Hear what hundreds of clients had to say

I was struggling to pay my debt because it kept on increasing even though I keep on paying it. 4 Pillars helped me decrease my debt and realistically pay for it in a few years.

It changed my life

Debt reduced from $108,000 to $33,000
$550/month for 60 months at 0% interest

My experience of debt restructuring with Blair was excellent. I felt embarrassed and hugely stressed about my financial situation but Blair was so supportive and he was determined to help me. He did an excellent job and it changed my life. I am still amazed that he managed to reduce my debt load from $108,000 to $35,000.

From the very first phone call, I could tell immediately that John and Jennifer of 4 Pillars Consulting Group (Calgary location) 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. 4 Pillars Calgary 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 cilents, 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 4 Pillars Consulting Group (Calgary Location)

We came to 4pillars with over $130k debt to CRA. 4Pillars helped us gain control of our spending and debt Sue gave us tools for budgeting, saving, rebuilding credit and helped us build skills to save and secure for our financial future.

Bob, I want to express my sincere gratitude for your competence and effort in helping me with my financial distress. Your calm manner and clear education of this process put me at ease straight away. (My family is grateful for you too!) I will highly recommend you to anyone I may encounter with a similar dilemma. Thanks so much for all you've done, again and again, your help has been life changing for me.

Blair was very creative in consolidating

Debt reduced from $137,000 to $39,000
$650/month for 60 months at 0% interest

The circumstances were much more complicated than most consisting of corporate and personal elements. Blair was very creative in consolidating both elements and the result was very positive. Blair's restructuring strategy has enabled me to turn my financial picture around. Blair is completely professional in every regard. He responded to my emails and phone calls promptly and his answers were clear and accurate. I have nothing but positive comments and would recommend anyone who finds themselves in what seems like an impossible debt situation to contact Blair.

For the past year, my husband and I have tried to consolidate our debts. Out of luck the bank couldn’t approve us. I was told by a friend to try a broker but we got the same response from the bank “DECLINED”. But the broker advised us three things; first is to find a credit counselor, secondly is to file bankruptcy and lastly sell the house. This is not what I wanted to do! I did a search looking for options: I found 3 credit counselors I but wasn’t really convinced about what they said about their program being the best option for me.My husband was so choked and was really depressed for the past few months and told me that he was drowning and couldn’t handle our debts situation. I didn’t know what else to do but keep researching and not lose hope that there is still a chance for us to save our home, our marriage, our family and our reputation. Then I found Jennifer’s advertisement and responded by filling out a form. I received a phone call from Jennifer and she was so sincere and willing to provide help to us. She did not stop to encourage me throughout this process. My husband and I listened to her advice about my options, we trusted Jennifer to handle our debt problems. We also met her husband and he also explained to us the process. We had no hesitation when we decided to hire them to represent us and our best interest. We couldn’t believe how this is a big relief for us and even our relationship was saved by Jennifer’s help! We had an enormous debt that would take a long time to pay back. But because of 4 Pillars, my debt was reduced from $35,400 to $8400. My monthly payment is now down to $150. My husband’s debt was originally $24,600 and it is now down to $7840. His new monthly payment is now $140.00. We knew that if we didn’t get the help we got from Jennifer, we would have to sacrifice for a lot of years to pay off our debts due to high interest and have to work two jobs to catch up paying just the minimum every month. I am excited to be debt free sooner! With Jennifer’s help with budgeting, we now maintain our monthly expenses and income according to our needs. She is also helping us with credit rebuilding so we can repair the damage we had created from our debt. John and Jennifer are a couple who is really down to earth people; their intention is to help people like us to get out of debts. The help we got from them was so beyond from what we were expecting and truly trustworthy, professional company. We respect them so much. THANK YOU JENNIFER, you have made us believe that we still have a chance to create another GOOD LIFE!!! THANK YOU IS NOT ENOUGH BUT WE OWE YOU ONE! Sincerely, Misty R.

4 Pillars help us so much to be out from debt. At last we can sleep and feel comfortable and not worry too much on how to pay our debts.

4 Pillars is amazing, not only have they helped me solve my debt problems but they have also given me the tools and support to improve my financial situation for the future. They are knowledgeable, kind and supportive and I urge anyone who has too much debt to give them a call. You'll be glad you did. Thanks 4 Pillars!

I felt really good and upbeat

Debt reduced from $109,000 to $9,000
$9,000 lump sum paid

Blair is AMAZING! I still can't believe what he has done for me. For years I struggled, my business was slowly going down. I felt trapped because of the huge debt that I accumulated. I thought that there is no way around it and that we will lose everything we own including our home. A good friend of mine told me to go and see Blair from 4Pillars. I was very skeptic at first, but after the first ten minutes of talking to Blair right away I felt really good and upbeat. There is a way out of the mess after all. He came in aggressively and reduced my debt from $123,000 to $9,000! Wow!

Dear Jennifer, Before I found you on the internet and met you, I was drowning in my sea of debt not seeing a way out, It is very stressful and can cause all sorts of problems. I asked God for help. It took me 1-2 weeks before I call Jennifer of 4Pillars. Now, I would like to personally say a BIG THANK YOU for all the help you have provided me in negotiating and settling my outstanding debts! It's a breath of fresh air to be able to answer my phone again and if it weren'tfor you, I would be still be sitting here ignoring the phone. The debts just got too much for me to even figure out a way to make everyone happy, so unfortunately I did the wrong thing and ignored everyone in hopes they'd just go away. As we all know that is so far from the truth! I will never hesitate to recommend you to anyone! So thank you again to you! I truly appreciate all the help you have provided. All the best to you all of you in 2013 and I cannot thank you enough!

Before I saw the 4 Pillars advert on Facebook I was considering settling my debt. Since meeting Sue i have felt very awesome about my choice to go forward using 4 Pillars to help me understand my choices and put together a debt restructuring.

Bob went above and beyond what I expected to help make a difficult time in my life as good an experience as possible with authentic, caring, personal attention and he had my financial best interests as a priority at all times.

I highly recommend my and family friends to see John and Jennifer for their service. I am so comfortable with their service. John listened to my situation I told him I didn't have much money but I had high debts yet he helped me anyway. I am glad I am able to pay back my debt now and he made my life easier for me. JOHN NOT ONLY REDUCED MY DEBT, HE REDUCED MY BLOOD PRESSURE! It was high and now it's normal!! Now I don't have to go on a diet anymore lol! -----Samuel O.

I was so in debt and confused about money. I had no idea how to handle my debt and my lowered income. I came to Sue a total mess and she explained options and answered all my questions and gave me such a better understanding of money!!

I heartily recommend the services of Bob Hauck and 4 Pillars Kamloops. From the beginning, Bob impressed me with his ability to be at the same time realistic, clear-sighted, and reassuring. The awful stress of dealing with finances that had gone out of control began to dissipate immediately, and Bob worked hard to find the best possible way out of the crisis that I was in. It would be no exaggeration to say that calling 4 Pillars Kamloops and meeting with Bob changed my day-to-day life for the better. Thank you!

This program really took some pressure off

Debt reduced from $37,000 to $19,800
$330/month for 60 months at 0% interest

This program really took some pressure off and has given me confidence in the ability to rebuild my financial future. Thank you Blair Greenwood.

Sleeplessness and depression had been my constant companion until I found the way to be freed from my debts. The expert advise and respect that John and Jennifer at 4 Pillars gave me brought back my dignity and helped pulled my life together again. I will always treasure this lesson in my life. Thank you 4 PILLARS CALGARY!

Hi Sue There are not enough words to describe how grateful I am for the guidance you have shown me through my difficult financial times. I realized that I did not have the ability to fix my debt and when I reached out to you for help you were able to give me guidance and discipline. I must admit, that I felt in a way that I might be scolded, yet you were the complete opposite of that and made me feel positive throughout the entire process. There is no doubt that you are brilliant at your job, but most important you care about your clients. For this I am forever in your “debt” :) Thank you and God Bless

A great big thank you to Bob and 4 Pillars Consulting Group! Bob took what seemed to be an overwhelming task and made it straightforward and easy to comprehend. Bob had an extreme amount of patience and answered any enquiry I had. Although it took me a while to come to terms with filing a proposal, 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!! I would highly recommend Bob and 4 Pillars to anyone who is weighed down by debt.

We felt heard and respected

Debt reduced from $16,500 to $4,200 and $40,000 to $4,800
$80/month for 60 months at 0% interest

A friend referred my husband and I to Blair Greenwood for financial crisis support and direction to resolve this crisis. From our first handshake we both felt we are in good hands. Blair is an outstanding professional, very knowledgeable and trustworthy. We felt heard and respected. Blair exudes confidence. His assertive presentation style was very comfortable.

To whom it may concern we found Sue Grubac to be very professional and efficient in our recent dealings with her. We would recommend her to anyone that is having financial problems in today's economy. We only wish that we had heard about her and 4Pillars sooner as a great weight has been lifted off our shoulders. We are starting to live again.

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!

Now we have our life back

Debt reduced from $27,000 to $7,200
$120/month for 60 months at 0% interest

Our experience with Blair was great. My husband was off work for more than half the year last year and our bills got so we couldn't handle them any more. We went to see Blair and he helped us see how we could get our life back on track and our finances back in control. My husband was very nervous about the whole process and Blair made him feel at ease at all times. Just an amazing process in all and now we have our life back. Thanks Blair.

Just when I thought I would drown forever in my black hole of financial dude, sue from 4Pillars empathetically sat down with me, heard my situation and quickly went to work on a plan. With complete professionalism and confidence she removed all fears and embarrassments and guided me down the path to my financial rebuilding. This helped my self-esteem and gave me renewed hope. For the first time in years I feel like there's a light at the end of my tunnel and I can once I can attain my goals and dreams. I give Sue Grubac my highest recommendation. Her soft manner will immediately have you feeling comfortable she is in between yourself and the bankruptcy officials and will act 100% on your behalf to find the best solution for you.

I can breathe again

Debt reduced from $46,000 to $14,400
$240/month for 60 months at 0% interest

My experience with Blair for debt counselling and relief changed my financial situation beyond my highest hopes. Blair was very empathetic and non-judgemental; I felt at ease immediately. He never pressured me to make a decision before I felt ready to. He took great care in searching out a solution that worked in the best interest of all parties involved. He helped to reduce my debt to a manageable amount and to get my financial situation under control. He was easily available to address any concerns and queries I had. I would highly recommend him. I can breathe again.

Hello Jen, I just want to say that I am so grateful that I meet you and your husband. Words are may not be enough to thank you for all the things that you have done for me. During those times that I have no where to turn and run to. I don’t know if I will be able to look after myself and my family if I did not meet you and help me with my financial problems. I don’t know where to start my day during those days. the money problems is taking over my life that I started to lose my hopes and dreams to myself and family, but when you told me that you are going to help me get through it, it just take off the burden that is inside me. I actually get to sleep at night without worrying that tomorrow when I wake up I won’t be getting phone calls from creditors that is after me. You’ve been a big part of our lives today. Without you I don’t even think that I can take my kids to Chuckee cheese once a month. Without your help I don’t see my self having a cup of coffee in the morning. So from every chamber of my heart I want to say thank you thank you thank you thank you for standing beside me. Thank you for all the support you have given me emotionally and most of all financially. May the Almighty God bless you and your family.

Debt started to go down, thank you!

I feel I could not have made a better decision

Debt reduced from $35,000 to $9,000 – wife
$150/month for 60 months at 0% interest

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

I was like many Canadians - one paycheque away from disaster. It felt like I was drowning in debt and knew I had to do something about it. I decided to go ahead and contact Blair Greenwood at 4 Pillars Consulting. Blair and I discussed the services that 4 Pillars provided as well as my financial situation. Being a thinker, it took me a while to decide to go ahead. Since the first discussion and meeting with Blair, I have been very impressed with him. I also had many questions and Blair was always prompt and professional and patient. I went ahead with a consumer proposal. Blair worked aggressively to get me the best possible proposal. The biggest difference from other companies is he is working for you not the creditors. I finally feel that I am making positive financial decisions and am looking forward to the future. The counselling sessions also provide very useful information. I feel I could not have made a better decision. Thank you!

Very professional. All steps were explained in great detail. Stress-free! Their confidence in their abilities is very "unburdoning" and stress relieving! I feel like I can live again. Chris B

Clear and precise explanation of what needs to be done to repair my credit.

I highly recommend him

We're taught that debt is something to be ashamed of, but the reality is; everyone is in debt - yes even those millionaires with seemingly unattainable fortunes. Initially I came to Blair seeking help, relief, anything really to help me see a way out of my situation. He was so positive, encouraging, honest and compassionate. Not once did I ever leave his office feeling worse than when I walked in. Initially with thoughts of doing a proposal and ultimately due to life circumstances a bankruptcy he made it a positive experience. He is truly gifted at his job. I highly recommend him.

I am so thankful for Darrell and Carolyn and their team. They have been so helpful and caring through the whole consumer proposal. They made it feel ok and were very helpful explaining each step. Thank you so much! Sherie

Sue was very helpful in explaining everything thank you

Knowledgeable and accessible

I found myself in the unfortunate position of filing for bankruptcy. My wife had used Blair's services and I used his services as well. He is polite, knowledgeable and most important, accessible. He walked me through the steps and set things up as were required. I have referred him to three other people since my experience.

Everybody was friendly beyond imagination. They were helpful and effective. However, most important they made a difference. Thank you 4 Pillars!!!! Geza S

I came to see Sue at 4Pillars. I was having creditors harass me on a daily basis. I was stressed to the max. After seeing Sue the phone calls stopped and progress was made. Now I'm in great financial standing. Thank you so much.

My life is so much better now

Debt reduced from $20,000 to $6,000
$100/month for 60 months at 0% interest

I can't express how grateful I am for all you have done for me. My life is so much better now and I actually seem to have more money in my pocket then I have in years. I will definitely be trying to take advantage of the discount that is available when the remaining amount is paid off as well. Thank you, thank you, thank you for everything! I have already referred 4 Pillars to several people.

Our debt load was getting so heavy that we were feeling overwhelmed. It caused us many sleepless nights and lots of stress because there was not enough money to pay all that needed to be paid. After meeting with 4 Pillars and realizing that they can help us with a solution to our debt problem, we have hope now. We learned to get control over our spending and we are very thankful for the help we got and things learned along the way Anna R

In a very short time I have obtained and extensively less stress level and my quality of life is continuously improving.

The whole process was very easy and painless

Debt reduced from $35,000 to $7,200
$120/month for 60 months at 0% interest

Before I met with Blair for the first time I was in a very stressful financial situation. I could barely keep my head above water and it was affecting every aspect of my life. After meeting Blair I realized that I had options and we came up with a plan to get me to where I wanted to be financially. Blair made the whole process very easy and painless, taking my debt from $35,000 to $7,200. I would highly recommend anyone who thinks that they don't have a way to get themselves out of a stressful financial situation to talk with Blair. I'm so glad that I did.

4 Pillars showed me a way out of my debt when I thought I might Never pay it off. George G

All services and help exceeded our expectations.

Able to negotiate and amazing settlement

Debt reduced from $25,000 to $6,000
$100/month for 60 months at 0% interest

Blair was instrumental in helping me after I ran into some difficulty last year. He talked me down, helped keep my stress level at a manageable point and was able to negotiate an amazing settlement. With that taken care of I can finish the training I had started and move on in life. I can not recommend him enough!

We have successfully completed the 4 Pillars program and they have helped us through the debt proposal. Thanks to 4 Pillars, we have managed to stay sane and have hope for a better future. We have learned invaluable lessons in the process for which we are extremely thankful! We have never been happier than now that we went through with the debt proposal with 4 Pillars. The relief of less debt has really eased the burden on us both, but especially on Alberto since I don't have a job yet. The lessons we have learned along the way are simply invaluable. Even though when we're struggling at the moment, we have the comfort of knowing what we need to do and how to manage the situation. A very heartfelt "thank you" goes out to you and Caroline. You made us feel comfortable around you when were feeling really down and embarrassed about what we were doing. Anna Reimer

Being in a consumer proposal, a lot of the weight has been lifted off our shoulders. Sue has been awesome to deal with.

I am on the path to being debt free

Debt reduced from $52,000 to $12,000
$200/month for 60 months at 0% interest

It was a painful experience going from a healthy income level, ALWAYS paying my debts off every ahead of time, and having extra money too. Then things changed.. unemployment, then low income, divorce. I started having to carry debt from one month to the next. Before I knew it, I was only paying the minimums just so I could stay afloat, and then not even that. I saw those ads about getting out of debt, and visited a couple to see what I can learn. I even believed what they said. I'm VERY glad I met Blair, learned the TRUTH of it all, and am on the path to being DEBT FREE!! CALL BLAIR!!

I was very stress and worry about my situation but I get big relieve in 4 Pillars now my life get better. Patricia C.

Although I still feel a lot of shame as to the mess I got myself into, 4Pillars has in many ways giving me my life back.

Everything was explained very well and always very informative. Sessions were extremely helpful in terms of learning new ways of budgeting and focusing on short and long term goals. Always a very positive experience. Great Job, Robert!