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Is A Payday Loan A Good Idea?

Posted on Jun 26, 2017 in Consolidation Loans, Credit Rating, Debt Counseling, Financial Advice, Uncategorized | 0 comments

In this video, Richard Killen, a Scarborough-based Licensed Insolvency Trustee talks about whether a Payday loan is worth considering. I guess one can say that going into debt, any kind of debt, is hardly ever a good idea. Usually, the cost of the debt outweighs whatever benefits you may get from borrowing the money. However, sometimes debts make a good case for making some worthwhile. For instance, is a mortgage worthwhile? Because you borrow...

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Is your credit rating affected?

Posted on Jun 9, 2017 in Credit Rating, Uncategorized | 0 comments

In this video, Licensed Insolvency Trustee in the GTA area, Richard Killen, talks about the how your credit rating will be impacted by your current financial situation and is not directly due to the fact that you are undergoing bankruptcy or a consumer proposal. As a matter of fact, it is the solution you need to get out of your financial troubles and start improving your credit rating. Here are a few key takeaways from Richard’s informative...

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How To Rebuild Your Credit Rating

Posted on Nov 17, 2014 in Credit, Credit Rating, Finances, Financial Advice | 0 comments

Your credit rating has taken a beating. You regularly pay bills late. Sometimes you can’t make even minimum payments. Perhaps you’ve gone through a bankruptcy or the consumer proposal process. But what now? How do you rebuild your credit rating? Find Out Where You Stand First, to see where you stand, get your sactual credit rating  from TransUnion Canada or Equifax Canada. OK, you’ve absorbed the bad news. If you’ve gone...

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What Happens to My Retirement?

Posted on Jun 30, 2014 in Credit, Credit Rating, Debt | 0 comments

Hi. I’m Richard Killen from Richard Killen & Associates. Just because you’re retired or approaching retirement doesn’t mean you can’t run into credit or debt problems. If that comes about, one of the concerns you may have is what will happen to your retirement savings and your pension? Well, generally speaking, you have nothing to worry about. Though the legal process can get a little complicated, for the most part nothing will happen to...

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Relief From Collection Agencies

Posted on Jun 20, 2014 in Bankruptcy, Collection Agency, Credit, Credit Rating, Debt | 0 comments

Hi. I’m Richard Killen, from Richard Killen & Associates. When you fall behind in your debt payments and creditors and agencies start calling, simply answering the phone can be an ordeal, especially if it’s never happened to you before. As a Licensed Insolvency Trustee, I see people in this kind of situation every day. The good news is that we at Richard Killen can actually help you with this problem. The Bankruptcy & Insolvency Act...

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