As an essential service, we are open to assist everyone during all phases of COVID-19 closures.

Debt Stress never takes a break, and we are always here to assist you with your debt problems.

Our staff take all the necessary precautions to prevent the spread of COVID-19. Our trustees are available for a consultation via phone, video call or where possible in person consultation. Visit here to book an initial consultation or call us at 1-888-545-5365.

If you have an active bankruptcy or proposal with us, we have you covered. See the details here.

Stay safe.
Richard Killen, LIT, CIRP

Richard Killen & Associates

Enjoying Every Minute Together.


If your debt stress is taking its toll on your health, family and career, we are here to help you get back on track financially. Put an end to sleepless nights and wondering how you’re going to make this month’s payments.

We have helped thousands of people in the GTA to get out of debt with a 99% percent success rate.  

A consumer proposal is a popular alternative to bankruptcy – partial repayment plan based on your means to provide debt relief.

Sometimes no matter how hard you try to meet your financial obligations, declaring bankruptcy is the only responsible solution.

This service provides better resources to manage finances & debt going forward. Reducing stress and keeping you financially fit.

We have assisted thousands of people like you to become debt free.


Recent Activity

Getting a Secured Credit Card to Restore Your Credit Rating

If you’ve recently filed bankruptcy or a consumer proposal, a secured credit card is a way to help you rebuild your credit rating and develop a stronger financial future. It’s not a fast track way to build credit or improve your score, but it’s a clear and simple step that...
rk190746502 S

How to Qualify for Installment Loans with Bad Credit in Canada

Qualifying for installment loans with bad credit in Canada can be very challenging, particularly after a bankruptcy or consumer proposal.  This is because your credit score plays a role in the rate you qualify for.  Financial lenders have to consider your relative risk as a...
do not cash in rrsps to pay taxe

Do Not Cash IN RRSP’s To Pay Taxes Owed In Ontario

Hi it's Richard Killen it's tax time again and some of us when we file taxes are going to owe money. And some of us who owe that money have RRSP’s. https://youtu.be/n4b1y0aK02Q I want to suggest to all of you if you're in that position where you have RRSP’s and you owe money...
do you owe taxes based on cerb b

Do You Owe Taxes Based ON CERB Benefits?

Hi I’m Richard Killen, you may be like a lot of people who received CERB benefits last year. https://youtu.be/9_qFHVSkp_I You were surprised to find out how much income tax you owe this year on all those benefits. I’m trying to tell people for quite a while now, that...
file your return by april 30 eve

File Your Return by April 30, Even If You Cannot Afford To Pay Taxes Owed

Hi I’m Richard Killen, if you're like me you're pretty fed up talking about covid and lockdowns so, I thought we'd talk about tax returns. https://youtu.be/-pxv5jrY6qk April 30th if you're weren't a self-employed person in 2020, is your deadline for filing your taxes. If you...
meeting on computer

Facebook Live Webinar: “Getting debt help: Where to go when you face financial difficulties”

CAIRP is hosting a Facebook webinar on Wednesday on how to get help with your debt. You may find this interesting. If you find yourself in debt, watch the webinar, then give us a call. We would welcome helping you to overcome any debt issues you may have. After watching...
ambitious adulting how to reach

Ambitious Adulting: How to Reach Financial Security in Your 20s

https://youtu.be/azM_OjOt20s This video episode talks about how you can manage your finances, make worthwhile investments and reach financial security in your 20s. Intro: Welcome to The Glass Is Half Full Talk Show. Let's face it, life can be tough in many ways. Here on The...
happy family in park

CAIRP Press Release

Fewer Canadians seeking debt relief during COVID crisis, those struggling urged to seek help from licensed professionals. According to a press release by the Canadian Association of Insolvency and Restructuring Professionals (CAIRP) they suggest that many people who should...
raising your vibrational frequen

Raising Your Vibrational Frequencies and Changing Your Life with Dawn James

This video episode talks about how you can raise your vibrational frequencies and change your life. https://youtu.be/01WPdvZwDqA Here is the transcript of the video: Intro: Welcome to The Glass Is Half Full Talk Show. Let's face it, life can be tough in many ways. Here on...
self employment

How to Create a Budget with Irregular Income

Following a budget can be challenging enough when you have a steady job that pays you a regular basic income, but can you imagine how extremely difficult it can be to create a budget with irregular income? With a regular income, you can predict exactly how much money you'll...

Contact Richard Killen
FREE No Commitment Consultation

Contact us now for a fresh start!

“Serving Toronto & the GTA for over 25 years.”



    cup half full book

    question and answer

    Recent Blog Posts

    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