Terryl Allen
  • Terryl Allen

  • 92 Caplan Ave., Suite 632
    Barrie, ON
    L4N 9J2
  • 705-812-0578
  • terryla@4pillars.ca

Terryl Allen, Debt Consolidation Specialist

If you are researching your debt relief, I can help. This page shows you the most common ways to reduce and manage your debt, as well as offers stories from real Barrie residents I've helped.

I'm Terryl Allen, your 4 Pillars Debt Relief Specialist Serving Barrie. I am a Insolvency Counselor by the Canadian Association of Insolvency and Restructuring Professionals (CAIRP).

My greatest reward is seeing my clients eliminate their financial stress, meet their long-term financial goals and start living again.

Helping Barrie families get out of debt

Since 2007, I have created plans that have helped Canadians reduce millions of dollars of debt for individuals, small business and corporations that were struggling and needed a more manageable repayment plan to pay back only a portion of their debt.

As an authority in the debt business my focus is at the local level and understanding the needs unique to my community with the strength of a national firm behind me in ensuring the needs of my clients are always meet.

I take pride in creating plans to help significantly reducing debts, providing credit rebuilding and budgeting services, creating client relationships for life and providing outstanding customer service. I have established many professional relationships in the community that offer complimentary services allowing me to provide ongoing support and guidance to my clients.



Your debt management and consolidation options

When you are facing a financial crisis, it is important that you get the answers you are looking for and that each option is explained in a clear, concise manner.

At 4 Pillars it is not a one size fits all approach. We look at the unique situation of all our clients and customize a solution that works for the individual, family, business or corporation.

At 4 Pillars we represent our clients and their best interests to find the fastest and most effective solution to solve their financial difficulties and look to the future. You are always treated with dignity and respect and your privacy is always protected.

Our debt reduction and consolidation services

Here is a basic breakdown of the different options available to you.

  1. Restructuring Consumer Proposals
  2. Representation through Bankruptcies
  3. Consolidation Loans
  4. Foreclosures
  5. Budgeting
  6. Credit Rebuilding
  7. Business Consulting for Small Business or Corporations
  8. Business Restructuring for Small Business or Corporations

How the debt restructuring process works

From our very first contact, my goal is to reduce and ultimately eliminate your stress due to financial hardship.

Assessment of your debt relief options

In my approach to assist you with your financial challenges, I begin with a phone call to assess and analyze your current situation.

This will enable me to be prepared for the initial face to face free consultation.

Consolation at my Barrie office

During the consultation, all options with be explained to you in detail and you will have the opportunity to have all of your questions asked and answered.

Building your debt restructuring plan

Once you are ready to move forward, I will begin consulting with you on your restructuring plan and budgeting. I will work with you throughout the restructuring process.

Once your restructuring plan is in place and you are on the road to becoming debt free, I will then provide ongoing budgeting, credit rebuilding services and financial advice as needed.


A recent Barrie family we helped get out of debt

Manny and Dan contacted 4 Pillars for help with over $82,000 in unsecured debt. This debt had been hanging over their heads for several years and continued to grow. They had made several attempts to try and consolidate, even borrowing money from family but they were unable to get out from under the burden of growing debt and interest rates.

In fact many of the solutions they had previously tried, had in fact, made their situation worse. Manny and Dan were completely drained from the amount of stress they were carrying due to their financial crisis.

There road to financial recovery began with a phone call to the local 4 Pillars office in Barrie. After gathering a little information, a meeting was set with them to begin the process.

We began working together on budgeting and cash flow and after 6 weeks their debt restructuring plan was in place. We were able to structure a plan that helped them reduce their $82,000.00 in debt down to $17,100, putting them in an interest free payment of $285.00 for 5 years.

Manny and Dan are now able to meet their financial obligations with money left over at the end of the month. They have been able to save money and are working towards making additional payments to the trustee to pay their proposal off sooner.

Their only complaint was "we wish we found you sooner, we could have done this 2 years ago". They now have their life back on track and are excited about the future.


About 4 Pillars

When you are facing a financial crisis, it is important that you get the answers you are looking for and that each option is explained in a clear, concise manner.

Working with 4 Pillars gives you the distinct advantage of working with an established national company with years of knowledge and expertise in creating financial restructuring plans.

Having local offices allows you to work with someone who can provide a personal touch when dealing with your financial situation.

We have helped Canadian restructure hundreds of millions of dollars since 2002. Our success is built on our outstanding client service and client referrals. We work for our clients, not the creditors.

Our national strength has allowed us to find unique solutions to meet our clients needs and 97% of clients we work with successfully complete their restructuring plan, we believe this to be the highest in the industry.


4 Pillar Reviews Barrie

My office is located at: 135 Bayfield Street, Suite 201 Barrie, ON L4M 3B3

Office hours are Monday to Friday 8:00 AM - 5:00 PM. Evening and Weekend appointments available

Here are some of my Directory listings:

Here is my Yellow Pages Listing: Yellow Pages

Here is my GoldBook Listing: Goldbook

Here is my Barrie Chamber of Commerce: Barrie Chamber of Commerce

Here is my 411 Listing: 411 Pages

Here is my Yelp Listing: Yelp Pages

Here is my CA Listing: CA Pages

Social Media Links

Here is my Facebook Listing: Facebook Page

LinkedIn 4 Pillars Consulting Profile: LinkedIn Profile

Here is my YouTube Listing: YouTube Pages

Here is my Twitter Listing: Twitter Feed

Here is my Instagram Feed: Instagram Feed


Financial Services:

Looking for your credit report or credit score? In Canada, we have two main credit bureaus; Trans Union and Equifax. See links below:

http://www.transunion.ca/ca/personal/creditreport_en.page
http://www.consumer.equifax.ca/home/en_ca


Looking to reestablish your credit? You can begin with obtaining a secured credit card - see link below:

https://www.peoplestrust.com/mastercardapplication/step1.php?ref=15354


How much is your debt service ratio? See link below:

http://www.cmhc-schl.gc.ca/en/co/buho/buho_016.cfm


Looking at purchasing a home in the future? See how much your mortgage payment would be:

http://www.cmhc-schl.gc.ca/en/co/buho/buho_012.cfm
Terryl Allen
  • Terryl Allen

  • 92 Caplan Ave., Suite 632
    Barrie, ON
    L4N 9J2
  • 705-812-0578
  • terryla@4pillars.ca

Have a question?

Speak to an expert in confidence.

Get Started.