sleep and no stress on thinking about my credits. Thank you to 4 Pillars for giving m this stress free life.

Our lives are changed for the better

Debt reduced from $52,000 to $18,000
$300/month for 60 months at 0% interest

Blair was absolutely wonderful, very professional. We are in a very good financial spot because of him...we can't thank him enough. Blair was very easy going and worked around our schedule, (kids, work) which most wouldn't do. I was very very stressed out about money and bills and Blair was so good with me...made me feel that everything would be ok.....Thank you again Blair, you changed our lives for the better :)

Dear John, It was like a glimmer of light when I saw your ad on Facebook regarding the ability to get out of debt. The past few years have been trying on my financial situation. Yes, I was the decider in all these decisions and I certainly made poor choices in this. But I am trying my best to get out of a bad situation. Previously I had 2 jobs to help with the financial situations, resulting in money being owed to the CRA, but because of an unexpected diagnosis of Multiple Sclerosis I had to focus more on my health. This resulted in me not changing my financial spending habits but instead leaning on my credit cards. Now I am struggling facing the fact I am in over my head. I know I am liable for the bills I have racked up, but I am struggling to pay them. I make my payments but have little money left to live on. I asked for your help to let me see the full light of financial independence. Thank you for this consideration, as I have lived with the financial stress long enough and I need to start making positive choices for my future. I look forward to continue working with you all in hopes of getting a better understanding of financial planning, budgeting and living stress free. M. Henry

We came in with no expectations since our situation seem so dismal, there seemed like there was no end in sight. Then Sue, so exceptionally friendly, made the whole process look and seem so attainable which it was giving us hope for a better future. Even now, months later, everything feels and looks better and will continue so with the new skills we will take with us.