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How to Deal with Creditors during the Coronavirus Financial Crisis

If you are one of the hundreds of thousands of Canadians who only have CERB support payments to get you through this unprecedented time, and you have monthly debt payments to keep up with, the fundamental question is: How do you deal with creditors in this coronavirus crisis...
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Understanding the Financial Products You are Buying with John Shmuel

https://youtu.be/gwG1E2qmAT0 This video episode is about financial literacy. John Shmuel talks about understanding and comparing your options before making your financial decisions on insurance and mortgages. Richard Hi, I'm Richard Killen, welcome to The Glass Is Half Full...

How to Restructure Your Finances in a Covid-19 Crisis

The COVID-19 crisis continues and with the lockdown extended many businesses will continue to be closed and people will be out of work longer. While many Canadians are fortunate to still be working, the threat of suddenly getting laid off from work looms for many as the...
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Tracy L Clark – How To Listen To Your Intuition And Change Beliefs

https://youtu.be/Iu7U0uXzkTk This video episode is about listening to your body and getting in touch with your intuition. Richard I'm Richard Killen, welcome to The Glass Is Half Full program where we try to show people some really interesting ideas about what they can do to...

Is Your Canada Emergency Response Benefit (CERB) Safe from Wage Garnishment

The Canadian government has created the COVID-19 Emergency Response Act in response to the COVID-19 global crisis. Under this Act, workers all across Canada who have lost their income from the COVID-19 pandemic will receive financial support payments in the form of the...

Laid Off Due to the Coronavirus – Should I File a Bankruptcy or Consumer Proposal Now

The financial impact of the coronavirus is upon us with layoffs across a wide range of sectors leaving nearly half of Canadians now on the brink of insolvency. If you’re one of the millions laid off because of the coronavirus outbreak, you may be wondering if you should file...

4 Money Mistakes You Need to Stop Doing Now

You may have made at least a few money mistakes in your life. Maybe you didn’t shop around enough and made a wrong buying decision that cost you huge savings. Maybe you spend money so easily that sometimes you wonder where all your money went right after payday. Maybe you...
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What Debt Do You Pay First During a COVID-19 Financial Emergency?

The world has been brought almost to a stop as we focus on fighting the spread of the coronavirus. Throughout Canada, we see business after business shut down and hundreds of thousands of people laid off. Some closures may be temporary, for some it may be permanent as they...
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COVID-19 – Why We Need to Stay Home

  No one is immune to COVID-19. No matter how young you are. People of all ages can be infected by the new coronavirus. Older people, in particular and people with pre-existing medical conditions, such as asthma, diabetes, heart disease, kidney disease can become...
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Help for Individuals during the COVID-19 Pandemic

  The recent COVID-19 business closures have made it a lot more financially difficult. If your debt payments become unmanageable give us a call. We have also included some short relief options in the article below from the Toronto & York Region Labour Council. Stay...



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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.


    Serving the GTA for 25 years