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Highway No Longer Takes Toll on Bankruptcy

Highway No Longer Takes Toll on Bankruptcy

The operators of Ontario’s Highway 407 Express Toll Route (ETR) can  no longer arrange for vehicle permits to be withheld from bankrupt drivers, according to a recent Ontario’s Court of Appeal ruling. A January 2nd Toronto Star article states, “A recent series of ...

Consumer Proposal or Bankruptcy?

Consumer Proposal or Bankruptcy?

If you are coping with severe debt problems, you have five choices to deal with the crisis: Get a consolidation loan, try to negotiate with your creditors, run away, do a consumer proposal, or go bankrupt. The first three options you can handle yourself (we don’t ...

Cure Your Holiday Hangover with Credit Free Fridays

Cure Your Holiday Hangover with Credit Free Fridays

During the holiday season, the joy many of us feel is tempered by our dread at opening credit card invoices in January. Apparently we pay for our pleasures. We will make New Year’s resolutions and vow to shed weight at the gym and through dieting. Why not put your budget ...

A New Problem for the Old

A New Problem for the Old

While aging baby boomers aspire to a placid retirement, this dream is being threatened by a growing problem: senior debt. An August 2013 article in Financial Post says, for example, “A report provided ratings agency Equifax Canada shows average debt for consumers ...

Five Things You Should Know About Credit Cards

Five Things You Should Know About Credit Cards

Too often credit cards seem like easy money. Just hand it over to the clerk or type in the card number for your online purchase and, presto!, you have stuff. But you may pay to play. If you don’t take care of  your credit card balance on time, you can get penalized with ...

Will Bankruptcy Affect My Income?

Some people assume that if they file for bankruptcy they will have to turn over all their income to the trustee. Not true. But there are other concerns people have over their income. A question we are often asked is: Will bankruptcy affect my income? Will I lose any of ...

Surviving the End of the World

Surviving the End of the World

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 ...

The Road to Recovery

The Road to Recovery

It was a perfect storm of personal and professional misfortunes. Bryan was a successful independent marketing communications consultant, well respected in the business with a good network of friends. But in his late 50s he discovered that he had adult attention deficit ...

Why Choose Richard Killen & Associates

Why Choose Richard Killen & Associates

Richard Killen explains why you should contact Richard Killen and Associates Ltd if you are having financial difficulties. FacebookTwitterGoogle plusLinkedinXEmail








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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."