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Being Human: Debt relief is just a phone call away

Posted on Jun 15, 2015 in Uncategorized | 0 comments

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...

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Five Reasons People Consider Declaring Bankruptcy

Posted on May 22, 2015 in Uncategorized | 0 comments

While many people believe that declaring bankruptcy is always a sign of financial mismanagement, this is not always the case. Misfortune and disaster can also lay low someone who had been keeping their head above the financial waters. So here are five common reasons people become insolvent and may need a bankruptcy or a consumer proposal to solve their problem:   1. Losing their job In an “iffy” economy, unexpected job loss is an...

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Debt Consultant- Canadian Debt Alert!

Posted on May 8, 2015 in Uncategorized | 0 comments

Many more Canadians are tying rocks around their waists and jumping into a sea of debt. If this sounds familiar, it may be time to talk to a Toronto debt consultant. According to a report recently released by Statistics Canada, “Changes in debt and assets of Canadian families, 1999 to 2012,” more than a third, of families had a debt-to-income ratio above 2.0 in 2012. In other words, their level of debt was at least twice that of their annual...

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4 Things About Financial Planning In Toronto That Are Untrue

Posted on Apr 22, 2015 in Uncategorized | 0 comments

People come up with a lot of reasons to avoid financial planning in Toronto and not to plan for their financial future. They’re too young, too old, too broke and so on. But the truth is, financial planning, and the services of financial planner, can help you make a game plan so you can get where you want to go, whether it’s retirement with an adequate income or making a major purchase, such as a house or a car.   So here are four myths...

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How Do You Stop Collection Calls In Toronto?

Posted on Apr 11, 2015 in Uncategorized | 0 comments

Many Toronto residents often wonder “How do I stop collection calls?” The fear of a ringing phone is one sign that you’ve let your debt get out of control and now the collection agencies are after you. And they can become very aggressive. There are stories of agencies haranguing people in their homes at 3 am, or even going after people who don’t owe money. With economic downturns and the record amount of debt carried by Canadian families, many...

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Surviving the End of the World

Posted on Jun 14, 2014 in Budgeting, Debt, Debt Counseling, Uncategorized | 0 comments

The fear is eating away your stomach lining. You can’t sleep. You can’t concentrate. You feel like a failure in the eyes of the world. The envelopes of the unopened bills have changed to new ominous colours. The days you could juggle minimum payments between credit cards is coming to an end as you reach your limits. You stop answering the phone calls for fear of bill collectors . . . and then the phone stops working altogether. Many people come...

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