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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

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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...

Resources to Get Financial Help and Manage Bills and Debt Payments During Coronavirus

Much of our lives have been put on hold due to the impact of the coronavirus. Sadly, though, bills still keep coming in and due dates for debt payments haven’t stopped. As with many Canadians, your budget is not prepared for the potential economic impact of this pandemic...
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The New KOHO App Will Help You Get Your Finances In Order

https://youtu.be/m4RBdJcYelQ This video episode is about helping you get your finances in order and introducing you to a new powerful budgeting and savings app from KOHO. The app has a very unique way to help you save money on autopilot. KOHO is a new digital bank in Canada...
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How To Achieve Your Financial Goals In Less Than A Year

https://youtu.be/lXsOiaWnXM8 In this episode of The Glass Is Half Full, Richard Killen a Licensed Insolvency Trustee interviews Alanna Abramsky who saved $20,000 is less than a year. She will share the secrets on how to achieve your financial goals in just a short time. She...
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The Big Secret of Financial Success with Robert Gignac

https://youtu.be/MtamkI2HIsE In this episode of The Glass Is Half Full, Richard Killen a Licensed Insolvency Trustee interviews Robert Gignac, a speaker, writer and author talk about The Big Secret Of Financial Success. He is featured in many publications, including The...
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How To Save Money On Credit Cards And Travel With Barry Choi

https://youtu.be/r_tqDuQlSa0 This episode is about smart ways to use credit cards and consolidation loans to help you pay off your debt. Barry also discusses how to get more bang for your dollar when it comes to vacations. Barry Choi is a Toronto-based personal finance and...
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How To Save Money On Recurring Expenses With The Cash Flow Cookbook

https://youtu.be/ZI8nsoTTqN4 In this episode of The Glass Is Half Full, Richard Killen, a Licensed Insolvency Trustee interviews Gordon Stein, author of The Cash Flow Cookbook. Gordon is a keynote speaker and a writer with a passion for helping people build financial...
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How to Save on Valentine’s Day in Toronto

How can you save on Valentine’s Day - the most romantic day of the year?  It may seem impossible, but really the trick is simple: spend less and get more. You don’t have to fall prey to the hype and commercialization of Valentine’s Day and be pressured to empty out your...
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How to Pay Off Holiday Credit Card Debt Quickly

You’re now looking at your bank statements and credit card bills with wide eyes, and the amount of cash you’ve blown this past December is finally starting to sink in. It gets you wondering: What can I do to pay off holiday credit card debt quickly? It can be very scary to...



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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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