Debt Relief, Just Ahead Green Road Sign in Toronto Over Dramatic Sky, Clouds and Sunburst.

When people come to Richard Killen & Associates for bankruptcy or debt relief services, we don’t sit in judgment. It wouldn’t be fair anyway, because most people are their own harshest critics.

These people come to us at one of the worst times of their lives, when their worlds seem to be crashing around them. They feel afraid and guilty. The very act of opening the front door to our office can require an enormous act of will, to confront the bad news.

We sit down with them and listen to their story and ask the right questions. While each person’s situation is unique, and we have probably heard a similar story before, we can give them practical options to solve their problems; whether it is loan consolidation, credit counselling, creditor negotiation, a consumer proposal or even bankruptcy. We will let them know the pros and cons of every choice so they can decide what measure or measures suit them best. Their decision, not ours.

But, we will also try to make them understand that there is nothing they need to apologize for – unless it is being human. We humans all make mistakes. So if we are going to make mistakes, all we can do is try to make sure we don’t repeat them. In other words, make sure each mistake is a new one.

There are all kinds of reasons why people find themselves behind the eight ball financially: sickness, job loss, marital troubles, etc. But more often than not these problems have been made worse by their own mistakes, such as letting their spending get away from them and perhaps living beyond their means.

We try to help people see their situation in its proper perspective. We let them know that they are not the first to cope with this problem. Their crisis doesn’t make them bad people and it doesn’t define who they are. If they made mistakes they can also learn from them. In other words, turn a problem into an opportunity. We know this to be true. We’ve seen it happen many times.

Don’t get us wrong. We are Licensed Insolvency Trustees, not social workers or crisis counsellors. We serve a purpose defined and regulated by government and made accountable by law. But, one aspect of the legal process involves insolvency counselling, so we try to make sure that, at the very least, they can use their financial misfortune as a stepping stone to better control their financial future.

We have obligations to every person who walks through our door. Not just to help them find a solution to the problem in front of them, but to come out the other end in the best possible shape. The better they understand their situation with the proper perspective the better chance they have to achieve this goal.

So if you are living with the kind of financial problems we’ve described don’t be afraid to contact us. As we say in our TV ads, a phone call to us can be the most stress-relieving call you ever make.  A debt relief program can put you back on the road to financial security sooner than you think.