4 Pillars Reviews 3,660

TrustScore 5 out of 5

4.9

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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers consistently praise the staff for their professionalism, kindness, and genuine care, highlighting their ability to provide clear guidance and support through stressful financial situations. Many people appreciate the exceptional customer service, noting that the team is always available, patient, and makes them feel heard and understood. The service provided is frequently described as excellent, with consumers emphasizing the efficiency and ease of the overall process, leading to a sense of relief and a clear path to financial freedom. However, some customers experienced significant difficulties with communication, reporting struggles to get in touch with assigned representatives and unanswered inquiries. A few people also mentioned issues with scheduled meetings being missed without notice or follow-up, and a perceived lack of aftercare or issues with promised post-help services.

What people talk about most

Staff

Users describe positive interactions with staff, highlighting their professionalism, helpfulness, and... See more

Customer service

Customers consistently note positive experiences with customer service, highlighting that representatives... See more

Service

Customers had positive experiences with service. Many reviewers highlighted the professionalism, speed, and... See more

User experience

People report positive experiences with the user experience. Many customers describe the process as easy,... See more

Customer communications

Clients share ambiguous opinions on contact. Many reviewers report significant struggles getting in touch... See more

Based on these reviews

Rated 5 out of 5 stars

Working with Rob has truly changed the trajectory of my life. They genuinely care about their clients and take the time to understand each person’s situation. Their help with money management gave me... See more

Rated 5 out of 5 stars

You hear the stories but who can believe the hype? Referred to 4 pillars by a financial consultant to clear up an old debt that had been haunting me .. 4 pillars, and specifically Kristin Tanner w... See more

Rated 5 out of 5 stars

First of all my experiences within this company excellent service Reason why, where,when,how not the matter Questions? Myself recommended there the best place to get your Debit free & you fee... See more

Rated 5 out of 5 stars

Zach and his team have been amazing from day one. It is never easy dealing with this type of stress, and Zach has been extremely helpful during the entire process. They offer assistance for life! I... See more

Company replied

Rated 5 out of 5 stars

Kristen was really phenomenal. She is kind and patient and supported me through a process that was scary and provoked a lot of anxiety for me. She was also very available when I needed her, even for q... See more

Company replied

Rated 5 out of 5 stars

It was a bit of a journey but I'm so happy for everything to have worked out as well as working with a wonderful team. Especially Kristen who from day 1 was understanding, patient and an incredible in... See more

Rated 5 out of 5 stars

Abdul Kavi was and still is a godsend, i told him today that i can finally see a light, having dept on disability is just devastating! By next month ill be able to sleep, but more importantly ill be a... See more

Rated 5 out of 5 stars

I had an amazing experience with 4 Pillars! From the very beginning, they treated me with respect and guided me step by step through a very stressful time. Thanks to their expertise and support, I... See more

Rated 5 out of 5 stars

I am so grateful to 4 pillars for reaching out on me, and specially Abdul Kavi for helping me understand about consumer proposal, and how it works. He stayed in me at every stage of the process, unti... See more

Company replied

Rated 5 out of 5 stars

I was so stressed and overwhelmed with my financial situation, but the team at 4 Pillars truly helped me turn things around. From the very first conversation, they treated me with kindness, unders... See more

Rated 5 out of 5 stars

I can't thank Abdul enough for the help he gave me. As a Canadian citizen struggling with unmanageable debt, I felt overwhelmed and unsure of where to turn. From the very first conversation, Abdul... See more

Rated 5 out of 5 stars

I am grateful to the individual who referred me to 4 Pillars to get help with debt that was driving me crazy. These guys are meticulous, and they know their trade. I feel at home when dealing with t... See more

Rated 5 out of 5 stars

The information, communication, and overall help provided has been exceptional. Kristen made me feel confident in myself and my finances again, while being incredibly supportive along the way. I would... See more

Rated 5 out of 5 stars

Zach and team have been amazing and understanding of my difficult financial situation throughout the whole process. They pretty much saved my life and my daughter’s future. Thanks for all the hard wor... See more

Rated 5 out of 5 stars

Thank you so much Zach and team for your fast and attentive service. You stood us the whole way. We had almost given up, but your help with our consumer proposal lifted a huge burden. We will never fo... See more

Company replied

Rated 5 out of 5 stars

Zach is the best! He helped me out so much in doing a consumer proposal. With it I've been able to get out of paying huge amounts of interest and going to start my life over after consolidating my deb... See more

Rated 5 out of 5 stars

Going into debt was putting a lot of stress in my life. Going to this company and asking for help was the biggest relief I could have given myself. Zach was such a great help—he guided me through ever... See more

Rated 5 out of 5 stars

Robert was absolutely amazing! He was patient, kind, and helped me regain my confidence in getting my life and finances back on track. He takes the time to explain everything thoroughly and always res... See more

Rated 5 out of 5 stars

I am grateful to the company, 4pillars for reaching out and to Abdul for his clear and thorough explanation of the consumer proposal and how it works. The process was smooth and fast, and Abdul stayed... See more

Rated 4 out of 5 stars

They help me by explaining all possible saltion and what is the best to my situation every thing was clear I contact 3 company but they was not clear as this company in every single detail v... See more

Rated 5 out of 5 stars

I had a very positive experience with Abdul. Though I was very skeptical at first, everything turned out great. He was very helpful and professional. I'd gladly recommend using this service, now that... See more

Rated 5 out of 5 stars

Abdul Kavi was heaven sent. He was very clear and knowledgeable with the millions of questions I had for him. Abdul thank you so much for your call and assisting me with taking much needed steps to fi... See more

Rated 5 out of 5 stars

4Pillars was referred to me by a colleague. They are different from other companies in that they focussed on what I needed and how best to get an outcome that was beneficial to me. I was so impressed... See more

Rated 5 out of 5 stars

This is NOT a scam! I thought it might be because their ad was on Facebook but decided to sign up and do my research, then once I talked to Steve from the London office (who took a lot of time to go t... See more

Rated 5 out of 5 stars

Working with Zach and his team has been an incredibly positive and empowering experience. From day one, they’ve offered clear guidance, thoughtful advice, and unwavering support. Their professionali... See more

Rated 5 out of 5 stars

Honestly, I felt like I was drowning in payments initially. I heard of them from the radio and decided im going to check them out. I was treading lightly because I also knew this could be a scam so I... See more

Rated 5 out of 5 stars

I want to start by saying thank you to 4 Pillars for helping me through a rough time off my life and getting me back on track with my finances. They were every supportive in guiding me every step of... See more

Rated 5 out of 5 stars

If I had 100 stars to give I would. I just want to give the BIGGEST THANK youuuuu to 4Pillars. Thank you ABDUL for helping me to have a fresh start and the best Christmas everrrr…. My heart is filled... See more

Rated 5 out of 5 stars

Abdul Kavi Was amazing and helped me out more than I could have even asked. Was during the holiday season so my life was super busy and Abdul made sure to make everything work in my schedule. Can not... See more

Company replied

Rated 5 out of 5 stars

So happy I came across this consumer type proposal program , got awesome advice and everything was super easy and straight forward. Big thankyou to Abdul for being so helpful and kind.

Rated 5 out of 5 stars

Thank you Zach, and the team at 4pillars, for your support. I was very overwhelmed but by your helped and the team I was able to go through all of this properly and securely that I will achieve the ri... See more

Rated 5 out of 5 stars

Zach and his team are amazing I felt such relief from my first consultation they are very caring and professional I highly recommend 4 Pillars. I can finally breathe again with my debt lowered to mo... See more

Rated 5 out of 5 stars

what made my experience great was his ability to combine expert financial knowledge with genuine care and understanding. Robert Glenn explained every step of my debt proposal in clear terms, made me f... See more

Rated 5 out of 5 stars

Saying Thank you is not enough! Zach Brull is heaven sent 🙏.He is very nice and with great expertise at what he is doing. The whole team are very nice and responsive. Very professional. Thank you... See more

Rated 5 out of 5 stars

Its good company. I talk to Abdul Kavi. He was polite with sound Indian voice. He was patient with me not pushing to hurry like others. we communicated with phone call and e-mails. I recomend him.

Rated 5 out of 5 stars

4pillars is simply the best! Very professional and supportive in every way...I am super grateful! Thank you 4pillars, Zach, Steve and Diamond was so helpful! Highly recommended!

Rated 5 out of 5 stars

I had been struggling with debt for a while and wasn’t sure where to turn, but then I found 4Pillars Consulting, and I’m so glad I did. From the very beginning, Abdul Kavi was incredibly kind, patie... See more

Rated 5 out of 5 stars

I had an excellent experience working with Zack and his company. Zack was extremely helpful, professional, and knowledgeable. He guided me through every step of the process and helped me achieve great... See more

Rated 1 out of 5 stars

Scam, beware! They take your money and do nothing for you. Go straight to the Trustee. Stay away!!! They also hide their google reviews to make it seem like they have great reviews but truth is they... See more

Company replied

Rated 5 out of 5 stars

Abdul and all of the people I dealt with were wonderful and helpful. The process was thoughtful, quick and discreet, which was great. I would definitely recommend this company to help anyone with a co... See more

Rated 5 out of 5 stars

When I first reached out to this company, I was concerned that I would not meet any of the criteria and I was concerned that I would have to go bankrupt. Robert showed me a better way to get myself ou... See more

Rated 5 out of 5 stars

I get experience great this company doing well Remember to be honest, helpful, and constructive and help me about my all data Thank you Aftab Siddiqui for your help

Company replied

Rated 5 out of 5 stars

I love the way they treat their clients. Very respectful. Zach is very knowledgeable on what he does. I highly recommend 4PILLARS to anyone needing consolidation.

Rated 5 out of 5 stars

My experience with Abdul was outstanding. He was incredibly knowledgeable, patient, and supportive throughout the entire process of my consumer proposal. Abdul took the time to explain everything cle... See more

Rated 5 out of 5 stars

Hi from day 1 I was introduced to 4Pillars/Zach to be specific, you guys have been amazing in assisting me to go through this. I was so blind with this thing in my 14 years of stay here in Canada. Y... See more

Rated 5 out of 5 stars

I'm writing this review in the hopes that anyone feeling overwhelmed by debt will read it and take the first step and contact 4 Pillars.Before I connected with Zack, I was drowning. I had credit ca... See more

Rated 5 out of 5 stars

Zach was so patient and explained every step clearly and guided me on how to proceed with my consumer proposal file and he always followed up on the process to be sure that everything was going smooth... See more

Rated 5 out of 5 stars

Great Services, they help you with every solution you need. Zach brull is an amazing guy, he will answer all the questions you need to know and guide you step by step. I will recommend to any of my... See more

Company replied

Rated 5 out of 5 stars

Amazing people and service! What a great help for my financial needs and ideas for financial stability. Thank you so much for your generous help!

Rated 1 out of 5 stars

I signed the agreement on Nov 4, 2025. Its been over 4 months and not a single word from them. I have tried contacting them (Lethbridge, where I dealt with everything) for 3+ weeks now, and its like t... See more

Company replied

Rated 2 out of 5 stars

I’ve held off on writing this review for a number of months, as I was hoping to feel improvement but I’m now confident in my ratings. Wanted to give it 3 stars, but I feel compelled... See more

Company replied


Company details

  1. Non-Bank Financial Service
  2. Credit Counseling Service
  3. Debt Relief Service
  4. Financial Consultant
  5. Insolvency Service

About 4 Pillars

Written by the company

Since 2002, 4 Pillars has been educating and advocating for consumers to help them resolve financial crisis and rebuild their financial future. 4 Pillars have helped consumers to find solutions to successfully resolve of billions of dollars of unmanageable debt for over 50,000 consumers across Canada.

On average, our consumers have been able to find solutions to eliminate 80 percent of their debt. With 4 Pillars, we review and educate consumers on all the options available to deal with debt and remove financial stress and provide programs to improve their credit worthiness.

4 Pillars advocates for the debtor—not the creditor. We're one of the only companies in the industry with this approach to educate debtors on all options to resolving financial crisis so they can make informed decision. Our services focus on providing programs and support to put debtors back on track and recover from financial challenges, help them rebuild their credit, and give them the tools to effectively manage their finances.

With Trustpilot, you can read independent reviews of 4 Pillars. Every review is verified by Trustpilot, ensuring all reviews are genuine and accurate. If you're interested in 4 Pillars, we have offices coast to coast all across Canada. www.4pillars.ca/locations


Contact info

4.9

Excellent

TrustScore 5 out of 5

4K reviews

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Replied to 80% of negative reviews

Typically replies within 2 weeks

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Rated 5 out of 5 stars

From Overwhelmed to Confident – Thank You, 4Pillars

I had a very positive experience with 4Pillars, and I want to especially thank Abdul Kavi, who was my advisor throughout the process.

The consumer proposal process felt overwhelming and long at first, but Abdul guided me every step of the way with patience, clarity, and professionalism. He took the time to explain everything in detail, answered all my questions, and made sure I felt comfortable and informed before moving forward.

Thanks to his support, what initially felt stressful became much more manageable. I truly appreciate his dedication and the reassurance he provided during a difficult time. I would highly recommend 4Pillars and Abdul Kavi to anyone looking for honest and supportive financial guidance.

16 December 2025
Unprompted review
Rated 5 out of 5 stars

Outstanding

Zach & the staff of 4 Pillars were superb ,very understanding and helpful in everything .Thanks for this company it made my day!

13 November 2025
Rated 5 out of 5 stars

Help with peace of mind.

Going into debt was putting a lot of stress in my life. Going to this company and asking for help was the biggest relief I could have given myself. Zach was such a great help—he guided me through everything step by step, with zero judgment, and his personality is amazing. I felt I was in a great place, and he reassured me of everything. I really recommend going here for debt relief and everything else they provide!

1 December 2025
Rated 5 out of 5 stars

Zach is a Great counsellor

Zach was so patient and explained every step clearly and guided me on how to proceed with my consumer proposal file and he always followed up on the process to be sure that everything was going smooth.

17 November 2025
Rated 5 out of 5 stars

Kristen was amazing

Kristen was amazing
Your fountain of knowledge made me feel safe. She was very kind and polite. Responded to my emails very promptly.
Save me a lot of stress, helping me reduce my debt by over 150k.

Thank you

27 November 2025
Unprompted review
Rated 5 out of 5 stars

Our experience with 4 pillars…

Our experience with 4 pillars consulting was very professional and relaxing atmosphere helping us with better financial planning and on the road to better management of our money and time. We would highly recommend 4 pillars consulting.

24 November 2025
Rated 5 out of 5 stars

Zach is the best

Zach is the best! He helped me out so much in doing a consumer proposal. With it I've been able to get out of paying huge amounts of interest and going to start my life over after consolidating my debts into an interest free one.

1 November 2025
Unprompted review
Rated 4 out of 5 stars

They help me by explaining all…

They help me by explaining all possible saltion and what is the best to my situation every thing was clear I contact 3 company but they was not clear as this company in every single detail very helpful honest

Thank you very much 😊

21 November 2025
Rated 5 out of 5 stars

I had a very positive experience with…

I had a very positive experience with Abdul. Though I was very skeptical at first, everything turned out great. He was very helpful and professional. I'd gladly recommend using this service, now that I know it's real.

11 November 2025
Unprompted review
Rated 5 out of 5 stars

First of all my experiences within this…

First of all my experiences within this company excellent service
Reason why, where,when,how not the matter
Questions?
Myself recommended there the best place to get your Debit free & you feel free to get back to Life They are the best management services provider 100% win your case granted

18 November 2025

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