I was signed up with another national debt consolidation service but they didn't seem to care about my situation and set my repayment rate at an amount that left me penniless every month. 4 Pillars helped me through every step of the application process and cut my payments by more than half so I can actually afford to live and even save a little every month. They were friendly, proffesional, personable and most importantly thry actually care about their clients well being. I am happy and have hope now.