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If your debt stress is taking its toll on your health, family and career, we are here to help you get back on track financially. Put an end to sleepless nights and wondering how you’re going to make this month’s payments.

We have helped thousands of people in the GTA to get out of debt with a 99% percent success rate.  Read More

Consumer Proposals

A consumer proposal is a popular alternative to bankruptcy – partial repayment plan based on your means to provide debt relief.

Bankruptcy Solutions

Sometimes no matter how hard you try to meet your financial obligations, declaring bankruptcy is the only responsible solution.

Credit Counselling

This service provides better resources to manage finances & debt going forward. Reducing stress and keeping you financially fit.

We have assisted thousands of people like you to become debt free.


Recent Activity

Christmas Credit Hangover

Christmas Credit Hangover

In this video, Richard Killen, Licensed Insolvency Trustee based in Toronto talks about buying Christmas gifts on credit cards. It is important to remember that credit card bills don’t take a Christmas holiday. Christmas brings out the “giving” in...

Consumer Proposals in Toronto

Consumer Proposals in Toronto

In November 1992 the Bankruptcy Act received a broad overhaul for the first time since 1966. If you can imagine the changes that had taken place in Canadian society between those years you can understand that this was due; probably overdue. One of the main changes to...

Debt Counselors Toronto and Consumer Credit

Debt Counselors Toronto and Consumer Credit

Many, many times in the years that I have been a Licensed Insolvency Trustee in Toronto I have met people who had very little understanding of how credit works, especially consumer credit. In fact, when I started my trustee business one of the first persons who came...

Bankruptcy Counselors Toronto vs Licensed Insolvency Trustee

Bankruptcy Counselors Toronto vs Licensed Insolvency Trustee

It almost sounds funny, doesn’t it? Bankruptcy Counselors Toronto – somebody who counsels people, presumably in Toronto, on how to go bankrupt? Perhaps the term is misleading? I think so. Real Bankruptcy Counselors, in Toronto or elsewhere, don’t counsel people to go...

Insolvency Solutions and Information on the Internet

Insolvency Solutions and Information on the Internet

You are probably reading this on our website. Everybody nowadays seems to use the internet to look things up and research matters of interest to them. Insolvency solutions (bankruptcies and consumer proposals) are not an exception. There are a thousand different...

How Does A Consumer Proposal in Toronto Work?

How Does A Consumer Proposal in Toronto Work?

You hear a lot about consumer proposals in Toronto nowadays. Since, in my experience, practically nobody wants to do a bankruptcy it’s no wonder that consumer proposals have become the most talked about part of the personal insolvency business. In fact almost...

Consumer Proposal vs Bankruptcy- which to choose?

Consumer Proposal vs Bankruptcy- which to choose?

I’ve been in the insolvency business in Toronto for over 34 years and in all that time I don’t ever remember meeting anyone who actually wanted to go bankrupt. Let’s face it, who would? I have met an awful lot of people who did realize and accepted...




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