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How Your Credit Rating is Affected

How Your Credit Rating is Affected

Richard Killen talks about how your credit will be affected should you declare bankruptcy in Toronto. ...
Bankruptcy Explained

Bankruptcy Explained

Richard Killen Licensed Insolvency Trustee and licensed consumer proposal administrator, talks about the fourth and final option available to you, declaring bankruptcy for resolving your financial troubles. ...
Do I Need to Meet My Creditors?

Do I Need to Meet My Creditors?

The last people you want to meet when going through a bankruptcy in Ontario is your creditors, right? You know, the people who have been sending you notices, phoning you non-stop, garnisheeing your wages and generally making your life difficult. What are the chances you ...
What Happens to Your Assets During a Bankruptcy

What Happens to Your Assets During a Bankruptcy

Richard Killen explains that you may still be able to keep your house and car during a bankruptcy. ...
10 Debt Danger Signals

10 Debt Danger Signals

After the expense of the holidays, many of us wonder how much debt is too much. Yes, Canadians are used to carrying record debt loads, but there comes a point where the burden may become too heavy.  Here are 10 danger signs that could reveal your spending is out of: ...
Divorce and Bankruptcy

Divorce and Bankruptcy

Divorce in Canada can be complicated when it comes to debt. Divorce can cause bankruptcy and bankruptcy can cause divorce. Study after study show that financial problems can lead to marital breakdown. Filing for bankruptcy as you go through a divorce, or after, can make ...
Gas Goes Down, Debt Goes Up

Gas Goes Down, Debt Goes Up

Apparently you can’t win. Gas prices go down, saving consumers money, but then the commodity-based Canadian economy is hurt by the shortfall in oil revenues, shown in the dropping loonie. You’ll have more money to spend on you next trip to Buffalo but it won& ...
Financial Resolutions for the New Year

Financial Resolutions for the New Year

The new year is a time of new beginnings. Many of us make resolutions to live more healthily, fix up our relationships and get our finances in order. While we can’t help you lose weight or improve your love life, we’d be happy to offer you eight suggestions so ...
Bankruptcy Assistance Program For Low Income Bankruptcy Help

Bankruptcy Assistance Program For Low Income Bankruptcy Help

The Bankruptcy Assistance Program OSB is a special program created by the Office of the Superintendent of Bankruptcy (OSB) for low-income bankruptcy help for people who are unable to afford the normal costs of filing a bankruptcy. Greater Toronto is an expensive place to ...
Will Bankruptcies Increase as Economy Improves?

Will Bankruptcies Increase as Economy Improves?

As the outlook gets rosier for the Canadian economy, those in deep dept may pay the price with bankruptcy. With the U.S. economy expected to undergo a widespread recovery next year, Canada will likely fall suit, with rising interest rates as well. Normally this would be ...



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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."