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!

Perhaps one of the worst trustees in town (if not actually the worst). They leave you in the limbo…read moreafter the bankruptcy with CRA and other creditors. They asked for two years' worth of bank transactions and then at the end they provided a link to make corrections with CRA yourself and after the discharge it turns out they never reported it to the creditors that you were discharged and here I am sitting waiting for my credit score to change. You're better off to do things yourself or find another company even with the least rating which I am sure will do a better job than them.

During such a challenging time, I am still grateful for this team who continues to support me…read moreduring this uncomfortable process. I highly recommend David to help with your finances, he is knowledgeable, clear and respectful.

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

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!

Peter and his team provided empathy throughout the whole process. I happily refer Peter and his…read moreteam when your financial situation needs help in regards to debt management. I should have called them sooner!

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 was skeptical about companies that offered debt relief. But i looked into 4 Pillars and found out…read morethat they have been established within Canada for over 10 years. I was in a lot of debt trouble. Bills piled up from different credit cards with interest adding on. I made decent money, but i just couldn't keep up with all the payments. It was getting very close to the edge for me. My goal to pay off my debt and save up for a house seemed impossible. And then i finally decided to seek some help from 4 Pillars in Richmond, B.C. That's where i met Dale Chen. I actually saw an ad on Facebook that advertised 4 Pillars. I am very thankful that i sought his help. I called him, but he was unavailable, so i left a voice message. I was hesitant at this point, he called me back and i missed his call as well, and he called a few more times leaving voice messages. When things were in a tight jam, i decided to call him, and we set a day and time to meet and discuss my financial situation. Dale welcomed me into his office in a very friendly and professional manner. I had read reviews about him from others as well, and i was happy with what I saw. So when i went to him and we talked, i felt eased, even though i was in a tough situation. He showed me what he's about, and what he does, and why he does it. He is very passionate about his job. I did have to pay some fees up front and he was very nice about it and let me divide into multiple payments compared to companies that do it for free and charge hidden fees later on. The only stressful part i had to deal was with calling my credit card companies to stop any payments. But that in itself was a relief, as i did not have to make any payments to them, as i awaited the approval of my consumer proposal to the creditors. This is all legal according to the Canadian government which he told me as well. You can look it up as well. It's an accommodation to help people in this situation. After setting up my file, Dale did most of the work, I just had to gather documents, paychecks, etc and meet up with the creditor and Dale to submit the proposal. We both did our part. A month or so later, Dale told me that my proposal was accepted, and my debt was relieved by 80%! I was shocked, but so happy and relieved at the same time. I couldn't thank Dale enough. I couldn't have re-started my life without his help. Everybody makes mistakes, and I really needed to fix my life. Thanks to Dale again, that it is possible now. From managing multiples and multiples of bills, i just have to pay off one sum of debt which is down to under 20% of what i originally owed. When i was worried that the proposal was not going to be accepted, Dale gave me hope. He said he hasn't seen a proposal not accepted yet. My experience with Dale was professional, friendly, amazing, and he made you feel like a friend. He tried to do his best for me. He understood my situation. He talked to me about his family and his son. He even met my family and was nice to them and even my family trusted him. I trust him. Not only did Dale try to reduce my debt, but also helped me get back on track by building my savings with budgeting and a couple coaching classes. He wanted me to live a normal life again. By fixing the debt and the steps to build my foundation back after reducing the debt. I am thankful to all he has done. I cannot say how grateful I am to Dale. I did not know where to turn to when i was seeing plethora of bills/envelopes so often paying minimum payments including a Line of Credit. If you are in debt, and are having trouble making payments, i very highly recommend Dale Chen. He is a people person and not only a financial savior, but an emotional one as well. The feeling of living again is amazing. Thank you Dale!

From the owner: At 4 Pillars Consulting, we serve Richmond and Delta clients and specialize in debt restructuring,…read morebudgeting, credit rebuilding, and financial literacy.

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.

Reaching out for help with money management can be incredibly stressful and shameful. The workers…read moredid an amazing job of listening to our concerns without judgement and provided fact based information on how to get out of our situation. It relieved a huge amount of stress and provided tools to help turn our situation around. I would highly recommend them, whether just for developing a budget or for addressing debt.

Very understanding and professional. Answered all my concerns and questions. I wish I had called…read morethem earlier instead of trying to cope all by myself.