Hear what hundreds of clients had to say

Our experience with Ryan and Sharon is one that changed our lives completely. Their ability to make us feel understood and cared about with our situation is what made it possible to go through what was required, to get control of our finances. We highly recommend 4 Pillars to anyone and everyone who is ready to make a change with lives. Dennis and Pamela

I found 4 Pillars in a local paper

I've been dealing with my debt for years, I've turned to banks, but it just got me deeper and deeper into debt. With a continued search for help I found a 4 Pillars Consulting Group advertisement in a local paper and called for a free consultation. I talked to a friendly, sincere, honest, enthusiastic and understanding person named Robert. He is very knowledgeable about Finance! He explained to me the debt resolution options and fees fully, clearly and in a comforting manner that made me so hopeful and prompted me to request his help. Since then, he handled my case patiently and diligently, when he requested information I provided it as soon as possible. The resolution was created quickly and successfully, I was speechless the outcome (60 to 70% debt reduction) was way, way more than I expected. I am so pleased , happy, grateful and fully satisfied with the fast diligent, friendly, understanding and comforting service of 4 Pillars Consulting Group! I would highly recommend his office to family, friends, and co-workers or to anyone I know who is having a financial difficulty. My heartfelt gratitude to Robert Osborne for his kindness and support and handling my case so efficiently!

My experience with Charlie and Monique has been extremely helpful to my stressful situation. They have provided excellent guidance to seeing my way to a much better financial situation. I was and am very happy I made the call for their help. Thank you 4 Pillars!

Special thanks to 4 Pillars, for your professionalism in restructuring our debt. We highly recommend 4 Pillars to any person requiring help with any debt problem.

We are feeling so much more relieved after dealing with 4 Pillars. They exceeded our expectations and we highly recommend their services to people who are looking to get out of debt.

Without 4 Pillars, I would be on the street

Without 4 Pillars I'm sure I'd be on the street. Charlie was the friend I needed when there were no friends.

We are so pleased with our decision to contact Charlie and proceed with our consumer proposal. We are now in a position to make our monthly payments and our stress has decreased immensely. Thank you so much Charlie!

4 Pillars: Their helpfulness in our time of crisis saved us from disaster at this time in our life. Very professional and understanding is what we got so it gave us peace of mind knowing they were solving our anxiety and putting us on track again to start life!

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

Just keep up the good work. They were great H.M

I have had several clients that have worked with 4 Pillars all with exceptional results! We are very pleased to be able to refer clients to Ryan and his Team at 4 Pillars. They truly are the best option for debt relief! Danelle

We were $103,000 in debt

When we first came in to see Jane at 4pillars we were $103,000 in debt. We were unsure of how we were going to get out of it. It seemed impossible. It was taking a toll on our marriage, family and health.Going through this with Jane has been a huge weight off our shoulders and a light at the end of the tunnel.

The reason I decided to do the proposal with 4 Pillars is not so much about getting information, but to take advantage of your negotiating skills. Thank you.

After my initial assessment with 4 Pillars a huge weight was lifted from my shoulders. My stress level went down. There was a light at the end of the tunnel. They were professional and respectful and kept me well informed of what was going on. They were easy to talk to and helped me understand all of my options. I would highly recommend this company to anyone with financial issues.

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

Nothing everything was explained great. Adrian is very helpful and explains things to make sure you understand. Bob & Kathy

I went to talk to Ryan after a nasty divorce and high expenses resulting from it left me in a position of absolute turmoil!!! He was able to reduce my monthly debt payments by $1,000! Having just getting remarried, I was looking for a fresh start in life. That is exactly what I got! With the weight off my shoulders of debt from going thru a divorce, moving forward with a clean slate has improved our family life one hundred percent. Now my wife and I can raise our children not stressing about what my past circumstances had left us having to worrying about on a monthly basis. Ryan and his staff were very professional. Even with a difficult file, Ryan put forth every effort to make sure we could have the best outcome possible.

My financial heaviness in the past

Helping out family over the years had brought me to the brink of unmanageable debt. I wasn't getting ahead no matter how hard I tried. I decided to surf the web for various debt relief programs, and settled on the one that I felt the most secure about, www.4pillars.ca. It was the best decision I made. Jane's knowledge and expertise helped me find the best solution. I can truly say, that after my financial heaviness in the past, I can finally "breathe" again. Thank you Jane. P.S. This note is sincere and illustrates the depth of my feeling and represents my new found financial freedom.

We are so happy having met Charlie at 4 Pillars! He has helped us with our situation and we have no more stress and no more debt.

4 Pillars has been a great help. They helped us get our lives together and back on track again. They helped reduce our debt and put us on the path towards being financially stable. We can’t thank you enough with our words.

Sincerely,

C.K.

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

A special thank you for your care and concern and thank you for placing me on the right track for a more secure and happier future. Deb M

Every day I am so thankful that I met you

Every day I am so thankful that I met you. My husband and I were in way over our heads, drowning in a sea of debt, and it was only getting worse. We didn't know what to do anymore. I was even afraid to answer the phone. How could we let it get this bad? We couldn't sleep anymore and it was starting to affect our jobs, our relationships with our family and friends, and especially our marriage. We tried everything to get out of debt including using all our retirement savings but nothing was working. All it did was make us feel worse. We still had the debt and now we had no retirement fund. Finally, we caught a break when we met you. Right from the start, you made us feel like you were there to help. You were amazing to talk to and didn't make us feel bad for our situation. You always treated us in a caring, professional manner offering solutions, not criticism. You explained all our options and helped us choose the best solution for us and our situation, and the best part was that no matter how many questions we asked, you were always there to answer and guide us. Because of you John, I am now able to enjoy life again and my marriage is stronger than ever. I can even answer my phone again without fear of who is on the other end. My husband and I sleep so much better and have even been able to start thinking about our retirement again. You did exactly what you said you would do and for that we will always be grateful. I highly recommend your services to anyone who wants an honest, professional opinion and someone who truly cares working on this difficult situation. Thanks again for everything.

I wanted to take a moment to thank you and 4 Pillars for helping me through a very difficult time. With your expertise and compassion for my situation, we were able to achieve the best possible plan for my debt restructuring. To say that this is life altering would be an understatement.

We were able to tailor make my solution rather than ‘ box it into’ to a conventional plan that wouldn’t guarantee my personal success at all.

This experience has been a very positive one despite the circumstances and I also must thank you for doing what you said you would do. It also was incredible that I was able to reach out and contact you whenever questions would crop up.

I can now face each day knowing that everything has been taken care of and that there is a time defined ‘light at the end of the tunnel’. How comforting is that!

I would highly recommend you Scott and 4 Pillars for helping me successfully win the debt battle! It’s a battle I could never win alone….

Warmest regards and with Sincere Appreciation.

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

Nothing. Adrian and Miles were very informative, friendly and supportive. Never felt that they anything but professional. I had been dealing with Cambridge life solutions. Was paying all kinds of fees with no results. After 4 months with CLS, I was frustrated, came to four pillars and everything was concluded in 2 months. Amazing no stress.so professional.

I remember walking tearfully into your office

Dear Robert, I remember walking tearfully into your office and you offered me hope. I can't tell you how much you've changed my life - I have no more sense of dread and anxiety that had discolored my days and kept me sleepless at night prior to meeting you. You structured and presented a consumer proposal for me that gave me back a future. Thank you for being so kind and patient and guiding me through your process in obtaining debt relief for me. Whenever I called to your busy day, you made me feel that I was the only person in the world in helping me get to where I needed to be.

I feel I could not have made a better decision

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!

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

Nothing really. My only concern was the length of time the process took but there really isn’t anything I know of that could speed it up. Life happens and sometimes you need help. Thanks Adrian and Miles for helping me understand my options and for helping me get back on track. Catherine

I was 150K in debt and skeptical of 4 Pillars

Over the last few years I had managed to run up $150k in unsecured debt. Mainly credit cards and line of credit. I had approached the Banks to secure a loan to pay off the debts, but because of the high minimum payments, I was not able to qualify for the payments, which would have been less than my minimum payments each month! Because of the high balances I was carrying, the interest rates kept creeping up and it was becoming a challenge just to make the minimum payments. I was losing sleep, and it was stressful for me and my family, just trying to make ends meet. I was constantly searching the internet for solutions to my predicament when I came across John's website. I contacted John and he assured me over the phone that he could help me out. I must admit initially I was a little skeptical. I met with John and he was able to discuss various options. John seemed genuinely sympathetic to my situation. We were able to come up with a strategy whereby we would offer a settlement proposal based on what I could afford to repay, on a monthly basis over a 60 month period. The settlement was agreed to by all parties (a pleasant surprise as I was still somewhat skeptical) and now I have a fixed monthly payment repaying a portion of the total debt, interest free. Having a strategy in place, and the ability to make my monthly payments has taken a huge burden off my back, and I sincerely thank John for all his help.

Now we have our life back

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.

December 7/2009

I found Mr. Patton insightful to the emotional as well as the economic needs of people. He was very respectful and thoughtful to me. Because he is very thorough and organized, the process was understandable and went smoothly.

Sincerely,

G.K.

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

Wouldn’t change a thing We should have done this years ago, the stress it would have relieved we can see a clearer future, health problems are diminished because of no more worry, what a great feeling. Ken S

I consulted with Ryan 4 years ago it was the best thing I ever did

This was an easy process

I was blessed to work with Blair and 4Pillars! I not only cleaned up my credit in a hurry and changed the stress in my life to a new outlook but Blair taught me so much and provided support any time I was in need. I am now passing on my knowledge to others :-) - This was an easy process and anyone who is looking into their financial situation should A) not be ashamed - it's so common and B) definitely call Blair ASAP and get back on track today! Cheers Blair! Thank you ever so much and forever :)

I would like to say that from the time I phoned Scott Patton at 4 Pillars Consulting he was very thoughtful in the way he approached my financial problems.
He set up a meeting with us both as quickly as possible and pointed out to me all of what was required.

Any questions or concerns I had, Scott was very quick in answering my emails and helping me out when I really needed support.
If at any time I know of anyone who is having financial difficulties, I will not hesitate to direct them to phone Scott at 4 Pillars Consulting.

Yours truly,

Christine

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

Don’t change a thing!! Four pillars guided me to the light at the end of a very long dark tunnel. Their understanding and positive attitude was very comforting. They worked with me to come up with a solution that was best for me. I couldn’t have done this without them

Changed my life

I can not stress enough how much Blair changed my life. I was so stressed out with a little over 70 thousand dollars in debt. Through his hard work and determination he was able to cut it down to just under 8 thousand. I'll repeat that again 70 down to 8. He's the real deal. Don't wait till tomorrow call him today.

4 Pillars has helped relieve my financial stress. Scott Patton explained all of my options clearly so I could make the best choice for my needs. He has taken me through the process step by step so I did not have the stress of trying to figure out things on my own. Thank you Scott!

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

I’m very satisfied and do not see a lot of room for improvement. From the very beginning of the process to a successful resolution, Adrian and Myles made me feel comfortable and confident that I had made the right decision regarding my debt management. Bentley S

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

The service provide was beyond my expectations. I’ve had a problem managing my debt for many years as I was getting closer to my retirement, I knew I had to do something. After hearing about 4 pillars from a friend, I decided to give them a call and go for a free consultation. From that first day I knew this was for me. Everything was explained in detail and was given my options. I felt like I was talking to an old friend. Thanks to 4 pillars, the creditors are off my back and have started to rebuild my credit. Bryce F

4 Pillars has been a godsend to us. The creditors are no longer on our backs and we can answer the phone and breathe again. The process was easy and quick and the staff was friendly and understanding.

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

(NOT A THING) you both were very friendly. Enjoyed meeting you both At 4 pillars you did amazing job, made me feel at ease, would recommend you to anyone who need help. Amazing job well done Sincerely S.F.H

To whom it may concern:

I would just like to say a few words about my experience with 4 Pillars Consulting Group. My consultant, Scott Patton, has been a great help. Upon my first visit I felt very relieved after talking with him about my situation. I was under a lot of stress because of my lack of discipline financially. I have just gone through a separation and needed to start over again.

Scott explained all of the processes very clearly and in a simple format that made it easy to understand. He broke down all I needed to present to him. I am hoping that this will allow me to get a grasp on my life again and to turn things around in a positive nature.

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

Not a thing, everything was handled well. We are very happy with the services that 4 pillars provided. Helped us see the light at the end of tunnel.

Scott, thanks for treating me with respect throughout this whole ordeal. You saved me a great deal of money and I could keep my house! Wow!
I am sleeping much better. Thanks again.

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

I can’t think of anything. I was 100% satisfied how everything was handled. After years of struggling and fighting with my ****loans, 4 pillars took away a huge amount of stress by making a plan that worked for us. I no longer worry or stress over the debt I had. I am 100% satisfied and recommend them. Marty G

Without this help I would still be in loads of debt and under a lot of stress

My experience with Blair was great. He was extremely easy to work with and eased all my concerns during the process. This experience has changed my life as I was buried in debt and had no idea how I would ever get out of it. Within a short 4 months I was able to become completely debt free by settling with a lump sum settlement. I went from $21,000 in debt to settling it for only $6,500! I will never forget that day as I felt like a huge weight had been lifted off me! Today I am happy to say that I am not only still debt free, but I have learned how to manage money and save. I have been rebuilding my credit over the last year and a half and will be looking to buy my first home soon. I feel so thankful for Blair's help along this journey and don't know where I would be today financially if it weren't for him.

July 2009,

I came to Scott at 4 Pillars stressed from my debt load, being harassed daily by phone calls from creditors who yelled at me, degraded me, and did not offer any help.
Scott reduced my debt load, set up an easier payback schedule, arranged for me to receive some budget and finance counselling, and made the light at the end of the tunnel visible and achievable.
It was nice not to be yelled at or belittled. Thank you so much for your assistance!

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

Nothing The two professional advisors provided us with a “way out of a dark tunnel” which has allowed us to financially get “back on track”-thank you.

Working in the financial lending world, I have had the opportunity to work with 4 Pillars offices across Canada including the Sudbury office. I have nothing but great things to say. Don't be fooled by other companies.This company is very unique and has the ability to help people get out of debt, unlike any other company in Canada. To top it off, they treat their clients with compassion and understanding. In my professional opinion, 4 Pillars is Number 1 for those looking to become debt free.

After speaking with a 4 Pillars representative for just 20 minutes, I felt a great weight being lifted off my shoulders. Just knowing that I had options helped me feel more optimistic about my financial future!

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

Service is excellent + no improvement required. 4 pillars consulting group (Miles and Adrian) provided excellent advice regarding restructuring of our financial situation giving us stress and emotional******and helped get our life in order. I.N

ARE YOU IN DEBT? Be honest with yourself... Debt can and will kill your life with a future of 'no way out'... You do not have to go down that road.. I've had my fair share of debt and its not a good feeling. Because I am involved with a lot of people daily I see and hear the stories of many people who are in so much debt and cannot get ahead. PLEASE GO AND TALK WITH 4 PILLARS CONSULTING - IT WILL CHANGE YOUR LIFE! Anybody that I have referred to 4 Pillars has always come back extremely happy with the results that changed their lives! I have found that Ryan Brown and 4 Pillars service cannot be matched, they are professional, discrete and compassionate - they understand. They are NOT trustees in bankruptcy and because of this, they are able to take a position alongside the client, finding a solution to the debt that is in the best interest of the client. If you, your family or friends are looking for HONEST options to help solve debt, you absolutely need to call 4 Pillars as there is nobody in Canada that has the ability to help people get debt free and back on track like they can. PLEASE take this seriously.... Call... you won't believe how easy you can be set free to have your life back again!