Hear what hundreds of clients had to say

My husband had a massive stroke on September,7,2011 he was 49 years old.After that Mel could not work,and he went on long term disability.He was supposed to have it until he was 65 years old,but the insurance company cut him off.Then a month later I lost my job,because the place I worked at closed.So we decided that we were going to fight the insurance company,so we hired a lawyer,and that is where our nightmare began.I got a new job that had health benefits but it only paid minimum wage.At the the time our credit was good,but we ended up using our credit cards and the line of credit to pay our bills.We were forced to put ourselves in debt,so that we could survive.We tried really hard to make what little I had coming in and Mel's disability checque which only covered our rent.The best thing to happen to myself and Mel was looking in the phone book and finding the name and number for David Moffatt,he made us feel very comfortable,and listened as we told him about our financial situation ,and he told us in detail what were our options and what best fit our situation .If you need help and you do not know how to fix it David Moffatt is the guy you need to see.He will help you find a solution,and we will be forever grateful for everything he has done to help us.

David is very knowledgeable, understanding and efficient with what he does. He works to help people with no judgement. If you are having financial problems related to debt I highly recommend you contact David of 4 Pillars. He has helped me and my family get back on track financially.

Very professional and knowledgeable, a fantastic company.

Laurence provides an amazing service. He works so hard for his clients to ensure that they reach their goal of becoming debt free. When you meet him, he puts you at ease, you know you are in good hands. He takes the time to walk you through each step along the way. His negotiating skills are unbelievable and so are the settlements that she gets for his clients. Laurence has helped me immensely so I am confident in recommending his services to you. If you're struggling with debt and looking for options contact Laurence today!

Laurence is dedicated to helping you find the best solution to resolve your financial issues. If you're looking for help and need advice, I highly recommend you contact Laurence as soon as possible.

I have personally known Laurence for many years and hands down, there's nobody in Barrie that's as good as him in getting debt relief for people who feel overwhelmed. He's a successful problem solver no matter what the situation, he gets immediate results and that's why i would recommend his services.

Laurence is the best in the business... no question. Very professional, caring and no nonsense. If you have any debt related questions or challenges which you need sorted out, do not hesitate to contact Laurence.

Laurence's knowledge is extraordinary! He brings a creative approach to his work and this helps his find solutions that others may miss. Anyone struggling with debt will benefit from Laurence's advice.

You will not find two better people that Ryan and Sharon Brown. They are both so compassionate and caring that you can immediately feel you've made the right decision contacting them. Their knowledge and dedication is evident in each step of the restructuring, budgeting and credit rebuilding plan. If you are struggling with debt and unsure what the next step should be, please call 4 Pillars and speak with the team in Sudbury.

Laurence is very dedicated, knowledgeable and committed to his clients. He works hard to ensure you find the best solution for your needs. If you are currently struggling with debt, give Laurence a call.

Trevor; thank-you for helping me see that there is a forest past the trees! I haven’t felt this relaxed and stress-free for some time! You have been so patient with me and helped me weather the storm!

Charlie, I just wanted to let you know that everything is in the works and the paperwork will be ready this week. I wanted to thank you so very much for all of your help and guidance. Take care and never change how you deal with clients as your compassion, caring and understanding during trying times is absolutely amazing.

I am very very happy with 4 Pillars

Debt reduced from $17,500 to $3,150
Paid lump sum

4 Pillars has changed my financial direction from really awful to amazing. Blair Greenwood was very knowledgeable in helping me understand the process and making sure I got the best debt consolidation possible. From $17,500 down to a promise of $7,200 and a final agreement of even less: $4,200 PLUS a 25% clause if paid in full. I am VERY VERY HAPPY with 4 Pillars and would recommend them to anyone who is willing to do what it takes to move forward financially.

In my darkest hour I found 4 Pillars, after sharing my distress with a friend in Calgary who recommended 4 Pillars. Thanks to 4 Pillars I have now recovered my strength and confidence and am free to start over again! Susan

4Pillars helped me with my debt beyond my expectation. Right now they're helping me with my budgeting, it made me realize many things about handling my finances.

My Son's debt spiralled out of control

I want to express my appreciation for helping my son achieve financial stability once again. Over a period of time, my sons' debt spiralled out of control to the tune of some $90,000, due to the impact of a slowed economy on his business. It's fortunate that we found your office. You gave us excellent counsel on what steps could be taken to remedy the debt. Your professionalism stood out by treating us respectfully; with complete confidentiality. Today, as a result of successfully resolving his debt load, my son no longer feels the weight of the world on his shoulders. He's back to his old self again, living life to the fullest and enjoying family and friends once again.

My name is Allan. I first met Charlie over the phone as we discussed some options that were available to our family. We booked an appointment and met with Charlie. I was impressed as to how thorough and clear Charlie made the presentation. Charlie explained to us all of the options, results and risks involved in our decision. Charlie was very understanding, compassionate and down to earth and we discussed the next plan to take. I really appreciated his compassion and understanding. He even gave me the courage to make a phone call to my family about our situation, which I did not want to do. Through his encouragement I was able to call, and I thank Charlie for his assistance in this area. Overall I am very pleased to get to know Charlie. He has compassion for people who need debt relief. I recommend Charlie to you as one who is compassionate and able to help you in your time of need. Yours Truly

4 Pillars is an amazing company

Debt reduced from $19,000 to $4,425
$73/month for 60 months at 0% interest

4 Pillars is an amazing company and helped me so much. I was told about them by a friend and very happy that she recommended them. They get the job done without questioning you, help you with your future finances and find out what you are needing to make it a successful and positive experience.

Through the 4 Pillars program, I am able to live without the extra stress of creditors hounding me daily. Thank you David Moffatt and 4 Pillars. You have saved my life. Eric

4 Pillars has friendly and easy going staff. Help me from having to deal with creditors phone calls.

Hello Charlie, Thank you for coming to our home the other day. We really appreciate that you took the time to come out here and for what you had to say. I am sure that with your help and guidance we will be able to go down the road of success sooner than we could have imagined! Sincerely

We encourage that anyone doing a proposal have a professional working for them and not the banks

Debt reduced from $200,000 to $51,000
Paid with a lump sum

Upon selling our business we found ourselves unable to pay off all debt owing. Blair Debt Consultant @ 4 Pillars, was recommended to us. We found him to be kind, compassionate, understanding and extremely easy to deal with. We were immediately put at ease. Blair represented us through a proposal to our creditors and removed the stress from our situation. He set up and determined a fair settlement that our creditors agreed to. The process has brought sanity back into our lives. We encourage that anyone doing a proposal have a professional working for them and not the banks. We highly recommend Blair and his company 4 Pillars and can't thank him enough for all he did for us.

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

The only problem I had was waiting to find out if the trustees accepted my proposal. (Took over 2 months) 4 Pillars was excellent at helping me lower my debt & get me on the path of recovery. I’d recommend them to anyone in financial trouble. Teresa The phone calls & final notice bills have stopped. I am happy

I don't think their words to describe the immense wait the lifted off my shoulders. Thank you from the bottom of my heart for the hard work and care you poured into my case. It's very apparent how much you truly care about your clients and we really appreciate not just 4Pillars but you!

We were so far in debt

I had never gone through an debt situation before and the feeling that I was letting everyone down upset me more. I was also overwhelmed on what to do. I was thinking that I will someday get money from somewhere and this problem would vanish. All this made me procrastinate, which only added stress because it was becoming difficult for us to make end meet. I was loosing sleep and my relationship was also suffering. I would thank god for helping me realize that this debts was not going away and used the services of Pradeep. I must admit initially I was a little skeptical. The reason was that I had approached Banks earlier to find out an way out this mess and I was told by them that they could not help me. They told me that I had excellent credit but was an very risky client. Like most of people I thought that Banks were the only source of advice. When I met Pradeep, he was very professional and compassionate in our meeting and explained all the options I had. He literally made me understand each step of the process, so that I knew exactly what I was doing. I was somewhat skeptical even till the end and was surprised when the creditors accepted our offer of paying back only an portion of the debt. I thank Pradeep for being so understanding of my situation and also taking off an huge burden of my shoulder.

Working with Charlie not only helped us financially we also feel we made a friendship that will help us out through rebuilding our future.

He worked hard to accomplish the best outcome for me

Debt reduced from $21,800 to $5,000
Paid with a lump sum

Right from the beginning I was made to feel comfortable and was put at ease with my situation. Blair showed the utmost professionalism and worked hard to accomplish the best outcome for me and my future. I would highly recommend Blair and 4 Pillars to anyone who wants a second chance at having credit and financial freedom once again.

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

I was pretty happy with the service, I don’t know if there is any need to change anything. 4 Pillars treated me like I was one of their friends, I felt like we had known each other for years. Jason

Dear Sue for all your many kindnesses, and your helpful spirit thank you.

Everything went exactly as you said it would

Your expert knowledge and professionalism gave us the confidence to have you handle our debt settlement. Everything went exactly as you said it would. We are now debt free and are working on building our credit rating with your help. You are the best!

Hi Charlie, Let me say we are former clients of yours. I'm not sure if you remember but we used your services about 7 years ago and it made a world of difference for us! So thank you for that! Thanks

It really was a great experience

Debt reduced from $30,300 to $6,000
$100/month for 60 months

Going into this I was sceptical. Right off the bat Blair shed light on the whole process and helped me understand my options. I would 100% recommend 4 pillars to anyone in financial distress. It really was a great experience. Thanks Blair!

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

Service is clear, concise, and above all else heartfelt. You truly make the clients feel as though you are a team. Together you will find a solution to an embarrassing and stressful situation. Don’t change a thing. We were at our wits end. The stress, the phone calls and agonizing every time you got another bill in the mail. Now we are back on track. Together as a team we have found a manageable solution to our debt and are working to re-establish our credit. Rod

You have made my life so much easier thank you again.

Thank you for the email. We are very happy that the proposal went through, now we can get on in life and move forward. We really appreciate all that has been done and we think that Charlie Peet did a great job.

I would highly recommend anyone in a hard place to take that step

Debt reduced from $15,500 to $4,640
$77/month for 60 months at 0% interest

Blair made me feel very at ease and comfortable with my decision. He was upfront and honest and always responded very promptly to my many questions. It was a real pleasure dealing with Blair and I would highly recommend anyone in a hard place to take that step and feel the relief!!!!

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

I found the service and help from 4 Pillars very satisfactory. I’m very happy with the service, it took a big weight off my shoulders. With the debt that I had got myself into I almost felt like a sinking ship, but 4 Pillars pulled me out of my drowning debt. I now can breathe a whole lot easier now. I just want to thank Adrian 4 Pillars for everything. Dave

Sue, words can't describe our gratitude and thanks for your guidance and advice through these last few months. Thank you! All the best and we look forward to keeping in touch.

I have recommended 4 Pillars to others in my position

I have recommended you to others I have encountered in my position and want to once again thank you for helping me get my life (and finances) back in shape. Thank You for getting me through this difficult time in my life.

Hi Charlie & Monique You're AMAZING! - You're BOTH amazing... Thank you SO much for your help and expertise thus far... I can't believe that my deal has been accepted. I am looking forward to working with you on the next phase of rebuilding my credit.

Yes, good people sometimes make bad choices

Debt reduced from $57,000 to $12,920

I'd consulted Mr. Greenwood Sept., 2012---I was uncertain & the fees seemed kind of large. When I sought out 4-Pillars, July 2015, I found Blair to be somewhat more: understanding, without being either patronizing or cloying; non-judgemental; optimistic & purposeful--without the 'Tony Robbins'-like ('...you gotta do it Now you gotta do it MY WAY!') intensity. All insolvency--especially that involving Consumer Debt--is the result of a long string of spectacularly bad decisions. Yes, good people sometimes make bad choices. mine were perpetrating drains on both my finances & my physical Health. Blair Greenwood treated my situation with respect, optimism & the quiet confidence, that comes from knowing he's already made a positive difference in other people's lives. The measure of that confidence is Mr. Greenwood's acceptance of my suggestion to adopt a 2-tiered schedule, for remuneration & reparation payments.

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

Our experience with 4 pillars consulting group has been very positive. The realization and acceptance that our financial situation was beyond repair on our own was mentally and emotionally draining with a sense of failure thrown in. however, from the first appointment with Adrian Moore and throughout the subsequent meetings we were treated with dignity and kindness. He assured us this was not the end of our world; showed how there was a positive solution possible and so it has proved to be. His explanations of the debt reduction process; what to expect and what was expected of us were clear and timely so we were not overwhelmed. Also from the first appointment we felt a weight lifted and our lives become less stressful. We would highly recommend Adrian of the 4 Pillars Group to anyone in need of debt restructuring advice and help. Kamad & Janice W

Dear Sue I so appreciate you and your plan… I sent a friend to you and 4Pillars gave him the opportunity to reduce his accumulated debt into a workable plan. I'm so impressed with this opportunity…

Charlie was a professional from the very start. He coached me through a very stressful time in my life. In fact he is still working with me today to rebuild my financial stability. I know that I would not have been able to work through what I did without his help. I cannot say enough about how much I appreciate his work.

It was great having him in our corner

Debt reduced from $26,000 to $11,600

Blair was excellent. It was great having him in our corner. He has a real professional attitude which made us feel at ease and he made sure that everything was taken care of. I would highly recommend Blair to anyone feeling overwhelmed by debt! You feel very welcome the moment you walk in the door and even though you may be feeling 'ashamed', Blair helps you feel like it's ok and the decision you made is the right one.

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

Nothing, I see no room for improvement. We were completely satisfied. We wish we knew about 4 Pillar a lot sooner, we had no ides this kind of help was available! It was so easy and comfortable and we have our life back on the right track, we cannot thank you enough! Jennifer + Richard S