4 Pillars Reviews

4 Pillars has been assisting consumers consolidate and restructure their debt since 2002. We are extremely proud of our client testomonials and reviews. Whether it is helping consumers receive the long-needed relief they need from their debt or simply carve out a plan to help someone pay their debt off 10 years sooner. Educating clients on how debt consolidation works is our focus and ensuring clients understand all of their options is what we are about. Whatever the need, we are here to help.

Natalie J Dupuis
Natalie J Dupuis
15:45 12 Feb 21
It was only about 9 months ago, that I was is 79k in debt, paying on 6 loans. I was paying on 2 line of credits, a high interest credit card, a student loan, a car payment, and family debt.I felt so overwhelmed, and to a degree embarrassed, that part of me just wanted to pretend my debt didn’t exist. But how the debt was holding me back. It reached the point, I couldn’t just ignore it any longer, and I knew things had to change.With the encouragement from a great friend, I decided to research online on companies that specialized in debt reduction. When I came across 4 PIllars, I was very impressed by the reviews that others clients who had paid off their debt and saved a ton of money. Although excited of this same possibility for me, I still remained skeptical as I had been burned in the past.I decided to take a chance anyways, figuring I had nothing to lose at this point, and booked my first appointment to find out more.When I met with David Moffatt, he immediately put my mind at ease and made me feel comfortable. I had felt judged before in the past because of my debt but David was very relatable, sharing his own story of how he too faced debt and how he overcame it. What really stood out was that David was extremely professional, and took the time to get to know what was important to me. It was only once he understood my goals, he provided me options and recommendations on the next steps to take. He kept it simple, and that’s was so helpful in making me feel confident that I could pay down my debt.Following my initial appointment, I followed David’s recommendation, and fast forward up until this week, I paid my final debt payment, of the 79k 2 days ago. All 79k, all 6 debt payments completely gone.It still feel surreal, as this is the first time since I was age 18 that I have been COMPLETELY debt free!Because of 4 Pillar, I was able to connect with services and resources to pay off 79k in less than 9 months. To add, I was able to knock off 21k off my debt repayment, not to mention all the money I would have been paying on interest!This has been a life changer for me, and am so thankful for the entire team that has made this possible for me.For anyone reading this, sitting on the fence on whether eliminating your debt is possible for you I highly recommend you connect with the 4 Pillar team. I can totally relate to how it feels to be overwhelmed or not want to deal with debt, however 4 Pillars keeps it simple, and provides you with all the tools you need to take the next steps.The process is streamlined and this was so important to me especially during a time I felt so overwhelmed.It feels so good and not have that 79k looming over me, and have to admit, I feel just a little lighter now!Can’t thank this team enough!
Natalie J Dupuis
Natalie J Dupuis
00:01 11 Feb 21
If it wasn’t for the advise and recommendations of 4 Pillars I would have never paid off my debt. 9 months ago I was in 79 k in debt paying on 6 loans, and today I paid my last loan payment and am officially debt free for the first time since I was 18 years old.

For someone experiencing debt right now, I don’t hesitate for a moment to recommend 4 Pillar. When I met David Moffatt, he was extremely professional and kept things simple which put my mind at ease. He took the time to understand what was important to me and provided me with the solutions I needed to make a drastic change in my life.

I cannot thank David and the 4 Pillar team enough and grateful that they guided me to the resources I needed to change my life!
C T
C T
21:45 07 Dec 20
4 Pillars has given me another chance to start over, I never thought I’d be able to climb out of this debt but I can honestly say after my first appointment I felt there was hope. Susie C was non judgmental, always there to answer my questions and helped me every step of the way. I highly recommend 4 Pillars to anyone who is struggling to get by and sinking in debt. You won’t regret contacting 4 Pillars. No more sleepless nights. Thank you Susie C and 4 Pillars for this new chapter!
Debbie Blois
Debbie Blois
12:43 02 Dec 20
Kristy James – Very helpful, very knowledgeable and a pleasure to work with!!
Shelly Billard
Shelly Billard
12:08 19 Nov 20
David Moffat and his team are extremely professional and compassionate. With so many businesses being about the bottom line, it is truly a pleasure working with a company that is looking out for YOUR best interests first. I would recommend 4 Pillars 10000000%
Linda Schmitt
Linda Schmitt
17:55 20 Oct 20
Kristy J was excellent to work with and provided fantastic customer service. Quick to answer any questions I had. Definitely recommend giving them a call if you have any worries about your debt load.
Jim Wintzer
Jim Wintzer
18:11 24 Aug 20
Get a job loser!!!! People like you are the reason for high interest rates….
Michael Alvin Camua
Michael Alvin Camua
15:55 21 Jul 20
David and the 4 pillars was introduced to me by a friend, David help us to settle our debt and he will guide us on our way to be debt free and manage our financial.I highly recommend 4pillars if you have a debt that causing you and family financial stress.David and 4 pillars Thank you
Paul G
Paul G
18:50 20 May 20
5 Stars is not enough to describe the service provided by Kristy. When you walk in to see her, although very professional…it’s really more like meeting with an old friend who has tons of wise advice and guidance for you. If you are struggling, go and see her…it will be the best move you could ever make.
Tanya MacKenzie
Tanya MacKenzie
16:18 14 May 20
gerry lloyd
gerry lloyd
15:35 12 May 20
4 Pilars debtrelief specialist Kristy, was amazing !Very friendly , professional, and meticulis to all the detailsof ourproposel and debt relief.My wife Stephanie and I very highly recomend Kristy.thank you again so much Kristy 🙂
Patrick Boutilier
Patrick Boutilier
12:35 04 May 20
J W
J W
22:38 24 Apr 20
I’ve got to say we had our doubts at first thinking this was too good to be true. It wasn’t and I’m so happy for following through and 4pillars is all for you. Kristy in the HRM location was great to deal with very knowledgeable and helpful. Most of my debt was student related and once it was time to pay it all back I was weighted down with trying to pay them all and still live and continue to build a family and future. Not a route I wish I ever had to take but life happens and I’m very glad to have heard about 4pillars to help me clear up a lot of my debts! Thank you 🙂
G
G
19:21 06 Apr 20
Obviously this was a very stressful time for us but from our first contact with Kristy @ 4 Pillars in Halifax, we were supported 110 % and she took us through each step and explained everything and made sure we understood. We were never rushed or made to feel foolish and Kristy always responded in a timely manner to ALL of the questions we had. This experience, as difficult as it was, became much more tolerable thanks to Kristy’s professional and personable attitude. Thank you from the bottom of our hearts for helping us get a fresh start !
Brodie White
Brodie White
17:06 26 Mar 20
Kristy is the best and such a big help, a big financial relief
Nadia Smith
Nadia Smith
16:50 24 Mar 20
We were hesitant before meeting with 4 Pillars because we felt as though their offerings were “too good to be true”. We were so far into debt already and to top it all off I was put off of work early due to pregnancy complications. We went to 4 Pillars hopeful, yet cautious. We met with Kristy who was so knowledgable, comforting and confident. She worked with us to show us all of our options and we settled on a Consumer Proposal. Kristy kept us informed and answered any questions or concerns we had throughout the entire process. We are now starting to rebuild our credit the right way and we are SO thankful that Kristy and the team at 4 Pillars were able to help us. I definitely recommend going in for a consultation, it’s free and it could actually change your life!
Alexandra
Alexandra
03:00 10 Mar 20
The service that 4 Pillars offers is exceptional. I was facing some very serious debt, and was no longer in a position to deal with it alone. I was scared and overwhelmed. So I reached out for help. I was assisted by Kristy, who was just wonderful to work with. She started out the initial consultation by explaining all options to me, and offered to work with me to get my issues resolved. I accepted this offer, because I felt I could trust her; she was empathetic and non-judgmental, and also professional and honest. She remained helpful, open, and communicative throughout the entire process to deal with the debt.The consultants at 4 Pillars are looking out for the client’s best interests, truly. During the initial consultation (which is free, and you are not pressured or obligated!!), they give you all the options available to you, and it is your choice how to proceed. Of course they will give their recommendation as experts, but you have complete autonomy. You are treated as a human, and all processes are explained to you clearly.Sometimes we all need a little help in life; 4 Pillars can help you out of a negative situation without you losing your dignity, and can provide you with the tools and support you need to make necessary changes.
Jeremy Noye
Jeremy Noye
18:34 29 Jan 20
Yesterday we started a new chapter in our life and it was all thanks David and the team at 4 Pillars. Due to medical issues and a fire in our house we got ourselves in to debt and couldn’t find our way out.We decided to try out David and 4 Pillars because we just didn’t know what to do. After our first meeting we thought everything he was saying was too good to be true. We didn’t have to lose our house or our car and we also didn’t have to declare bunkruptcy. We didn’t even know about debt consolodation until we talked to David.We are now on the path to a more successful, less stressful life and it is all thanks to David and the amazing folks at 4 Pillars!
Jeremy Noye
Jeremy Noye
14:20 29 Jan 20
Yesterday we started a new chapter in our life and it was all thanks David and the team at 4 Pillars. Due to medical issues and a fire in our house we got ourselves in to debt and couldn’t find our way out.
We decided to try out David and 4 Pillars because we just didn’t know what to do. After our first meeting we thought everything he was saying was too good to be true. We didn’t have to lose our house or our car and we also didn’t have to declare bunkruptcy. We didn’t even know about debt consolodation until we talked to David.
We are now on the path to a more successful, less stressful life and it is all thanks to David and the amazing folks at 4 Pillars!
Gabriel Benavent
Gabriel Benavent
19:37 21 Nov 19
4 Pillars is an amazing company that helped a lot of my clients reduce their debt by a huge amount. David Moffat is very proffesional and really cares about doing the best job possible!
launa wright
launa wright
20:05 08 Nov 19
Kristy James is an Absolute angel she made the process so easy
Mark Tough
Mark Tough
13:19 07 Nov 19
terry leblanc
terry leblanc
19:53 06 Nov 19
We would like to thank Kristy James for being so knowledgeable and compassionate while helping us find a debt solution that works for us.
Benjamin Smith
Benjamin Smith
12:25 03 Nov 19
Quick, helpful information. With their guidance I was able to better re-structre my debts without tanking my credit. These people are worth consulting for sure, now I can actually sleep at night knowing the debts can be paid and I can actually take my life back
robert stewart
robert stewart
19:29 31 Oct 19
Kristy and 4pillars saved me when I didn’t think I had a chance. I was facing enormous debt due to medical issues and I found people who were empathetic and willing to make me feel human throughout the process. I since have some solace in the results and I cannot recommend their professionals enough. Thank you for making me feel worthy and human again!
Natasha Goodman
Natasha Goodman
14:34 11 Oct 19
Froi Picasos
Froi Picasos
21:14 09 Oct 19
David is just amazing! If you are drowning in debt right now and feels like your situation is a dead end, 4Pillars can definitely help. So we asked for David’s help June 2019 and today our proposal got accepted! We are finally starting the process and will soon see the light by the end of the tunnel. I know it’s going to take some time to finish paying off our debts but the good thing is we can finally start over and handle our finances better now. David and 4Pillars will work with you and not with your creditors, with no judgment to the clients. They are the best and highly recommended!
Richard Murphy
Richard Murphy
17:26 12 Sep 19
Thank You David Moffat for working with us to help with our consumer proposal and the acceptance by the creditors. We both appreciate the fact of the personal attention you extended to us and all your customers. We look forward for your guidance with re-establishing our credit and working with the 4 Pillars program
Cathryn Tracy
Cathryn Tracy
15:29 26 Aug 19
So much gratitude!I cannot remember a time when I was not financially strained and stressed due to various ‘life’ situations (changes).A colleague directed me to David at 4PILLARS to see if he could help relieve some of that long-term stress with his knowledge and expertise as a Debt Relief Specialist. I had never heard of that title but, my gosh, David is truly that!With his advise, guidance, patience, understanding and knowledge, he certainly helped turn things around for me and I am on the road to financial freedom (so to speak) – soon to be free from debt to me ‘is’ FREEDOM. I am actually looking forward to my credit counselling sessions!So, my genuine, sincere and heartfelt thanks to David and his team at Halifax 4 PILLARS for being there for me in my time of need – You have helped prepare me for a new chapter in my life, without the stress of debt following me.Sincerely,C. TracyDartmouth, NS
Rose Moore
Rose Moore
01:04 13 Aug 19
Kristy James was very,very helpful in helping me with my situation. I really do not know where I would be if it had not been for the very excellent service I have received from her. No matter what questions I come up with she explains the answers to me in a way I understand.Thank you very very much Kristy.i will be sure to recommend you to anyone I know that is in financial trouble. Rose
Elle Dee
Elle Dee
21:42 12 Aug 19
Really enjoyed working with Kristy and Dave getting our lives back on track. Kristy was honest, kind, and always willing to answer our one million questions, lol. We are so happy to have our lives back! If you are struggling with debt, give them a call for a free consultation. That was our wake up call and a start to a better future for our family! Best decision we ever made, thanks team!!
abdulwhab Alharbi
abdulwhab Alharbi
17:42 26 Jul 19
Several months ago i lost my job, and just had one thing after another come up, by the time i was able to get back on my feet I was $17,000 in debt. I had to take out a loan, line of credit and credit cards, and trying to pay all of those every single month is equaling up to $800 a month of debt, even with a new job it was hard to get back on my feet paying $800 a month plus all my other bills! so I called 4 Pillars and i spoke with Kerri, she was amazing! explained how it worked and worked around my schedule as best they can. I sat down with Dave he showed me every single option i have and explained everything in detail, where it actually made sense to me, and if it wasn’t for Dave and 4 Pillars i wouldn’t have known about the these options. Now i’m paying $200 a month, i can finally get back on my feet and start saving money! Thank you for taking away the stress and thank you for looking out for my future!
Alex J
Alex J
15:20 18 Jul 19
Tracy Spidell
Tracy Spidell
11:35 12 Jun 19
We had such an amazing experience working with David so far. He was able to help cut down our debt load significantly and give us peace of mind. We had checked out other options, however 4 Pillars were the only ones who could help us with the budget we had. I highly recommend this place to anyone with any financial burdens. David WILL help!
Dana L. Oakley
Dana L. Oakley
20:49 26 May 19
Dave is extremely efficient and I feel my finances are in great hands.
Rhodee Benigla
Rhodee Benigla
13:01 26 May 19
Great guy and very accommodating, a must recommended to those who want to rebuild their financial debt.
Tanya Murphy
Tanya Murphy
00:14 16 May 19
Dealing with Adel Martin at 4pillars was such a positive experience! She made me feel very comfortable and after one meeting I could see that she had my back and my best interest at heart..she kept me updated and stood beside me throughout the entire process..she explained all of my options in a gentle non-judgemental way..she made an awful situation into something tolerable and for this I will always be grateful to her and the team..I would highly recommend 4pillars to anybody suffering financial overload for any reason..there is a way out!
Tanya Bezanson
Tanya Bezanson
00:12 16 May 19
Dealing with Adel Martin at 4pillars was such a positive experience! She made me feel very comfortable and after one meeting I could see that she had my back and my best interest at heart..she kept me updated and stood beside me throughout the entire process..she explained all of my options in a gentle non-judgemental way..I would highly recommend 4pillars to anybody suffering financial overload for any reason..there is a way out!
Amanda Crowe
Amanda Crowe
18:22 29 Apr 19
Thank you so much to David at 4 Pillars for all the excellent service he provided my husband and I in our time of need.If you ever find yourself drowning in debt i strongly recommend giving 4 pillars a call.Thanks again David you made our life so much easier.
Taco Jay
Taco Jay
11:53 26 Apr 19
Samuel Embregts
Samuel Embregts
20:36 15 Apr 19
I’m a veteran with severe PTSD. Taking care of my finances haven’t been my priorities for a while. The support and understanding I received so far from the people at 4 pillars is impressive. We have connected at a real human level. I’m not a number on a file there. Just a guy with some struggle and they are willing to go the distance to help in anyway they can.Thank you David and Kerri
Joney Theriault
Joney Theriault
14:46 31 Mar 19
David is amazing and so knowledgeable in what he and his team knows!During this journey he was very helpful and was able to answer any questions, also helping me and family go from sleepless nights to relieved to actually save for our future.Thank you
Ruben Ko
Ruben Ko
16:28 28 Mar 19
Great people to work with. I got my help I needed and solved my financial worries. It’s a beautiful life, especially to have the right people around.
Dianna Major
Dianna Major
12:34 13 Mar 19
David gave us an honest opinion on how to best manage our debt. We restructured a couple of loans that were hanging over our heads and it has given us peace of mind. Thanks David!
Tammy-Lyn Barbour
Tammy-Lyn Barbour
01:33 13 Mar 19
My experience was positive, 4 Pillars helped reduce my stress and was bale to put me on a path of financial self control and independence. I do not have creditors calling, I can meet all of my monthly financial obligations. My proposal was accepted without changes and the cost is much lower than I could not have anticipated. I can’t thank 4 Pillars enough. I am over 50 and still have the ability to have a decent life and retirement. I would recommend 4 Pillars to anyone who needed help with their financial situation. They work for you, not your creditors and it is clear that the outcome is important to them as much as it is for you!
NeighborToTheNorth 1982
NeighborToTheNorth 1982
18:29 12 Mar 19
David was very helpful in explaining the whole process of a consumer proposal and made sure it was the best option for me.The staff at 4 Pillars were always responsive to my questions, and had answers immediately.Would recommend to anyone in a similar situation.
Gerard Dugay
Gerard Dugay
17:49 22 Feb 19
I would like to thank Adel Marten and the staff at 4 Pillars for all the help they gave to me I would recommend them to anyone who feels trapped by there overwhelming Dept . They have relived me off do much stress and I am well on my way to becoming Dept free
Kim Harris
Kim Harris
17:15 22 Feb 19
Dealing with Adele Martin at 4pillars was such a positive experience! She made me feel very comfortable and after one meeting I could see that she had my back and my best interest at heart.. she kept me updated and stood beside me throughout the entire process.. she explained all of my options in a gentle non-judgemental way..she made an awful situation into something tolerable and for this I will always be grateful to her and the team..i would highly recommend 4pillars to anybody suffering financial overload for any reason.. There is a way out!
Gerard Dugay
Gerard Dugay
10:20 22 Feb 19
I would recommend 4 pillars to anyone looking for Dept relief help I recommend Adel Marten who help me out and was so pleasant to talk to they have helped me out off a really stressful situation they are very careing and were just a pleasure to work with
Rebecca Oulton
Rebecca Oulton
17:45 20 Feb 19
The professionalism and client sensitivity held by all those at 4 Pillars is exceptional. The staff are friendly, helpful and eager to educate their clients on all of their available options. The peace of mind that a free consultation will give you is well worth the time spent. They will honestly let you know if there are other routes to use to help improve your financial situation, even if it’s not with their company. As a business owner, I am confidant in recommending the services of 4 Pillars to my clients when needed.
Christie Nadeau
Christie Nadeau
13:27 18 Oct 18
You know those corny things people say when they feel relief? Like a weight has been lifted and I can breath again. Well it truly feels that way now, I don’t feel the stress when my phone rings from debt collectors and I don’t believe right now there is any better feeling.When you taste super-success after tasting super-failure, there is huge relief! Thanks Adel you were amazing every step of the way.
Crystal Inness
Crystal Inness
13:18 13 Sep 18
I am amazingly impressed with the service we received when dealing with David Moffatt. He took his time and helped guide us to understanding our situation and all of our options. Completely no pressure to jump into anything and at the end of the day I get the full impression he was there to help us. In our situation we found out we are best off to not even go the route of bankruptcy or consolidation. I would 100% recommend Four Pillars and especially David when looking to help fix your credit.
Crystal Inness
Crystal Inness
00:25 13 Sep 18
I am amazingly impressed with the service we received when dealing with David Moffatt. He took his time and helped guide us to understanding our situation and all of our options. Completely no pressure to jump into anything and at the end of the day I get the full impression he was there to help us. In our situation we found out we are best off to not even go the route of bankruptcy or consolidation. I would 100% recommend Four Pillars and especially David when looking to help fix your credit.
Zinah al jamil
Zinah al jamil
14:41 08 Jul 18
We live in a society were debt becomes a way of life and people think there is no way out. I am a Financial Educator and have sent David with 4 pillars many people that require help and he has done more than an excellent job. he makes sure every time he helps people first understand what is coming and what will happen, then applies it with so much patience and understanding, then continues on with the maintenance part to make sure the family never ever goes back to debt. Working with this guy will save your life and your family’s future.
Tracy Daniels
Tracy Daniels
19:41 29 May 18
I had made a few decisions that I thought at the time was helping me. I started to sink in almost 30 thousand of debt. Everything I had worked for in repairing and building my credit was about to be lost. I filled out the online form, but still had my doubts that I could be helped. No one but high risk companies had ever helped me . I finally went in . I was met with a person who didn’t treat me like a failure. He laid out all my options and even though they wernt my best option at this time, he point me in the right direction and really pushed me to do it. If that didn’t work to come back and he would help me. I did what he said. It saved my credit. Saved me over 25,000 in intrest, he showed me not all companies are just about themselves.
Samantha Meghan
Samantha Meghan
18:38 12 May 18
Jasmine Guthrie
Jasmine Guthrie
02:10 09 Mar 18
When I reached out to 4 Pillars I wasn’t sure I had any other options to get rid of my debt. Based on David’s advice I was able to start to process to get my debt paid off in a mush faster easier way
Diane Whynot
Diane Whynot
01:22 21 Feb 18
Extremely professional, kind and great attitude! You have a wide breadth of knowlege and loved hearing your perspective. Thanks for your insight! Much appreciated!
David Clarke
David Clarke
01:58 10 Feb 18
Kara Friesen
Kara Friesen
14:33 31 Jan 18
David is relatable, honest and straight forward. He helped me understand the best possible solution for myself in my situation even though he was essentially turning away business as it was in my best interest. I’m generally skeptical of debt relief agencies but he is truly doing a service for the Halifax community. Thanks David!
Shelley Phillips
Shelley Phillips
14:59 08 Jan 18
4 Pillars are an amazing company and with David Moffit in Halifax and Steven OKane in NB -these two gentlemen can help most every family I have referred to them .

Professional,very fast on response and helpfull to families giving them hope and the best choices.
Pillars Halifax
Pillars Halifax
20:58 27 Sep 17
We received a great note from a recent client: “​I was overwhelmed by my debt load for several years. Making minimum payments but the balances never reduced. Trapped, I thought I’d have to declare bankruptcy, but that was never a moral option for me.

I heard a radio commercial for 4 Pillars in March 2017 and thought ‘what do I have to lose?’. I made the call and the rest is history. 4 Pillars were courteous, extremely respectful and so helpful. They understood my situation and suggested a consumer proposal to settle my debts.

I am now 4 months into repayment for a fraction of my overall debt and my wife and I could not be more relieved. We are easily making payments within our income and we are set to rebuild our credit. David Moffatt and 4 Pillars are available to handle any of our questions and are committed to guiding us to full credit reinstatement over the next few years.

Thank you 4 Pillars!!! I would highly recommend to anyone in a debt crisis.” – Mike from Halifax
Ryan Corporon
Ryan Corporon
21:45 24 Sep 17
David Upton
David Upton
18:08 05 Sep 17
Geoff Alan
Geoff Alan
16:05 13 Apr 17
David Cowan
David Cowan
15:09 19 Feb 17
David Moffatt and 4Pillars gave me a new lease on life. They helped me get rid of an overwhelming and crippling debt that I figured I was always going to be stuck with. David is very professional, does a thorough job and really cares about his clients. I would highly recommend David Moffatt and 4Pillars to anyone who is having debt problems.
David Clarke
David Clarke
00:31 17 Aug 16
I have had the pleasure of working alongside David Moffatt with several clients and his professionalism and work ethic is second to none.
Shellee Frizzell
Shellee Frizzell
07:23 16 Aug 16
Mikey Schuster
Mikey Schuster
20:59 31 Dec 15
Adrian Moore
Adrian Moore
22:28 21 Dec 15
Very professional and knowledgeable, a fantastic company.
4 Pillars Reviews 1