4 Pillars and Sue provided me with excellent support and guidance through one of the biggest…read morefinancial decisions I have made. At first I was very intimidated with the process and had a tremendous amount of shame associated with my financial situation. Through the process I traded my shame for freedom and have turned the page to a bright future. What 4 Pillars offers might not be for everyone and for those who it fits know that you will be treated with sincerity and professionalism.

As a financial advisor I occasionally have the need for a debt relief expert. In 10 years, Sue…read moreGrubac stands out as the best at helping these clients get back on their feet. Most of these folks are hardworking, responsible people who either suffered a health crisis, or job loss. Crushing debt can cause horrible stress and depression. Its so great to be able to send them to Sue so she can lift them out of this and they can get their lives back again. I highly recommend her to anyone suffering financially.

If a credit bureau pull is what you dread, and you are sick of bill collectors incessant calls and…read moreletters, call Peter. He offers knowledgeable, friendly and honest advice on where to start the credit repair process, what to avoid, and how to look at the initial cause so it doesn't happen again! I often refer my clients to Peter as I believe that knowledge is power, and if you are serious about gaining control of your financial life, he is an excellent place to start!

I have spoken with Peter and I've been assured that the payment mishaps that happened were due to…read moreerrors outside of their control. Even though it was a stressful situation for me, I still refer people to Peter for help with their debt. Please do not discount going to 4Pillars for help just because of my experience.

A very understanding, and helpful group of kind professionals. If you are considering bankruptcy,…read more I would urge you to consider Bromwich & Smith.

Bromwich & Smith has helped me , in many ways , I've made poor decisions when I was younger and…read morefelt there was no way out , trouble sleeping at night , creditors calling all hours of the day/night , finally was exhausted and needed help , so I googled and came across Bromwich & Smith , they reached out right away and helped me with the best decision I could make , walked me through every step of the way! I highly recommend, there's is no shame in asking for help and reaching out to start over again ! Thank you so much Bromwich & Smith

Let me tell you, when you are one hair from bankruptcy, and the 7 years of slow recovery that…read moreresult -- When I found the BC Credit Counselling Society, let's just say I was hoping for the best but not expecting much. I was on EI, my income was low and I was looking for work. Well I was pleasantly surprised with the interview process - since I still had enough to set aside a definite payment each month, they accepted my application and off I went. Now I had close to 8500 in debts which is a fair amount to an unemployed person who can barely pay bills - so to have a company step up and meet with them and get them off my back was HUGE ! Fast forward 2.5 years later - and I am down to my last 2300 in debt.... It is really cool that I can make extra payments if I have extra coin ! I am likely going to be out on debt within a year - and that's over a year AHEAD of the initial estimate !! Best part of that is that because the Credit Council did it as a debt repayment arrangement, UNLIKE bankruptcy, it will be much better on my Credit Rating and as proof when I applied for new cell and cable service in Vancouver, my rating has already improved such that I got new accounts WITHOUT a limit or deposit !' Thank You !!!!

Exceptionally thorough and knowledgeable Credit Counsellors. I got a lot more advice than I'd hoped…read morefor, and the best thing about it was that the counsellor was able to find the gaps in my knowledge that I myself was not aware of. And yes, they are completely free.

I would highly recommend Sands and Associates to anybody struggling with debt or having Financial…read moreissues. My experience with Sands & Associates has been a very positive one. The staff are all very friendly and outgoing and willing to help. My trustee Raj Hara was amazing and so helpful. He gave me some very helpful Financial advice, answered all my questions and supported me through everthing. He made me feel like I wasn't the only one dealing with financial issues and offered me a lot of support. It made the experience all that much better and easier to get through. It has relieved an immense amount of stress in my life. It is changed things for the better for me. Thank you to everyone at Sands & Associates New Westminster branch.

FREE money coach, debt counsellors who know what they are doing and they don't charge you OR the…read morepeople you owe money to. These people are super nice, no question is a dumb question... you can ask them anything and they will explain it in language you can understand. I have brain trauma and my credit counsellor must have told me three times the exact same thing! He didn't mind one bit, so patient with me! FREE... these people are guiding me back from a financial nightmare into healthy debt free living and I now have a bright financial future, thanks to the Credit Counselling Society:-)

This is a wonderful non-profit organization that was very helpful. They provided me with a road…read moremap to get out of debt & better understand my financial situation. Their service was friendly, non judgmental & I was able to get an appointment within a few days of calling. I am very grateful & highly recommend them!

I ended up in David's office as a result of a criminal fraud situation wherein I lost my townhome,…read moremy credit, my assets and was forced to declare bankruptcy. I was financially and emotionally devastated and having to deal with David throughout the 3 years of my bankruptcy only added to my emotional turmoil. His manner is curt and condescending and I was made to feel as if I was stupid on more than one occasion. He seems client-oriented and tells you what you want to hear when you first set foot in his office but once he's got your business...it's another story altogether: you have to badger him and present yourself physically in his office to get any information. E-mails were unanswered, tasks were not completed as promised and then when I questioned him, I was told blatant untruths to cover up his neglect to do what should have already been done. For example: he told me he had written a letter to a potential co-op board regarding my bankruptcy situation and it was ready for me to pick-up at his office. When I presented myself at the office there was no letter in sight. Instead he quickly wrote it while I stood there waiting and to make matters worse, the information in the letter was completely incorrect. Apparently I was supposed to have completed 2 counselling sessions prior to being discharged - 1 in the 2nd month and 1 in the 6th month. 3 years into my banktuptcy and I only find out about this when I am awaiting my discharge papers. When I questioned why I was NEVER told this, he lied and said that his office attempted to contact me numerous times in the past to advise me of this requirement. Never was this even discussed! Again when I questioned him about the falsity of the information, he stated that there were letters mailed to my residence about this. I received only 1 document in the entire term of my bankruptcy. He then blamed the fact that I had moved during my bankruptcy and admitted that the correspondence was returned to his office. Again I questioned why then I was not contacted about the return of these important documents and why had my address not been updated in a timely manner when I had advised the office well before I moved. I received no explanation for this rather he replied "Regardless these sessions need to be completed prior to discharge." Further to the above, he neglected to advise me that I was entitled to a portion of the funds from the sale of my townhome. Had I not enquired about this in passing, I never would have received this significant amount of money until the end of my bankruptcy when he realized his oversight. My townhome was sold in October and I was not dispersed the funds until at least 3 - 4 months later. Again he admitted that this should have been done some time ago but never apologized or offered explanation as to why it was neglected, etc. I am not the only individual who has had such experiences with David. In fact, a personal friend of mine who was in the same situation as me, has had the exact same experience as mine. In fact she was so traumatized by dealing with David and his staff that she asked me to accompany her to a meeting with David to discuss her financial matters. Going through bankruptcy is a tumultuous and emotionally devastating process. You need someone who is on your side and is willing to listen and inform you each step of the way. David is definitely NOT this person. Find a trustee you whom you trust and will work 'for' you.

I highly recommend David and his team. I have send dozens of clients to him and always been…read morepleased at their level of professionalism, knowledge and care.