Hear what hundreds of clients had to say

Amazing service! After my first visit I felt like a huge weight was lifted. Charlie made every step easy.

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

I was drowning n credit card debt and Adrian Moore was able to guide me through the process of a consumer proposal. I am now taking care of my debt and rebuilding my credit at the same time! Nam N

Excellent service. Professional, trustworthy, always there to answer any questions. All matters are kept in confidence, explanations are down to earth, and Zach is there for your protection and need.

Without you, our lives would have been very poor

Once again, thank you for all that you did for me and my girls - without you our lives would have been very poor and full of stress and I wouldn't want that for my beautiful little girls - they don't need to know bad stuff or feel it for that matter. So, THANK YOU JIM!!!!!

It is very easy to work with Charlie. He has kept me informed as to what stage I am at and where I am going. His sense of humor is a bonus!

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

Nothing, Adrian was very good to us we felt very comfortable and we were taught money managing skills that we will use always. Your services have improved our lives. Thank you. Michael & ***** J

It has been a heavy weight lifted off my chest since I met with Zach Brull and I feel like now moving forward everything is going to be fine

We are no longer desperate

Hugh thanks. Roy and I are no longer desperate now that we can pay our debts off with the consumer proposal you suggested we do. We are now working daily on our budget and saving for the future. Thanks again Hugh!

Excellent service! All my questions were answered which made me confident when it came to making my decision on what to do with my debt. Charlie is very friendly and knowledgeable.

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

I think it was wonderful all around. I found Adrian excellent in terms of explanations encouragement and his understanding manner made the entire experience stress free. I really appreciate how easy he made it. Nancy B.

I have known Zach Brull for the last 9 months. From the very first meeting to now (second credit counselling). Zach has been very professional and yet very kind. Super knowledgeable but non-judgmental and sympathetic. Zach is an amazing person, and took time and energy to make this stressful time into very high end ~something time. Thank you so much, Zach!

I can retire debt free in a few years

One of my friends recommended Hugh to take care of my debt problems. I was scared that I had to go bankrupt. Hugh explained all my options very clearly and was very supportive of my physical pain and stress. Hugh gave me hope and now I feel I can retire debt free in a few years. Thanks Hugh

Charlie and Monique helped me to understand my situation clearly and were fundamental in my confidence in the process. They helped put my fears to rest, and walked me through every step. They were quite helpful in my handling of my debt situation.

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

We are no longer doing bill shuffle deciding which bills to pay and which bills to put off until the following month thanks to Adrian and 4 pillars, we are living with less stress and enjoying life. Chris and Michelle

Zach knows his stuff and the fact that he has a great personality is a bonus. A difficult time made easier, we can live again. Thanks Zach!...

Your consumer proposal changed my life

I want to thank you for all your help for getting me out of my debt problems. Right from the beginning I felt comfortable that your manner and professionalism would make my debt problems go away. My debt going away with the consumer proposal took away a lot of stress has changed my life for the better. Thanks again

Mr. Peet has been very helpful throughout my bankruptcy problems. It has been very comforting to know we could count on him throughout to come to our aid. I highly recommend his services.

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

We can’t express our gratitude enough for how you helped our situation. You helped us get our lives back. Thanks again for your help & encouragement. David & Linda B.

Zach saved my financial life due to his out of the box thinking. I wish I had met Zach years earlier to avoid being chased by the collection sharks and tax collectors at CRA. I now live with a clear mind and worry about things that count: family, friends and clear state of mind and sleeping well. Thanks Zach.

I went from $1600 per month to $350

Hugh the consumer proposal you suggested has given me a fresh start. I went from $1600.00 a month and interest to $350.00 a month for a consumer proposal. I now am starting to save money and thanks to you watch what I spend my money on. Thanks for all your help.

I found Charlie very straight forward and easy to talk to. All-in-all, a lot of help.

Hello Bob, and the staff at the Phoenix Fund, hope this finds you all well. Letting you know about a significant victory on our journey to debt freedom - our bank has approved a personal loan to pay out our Phoenix Fund account, and will be mailing the draft tomorrow to close that off. A couple of years ago I found myself sitting across a table from Bob Hauck, feeling somewhat dejected over my present circumstance, but hopeful that maybe this would be the solution I had been seeking. Bob, your patience with my questions while we went through the options was exceptional, and I appreciated the time you took to be sure I fully understood what the road ahead might look like. The next significant memory I have is sitting at a restaurant table with a very friendly and reassuring Chris Jimenez, signing documents that would be a big step towards putting the debts of previous years behind me. A couple of short years later, we are firmly on the path to debt freedom, and I have completely changed how I view financial responsibility and accountability. Publicly, a major thank you to my amazing wife who stood by during this process, patient, supportive and encouraging. To Bob and the staff at the Phoenix Fund, my heartfelt thanks for your help. The direction of this family tree will look much different, and that is due in part to the role you played along the way. Create an excellent week, Brandon Pastoor

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

We were up a creek without a paddle & Adrian gave us the help we needed. Again Adrian thank you Shawna & Tim D

Zach was very prompt in email responses and when he answered all my questions. His service has helped me go through a very difficult time and now I can see the opportunity of a new start in life when I finish my payments. Thanks Zach. If you are in financial distress don’t prolong the suffering, call Zach. There is always a solution.

Working with Charlie, Monique & the 4 Pillars system was very informative in guiding me through the whole process - not only reducing my debt, but also reducing the stress; and now we are working together to re-establish my credit

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

For us the service was perfect & we would not have changed anything We thought we were at a end and there was nothing we could do to get back on our feet no matter what we tried. We are young and have a family and we thought for sure we were going to have to give up everything we had worked for. We were scared for our kids and our marriage. Then our prayers were answered. We heard about 4 pillars through a friend and thought “well we haven’t tried this yet so it is worth a try” so we did it. We picked up the phone and gave 4 pillars a cal. It was the best thing that could have ever happened. Thanks to them and all their hard work we are paying off our debt, communicating with each other, we have our confidence back that YES WE CAN DO IT and we did not lose anything. What we did do is gain we gained something to look forward to our FUTURE. Thanks again to 4 Pillars for your continued support. Sincerely, Cory A

Zach was very understanding, non judgmental and helpful through the whole process, which was foreign and very intimidating to me at first. With Zach’s experience, empathy and good humour made the whole process enjoyable. I looked forward to our meetings. I would recommend Zach for anyone in Toronto area who needs help with insolvency.

Charlie helped me to understand how to save my money better, and not to touch it. Charlie explained how to reach a goal of my choice within a year. He is great to talk to. Thank you.

I met Peter from 4 Pillars at a low time in my life. I had $15,000 student loan debt and $5,000 in credit cards. I was making the minimum payments each month but the balance would not go down due to the interest. Peter negotiated an interest free payment plan for me and the debt was paid off at $150/m for 60 months. So $9000 to pay off a debt of $20,000! So happy I contacted him

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

More online services to be able to log into website to view status or communications from creditors. Before visiting 4 Pillars, every day I was stressed + worried about how I would pay all our bills. Now we have a balanced budget and know we have enough money every month Richard K + Tara B

I was very hesitant towards the process of filing a consumer proposal, but once I was explained in full, Zach made sure I was completely comfortable. I felt like I was leaving my financial future in his hands, and had no problem trusting the process with him around.

Words cannot express enough what you have done

These words cannot express enough for what you and 4 Pillars have done for me and my family. I am so appreciative of the very quick work in handling my situation in such a precise and professional manner where my stress I was experiencing disappeared after getting the help I needed.

Charlie is so professional and so personable at the same time. I value his advice and will continue to follow his instructions. I am highly recommending Charlie to my clients and friends who are finding themselves in need of his services. Thanks Charlie!

4 Pillars helped me when I had accumulated $25,000 in credit card debt due to being off work with stress. The harassing creditors made my condition worse and I was seriously considering bankruptcy. My friend at work suggested I contact Peter Temple at 4 Pillars. I met him and he arranged a consumer proposal for me. This immediately stopped the creditor calls and my debt was reduced from $25,000 to $9000. What`s more I was able to pay the $9000 over a period of 5 years at $150/month! Don't struggle in debt contact 4 Pillars for real help

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

I can’t think of how this debt reduction could be done any easier and only through a quick 5 year plan This debt reduction has been very positive experience with Adrian’s guidance and hard work we completed our consumer proposal quickly and greatly reduced our stress levels. Richard B

You cannot improve on perfection. We got our life back on track.

Over the past years through situations I incurred a lot of debt. I went to a debt settlement company and they ended up making it 100 times worse, as my creditors were going to take me to court. That is when I met Charlie and 4 Pillars Consulting. Charlie changed the whole ordeal around. He got the courts to stop and he got a deal made with my creditors where I will be able to pay my debt back. Just go with him. I wish I did from the very beginning.

I was referred to Peter Temple by my mortgage broker. I had $80,000 debt and had tried to release equity from my home through a mortgage to pay it off. I was only able to get $30,000 so I asked Peter to negotiate a deal with my creditors.
Peter was able to settle all the $80,000 with this $30,000 lump sum.

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

Cannot think of anything else as you are doing just great. I have been very happy with the services that I got. Miles and Adrian made us feel very comfortable when talking with them. Thanks for getting rid of a lot of the stress we had. Isabel L

I would like to say thank you so much Zach. I was disappointed with my financial problem before meeting you. You helped me to solve my debt problem and start a new life.

I saved tens of thousands of dollars

After many years in business I realized I was slowly sucking up equity from my assets to pay bills and slowly the debt started to grow. I thought my business was recession proof but came to realize that it was 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 4 Pillars 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 creditors. 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 tens of thousands of dollars and the phone calls and letters stopped. I was worried my name would be smeared and I would be an outcast, 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 free of 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!

The service has been great. Ask questions and take advantage of the resources available through 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.

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

Nothing the service is excellent! Four pillars provided us with a life altering service. Gone are the sleepless nights and phone ringing off the hook. We now feel the future is brighter and we can manage with everyday life without stress. Daniel and Rachel H

I am satisfied with the services provided and strategies in place to get me out of debt very quickly. I cannot imagine reducing my debt to such a ridiculous amount without 4 Pillars. This company is God sent and I am happy to come across it. Thank you, 4 Pillars.

I was very nervous and upset on my first appointment

I had finally got out of my own way and left an abusive marriage. I struggled financially on my own for almost an year. My daughter suggested I make an appointment with 4 Pillars, as she had heard only positive things about them. I was very nervous and upset on my first appointment but Pauline put at ease right away. Pauline provided me with information that was very informative and easy to follow and understand. I am very thankful for the professional support and compassion Pauline has provided me. I now can see the bright side of life and am moving forward with a positive manner.

I had a great experience with Charlie. He was very upfront and honest about my situation. He explained to me what options I had, allowing me to pick one that was best suited for me. Everything worked out great.

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

Put more of what you say @ first in writing When no one would help me, you (4 Pillars) were there to lift me up and guide me to see the light at the end of a long distant tunnel, and give me hope that I will be debt free in 5 years’ time William S

Service was great. It was very well arranged and accommodating to individual needs. What initially was a scary decision to make very quickly became a comfortable and well explained. I had a safe and responsible feeling from the meetings and information shared. This helped put my mind at ease and trust 4 Pillars to guide me through the process.

THANK YOU THANK YOU!!!! You are awesome!

Dear Trevor: Thank you so very much Trevor! You are awesome! You have been such a BIG help to us! Thank you just doesn't seem enough but THANK YOU THANK YOU!!!!! You have made this very difficult time so much easier for us and your professional style is just outstanding. Reducing our debt from $76,000 to $27,600 has made all the difference in getting our financial situation under control. We now have monthly payments we can afford at zero interest so we can actually pay off our debt instead of just interest. Thank you so much!