I just wanted to thank you for all your hard work and help. I have felt like a great burden had been lifted from my shoulders and heart. I smile and laugh more freely I am enjoying life with my family . I will recommend 4Pillars to anyone that I know who needs help.

Dave - Mississauga, ON

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.

John C. - Mississauga, ON

Morning Jen! You guys are awesome! Ever since I called the first time to make an appointment, I have felt like you really care about the people you help. John is a absolute champion! The confidence he has given me throughout the process has been great. The service that you guys provide to help people in difficult situations in second to none. I know that without your help and guidance I would be in a pretty bad situation. I will and have recommended 4 Pillars and John in particular to friends and family and will continue to. I appreciate everything you have done for me and my family's future. Sincerely, JT

JT - Mississauga, ON

My husband lost his job from oil and gas company in Oct 2014 until present. I was pregnant with our first child and had difficulties in pregnancy, the reason why I worked as casual. I have no EI as well as my husband (he worked Contractual). It's been a tough time for us waking up everyday and worrying how to pay our mortgage, car loan, credit card and CRA. Until one time my friend recommended 4Pillars and also it appeared on my FB. Until June 2015 we set an appointment. The staff are very accommodating. You will not feel offended by them in how they handle to answer all the sensitive questions, especially me with postpartum. After all the meetings we finally get approved. My husband is paying $250 a month and me $80 a month for 5 years with no interest. What a relief for my family and a brand new start with our little one. 4Pillars changed our life. Thank you Anna, Hannah, Jen and John for helping my family.

Anonymous - Mississauga, ON

Really appreciated your great team to reduce my debt . Thanks you so much for your kindness and helping me . God bless you all ! Again thank you

Anonymous - Mississauga, ON

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.

Andrew D. - Mississauga, ON

I cannot thank you enough for helping me, Sonia!

Anonymous - Mississaugav, ON

After seeing an online ad for 4 Pillars Consulting Group and having read their clients’ positive testimonials, I decided to call them. I knew that I desperately needed help with my financial nightmare, and I tried other avenues that didn’t help, so I thought I’d at least call them. It was a fantastic decision. I spoke with Sonia Oliveira on the telephone, and she invited me to come to her office for a consultation. I did go, and found Sonia to be very helpful, with a friendly and professional approach. I came to Sonia after having spent the last couple of years trying to fix my personal and business debt loads on my own, without having any success at all. My debts were spiralling out of control, and interest charges plus persistent calls, texts, and letters from my creditors were making my life very tough. I actually did seek professional advice from four previous sources, but only one was partway able to help me, and yet they were not very easy to work with or to reach. Still, I would’ve used them, because they were the best I’d come across thus far, that is, until I found Sonia. Sonia was different, because she treated me like a client who was also a person. She treated me like a priority. I felt very poorly about myself due to my situation. I was stressed and intimidated by my creditors, and I was living with the stigma of carrying a high debt load. Sonia nicely yet firmly told me on a couple of occasions to relax, because I had given control of my situation to her, and that she would help. She understood what this was doing to me, and she effectively helped me. She made me realize that my debt wasn’t what identified me as a person, and she also helped me with my finances. Sonia has integrity, and even though she is busy helping other clients, she still finds time to return e-mails and telephone calls in a timely manner, which my other prospective organization wasn’t always able to do. Sonia works with me and for me, so I finally listened to her advice to stop negotiating with my creditors, and to let her handle them for me. Her advice worked. Sonia worked hard to negotiate a workable solution to my financial predicament, and she is still there for me to offer further financial guidance as I need it. I am not just released from the stress of debt, but I am continuously learning, through 4 Pillars, to recognize the patterns that drove me to this situation, and to prevent the same thing from happening to me again. As I write this testimonial, I feel like I am one of the many 4 Pillars success stories that I originally read about. I thought I’d be able to fix my problem, but I couldn’t do so without Sonia’s professional help. Thank you Sonia and 4 Pillars for treating my financial situation with respect. Thank you Sonia for convincing me to stop stressing about my creditors, and to let you handle everything on my behalf. You do so very well. I definitely recommend you Sonia to anyone needing a financial life revival. Ivonne from Mississauga

Anonymous - Mississauga, ON

Before I returned back to 4 Pillars after my first contact with them about 2 years ago, I tried other companies for help, only to end up where I was without any changes but rather lost more money and with a lots of headaches and anxieties about all my unsecured loans. I later remember my first contact with John & Jennifer, their warm & cordial reception, that actually made me to return back to 4 Pillars, I am so glad I did because all my unsecured loan was significantly reduced!

Michael O. - Mississauga, ON

I was really worried and stress how to cope up my bills payments. Until I got an email from 4 Pillars which I did not hesitate to book an appointment right away. When I arrived at the office I was greeted with a warm welcome in our dialect with Jennifer so I felt at ease and comfortable. And all of them are approachable with a smiling faces. Now my proposal was approved I'm happy and have peace of mind. No more worries and stress free. So I'm very grateful and very thankful for the great help solving my financial problems. Words can't even express my feelings. And I can save now for my holidays next year visiting my families. Thanks again to Jennifer, Anna and all staff at 4 Pillars.

Rita - Mississauga, ON

Dear sonia, Thank you for everything. May God bless you and the rest of 4 Pillars as a team. Hoping you can help more people in their struggle with their debt We loved the experience and financial relief!

Anonymous - Mississauga, ON

Although I believe deep in my heart that Jennifer and John deserve more credit than I can ever express, I have struggled with putting my gratitude to them in words as I cannot find the words that could ever convey the magnitude of how they affected our lives. In the year 2010 my husband and I both lost our jobs and our family income went from $180,000 to under $45,000. We were not alone in this situation as thousands of individuals were in the same predicament during that year and the following year. As much as we struggled to find employment and were sending out resumes daily, being in our 50's was making our hopes of succeeding very dismal. We continued as best we could to make monthly payments on our loan and 3 credit cards; however we were never able to make the minimum required by the financial institutions while still maintaining the basic household expenses. Phone calls from the bank were coming every hour every day. They were rude, judgmental and threatening, with not any indication of understanding for our situation or desire to work with us until we could find employment. We met with 3 organizations seeking help and in all 3 instances we were told that we did not qualify for bankruptcy and there was nothing they could do to help us. At this time our spirits were rock bottom and we did not know where to turn. Early in 2011, I lost my last living grandparent. A month later I lost my sister from a suicide and brought my mother from her seniors lodge to live with us so I could care for her while she grieved. The following month I was rear ended at a red light and spent the next 6 months having physiotherapy 3 times per week. All of this made the possibility of accepting an offer of employment very difficult. Shortly after this, I saw an ad for 4 Pillars online. We booked an appointment with John right away, and from the moment I walked into their office, I was overwhelmed with the positive energy, understanding and emotional support. Not only did they help us with our financial problems, but their positive demeanour has helped me realize that life will give us setbacks when we least expect it and giving up is not an option. My mother stayed with us for six months and after she went back to the lodge I was finally able to grieve myself. Two months after my mother moved out, we lost our 30 year old nephew in a car accident. I have thanked God every day since then, for bringing Jennifer and John into our lives. Just by being who they are, they gave me the strength and optimism to recover from everything that happened in my life during that time. We continue working with Jennifer and John three years later and I look forward to every meeting. There are no words that can ever express to them how much they have impacted my life since meeting them, so much more than just our financial problems.

Shirley - Mississauga, ON

Dear Jennifer and John, My husband and I wish to thank you, for providing a workable plan to lift this tremendous financial burden off our shoulders. Disaster struck when our retirement funds disappeared at the same time our business services became obsolete, effectively putting us out of business. Being in our seventies time was not on our side and having been put out of business sealed our fate. We had no way to recover. Worry, anxiety, and despair took it's toll. The only option, or so we were lead to believe, was to declare bankruptcy. That was not an option we wanted to pursue, and as it turned out we couldn't. 2013 and the following six months were very depressing. Despair had taken a firm hold on both of us, that's when the health issues became a concern. A dear friend suggested that 4 Pillars, perhaps, could help us with our financial situation. I must say we, no I, was very skeptical, having been conditioned to believe it was hopeless! None the less we made an appointment with John Croft at 4 Pillars at the end of August. John was very thorough, understanding and appreciative of our situation and presented us with a plan to resolve the problem. I was so fearful that I still wasn't convinced! But when we could no longer meet our financial obligations, I relented and we decided to take John up on his offer to help us. It was about 2 weeks after John made the offer to our creditors that I noticed that I was actually relaxed… inside! I was calm and at ease! Amazing! BONUS: This week my Dr. told me my blood pressure is back to normal, after over two years of being out of control! We cannot thank you enough John, for providing the light at the end of a very long, dark and frightening tunnel.

Marilynn - Mississauga, ON

I am so thankful to God that I met 4 Pillars. For using you as an instrument to resolve my financial heaviness in the past. Because of you John, Jennifer and Sonia, the staff behind 4 Pillars, thank you! I am now able to move forward, on the road to recovery. My heavy burden is now lighter and the stress relief. I can go back to enjoying making my life a much better place. Thank you again so much for everything!!!You helped me reduce my debt and achieve my financial goals. May God bless you more than you planted. all the best---Stella

Stella - Mississauga, ON

I struggled with my debt for a number of years. Never able to come to grips with the fact that there was a problem... culminating after a failed marriage, spiralling further into Credit Cards and Personal Lines of Credit. Almost $40,000 in the red. The lies damaged friendships and other relationships. Not paying back what I was spending and telling myself that it would work out, I'm working and theres always a paycheque. Finally when I wasn't able to sleep at nights, searching the internet for the bad credit loans, I knew I had bad credit, I found 4 Pillars Calgary.I didn't call right away though, again thinking I could manage. Finally, when the lack of sleep and the cloud of depression started to catch up I made the call. I can honestly say, it was THE BEST phone call of my life! Made the appointment, spent half an hour speaking with John and felt the weight of the world lift of my shoulders. The proposal and payment plan fit into my budget. The stress and fear of losing everything has now been removed. My life is complete again and I have been able to design a budget plan that is easy to follow and has provded me with a little bit of a savings account. Thank you John and Jennifer! 4 Pillars has helped me turn my life around!

RSK - Mississauga, ON

Dear Jennifer, I was at my wits end when I saw your advertisement and it has been all plain sailing since. I was in debt for $61627.00 and you reduced my debt to $13,200. Thank you from the bottom of my heart. You have been my financial salvation! God bless you

Gibbons - Mississauga, ON

Thank You for helping people get out of debt, like me.GOD BLESS 4PILLARS

Anonymous - Mississauga, ON

After seeing an online ad for 4 Pillars Consulting Group and having read their clients' positive testimonials, I decided to call them. I knew that I desperately needed help with my financial nightmare, and I tried other avenues that didn't help, so I thought I'd at least call them. It was a fantastic decision. I spoke with Sonia Oliviera on the telephone, and she invited me to come to her office for a consultation. I did go, and found Sonia to be very helpful, with a friendly and professional approach. I came to Sonia after having spent the last couple of years trying to fix my personal and business debt loads on my own, without having any success at all. My debts were spiralling out of control, and interest charges plus persistent calls, texts, and letters from my creditors were making my life very tough. I actually did seek professional advice from four previous sources, but only one was partway able to help me, and yet they were not very easy to work with or to reach. Still, I would've used them, because they were the best I'd come across thus far, that is, until I found Sonia. Sonia was different, because she treated me like a client who was also a person. She treated me like a priority. I felt very poorly about myself due to my situation. I was stressed and intimidated by my creditors, and I was living with the stigma of carrying a high debt load. Sonia nicely yet firmly told me on a couple of occasions to relax, because I had given control of my situation to her, and that she would help. She understood what this was doing to me, and she effectively helped me. She made me realize that my debt wasn’t what identified me as a person, and she also helped me with my finances. Sonia has integrity, and even though she is busy helping other clients, she still finds time to return e-mails and telephone calls in a timely manner, which my other prospective organization wasn't always able to do. Sonia works with me and for me, so I finally listened to her advice to stop negotiating with my creditors, and to let her handle them for me. Her advice worked. Sonia worked hard to negotiate a workable solution to my financial predicament, and she is still there for me to offer further financial guidance as I need it. I am not just released from the stress of debt, but I am continuously learning, through 4 Pillars, to recognize the patterns that drove me to this situation, and to prevent the same thing from happening to me again. As I write this testimonial, I feel like I am one of the many 4 Pillars success stories that I originally read about. I thought I'd be able to fix my problem, but I couldn't do so without Sonia's professional help. Thank you Sonia and 4 Pillars for treating my financial situation with respect. Thank you Sonia for convincing me to stop stressing about my creditors, and to let you handle everything on my behalf. You do so very well. I definitely recommend you Sonia to anyone needing a financial life revival.

Ivonne - Mississauga, ON

More people need to not only have the pleasure of meeting you all but if they need help in resolving their financial "messes" they should most definitely come and see you. You all work wonders and do your magic to help so many. Keep up the amazing work.

Anonymous - Mississauga, ON