There is a way out.
Find a debt solution that works for you.
We help to reduce your debt by up to 80% and get you back on track. Up to 97% of families successfully complete the plans we create and become debt free.
We help to reduce your debt by up to 80% and get you back on track. Up to 97% of families successfully complete the plans we create and become debt free.
Get started with a
free debt consultation
Being in a consumer proposal, a lot of the weight has been lifted off our shoulders. Sue has been awesome to deal with.
We found Sue Grubac to be very professional and efficient in our recent dealings with her. We would recommend her to anyone that is having financial problems in today's economy. We only wish that we had heard about her and 4 Pillars sooner, as a great weight has been lifted off our shoulders. We are starting to live again.
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!
4Pillars helped us gain control of our spending and debt, but giving us tools for budgeting, saving, rebuilding credit and helping as build skills to save and secure our financial future.
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.
4 Pillars has friendly and easy going staff. Help me from having to deal with creditors phone calls.
We came in with no expectations since our situation seem so dismal, there seemed like there was no end in sight. Then Sue, so exceptionally friendly, made the whole process look and seem so attainable which it was giving us hope for a better future. Even now, months later, everything feels and looks better and will continue so with the new skills we will take with us.
You have made my life so much easier thank you again.
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.
I cannot begin to express how wonderful Sue Grubac of 4 Pillars has been in walking me through the process of putting my life back on track financially. The situation in which I found myself was stressful and overwhelming but Sue was patient, courteous, respectful and compassionate and, thanks to her diligence, I am on my way to a brighter future. I sincerely recommend 4 Pillars for a 'Fresh Start'
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.
I was both a financial and emotional mess. I was going through a nasty divorce and left to care for my children on limited means. My health is getting worse by stress and growing dance and credit company harassment I wasn't performing in my job. I felt like I was a failure. A friend of mine told me about 4Pillars I was reluctant at first as I was embarrassed of my situation. When I finally met with Sue, I broke down. Sue was amazing. She quietly listened and gave me sound clear instruction. Throughout the process, I was comfortable and confident. 4Pillars staff was excellent with helping me on board. I now recommend family and friends that speak of their personal struggles to go talk to Sue at 4Pillars. Because there is a solution and clear plan to rebuild your life.
I had very little knowledge prior to my appointments at 4Pillars and Sue took the time and extra effort to help me, explain in detail and make sure I was on track for the future. I am so very thankful.
I am very grateful that I am a client of Sue Grubac's and all she has done for me 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.
Although I still feel a lot of shame as to the mess I got myself into, 4Pillars has in many ways giving me my life back.
Sue has been great she has explained and has given very clear suggestions and direction. I have come so far with the help and support from Sue at 4Pillars. Thank you!
Dear Sue for all your many kindnesses, and your helpful spirit thank you.
My husband and I were drowning in debt, unable to keep up with our monthly payments due to some unfortunate circumstances. Sue from 4Pillars helped us tremendously and we can now focus on saving for a down payment on a house. It's also a real eye-opener on where all our dollars we're going each month.
I was so in debt and confused about my money, I had no idea how to handle my dad and my overused income. I came to sue a terrible mess and she explained options and answered all my questions and gave me such a better understanding of money.
It feels great not to have creditors on my a$$ daily!! Small steps to where I want to be in life, debt free and more!! Thank You for making all of this possible. I'll be forever grateful for all you've done.
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.
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!
I was hesitant at first, I owed around $30,000 or more. I am so thankful that I went with 4Pillars. Myself and FAMILY are so relieved our debt is so much easier to handle. 4Pillars, can be trusted. I will be debt-free in four or five years. Words can't explain the gratitude I feel. Thank you Sue.
Explained where my debt was accruing, helped break down simple solutions, and long-term goals for our family. Very approachable.
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…
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've been coming to 4Pillars for a few months and the restructuring of my debt has left me feeling free and motivated to lead a more successful life. Before coming in I was overwhelmed and felt isolated. Being taught the tools to be aware of where my money is going is an amazing feeling!
To whom it may concern we found Sue Grubac to be very professional and efficient in our recent dealings with her. We would recommend her to anyone that is having financial problems in today's economy. We only wish that we had heard about her and 4Pillars sooner as a great weight has been lifted off our shoulders. We are starting to live again.
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.
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!
After many years in business I realized I was slowly sucking up equity to pay bills and then the debt started to incur. I thought my business was recession proof but it became 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 4pillars 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 debt. 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 ten's of thousands of dollars and the phone calls and letters stopped. I was worried my name would be smeared and I would be a cast out, 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 debt free for 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!
We feel that we were treated with respect and dignity. We felt very educated in the sense of where our financial problems came from and how to resolve them.
With Sue I felt as though my concerns were heard and addressed. I was always treated with respect and dignity. I have shared this service with friends.
I got myself into debt I could not get out of by myself. Sue at 4Pillars has helped me in so many ways. I cannot thank her enough. I'm excited to know how not to fall it to debt again and to be able to start over.
You'll be very relieved once you seek help, understanding your financial situation and the plan is in place.
Before I saw the 4 Pillars advert on Facebook I was considering settling my debt. Since meeting Sue i have felt very awesome about my choice to go forward using 4 Pillars to help me understand my choices and put together a debt restructuring.
There's a light at the end of the tunnel! There's actually some hope. Opened our eyes.
All services and help exceeded our expectations.
I came to see Sue at 4Pillars. I was having creditors harass me on a daily basis. I was stressed to the max. After seeing Sue the phone calls stopped and progress was made. Now I'm in great financial standing. Thank you so much.
In a very short time I have obtained and extensively less stress level and my quality of life is continuously improving.
Sue has been very understanding and helpful. I learned so much about that and Credit that I never knew before.
Just when I thought I would drown forever in my black hole of financial dude, sue from 4Pillars 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 first time in years I feel like there's a light at the end of my tunnel and I can once I can attain my goals and dreams. I give Sue Grubac my highest recommendation. Her soft manner will immediately have you feeling comfortable she is in between yourself and the bankruptcy officials and will act 100% on your behalf to find the best solution for you.
I was near exploding, emotionally when I called 4Pillars. A friend suggested 4Pillars when I asked her about bankruptcy. Upon calling 4Pillars and having my first consultation, I felt like I could breathe for the first time in a very long time. Once I gathered the required documents for the proposal I was relieved and surprised at how easy, have staff treated me with non-judgmental attitudes, and really cared about me and my situation. I think the universe for connecting me with 4Pillars!
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 didn't quite know whether this was the route I want to go at first, but Sue was very knowledgeable and very helpful, and I was surprised that Tina was the same, it was like working with two friends and it was nice to share a few jokes along the way.
We are finally feeling the relief of working with a budget. We feel like things are starting to turn around and we have a handle on our lives again. A big thanks to you. Thank you!
I can't think of anything, service you provide is great very professional and polite.
Sue was very helpful in explaining everything thank you
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.
We came to 4pillars with over $130k debt to CRA. 4Pillars helped us gain control of our spending and debt Sue gave us tools for budgeting, saving, rebuilding credit and helped us build skills to save and secure for our financial future.
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
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 was so in debt and confused about money. I had no idea how to handle my debt and my lowered income. I came to Sue a total mess and she explained options and answered all my questions and gave me such a better understanding of money!!
Hi Sue There are not enough words to describe how grateful I am for the guidance you have shown me through my difficult financial times. I realized that I did not have the ability to fix my debt and when I reached out to you for help you were able to give me guidance and discipline. I must admit, that I felt in a way that I might be scolded, yet you were the complete opposite of that and made me feel positive throughout the entire process. There is no doubt that you are brilliant at your job, but most important you care about your clients. For this I am forever in your “debt” :) Thank you and God Bless
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!
4 Pillars help us so much to be out from debt. At last we can sleep and feel comfortable and not worry too much on how to pay our debts.
I had very little knowledge about my options prior to my appointment at 4Pillars and Sue took the time and extra effort to help me. She explained in detail to make sure I was on track for the future. I am so very thankful.
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.
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.
Clear and precise explanation of what needs to be done to repair my credit.
I've been coming to 4Pillars for a few months and the restructuring of my credit has left me feeling free and motivated to lead A more successful life. Before coming in I was overwhelmed and felt isolated. Being taught the tools to be aware of where my money is going is an amazing feeling!
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.
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.
I called in practically in tears, frustrated life circumstances have caused me to fall behind after a divorce. I owed $36,500, with no savings. I tell a friend to call. They will organize your debt, help put goals in place, this is what 4Pillars and Sue showed me.
Debt started to go down, thank you!
"The stress and worries are over. We are living again."
Actual client testimonial. Name removed to protect privacy.
