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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.

DEBT RELIEF STARTS HERE!

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.  

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Consumer Proposals

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

Bankruptcy Solutions

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

Credit Counselling

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.

CALL ANY OF OUR OFFICES IN THE GTA FOR A FREE CONSULTATION WITH A TRUSTEE 1-888-545-5365

Recent Activity

Financial Literacy Month – How to Set Financial Goals

Another focus of this year’s Financial Literacy Month is to help Canadians learn how to set financial goals. It’s just basically figuring out three important things - Where your money should go, What you want it to do, and What you are saving it for. It's a critical step to...
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Why Do We Celebrate Remembrance Day?

We celebrate Remembrance Day in Toronto to remember and pay respect to our heroes who have lost their lives in service to our country since World War I. In giving their lives to serve the country they made the ultimate sacrifice for the freedoms and rights that we enjoy...
toronto skyline at fall

Cheap and Free Things to Do in Toronto in November 2019

So many cheap and free things to do in Toronto in November 2019, it’s going to be a busy month. But, if you’re low in budget, and are out to save a few bucks for the gift-giving season, don’t worry about missing out. You can still have so much fun without breaking the bank!...
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Announcing Our New Podcast

 Our Podcast is available on Apple Podcasts, Spotify, Google Podcast, Stitcher, iHeart Radio, TuneIN + Alexa and may other podcast apps. Look for The Glass Is Half Full Interview Show...
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Interview About Mortgage Insurance, Mortgages and Bankruptcy

https://youtu.be/1HgYvbMAkps In part two of the video interview with David Grossman, a mortgage broker, he and Richard Killen, a Licensed Insolvency Trustee discuss mortgage insurance and how mortgages work with bankruptcy in Ontario. Ontario Mortgage Insurance Explained...
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How To Get A Mortgage with Bad Credit

https://youtu.be/Kxl0sqBgWNM Richard Today we have with us, David Grossman. He's a mortgage broker with Rock Your Mortgage which serves the Greater Toronto Area. Dave has been arranging mortgages for people for over fifteen years now and he brings to us a wealth of...
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Announcing The Glass Is Half Full Interview Show

I’m Richard Killen, a Licensed Insolvency Trustee based in Toronto. We just celebrated 25 years in business helping people get out of debt. And over those years me and my team have witnessed firsthand many good people that have struggled with debt. And not just debt, but the...
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How to Save Money with Credit Cards

Many of us abuse the use of our credit cards and often end up in debt. However, if you can use the plastic in a responsible manner, you can actually save money with credit cards, and are often better off using them rather than paying in cash. Here are some money saving...
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4 Money Saving Tips That Can Help You to Save on Groceries

According to Statistics Canada, the average Canadian family of 4 people spends about $214 on food for each person every month. And, this is just for groceries and does not include eating out. Financial experts recommend cutting down this average budget to only $125 per...
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What Too Much Debt Looks Like In The Greater Toronto Area

According to Statistics Canada, Canadian families now roughly owe $1.78 for every $1 they earn. These debts include consumer credit, mortgage and non-mortgage loans. Yes, we’ve got too much debt and piled up credit card charges for home renovations and eating out, for...



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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

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