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3 Popular Ways You Can Make Extra Money to Pay Off Debt

3 Popular Ways You Can Make Extra Money to Pay Off Debt

Having a traditional 9-5 job is great. It will give you regular pay, that means having a steady income you can rely on to meet all your basic needs. But what about if you have a heavy debt load and need to pay off those debts? Your regular pay won’t be enough. You’ll ...

Understanding your credit rating

Understanding your credit rating

When it comes to managing debt, do credit rating reports help? There is a simple way to avoid taking on personal debt: never take out a loan without first knowing its purpose, the long-term goals and benefits it will achieve, and the plan to pay it back. Simply put, use ...

How to Save Money When You Are Broke

How to Save Money When You Are Broke

Is it possible to save money when you are broke and a big chunk of your income goes towards paying monthly expenses and dealing with debt? Saving money even while you are getting out of debt and have a low income should not be as difficult as many people think. Of course, ...

How to Save Water at Home and Save Money on Bills This Summer

How to Save Water at Home and Save Money on Bills This Summer

We’re now just getting into the start of summer and hot, humid summer days are coming. With the rising temperatures comes an increase in water use for most Canadian households, which in turn means a spike in your monthly water bill. So we thought we’d take this time ...

Free and Cheap Things to Do in Toronto this Spring & Summer 2019

Free and Cheap Things to Do in Toronto this Spring & Summer 2019

The summer season is upon Canada and everyone’s excited for warm weather. Time to plan out some things to do in Toronto to enjoy the amazingly warm temperature of the Summer months. Summer is one of the best times of the year in Toronto. Lots of delightful events and ...

Consumer Proposals In Mississauga- What You Need To Know

Consumer Proposals In Mississauga- What You Need To Know

 In this video, Sean Killen, President of Richard Killen & Associates Ltd., answers frequently-asked questions on consumer proposals and bankruptcies in Mississauga. Do you see more consumer proposals or bankruptcies in Mississauga? Over the history of our office in ...

Consumer Proposal In Ontario: An Alternative To Bankruptcy

Consumer Proposal In Ontario: An Alternative To Bankruptcy

 Most people don’t want to declare bankruptcy in Ontario. Therefore, when they would go to a licensed insolvency trustee, they would be looking for an alternative to bankruptcy. The alternative that a trustee would provide is called a consumer proposal in Ontario. A ...

Alternatives To Bankruptcy In The Greater Toronto Area

Alternatives To Bankruptcy In The Greater Toronto Area

In this video, Richard Killen, a Licensed Insolvency Trustee with offices in Durham, and the Greater Toronto area talks about alternatives to bankruptcy for an insolvent person. People come to see us and the very first thing that comes out of their mouth is “I don’t want ...

8 Cheap and Free Things to Do in Toronto in the Winter

8 Cheap and Free Things to Do in Toronto in the Winter

Toronto is an exciting place during the winter and with these 8 cheap and free things to do you’ll definitely be in the mood to go out and enjoy all the not-to-be-missed experiences. If you’re tightening your budget after all the holiday spending, don’t worry. There are ...

Indoor & Outdoor Activities To Do In Toronto With Kids for Free

Indoor & Outdoor Activities To Do In Toronto With Kids for Free

You’re short on cash, its winter and are wondering what indoor or outdoor activities you can do with the kids for free or nearly free in Toronto. We love having our kids home for winter break. School is out, and they are at home most days with a lot of free time. Some ...


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About Richard Killen & Associates


Since 1992, Richard Killen & Associates, a Licensed Insolvency Trustee, have helped thousands of people resolve their financial problems. With 25 years experience in this industry, our president, Richard Killen, and the rest of our team understand the difficulties that honest people can sometimes find themselves in. This expertise makes it possible to provide you with a service that effectively deals with the issues.


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"Serving the GTA for 25 years."