Hear what hundreds of clients had to say

My experience with Sue Grubac It felt like one of the lowest times in my life, the day I accepted the fact that my finances were out of control. I was riddled with shame, guilt, and stress. I feared judgement and persecution. During our initial meeting, I broke down emotionally. Sue has a very gentle and kind demeanour. I found her to be very compassionate and empathetic. Within the first thirty minutes of meeting Sue I had a renewed sense of hope and relief. Sue was able to thoroughly explain the consumer proposal process to me without overwhelming me. She is extremely knowledgeable. She’s a natural educator. The follow up planning meetings were extremely helpful. Sue helped me visualize and strategize a future without debt. This was the perfect solution for my situation. As a result I have my life back on track. I would highly recommend this process to everyone.

No judgement and with concise instructions

This service was easily accessible and dealt with in a very personable manner. It was great to be met where I was with no judgment, and with understanding and clear concise instructions of what to do next. This service has helped me in moving forward and getting my life back on the right track.

Charlie made a difficult time in our life turn out to be a simplistic and efficient transition. He made us feel valued and understood our unique situation. Thanks to Charlie our life is now less stressful and we are successfully moving forward.

Wish I did this years ago

Debt reduced from $45,200 to $13,800

Blair was amazing! Talked through process step by step, and made you feel supported and listened to. Wish I did this years ago, made our life a lot easier!! Thank you very much!!

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

None everything was perfect When we were referred to 4 Pillars from a friend, we thought our options were limited. After speaking to Adrian, we saw the light at the end of the tunnel and got our first good night’s sleep in months. Heidi K

As of the 22nd June 2015, and thanks to the professional debt relief expertise and guidance of Sue Grubac of Four Pillars, my wife and I are now free of debt and no longer bankrupt. Hiring Sue to lead us out of our financial misery was the best investment we have made in a long time.........it was money very well spent!

I don't know where we would be without 4 Pillars

I was such stressful times until I met Peter Temple. He has helped me by talking with me and discussing which way I should proceed with my life. I would recommend 4 Pillars to anyone and thankful that I found them. We were shocked how simple it was to dramatically reduce our debt. I don't know where we would be without 4 Pillars.

Charlie, Thank you so much for your guidance and wisdom through this difficult time in my life! I am now awaiting a stress free future with endless opportunities and financial abundance. You have helped make my next step an easy one! Wishing you great success! All the Best,

Very professional, helpful and caring!

Debt reduced from $51,600 to $12,000

With Blair's help, I turned my financial story away from the brink of disaster. I highly recommend his help to anyone struggling under the load of debt. Very professional, helpful, and caring! Thank you Blair!

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

Present a higher profile, making people aware of your services. Our anxiety over financial problems were very quickly relieved when we were introduced to the $ pillars representatives. We were treated with care, concern and respect. We thought we were visiting friends who we hold in highest regard K and R.M

Everything has gone so well with the proposal - it is a wonderful feeling to know there is light at the end of the tunnel and it's not a train!! Thank you for your help and guidance.

Charlie had a very clear explanation of what is done and what will occur. He has a loud sense of humor and really knows his stuff. I am very happy with the results. Was worth doing - a cloud has been lifted.

I was amazed at how fast it went

Debt reduced from $16,000 to $5,400

I had no idea what this process entailed but right from the very first meeting I felt a sense of relief and trust that Blair gave me. He was very efficient and made the process very quick and stress free. I was amazed at how fast it went and how quick Blair answered all my email. He made this process a very positive one and I have recommended him and will continue to do so in the future. I am very grateful for Blair’s help and he also went out of his way to accommodate my financial situation arrangements on paying the fee of doing a consumer proposal. Blair went above and beyond in every meeting and communication between us and always answered every question I had in a very timely manner. I am so grateful and I am happy that I got to work with Blair. Great person.

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

Nothing Before 4 Pillars I had a lot of sleepless nights and I was also stressed out over my bills without 4 Pillars my boyfriend and I wouldn’t have been able to take the trip we took in September for our anniversary thank you Adrian Brenda M

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.

Literally saved our marriage

We thought we were hopelessly in debt! Thank you, Chris, for negotiating the settlement of our debts and literally saving our marriage.

I am writing this letter to you to thank you very much in helping me with my debt situation. I have just been informed that my consumer proposal has been accepted, and I am well on my way to becoming debt free. I would highly recommend you to anyone who has debt. I think your services are well worth the fees. Thank you again for your help.

4 Pillars is amazing

Debt reduced from $38,000 to $9,900

4 Pillars is amazing. Very helpful and friendly to deal with. Thank you for everything!

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

I feel that the service I received from 4 Pillar was professional and helpful in every respect. I cannot think of any improvements that could be made. 4 Pillars helped me to find a way to address my overwhelming debt in a way that has allowed me to gain freedom from my financial burden. I will tell others about the services you offer. Darrin

Thank you Sue for helping me get my life back on track! Unfortunately I found myself in some financial difficulty due to a few bad decisions, a divorce and a tough economy. I spoke to some bankruptcy trustees who all convinced me that my only choice was a bankruptcy. I met Sue by chance and she had a different approach. As a result of her advice I saved both time and money and was able to get my life back on track almost immediately after following her advice. I am not saying that what’s right for me is right for you, however, if you find yourself in financial difficulty and need some advise you owe it to yourself to discuss your situation with Sue. She helped me immensely and I very grateful for that. Thanks Sue!

My debts have been completely settled

I originally signed up for debt help with a different company (not 4 Pillars) based out of Ontario and received very poor service and the bank actually decided to sue me. I was completely stressed out and didn't know where to turn. In June of 2013 I went to see a lawyer to help me out with the pending lawsuit and my lawyer, introduced me to Benjy Houser who worked with 4 Pillars Consulting doing debt consolation and counseling. Benjy immediately met with me, we went over my debt, budgets, etc. I was feeling bad about the situation I found myself in but Benjy treated me with tact and diplomacy. He was never judgmental. I will admit that I was at first skeptical about dealing with another debt consolidation company, but Benjy put all those fears aside. I am pleased to say that after only a few months my debts have been completely settled and the lawsuit ended due to his great work. Benjy is truly a pillar in the community. I would without hesitation recommend him to my friends.

We met with Mr. Peet, on first impression he seemed open and honest, even down home. Not stuffy or business like, no business suit either, very comfortable feeling. As I explained more in depth information of my mother's situation he listened patiently and assured us everything will be fine, not to worry, as the consult continued he suggested and gave us what I thought was very good and sound advice that suited my mother's situation. He made us laugh and that made us feel at ease. Near the end of the consult I asked how much this meeting cost, Mr. Peet said no charge I was shocked and surprised. This person is really nice, he obviously cares about the people he consults. This letter is to let you know that Mr. Peet seemed to be a genuine, honest, caring individual who listens to the situation and advises what is best for that person. He also goes out of his way to help anyway he can without asking for reimbursement for travel or gas. Anyone who hires him or uses his consult company will be impressed I know I am and will certainly suggest him to other people. I sure hope that Mr. Peet stays true to his character and show's people his true colors, a caring, honest individual, god bless you Mr. Peet.

I left feeling informed and confident

Debt reduced from $28.500 to $9.600

Blair was extremely helpful and very accommodating. I left feeling informed and confident in the choices I had. He explained everything clearly and answered all my questions. Very professional and friendly.

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

Before I met with 4 Pillars I was stuck, a drowning victim of sorts. I had nowhere to turn, there was nothing I could do. Now that I have gone through with my consumer proposal I can breathe, I feel free. It’s been a long time since I’ve stood on my own feet. Thank you. Jackie B

I have been a client in 4 Pillars for nearly Five Years. My situation five years ago was so dire that I thought it absolutely impossible to avoid bankruptcy and or get out from under the debt load I had at the time which was not far south of $100,000.00. My wife and I were given an option that totally changed both our lives and the way commerce really works. We were counseled on a couple of occasions through the process and in the end, we saw a dignified way to make our financial situation better for all. I have been making my payments on time every month for 56 months. Four more to go! Some months have been challenging, but I KNEW I was obligated to make it work. I have been operating without credit for nearly five years. Believe me, most people's problems have been created by massive debt. I would say I have no problems. I have learned to very much live within my means. Yes, it means giving up the wants that we have or should I say wants that we are taught to want. My life is a bit more frugal. But I am much happier for it.S o when Sue explains to you that there is a better way, I promise you 4 Pillars is a Godsend that should grasp without hesitation!!

I thought I would drown forever in my black hole of financial doom

Just when I thought I would drown forever in my black hole of financial doom, Sue from 4 Pillars 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 1st time in years I felt like there's a light at the end of my tunnel, and I could once again attain my goals and dreams. I give Sue Grubac my highest recommendation. Her soft manner will immediately have you feeling comfortable. She will act 100% on your behalf to find the best solution for you with your creditors.

Very friendly and helpful service and all of my questions were answered completely.

The outcome was better than I expected

$83,000 to $26,100

Blair was a positive beacon that guided us on this journey. He explained everything, told us what the options were, what he was going to do and what the possible outcomes would be. There were no surprises and the outcome was better than I expected.

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

At a very stressful time in my life; I found my consultant very knowledgeable & understanding. His compassionate & light hearted nature made the whole process easier. Melanie L

Sue, I want to thank you again for all the support you provided to me when all of this started and I want you to know that your program saved my financial hardship. You were there when I needed a direction to turn to. Our future looks a lot clearer. I hope more people will find you and your services and trust that it will change their lives for the better. I trusted you from our first meeting because you didn’t judge my situation, but just listened and offered me a solution that worked. I cannot thank you enough for that and will always think of you if someone is in need of your services. I don’t like to visit that part of my life very often but I can now just smile and thank heavens that I have learned how to be a smarter spender.

I thought it was another dead end road to get out of debt

Before I met Charlie I was feeling stuck, as in stuck with my wheels spinning while going nowhere in regards to my debt. I was making the minimum payments while the interest kept piling up. I came to see Charlie with a semi - closed mind, thinking that it was another dead end road to get out of debt, however, moments into our first meeting I felt comfortable and confident that Charlie knew his stuff and could help. One year has passed since our first meeting and I don't regret my decision to see him and use his services for a millisecond. I can't wait to get everything paid off, and to start rebuilding my credit. Thanks Charlie!

I started the process with Charlie in 2007. After 6 years I contacted Charlie again for his help in rebuilding my credit, and thanks to Charlie I am on the right path again.

I cannot stress how wonderful it feels to have a manageable financial picture again

Debt reduced from $76,000 to $12,000

I would highly recommend Blair! He is extremely knowledgeable and competent regarding the consumer proposal process, and he was honest and helpful from our very first meeting right through the entire process. Blair put my mind at ease immediately, by showing me options to deal with my growing debt - options that I was not aware even existed. He was understanding and non-judgemental, which made a huge difference for me as I was someone who took pride in my financial management skills and I was struggling due to unanticipated circumstances over the course of many years. I had been looking for assistance and options to take care of my debt obligations in a manageable way. Although I was hesitant about the unknown when I first met with Blair, he put my mind at ease right away and provided me with viable step by step options, solid information and facts; and he was available and supportive throughout the entire process. I cannot stress enough how wonderful it feels to have a manageable financial picture again, and I owe it all to Blair! He was an absolute pleasure to work with and I highly recommend him!

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

There is no improvement to be made. Adrian always covered all bases in an excellent manor when I worried about a certain issue always called me back in a couple of minutes to discuss the issue. I am feeling very content now. Stress free. So happy that my debts have been looked after. Monthly payments are low. Highly recommend Adrian! A+ in my books! Wonderful feeling. Gayle W

To whom it may concern, I have had the pleasure of knowing Sue Grubac for just over one year. From our first introduction meeting over coffee, Sue's passion for resolving debt relief with individuals suffering from short sales, insurmountable debt, credit card debts and a variety of other types was very pleasant. I recently referred Sue to a client of mine that was going through a short sale. Without Sue's time, dedication and experience the sale would not have been completed. Not only was she able to negotiate a short sale, but the entire debt load on this individual. Sue helped give this person smile back! I see this client frequently and they are walking tall again. I highly recommend Sue to any individual looking to know more about Credit, credit scores, building credit or if they have a debt load or short sale they don't know how to sort out. Thank you for being there.

Naturally we were extremely stressed trying to deal with our situation, and we had apprehension when we heard we had to pay a fee. I can honestly say that it was money very well spent, and we would recommend Charlie to anyone needing the service he provides. Thank you so much for helping us.

I have been extremely happy with the service and knowledge

Debt reduced from $22,500 to $4,350

I was mortified and humiliated to find at the age of nearly 70 to find myself in so much debt. I phoned many companies and started to think I was dealing with seconded hand car dealers they all seemed very fast talkers and would not answer my questions over the phone I felt pushed for me to come into the office. This was not the case with 4 Pillars I made an appointment at my convenience and did not feel pushed or harassed into making one. I was very surprised when I met Blair Greenwood a very well educated and eloquent young man. We talk about my problem, he understood my situation and laid out all the options for me. I have been extremely happy with the service and knowledge Blair has given me I would be more than happy to recommend Blair and 4 Pillars to anyone who finds themselves in this difficult and embarrassing situation.

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

Nothing I couldn’t have done it on my own. That stressed out feeling is finally gone + my repayment plan works wonderful for me. Thanks four pillars for a second chance. Cathy O

Sue, I was very concerned when one of my clients asked me how much of her assets she could access for her kids to take care of their tax debt. You did exactly what I had hoped you would be able to do, you set up a plan that saved my clients' hard won assets from being gobbled up in this horrible situation. Thank you very much for helping my client and her family.

I have felt very comfortable and treated with great respect throughout my experiences. The value and benefits of this service have exceeded my expectations. The service is very structured and Charlie is really great at explaining everything to me in simple terms.

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

Before sitting down with a consultant from 4 pillars, I was drowning in credit card debt and personal loans, being harassed by collections calls and not knowing where to turn. Now I will be debt free in no time at all with a payment I can afford, they have also helped show me how to be more credit responsible. Jason

Hi Sue, I just wanted to say thank you. Thank you for helping me, thank you for helping us. I have been able to breathe lately and that is a good feeling - something I haven't been able to do in a long time.

Charlie is very helpful, positive and encouraging! I felt that I was looked after and directed towards handling issues with creditors in a positive way. I will definitely give him a '2 thumbs up' for his knowledge and expertise, and will let others know about 4 Pillars.

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

No improvement needed excellent service I was in debt over my head, my family helped me to pay bills. Now that 4 pillars has helped me I can pay my bill and not be stressed out about my bills. I can live a stress free life. Thank you 4 pillars Susan G

Hi Sue, My 3 words to describe you are: Compassionate towards clients’ needs and emotions Loyal to your clients, always available to answer questions and meet if needed. Knowledgeable very informative of 4 Pillars Debt Restructuring Program and how it can help and change peoples’ future. I am very grateful that I am a client of Sue Grubac and all she has done for myself and my family thus far. Words are really hard to describe a person who has a big heart for lending a big hand to those in need of answers, that is definitely Sue Grubac. Sincerely, JB

I had over $90,000 in debt

I was burdened by over $90,000 in unsecured debts. I simply was not able to assume the payments on these debts. The situation was such that making the minimal payments would have required almost all my income and it would have been impossible for me to pay for my basic needs and those of my children. I contacted Chris to evaluate the options available to me. Going over all my information and analysing my situation, we were able to negotiate payments on a $30,000 combined debt level instead of the original $90,000. I am now able to fulfill my obligations and provide for both myself and my children. I am now on the way to be debt-free and rebuilding my credit rating. I have to thank Chris for this. He was there throughout the process and always available to answer my questions.

The process was well laid out - so that brought me to meeting with Charlie for the first time. It was a comfortable environment, with compassion and understanding of the journey. The anxiety was kept to a minimum.

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

Not applicable Adrian and 4 pillars consulting gave us back our peace of mind. We had tried other counselling of doing it on our own but we just got deeper and deeper in debt. Adrian demonstrated consistent diplomacy and integrity in our sessions. Thanks Adrian. Thanks 4 pillars!!! Vicki C

Taking small steps to where I want to be in life, debt free and more!! Thank You for making all of this possible, and I'll be forever grateful for all you've done.

4 Pillars changed my life for the better

Chris Southey and 4 Pillars changed my life for the better. Before I sought help I was not sleeping well, constantly stressed and I had no clue what to do regarding my mountain of debt. However, from my first meeting with Chris my mind was put at ease and clear solutions to my problems were explained at the outset. We then chose the one which was best suited to my needs. Within several months Chris had helped me reduce my debt by over $20,000.00, making my monthly payments much more manageable and simplified. Meeting with Chris from 4 Pillars was one of the best decisions I have ever made, and I will be glad to recommend him and 4 Pillars to anyone I come across who is having a hard time dealing with their financial woes.