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# Richard Killen & Associates

The Most Stress Relieving Call You’ll Ever Make!

## Sitemaps

- [XML Sitemap](https://rkillen.ca/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [CRA Debt Canada: Why Waiting Until September Costs You More](https://rkillen.ca/cra-debt-canada-why-waiting-until-september-costs-you-more/) - CRA debt grows quickly with interest, penalties, and set-offs. Learn why waiting until September can cost more and what options may help.
- [Debt Repayment vs Vacation: How to Balance Fun and Financial Freedom](https://rkillen.ca/debt-repayment-vs-vacation-how-to-balance-fun-and-financial-freedom/) - Struggling with debt repayment vs vacation decisions this summer? Learn how to balance spending and debt while building a realistic financial plan in Canada.
- [Job Loss & Debt in Canada: How a Licensed Insolvency Trustee Can Help You Regain Control](https://rkillen.ca/job-loss-debt-in-canada-how-a-licensed-insolvency-trustee-can-help-you-regain-control/) - Losing your job while in debt? A Licensed Insolvency Trustee in Canada can stop collections, prevent garnishment, and help you regain control—even on EI.
- [Summer Vacation on Credit? What a Licensed Insolvency Trustee Wants You to Know About Vacation Debt in Canada](https://rkillen.ca/summer-vacation-on-credit-what-a-licensed-insolvency-trustee-wants-you-to-know-about-vacation-debt-in-canada/) - Learn the risks of funding a vacation on credit and how vacation debt in Canada can grow. A Licensed Insolvency Trustee explains your options.
- [The Canada Groceries and Essentials Benefit 2026: What It Means for Your Budget and Debt](https://rkillen.ca/the-canada-groceries-and-essentials-benefit-2026-what-it-means-for-your-budget-and-debt/) - Canada Groceries and Essentials Benefit 2026 starts July. Find out how payments work, who qualifies, and how CRA debt affects your benefit.
- [CRA Payment Arrangement: Can You Still Set One Up in Summer?](https://rkillen.ca/cra-payment-arrangement-can-you-still-set-one-up-in-summer/) - Learn if you can set up a CRA payment arrangement in summer and explore tax debt options before interest grows. Speak with a Licensed Insolvency Trustee.
- [Toronto Mortgage Renewal 2026: What Happens When Your Payments Jump by $1,000?](https://rkillen.ca/toronto-mortgage-renewal-2026-what-happens-when-your-payments-jump-by-1000/) - Facing a higher mortgage payment in 2026? Learn how Toronto homeowners can use a consumer proposal to reduce debt and keep their home.
- [What to Do If You Can’t Pay Taxes Canada by April 30](https://rkillen.ca/what-to-do-if-you-cant-pay-taxes-canada-by-april-30/) - Can’t pay taxes Canada by April 30? Explore CRA payment options, tax relief programs, and professional guidance to manage debt and avoid penalties.
- [Is It Too Late to Fix Debt Before Tax Deadline?](https://rkillen.ca/is-it-too-late-to-fix-debt-before-tax-deadline/) - It’s not too late to fix debt before the tax deadline. Get expert guidance from a Licensed Insolvency Trustee to manage balances and meet your obligations on time.
- [Should You Use Tax Refund to Pay Off Credit Card Debt?](https://rkillen.ca/should-you-use-tax-refund-to-pay-off-credit-card-debt/) - Wondering if you should use tax refund to pay off credit card debt? Discover practical advice, pros, cons, and strategies for Canadians.
- [Understanding Consumer Proposal vs Bankruptcy for Tax Debt](https://rkillen.ca/understanding-consumer-proposal-vs-bankruptcy-for-tax-debt/) - Discover the differences in a consumer proposal vs bankruptcy for tax debt and learn how a Licensed Insolvency Trustee can guide your best option.
- [CRA Wage Garnishment and Bank Account Freezes: How to Deal with Tax Debt](https://rkillen.ca/cra-wage-garnishment-and-bank-account-freezes-how-to-deal-with-tax-debt/) - Learn how to deal with CRA wage garnishment and bank account freezes from tax debt, and regain financial control with the help of a Licensed Insolvency Trustee.
- [Tax Refunds and Consumer Proposals in Canada: What You Need to Know](https://rkillen.ca/tax-refunds-and-consumer-proposals-in-canada-what-you-need-to-know/) - Learn how tax refunds and consumer proposals in Canada interact, what CRA rules mean for your refund, and how Licensed Insolvency Trustees can help.
- [CRA Taking Tax Refund? How an LIT Can Help](https://rkillen.ca/cra-taking-tax-refund-how-an-lit-can-help/) - Facing CRA taking tax refund? Our Licensed Insolvency Trustees in Toronto and the GTA can help stop garnishments and protect your refund.
- [Should You File Taxes If You Can’t Pay? Tips from a Trustee](https://rkillen.ca/should-you-file-taxes-if-you-cant-pay-tips-from-a-trustee/) - Struggling to pay your taxes? Learn how to file taxes if you can’t pay and explore CRA debt solutions with a Licensed Insolvency Trustee in the GTA.
- [Holiday Debt Relief Tips to Kickstart 2026 Right](https://rkillen.ca/holiday-debt-relief-tips-to-kickstart-2026-right/) - Start 2026 strong with expert holiday debt relief tips. Learn how to manage post-holiday bills and reset your finances for a debt-free new year.
- [Avoiding the January Credit Card Hangover: 7 Steps to Stay Debt-Free This Holiday](https://rkillen.ca/avoiding-the-january-credit-card-hangover-7-steps-to-stay-debt-free-this-holiday/) - Don’t let the January credit card hangover ruin your new year. Discover 7 ways to stay debt-free and manage Christmas expenses wisely.
- [Holiday Debt Relief Ontario: Where to Get Help Now](https://rkillen.ca/holiday-debt-relief-ontario-where-to-get-help-now/) - Struggling after seasonal spending? Discover practical holiday debt relief Ontario options like budgeting, consolidation, and consumer proposals.
- [January Debt Solutions: Your Fresh Start Begins Now](https://rkillen.ca/january-debt-solutions-your-fresh-start-begins-now/) - January debt solutions are your opportunity for a financial reset. Learn how to reduce debt, plan ahead, and get help from a Licensed Insolvency Trustee.
- [How to Handle Lingering Holiday Credit Card Debt - What to Do Before It Gets Worse](https://rkillen.ca/how-to-handle-lingering-holiday-credit-card-debt-what-to-do-before-it-gets-worse/) - Still carrying holiday credit card debt into spring? Explore relief strategies and see how a Licensed Insolvency Trustee can help you take control.
- [Holiday Budgeting for Families in Ontario: Avoiding Debt While Still Making Memories](https://rkillen.ca/holiday-budgeting-for-families-in-ontario-avoiding-debt-while-still-making-memories/) - Discover how holiday budgeting for families in Ontario can help you avoid debt, enjoy local events, and make lasting memories without breaking the bank.
- [Holiday Loans Ontario: Are They Ever a Good Idea?](https://rkillen.ca/holiday-loans-ontario-are-they-ever-a-good-idea/) - Compare holiday loans Ontario with credit cards, BNPL, LOCs & personal loans. Learn the best borrowing options before you take on holiday debt.
- [Is Holiday Credit Card Debt Pushing You Over the Limit?](https://rkillen.ca/is-holiday-credit-card-debt-pushing-you-over-the-limit/) - Struggling with holiday credit card debt? Learn how seasonal spending creeps up, what happens when you go over your limit, and how to take control.
- [When Holiday Loan Debt Turns Into Long-Term Trouble](https://rkillen.ca/when-holiday-loan-debt-turns-into-long-term-trouble/) - Holiday loan debt can linger long after the season ends. Learn how Ontarians can take control, find support, and stop short-term borrowing from becoming long-term stress.
- [How to Talk to a Licensed Insolvency Trustee in Ontario About Credit Card Debt](https://rkillen.ca/how-to-talk-to-a-licensed-insolvency-trustee-in-ontario-about-credit-card-debt/) - Facing credit card debt? A Licensed Insolvency Trustee Ontario can help. Discover your options and how to prepare for a confident first meeting.
- [Understanding the Psychology of Credit Card Spending – What Ontario Consumers Need to Know](https://rkillen.ca/understanding-the-psychology-of-credit-card-spending-what-ontario-consumers-need-to-know/) - Learn how the psychology of credit card spending shapes habits, triggers debt, and how Ontario consumers can take control with real solutions.
- [Student Loan Debt in Ontario: What Grads Need To Know](https://rkillen.ca/student-loan-debt-in-ontario-what-grads-need-to-know/) - Struggling with student loan debt in Ontario? Discover how the 7-year rule and a Licensed Insolvency Trustee could offer real relief.
- [Why Young Adults Are Filing for Bankruptcy in Ontario](https://rkillen.ca/why-young-adults-are-filing-for-bankruptcy-in-ontario/) - Filing for bankruptcy in Ontario helps young adults escape debt stress—learn why it’s a legal solution and how Licensed Insolvency Trustees guide recovery.
- [Money Mistakes Young Canadians Make in Their 20s](https://rkillen.ca/money-mistakes-young-canadians-make-in-their-20s/) - Avoid common money mistakes in your 20s. Get practical tips to manage debt, build savings, and make smarter financial choices starting today.
- [How Many Times Can You Make a Consumer Proposal?](https://rkillen.ca/how-many-times-can-you-make-a-consumer-proposal/) - Learn how many times you can file a consumer proposal in Canada, the legal limits, credit impact, and why speaking with a Licensed Insolvency Trustee matters.
- [Bankruptcy in Ontario: What It Means and Who It Helps](https://rkillen.ca/bankruptcy-in-ontario-what-it-means-and-who-it-helps/) - Bankruptcy in Ontario offers a fresh start when debt feels overwhelming. Learn who it helps, what it means, and how to find relief with trusted guidance.
- [How to Get Out of a Car Loan in Canada When You’re Struggling](https://rkillen.ca/how-to-get-out-of-a-car-loan-in-canada-when-youre-struggling/)
- [What Services Can a Licensed Insolvency Trustee Provide?](https://rkillen.ca/what-services-can-a-licensed-insolvency-trustee-provide/) - Take charge of your financial future. A Licensed Insolvency Trustee provides expert advice to help you manage debt and regain control with a clear plan.
- [Can I Keep My House If I Make a Consumer Proposal?](https://rkillen.ca/can-i-keep-my-house-if-i-make-a-consumer-proposal/)
- [Can A Consumer Proposal Reduce Or Eliminate Tax Debts Owed To The CRA?](https://rkillen.ca/can-a-consumer-proposal-reduce-or-eliminate-tax-debts-owed-to-the-cra/) - A consumer proposal can reduce CRA tax debt, allowing partial repayment over time while freezing interest and stopping collection actions. Learn how it can help manage tax debt.
- [Can a Licensed Insolvency Trustee Advice on Budgeting Tips?](https://rkillen.ca/can-a-licensed-insolvency-trustee-advice-on-budgeting-tips/) - Struggling with budgeting? A Licensed Insolvency Trustee offers guidance on managing expenses, improving cash flow, and achieving financial stability.
- [What is the Role of a Licensed Insolvency Trustee in Managing CRA Tax Debts?](https://rkillen.ca/what-is-the-role-of-a-licensed-insolvency-trustee-in-managing-cra-tax-debts/) - A Licensed Insolvency Trustee can help you manage CRA tax debts by offering guidance on managing payments, negotiating, and exploring debt relief options.
- [How is a Consumer Proposal a Viable Alternative to Bankruptcy in Canada](https://rkillen.ca/how-is-a-consumer-proposal-a-viable-alternative-to-bankruptcy-in-canada/)
- [Can You Adjust a Consumer Proposal](https://rkillen.ca/can-you-adjust-a-consumer-proposal/)
- [How Debt Impacts Your Quality of Life and How to Cope](https://rkillen.ca/how-debt-impacts-your-quality-of-life-and-how-to-cope/) - Is debt stressing you out? Is it taking its toll on your health, family and career? There are ways to solve your debt problems. Talk to us!
- [Financial Literacy - Key Skills for Preventing Debt Accumulation](https://rkillen.ca/financial-literacy-key-skills-for-preventing-debt-accumulation/)
- [Can You Keep a Credit Card During a Consumer Proposal?](https://rkillen.ca/can-you-keep-a-credit-card-during-a-consumer-proposal/) - When owning a credit card during a consumer proposal, here are some key points for managing existing credit card debt, obtaining a new card and managing it responsibly to rebuild credit.
- [Overview of the Legal Aspects of Debt Counselling in Toronto - Rights, Regulations, and Responsibilities](https://rkillen.ca/overview-of-the-legal-aspects-of-debt-counselling-in-toronto-rights-regulations-and-responsibilities/) - Take a look at some key legal aspects to explain the services that debt counselling in Toronto provides, the rules providers must follow, and your legal rights when you use them.
- [How Popular Is Credit Counselling in Toronto](https://rkillen.ca/how-popular-is-credit-counselling-in-toronto/)
- [Bankruptcy and Homeownership in Canada - Understanding the Immediate and Long-term Impact](https://rkillen.ca/bankruptcy-and-homeownership-in-canada-understanding-the-immediate-and-long-term-impact/)
- [Debt Consolidation vs Consumer Proposal: Understanding Your Debt Relief Options](https://rkillen.ca/debt-consolidation-vs-consumer-proposal-understanding-your-debt-relief-options/)
- [Understanding Voluntary Car Surrender in Canada: What You Need to Know](https://rkillen.ca/understanding-voluntary-car-surrender-in-canada-what-you-need-to-know/) - If you are considering a voluntary car surrender in Canada, book a consultation with one of our experienced Licensed Insolvency Trustees. There may be options available that you’ve not considered. You might be able to get debt relief and keep your car.
- [How to Get Tax Debt Relief in Canada - Step-by-Step Guide](https://rkillen.ca/how-to-get-tax-debt-relief-in-canada-step-by-step-guide/) - Tax debt relief in Canada include options such as repayment plans, taxpayer relief provisions, consumer proposal, or personal bankruptcy. Get tax debt help today.
- [Why Choose Richard Killen & Associates](https://rkillen.ca/why-us/) - Richard Killen explains why you should contact Richard Killen and Associates Ltd if you are having financial difficulties.
- [Why Richard Killen & Associates?](https://rkillen.ca/why-richard-killen-associates/) - Toronto Licensed Insolvency Trustee Richard Killen explains why you should consider using his company to help you get out of debt.
- [Why a bankruptcy trustee is like a bus driver](https://rkillen.ca/why-a-bankruptcy-trustee-is-like-a-bus-driver-2/) - I describe my job as being like a bus driver. Whether I am driving a bankruptcy bus or a proposal bus, or a consumer proposal, whichever one I’m driving, it’s going to take everybody to a certain destination.
- [Who Does a Bankruptcy Trustee Work For?](https://rkillen.ca/who-does-a-bankruptcy-trustee-work-for/) - Even though the bankruptcy trustee doesn't actually represent you the same way a lawyer or other professional does, he provides you with the best protection the law can supply.
- [What We Can Do to Stay Safe and Healthy as COVID-19 Lockdown Eases](https://rkillen.ca/what-we-can-do-to-stay-safe-and-healthy-as-covid-19-lockdown-eases/) - "Tips for staying safe as COVID-19 lockdown eases: wear a mask, keep distance, work from home, avoid physical contact, and touch surfaces less."
- [What Too Much Debt Looks Like In The Greater Toronto Area](https://rkillen.ca/what-too-much-debt-looks-like-in-the-greater-toronto-area/) - This article will walk you through how exactly you can figure out that you’re close to being in over your head with too much debt? Check to see how you stack up.
- [What is the Process?](https://rkillen.ca/what-is-the-process/) - Richard Killen talks about what the process is for choosing the best option to resolve your insolvency problems and how individual circumstances will determine the consequences.
- [Consumer Proposal Meaning- What Is a Consumer Proposal?](https://rkillen.ca/what-is-a-consumer-proposal/) - We explain “What Is a consumer proposal?” and the consumer proposal meaning where you pay only a portion of debt owed with no interest vs a consolidation loan.
- [What Happens to Your Assets During a Bankruptcy](https://rkillen.ca/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.
- [What Happens to My Retirement?](https://rkillen.ca/what-happens-to-my-retirement/) - Just because you’re retired or approaching retirement doesn’t mean you can’t run into credit or debt problems.
- [What Happens To My Job If I Go Bankrupt In Ontario](https://rkillen.ca/what-happens-to-my-job-if-i-go-bankrupt-in-ontario/) - In this video, Richard Killen, a Toronto-based Licensed Insolvency Trustee talks about if your job is affected by a bankruptcy. Generally speaking, it is not.
- [What Happens To My Debts If I Go Bankrupt](https://rkillen.ca/what-happens-to-my-debts-if-i-go-bankrupt/) - In this video, Richard Killen, a Toronto-based Licensed Insolvency Trustee talks about, What Happens To My Debts If I Go Bankrupt.
- [What Happens To My Co-signor?](https://rkillen.ca/what-happens-to-my-co-signor/) - In this video, Richard Killen, a Toronto-based Licensed Insolvency Trustee talks about, What Happens To My Co-signor?
- [What Happens If My Employer Declares Bankruptcy?](https://rkillen.ca/what-happens-if-my-employer-declares-bankruptcy/) - Get reliable and highly experienced advice from a Licensed Insolvency Trustee in Scarborough and Toronto if your employer suddenly declares bankruptcy.
- [What Happens If You Default On A Consumer Proposal?](https://rkillen.ca/what-happens-if-i-default-on-my-consumer-proposal/) - Do you have a consumer proposal that you are struggling to pay and your wondering "what happens if you default on a consumer proposal"? Read before defaulting.
- [What Debt Do You Pay First During a COVID-19 Financial Emergency?](https://rkillen.ca/what-debt-do-you-pay-first-during-a-covid-19-financial-emergency/) - Learn how to prioritize debts and bills during a COVID-19 financial emergency. Prioritize high-priority bills like utilities and rent payments first.
- [What assets are you allowed to keep after you go bankrupt?](https://rkillen.ca/what-assets-are-you-allowed-to-keep-after-you-go-bankrupt/) - Richard Killen, Licensed Insolvency Trustee gives useful insight on the topic of what assets are your allowed to keep in a bankruptcy procedure.
- [What Are The Different Types Of Creditors](https://rkillen.ca/what-are-the-different-types-of-creditors/) - In this video, Richard Killen, a Toronto-based Licensed Insolvency Trustee talks about, What Are The Different Types Of Creditors.
- [What Are the Alternatives in Coping With a Debt Crisis?](https://rkillen.ca/what-are-the-alternatives-in-coping-with-a-debt-crisis/) - Everyone’s situation is different. To decide what is the best method of dealing with your debt problems, you need expert advice.
- [Welcome Message From Richard](https://rkillen.ca/welcome-message-from-richard/) - A welcome message from Richard Killen Trustee in bankrupcty and licensed consumer proposal administrator.
- [Walking In The Door](https://rkillen.ca/walking-in-the-door/) - A seminar given to employees of credit unions throughout Ontario. Titled Bankruptcy/Consumer Proposals.
- [Verifying Statement of Affairs](https://rkillen.ca/verifying-statement-of-affairs/) - Learn the process of verifying a statement of affairs in a bankruptcy case. Know the importance of having detailed info about assets and property disposals.
- [Understanding your credit rating](https://rkillen.ca/understanding-your-credit-rating/) - "Learn how to manage your debt and improve your credit rating. Understand how credit reports work and how to correct inaccurate information."
- [Understanding our cashflow is the key to managing our debt](https://rkillen.ca/understanding-our-cashflow-is-the-key-to-managing-our-debt/) - Identifying your spending style and taking positive steps to managing your debt will put you on the right financial path in the coming year.
- [Trustees Report](https://rkillen.ca/trustees-report/) - Learn why choosing a consumer proposal over bankruptcy may be a better deal for you. Read Richard Killen & Associates' Trustees Report to find out more.
- [Things You Can Do in Toronto for Free or for Cheap While Paying Off Debt](https://rkillen.ca/things-you-can-do-in-toronto-for-free-or-for-cheap-while-paying-off-debt/) - This article outlines free and cheap activities in Toronto for those struggling with debt. Suggestions include art galleries, parks and shopping.
- [The Role of a Licensed Insolvency Trustee in Mississauga](https://rkillen.ca/the-role-of-a-licensed-insolvency-trustee-in-mississauga/) - Understand the role of a Licensed Insolvency Trustee in Mississauga and how important they can be when undergoing a difficult time in life such as bankruptcy.
- [The Road to Recovery](https://rkillen.ca/the-road-to-recovery/) - "From bankruptcy to recovery: Bryan's journey. Overcoming financial struggles, ADD and depression. Regaining control of his life and self-esteem."
- [The New KOHO App Will Help You Get Your Finances In Order](https://rkillen.ca/the-new-koho-app-will-help-you-get-your-finances-in-order/) - This video will show you how the KOHO app will help you to budget and save money in Canada. The app has a unique way of helping you to save money on auto pilot.
- [The Misconceptions Around Bankruptcy](https://rkillen.ca/the-misconceptions-around-bankruptcy/) - Richard Killen Licensed Insolvency Trustee explains that you will not lose all your assets.
- [The Big Secret of Financial Success with Robert Gignac](https://rkillen.ca/the-big-secret-of-financial-success-with-robert-gignac/) - In this video, Robert Gignac shares the Big Secret Of Financial Success. He shares his secrets and tips for everyone to enjoy personal success.
- [Stop Harassment by Creditors](https://rkillen.ca/stop-harassment-by-creditors/) - In Ontario, the Collections Agencies Act lays out the boundaries that, when crossed, constitute illegal harassment.
- [Surviving the End of the World](https://rkillen.ca/surviving-the-end-of-the-world/) - "Surviving the End of the World" article offers advice for severe debt problems. Learn how to manage the crisis and begin the road to recovery.
- [Scared to Death of Taxes](https://rkillen.ca/scared-to-death-of-taxes/) - Death and taxes are inevitable. For some, they are the same thing. Consult an expert at Richard Killen & Associates so you can discover your options and keep the tax man off your back.
- [Serenity After Trial](https://rkillen.ca/serenity-after-trial/) - Article: "Serenity After Trial" shares Karen's experience with bankruptcy. Richard Killen & Associates helped Karen manage the bankruptcy process.
- [7 Year Itch](https://rkillen.ca/seven-year-itch/) - Richard Killen Licensed Insolvency Trustee explains the truth about not getting credit for 7 years after going bankrupt.
- [Richard Killen's Christmas Message 2019](https://rkillen.ca/richard-killens-christmas-message-2019/) - Richard Killen reflects on the importance of a positive attitude in facing life's challenges in his 2019 Christmas message. Wishing all a happy holiday season.
- [Richard Killen on Tunedin with Lucy Zilio](https://rkillen.ca/richard-killen-on-tuned-in-with-lucy-zilio/) - In this video, Lucy Zilio talks with Richard Killen on Richard Killen & Associated 25th Anniversary. Richard, a Licensed Insolvency Trustee (LIT) talks about more and more people with debt challenges choose a consumer proposal over bankruptcy. Watch the video for more information.
- [Richard Explains The Bankruptcy Process](https://rkillen.ca/richard-killen-explains-the-bankruptcy-process/) - Toronto Licensed Insolvency Trustee Richard Killen explains how the bankruptcy process works.
- [Rich, Richer. Poor, Poorer](https://rkillen.ca/rich-richer-poor-poorer/) - Apparently, the wealth gap is growing in this country, as the rich get richer and the poor get poorer.
- [Relief From Collection Agencies](https://rkillen.ca/relief-from-collection-agencies/) - Get relief from collection agencies! As a Licensed Insolvency Trustee, Richard Killen & Associates can stop collection calls and lawsuits. Contact us now!
- [Recover from Holiday Overspending with these Quick Fixes ](https://rkillen.ca/recover-from-holiday-overspending-with-these-quick-fixes/) - Learn how to cut expenses & earn extra income to pay off debt.
- [Proposals Explained Pt 1](https://rkillen.ca/proposals-explained-pt1-2/) - Richard discusses bankruptcy and consumer proposals in this seminar for Ontario credit union employees. Watch the video to learn more.
- [Pre-Retirement Canadians Embrace Mortgage Debt](https://rkillen.ca/pre-retirement-canadians-embrace-mortgage-debt/) - "Discover why pre-retirement Canadians are increasingly embracing mortgage debt as they approach their golden years, and the risks and benefits involved."
- [More Ways to Cut Spending During the COVID-19 Lockdown](https://rkillen.ca/more-ways-to-cut-spending-during-the-covid-19-lockdown/) - "More ways to save during COVID-19 lockdown: consider suspending auto insurance, reducing coverage, switching providers, and using free apps."
- [Money Doesn’t Grow on Trees](https://rkillen.ca/money-doesnt-grow-on-trees/) - For more than 20 years, Bill had run a successful Toronto tree care business, doing tree removals, pruning, planting and much more. His finances fell into the rhythm of the growing season.
- [Long Car Loans Drive us into Debt](https://rkillen.ca/long-car-loans-drive-us-into-debt/) - "Canadian car buyers are taking out longer car loans, leading to increased debt. Stick to a maximum of five years and 20% down payment to avoid trouble."
- [How to Qualify for Installment Loans with Bad Credit in Canada](https://rkillen.ca/how-to-qualify-for-installment-loans-with-bad-credit-in-canada/) - Qualifying for installment loans with bad credit in Canada can be difficult, but it is possible if you can prove your creditworthiness.
- [Indoor & Outdoor Activities To Do In Toronto With Kids for Free](https://rkillen.ca/indoor-outdoor-activities-to-do-in-toronto-with-kids-for-free/) - You’re short on cash, its winter and here is the list of indoor and outdoor activities you can do with the kids for free or nearly free in Toronto and the GTA.
- [Getting a Secured Credit Card to Restore Your Credit Rating](https://rkillen.ca/getting-a-secured-credit-card-to-restore-your-credit-rating/) - A secured credit card is an effective financial tool to develop a strong payment history and rebuild your credit rating after bankruptcy or a consumer proposal.
- [Free and Cheap Things to Do in Toronto this Spring & Summer 2019](https://rkillen.ca/free-and-cheap-things-to-do-in-toronto-this-spring-summer-2019/) - Discover free and cheap things to do in Toronto this Spring and Summer 2019, from cherry blossom viewing to hiking and birdwatching at local parks.
- [Financial Literacy Month - How to Set Financial Goals](https://rkillen.ca/financial-literacy-month-how-to-set-financial-goals/) - Learn how to set financial goals this Financial Literacy Month. Budgeting, paying off debt, and saving for emergencies and retirement are key.
- [Do Not Cash IN RRSP's To Pay Taxes Owed In Ontario](https://rkillen.ca/do-not-cash-in-rrsps-to-pay-taxes-owed-in-ontario/) - Richard Killen advises against cashing in RRSPs to pay taxes owed in Ontario. Instead, explore other options that allow you to keep your RRSPs.
- [Crushing Debt - Why You Should Pay Off Your Debt](https://rkillen.ca/crushing-debt-why-you-should-pay-off-your-debt/) - "Crushing Debt - Why You Should Pay Off Your Debt" by David Trahair outlines the evils of debt and suggests solutions for Canadians struggling with debt.
- [COVID-19 - Why We Need to Stay Home](https://rkillen.ca/covid-19-why-we-need-to-stay-home/) - Learn why social distancing is crucial to slow the spread of COVID-19, and how it can literally save lives. Each of us has a huge role to play.
- [Consumer Proposals in Toronto](https://rkillen.ca/consumer-proposals-in-toronto/) - A Consumer Proposal in Toronto or anywhere else in the world can only be made through a Licensed Insolvency Trustee (LIT) by an Insolvent Person.
- [Consumer Proposals In Mississauga- What You Need To Know](https://rkillen.ca/consumer-proposals-in-mississauga-what-you-need-to-know/) - In this video, Sean Killen, of Richard Killen & Associates Ltd., answers frequently-asked questions on consumer proposals and bankruptcies in Mississauga.
- [Consumer Proposal Vs Bankruptcy – What Is the Difference?](https://rkillen.ca/consumer-proposal-vs-bankruptcy-which-to-choose/) - Blog and video explaining the difference between a consumer proposal and bankruptcy to help you decide on a consumer proposal vs bankruptcy for debt relief.
- [Consumer Proposal Rejection?](https://rkillen.ca/consumer-proposal-rejection/) - Though it is not a great sign, a rejection of your consumer proposal, along with a subsequent meeting, is just part of the process.
- [Consumer Proposal or Bankruptcy?](https://rkillen.ca/consumer-proposal-or-bankruptcy/) - If you are coping with severe debt problems, you have five choices to deal with the crisis: Get a consolidation loan, try to negotiate with your creditors, run away, do a consumer proposal, or go bankrupt.
- [Consumer Proposal In Ontario: An Alternative To Bankruptcy](https://rkillen.ca/consumer-proposal-in-ontario-an-alternative-to-bankruptcy/) - This video explains why Torontonians choose a consumer proposal in Ontario as an alternative to bankruptcy and how the process works with an insolvency trustee.
- [Consumer Proposal Explained](https://rkillen.ca/consumer-proposal-explained/) - Richard Killen Trustee in Bankruptcy explains how a consumer proposal works.
- [Christmas Credit Hangover](https://rkillen.ca/christmas-credit-hangover/) - In this video, Richard Killen, Licensed Insolvency Trustee based in Toronto talks about buying Christmas gifts on credit cards.
- [Cheap Summer Fun in Toronto](https://rkillen.ca/cheap-summer-fun-in-toronto/) - If you are trying to save money this summer, why not stay in the city and enjoy some of its pleasures?
- [Cheap and Free Things to Do in Toronto in November 2019](https://rkillen.ca/cheap-and-free-things-to-do-in-toronto-in-november-2019/) - Discover budget-friendly events in Toronto this November, including Remembrance Day ceremonies, the Santa Claus Parade, and the Toronto Christmas Market.
- [Canadians Groan Under Unprecedented Debt Burden](https://rkillen.ca/canadians-groan-under-unprecedented-debt-burden/) - “I owe, I owe, it’s off to work I go” is what Canadian are apparently singing to themselves these days.
- [Can I Still Operate a Business](https://rkillen.ca/can-i-still-operate-a-business/) - Richard Killen explains the truth behind your limitations or restrictions during a bankruptcy or consumer proposal.
- [Can I Include Income Tax Debt In My Bankruptcy in Durham, Ontario?](https://rkillen.ca/can-i-include-income-tax-debt-in-my-bankruptcy-in-durham-ontario/) - Learn from Richard Killen, a Licensed Insolvency Trustee in Durham, Ontario, if income tax debt can be included in a personal bankruptcy in Ontario.
- [Can I Cancel My Personal Bankruptcy in Toronto, Ontario?](https://rkillen.ca/can-i-cancel-my-personal-bankruptcy-in-toronto-ontario/) - The bankruptcy cannot be canceled once it's filed in the courts. It's an official legal process and it's not going to be canceled outright.
- [Gail Vaz Oxlade Budget Calculator for the True Cost of Debt](https://rkillen.ca/calculating-the-true-cost-of-debt/) - Many people don’t have a clear idea of what their debt really costs them, the Gail Vaz Oxlade budget calculator can be used to calculate the true cost of debt.
- [CAIRP Press Release](https://rkillen.ca/cairp-press-release/) - CAIRP reports fewer Canadians seeking debt relief during COVID crisis, but urges those struggling to seek help from licensed professionals.
- [Best and Worst Ways to Get Money Quickly in a COVID-19 Financial Crisis](https://rkillen.ca/best-and-worst-ways-to-get-money-quickly-in-a-covid-19-financial-crisis/) - Discover the best and worst ways to get money quickly in a COVID-19 financial crisis. From EI to payday loans, weigh the pros and cons carefully.
- [Being Human: Debt relief is just a phone call away](https://rkillen.ca/being-human-debt-relief-is-just-a-phone-call-away/) - A debt relief program can put you back on the road to financial security sooner than you think. Whether a consumer proposal or bankruptcy we are here to help.
- [A New Name - Licensed Insolvency Trustee](https://rkillen.ca/a-new-name-licensed-insolvency-trustee/) - Effective April 1st, 2016, Trustees will be called “Licensed Insolvency Trustees”. They offer solutions for both corporate and personal insolvency issues.
- [2018 INSOLVENCY & RESTRUCTURING EXCHANGE](https://rkillen.ca/2018-insolvency-restructuring-exchange/) - This event is the best place for professionals from consumer and corporate restructuring practices to network and learn together.
- [Bankruptcy Assistance Program For Low Income Bankruptcy Help](https://rkillen.ca/help-with-the-bankruptcy-assistance-program/) - The Bankruptcy Assistance Program (OSB) is a program for low income bankruptcy help for people who are unable to afford the normal costs of filing a bankruptcy
- [Stop Collection Calls And Harassing Phone Calls In Toronto](https://rkillen.ca/how-do-you-stop-collection-calls-in-toronto/) - Many Toronto residents wonder how they can stop collection calls and harassing phone calls from debt collectors. This post and video talk about your options.
- [Debt Consultant- Canadian Debt Alert!](https://rkillen.ca/debt-consultant-canadian-debt-alert/) - According to this new report, many more Canadians are getting further into debt. If this sounds familiar, it may be time to talk to a Toronto debt consultant.
- [Laid Off Due to the Coronavirus - Should I File a Bankruptcy or Consumer Proposal Now](https://rkillen.ca/laid-off-due-to-the-coronavirus-should-i-file-a-bankruptcy-or-consumer-proposal-now/) - Learn whether filing for bankruptcy or a consumer proposal is necessary after losing your job due to the coronavirus outbreak. Get expert advice now.
- [Is Your Canada Emergency Response Benefit (CERB) Safe from Wage Garnishment](https://rkillen.ca/is-your-canada-emergency-response-benefit-cerb-safe-from-wage-garnishment/) - Canadian Emergency Response Benefit (CERB) payments cannot be garnished except for one exception. Contact a Licensed Insolvency Trustee for advice.
- [Five Reasons People Consider Declaring Bankruptcy](https://rkillen.ca/five-reasons-people-consider-declaring-bankruptcy/) - Many people believe that declaring bankruptcy is a sign of financial mismanagement, this is not always the case. Here are the top 5 reasons for bankruptcy.
- [How Much Debt is too Much Debt?](https://rkillen.ca/how-much-debt-is-too-much-debt/) - Generally speaking, if you're worried that your debt level is too high, it probably is.
- [Resources  to Get Financial Help and Manage Bills and Debt Payments During Coronavirus](https://rkillen.ca/resources-to-get-financial-help-and-manage-bills-and-debt-payments-during-coronavirus/) - "Find resources for financial help during Coronavirus. Discover government programs, bank assistance, and utility bill relief to manage debt and bills."
- [What is the minimum debt required to Declare Bankruptcy in Scarborough Ontario?](https://rkillen.ca/what-is-the-minimum-debt-required-to-declare-bankruptcy-in-scarborough-ontario/) - In this video, Richard Killen, a Scarborough Ontario based Licensed Insolvency Trustee talks about the minimum requirements for personal bankruptcy in Ontario.
- [What happens to my tax refund in a bankruptcy or consumer proposal in Brampton?](https://rkillen.ca/what-happens-to-my-tax-refund-in-a-bankruptcy-or-consumer-proposal-in-brampton/) - Learn how bankruptcy or consumer proposal affects tax refunds in Brampton. Income tax debts are dischargeable, and experts can help with debt relief.
- [Facebook Live Webinar: "Getting debt help: Where to go when you face financial difficulties"](https://rkillen.ca/facebook-live-webinar-getting-debt-help-where-to-go-when-you-face-financial-difficulties/) - Learn how to get help with debt in CAIRP's Facebook Live panel discussion on Nov 25, 2020. Licensed Insolvency Trustees will share their views.
- [Why Do We Celebrate Remembrance Day?](https://rkillen.ca/why-do-we-celebrate-remembrance-day/) - Learn why we celebrate Remembrance Day in Toronto to honor the sacrifice of heroes who lost their lives in service to our country since World War I.
- [Informal Arrangements Need Full Agreement](https://rkillen.ca/informal-arrangements-need-full-agreement/) - Learn about informal debt arrangements where creditors agree to reduced payment obligations. But, getting everyone to agree can be a challenge.
- [How to Save Water at Home and Save Money on Bills This Summer](https://rkillen.ca/how-to-save-water-at-home-and-save-money-on-bills-this-summer/) - Article: "How to Save Water at Home and Save Money on Bills This Summer". Tips for indoor and outdoor water conservation to reduce bills.
- [How to Save Money When You Are Broke](https://rkillen.ca/how-to-save-money-when-you-are-broke/) - Tips on saving money when you're broke: create a budget, reduce household expenses (water, energy, groceries), quit bad habits, and save for emergencies.
- [How To Rewrite Reality and Destroy Your Limiting Beliefs](https://rkillen.ca/how-to-rewrite-reality-and-destroy-your-limiting-beliefs/) - Learn how to rewrite your reality and destroy your limiting beliefs in this interview with Shiraz. Discover the power of your beliefs and unlock your potential.
- [How to Restructure Your Finances in a Covid-19 Crisis](https://rkillen.ca/how-to-restructure-your-finances-in-a-covid-19-crisis/) - "Learn how to restructure your finances during a COVID-19 crisis with these tips. Reduce your expenses, adjust your budget, and prioritize your bills."
- [How to Pay Off Holiday Credit Card Debt Quickly](https://rkillen.ca/how-to-pay-off-holiday-credit-card-debt-quickly/) - Learn how to pay off holiday credit card debt quickly and create a realistic debt payment plan to eliminate debt as soon as possible.
- [How to Deal with Creditors during the Coronavirus Financial Crisis](https://rkillen.ca/how-to-deal-with-creditors-during-the-coronavirus-financial-crisis/) - "Struggling to meet your debt payments due to COVID-19? Learn how to deal with creditors with payment deferrals, loan extensions and more."
- [How to Create a Budget with Irregular Income](https://rkillen.ca/how-to-create-a-budget-with-irregular-income/) - Learn how to budget with irregular income, whether you're self-employed, a freelancer, or have a side gig. Tips on tracking expenses and saving for emergencies.
- [Help for Individuals during the COVID-19 Pandemic](https://rkillen.ca/help-for-individuals-during-the-covid-19-pandemic/) - Get help with finances during COVID-19 with this article by Labour Community Services and Toronto & York Region Labour Council. Access resources and advice.
- [Graduating Into Debt](https://rkillen.ca/graduating-into-debt/) - Article: Graduating Into Debt. Many students graduate with huge debts that they may find hard to pay off. Bankruptcy and proposal options discussed.
- [Getting out of debt on your own](https://rkillen.ca/getting-out-of-debt-on-your-own/) - Get out of debt on your own with a clear plan. Calculate what you owe, make a budget, and negotiate with creditors. Richard Killen & Associates can help.
- [Five Myths About Bankruptcy](https://rkillen.ca/five-myths-about-bankruptcy/) - Learn the truth behind common misconceptions about bankruptcy. Discover how filing for bankruptcy can help you regain control over your finances.
- [File Your Return by April 30, Even If You Cannot Afford To Pay Taxes Owed](https://rkillen.ca/file-your-return-by-april-30-even-if-you-cannot-afford-to-pay-taxes-owed/) - Richard Killen advises filing tax returns by the deadline, even if you cannot afford to pay taxes owed. Avoid penalties by getting your return filed.
- [Do You Owe Taxes Based ON CERB Benefits?](https://rkillen.ca/do-you-owe-taxes-based-on-cerb-benefits/) - Richard Killen advises those owing taxes on CERB benefits to not worry, as there are options available to resolve the issue. Contact his firm for help.
- [Declaring bankruptcy in Toronto](https://rkillen.ca/declaring-bankruptcy-in-toronto/) - Learn how to overcome crushing debt with "Crushing Debt - Why You Should Pay Off Your Debt" by David Trahair. Get solutions for Canadian debt struggles.
- [Back to School Budgeting Tips](https://rkillen.ca/back-to-school-budgeting-tips/) - Get tips to save on back-to-school expenses: take inventory of what your kids really need, look for sales, don't overspend on brand names, and more.
- [Announcing The Glass Is Half Full Interview Show](https://rkillen.ca/announcing-the-glass-is-half-full-interview-show/) - "Join Richard Killen, a Licensed Insolvency Trustee in Toronto, for expert advice and personal stories on overcoming financial challenges on his podcast."
- [Announcing Our New Podcast](https://rkillen.ca/announcing-our-new-podcast/) - Introducing "The Glass Is Half Full Interview Podcast". Listen on Apple Podcasts, Spotify, Google Podcast, Stitcher, iHeart Radio, TuneIN + Alexa, and more.
- [4 Real Ways to Make Money Online and Increase Your Budget](https://rkillen.ca/4-real-ways-to-make-money-online-and-increase-your-budget/) - Learn 4 real ways to make money online and increase your budget. Discover how to earn unlimited income and make a decent income from legit online opportunities.
- [4 Money Mistakes You Need to Stop Doing Now](https://rkillen.ca/4-money-mistakes-you-need-to-stop-doing-now/) - "Learn about common money mistakes to avoid, such as overspending, not having a budget, carrying credit card debt, and lacking an emergency fund."
- [3 Popular Ways You Can Make Extra Money to Pay Off Debt](https://rkillen.ca/3-popular-ways-you-can-make-extra-money-to-pay-off-debt/) - Learn how to make extra money to pay off your debts. Sell items online, drive for Uber or Lyft, or rent out your home or a spare room on Airbnb.
- [2 Things You Can Do To Take Control of Debt](https://rkillen.ca/2-things-you-can-do-to-take-control-of-debt/) - Get advice for managing debt in Canada. Learn how to monitor your debt, recognize when you need help, and seek assistance from a licensed insolvency trustee.
- [10 Signs of Debt Trouble](https://rkillen.ca/10-signs-of-debt-trouble/) - Ignoring debt is dangerous. 10 warning signs you're sinking too deep. Seek expert advice from Richard Killen & Associates for debt solutions.
- [Getting A Mortgage After A Consumer Proposal](https://rkillen.ca/would-services-of-a-trustee-prevent-me-from-getting-a-mortgage/) - In this video, a Toronto-based Licensed Insolvency Trustee talks about "Getting a Mortgage after a consumer proposal" and mortgage renewals during a proposal.
- [Will my Spouse be Affected?](https://rkillen.ca/will-my-spouse-be-affected/) - Richard Killen explains how your spouse may be affected during a bankruptcy.
- [Will My Boss Find Out About My Bankruptcy?](https://rkillen.ca/will-my-boss-find-out-about-my-bankruptcy/) - In this video, Richard Killen, a Toronto-based Licensed Insolvency Trustee talks about if the boss can find out about the bankruptcy.
- [Will I Lose My Home in a Bankruptcy?](https://rkillen.ca/will-i-lose-my-home-in-a-bankruptcy/) - The fear of losing your home is a powerful one. When their finances go south, many imagine that bankruptcy will leave them homeless.
- [Will I Lose My Home If I Go Bankrupt?](https://rkillen.ca/will-i-lose-my-home-if-i-go-bankrupt/) - In this video, a Toronto Licensed Insolvency Trustee answers the question most homeowners ask, Will I lose my home if I go bankrupt or do a consumer proposal?
- [Will Bankruptcy Affect My Income?](https://rkillen.ca/will-bankruptcy-affect-my-income/) - Some people assume that if they file for bankruptcy they will have to turn over all their income to the trustee. Not true.
- [Will Bankruptcies Increase as Economy Improves?](https://rkillen.ca/will-bankruptcies-increase-as-economy-improves/) - While an improvement in the economy would normally be accompanied by a fall in the number of bankruptcies, our financial situations are so precarious that a small rise in interest rates could have disastrous consequences.
- [Why Do People Go Bankrupt?](https://rkillen.ca/why-do-people-go-bankrupt/) - Well, because their debts exceed their means to pay them. More than 118,000 Canadians a year are filing for bankruptcy or doing consumer proposals.
- [Why A Trustee Is Like A Bus Driver?](https://rkillen.ca/why-a-bankruptcy-trustee-is-like-a-bus-driver/) - Discover similarities between a trustee & a bus driver in this informative talk. Learn how these roles guide a group of individuals toward a common goal.
- [Licensed Insolvency Trustee Explains Consumer Proposals](https://rkillen.ca/licensed-insolvency-trustee-explains-consumer-proposals/) - In this video, a Toronto Licensed Insolvency Trustee, explains in simple language how consumer proposals work as many people are not terribly familiar with them.
- [Licensed Insolvency Trustee Advice: 4 Things for Debt Solutions](https://rkillen.ca/licensed-insolvency-trustee-advice-4-things-for-debt-solutions/) - A Licensed Insolvency Trustee can work with you and show you all of your options and help you find the right debt solution to alleviate all your worry and stress
- [Letter from Creditors after Bankruptcy? Call a Licensed Insolvency Trustee](https://rkillen.ca/letter-from-creditors-after-bankruptcy-call-a-licensed-insolvency-trustee/) - Richard Killen, Licensed Insolvency Trustee gives useful insight as to why you may receive a letter from your Creditor. No matter the case maybe, it is best to call up a trustee.
- [It’s the Little Savings That Count](https://rkillen.ca/its-the-little-savings-that-count/) - There are probably many other things going on in your life that drain your financial resources without giving you much (or any) value in return. Sit down and make an inventory.
- [It’s that time again: Tips to help make tax time easier](https://rkillen.ca/its-that-time-again-tips-to-help-make-tax-time-easier/) - To help with the overwhelming tax filing season, Licensed Insolvency Trustee in Toronto, Killen and Associates offers advice so you can make the process easy and stress-free.
- [Is your credit rating affected?](https://rkillen.ca/is-your-credit-rating-affected/) - Licensed Insolvency Trustee in the GTA area, Richard Killen, talks about the how your credit rating will be impacted by your current financial situation.
- [Is Money the Root of All Evil?](https://rkillen.ca/is-money-the-root-of-all-evil/) - As many of us struggle with our finances, we have a love-hate relationship with the all-mighty dollar.
- [Is A Payday Loan A Good Idea?](https://rkillen.ca/is-a-payday-loan-a-good-idea/) - In this video, Richard Killen, a Scarborough-based Licensed Insolvency Trustee talks about whether a Payday loan is a good idea to consider.
- [Interview About Mortgage Insurance, Mortgages and Bankruptcy](https://rkillen.ca/interview-about-mortgage-insurance-mortgages-and-bankruptcy/) - Mortgage broker explains mortgage insurance, how RESP's and other assets play out during bankruptcy and answer the question will I lose my house in bankruptcy?
- [Instant relief](https://rkillen.ca/instant-relief/) - Richard Killen explains the kind of relief you will feel after just with one visit to Richard Killen & Associates.
- [Insolvency Solutions and Information on the Internet](https://rkillen.ca/insolvency-solutions-and-information-on-the-internet/) - There is a lot of information on the internet about personal insolvency solutions however there are many factors to consider and it’s not always black and white
- [Informal Arrangements](https://rkillen.ca/informal-arrangements/) - Richard Killen explains the circumstances around the option of an informal arrangement with your creditors.
- [In Toronto Are My Spouse’s Assets Affected By My Bankruptcy?](https://rkillen.ca/in-toronto-are-my-spouses-assets-affected-by-my-bankruptcy/) - If an asset is not commonly owned or jointly owned by both you and your spouse, then their assets are not affected.
- [How Your Credit Rating is Affected](https://rkillen.ca/how-your-credit-rating-is-affected/) - Richard Killen talks about how your credit will be affected should you declare bankruptcy.
- [How to Save Money with Credit Cards](https://rkillen.ca/how-to-save-money-with-credit-cards/) - Using credit cards responsibly you can save money. Here are some money saving strategies you can take advantage of to get the most out of your credit cards.
- [How To Save Money On Recurring Expenses With The Cash Flow Cookbook](https://rkillen.ca/how-to-save-money-on-recurring-expenses-with-the-cash-flow-cookbook/) - In this video, we show you how to save money on recurring expenses like car expenses, pet services, alarms, transportation and more. Forget about budgeting.
- [How To Save Money On Credit Cards And Travel With Barry Choi](https://rkillen.ca/how-to-save-money-on-credit-cards-and-travel-with-barry-choi/) - This video will show you smart ways to use credit cards and consolidation loans to help you pay off your debt. Learn how to get your money’s worth on vacations.
- [How To Rebuild Your Credit Rating](https://rkillen.ca/how-to-rebuild-your-credit-rating/) - Your credit rating has taken a beating. You regularly pay bills late. Sometimes you can't make even minimum payments. Perhaps you've gone through a bankruptcy or the consumer proposal process.
- [How to Lower Your Heating Costs](https://rkillen.ca/how-to-lower-your-heating-costs/) - Staying warm is an annual Canadian challenge that we have become very adept at meeting but this can strain our household budgets and eventually affects large parts of our lives.
- [How To Achieve Your Financial Goals In Less Than A Year](https://rkillen.ca/how-to-achieve-your-financial-goals-in-less-than-a-year/) - In this video Alanna shares how she saved $20,000 in less than a year with an average salary in Toronto. She will show you how to achieve your financial goals.
- [How Much Is Too Much?](https://rkillen.ca/how-much-is-too-much/) - People sometimes ask: “If I go bankrupt will the trustee take all my income?” Well the simple answer is NO. But to understand that answer you need to wade through some layers of legal complexity.
- [How Long Will My Bankruptcy Last in Ontario?](https://rkillen.ca/how-long-will-my-bankruptcy-last-in-ontario/) - In this video, Richard Killen, a Toronto-based Licensed Insolvency Trustee talks about, How long a Bankruptcy lasts. Bankruptcy has a beginning and has an end.
- [How Does A Consumer Proposal in Toronto Work?](https://rkillen.ca/how-does-a-consumer-proposal-in-toronto-work/) - Practically nobody wants to do a bankruptcy so it's no wonder that consumer proposals in Toronto have become so popular in the personal insolvency business.
- [Garnishee Order- How Do I Stop Wage Garnishment In Ontario?](https://rkillen.ca/how-do-i-stop-wage-garnishment/) - This blog reviews your options and answers the question “how do I stop wage garnishment in Ontario or stop a garnishee order before my employer is notified.
- [How a Co-Signer is Affected](https://rkillen.ca/how-a-co-signer-is-affected/) - Richard Killen explains hos a cosigner will be affected during a bankruptcy or proposal.
- [Highway No Longer Takes Toll on Bankruptcy](https://rkillen.ca/highway-no-longer-takes-toll-on-bankruptcy/) - The operators of Ontario’s Highway 407 Express Toll Route (ETR) can no longer arrange for vehicle permits to be withheld from bankrupt drivers, according to a recent Ontario’s Court of Appeal ruling.
- [Good and not-so-good debt: What’s the difference?](https://rkillen.ca/good-and-not-so-good-debt-whats-the-difference/) - The best way to know how to control debt — along with most things in our lives — is to look before you leap.
- [Gas Goes Down, Debt Goes Up](https://rkillen.ca/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.
- [Gambling with Bankruptcy](https://rkillen.ca/gambling-with-bankruptcy/) - The bankruptcy court tends to look on a gambling-related bankruptcy as something that needs to be corrected.
- [Five Ways to Sink Your Budget](https://rkillen.ca/five-ways-to-sink-your-budget/) - For family or personal budgets to work requires the determination to run a tight ship. Otherwise small leaks can turn into a torrent that sinks your good intentions.
- [Five Ways to Rebuild Your Credit](https://rkillen.ca/five-ways-to-rebuild-your-credit/) - While it won’t happen automatically and you will have to be proactive about it, you can actually take steps to start repairing your credit rating right away.
- [Five Things You Should Know About Credit Cards](https://rkillen.ca/five-things-you-should-know-about-credit-cards/) - Too often credit cards seem like easy money. Just hand it over to the clerk or type in the card number for your online purchase and, presto!, you have stuff.
- [Our first tv commercial](https://rkillen.ca/first-commercial/) - This is a look back at one of our first TV commercials. Wow how time flies.
- [Financial Resolutions for the New Year](https://rkillen.ca/financial-resolutions-for-the-new-year/) - Whatever you need do to get a handle on your financial situation, don't put it off. Writing things down will give you a far greater chance to control and build your financial security.
- [Financial Literacy Month: Taking Charge of Your Finances](https://rkillen.ca/financial-literacy-month-can-help-you-take-charge-of-your-finances/) - Financial literacy month and financial literacy week in Canada are celebrated in November which helps people manage money and debt, plan, save and avoid fraud.
- [Do I Need to Meet My Creditors?](https://rkillen.ca/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?
- [Do I Have To Pay a Minimum Portion?](https://rkillen.ca/do-i-have-to-pay-a-minimum-portion/) - In this video, Richard Killen, a Toronto-based Licensed Insolvency Trustee talks about, Do I Have To Pay a Minimum Portion? Pay a certain percentage of the debt.
- [Divorce and Bankruptcy](https://rkillen.ca/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 shows that financial problems can lead to marital breakdown.
- [Declaring Bankruptcy in Oshawa](https://rkillen.ca/declaring-bankruptcy-in-oshawa/) - In this video, Licensed Insolvency Trustee Richard Killen explains how the bankruptcy process works
- [Debt Counselors Toronto and Consumer Credit](https://rkillen.ca/debt-counselors-toronto-and-consumer-credit/) - Debt Counselors in Toronto are hard to find. But since consumer debt, or consumer credit, is such a big part of our society, here is what you need to know.
- [Debt Consolidation Loans](https://rkillen.ca/debt-consolidation-loans/) - Richard Killen explains how a debt consolidation would be a great first option to consider for debt relief from your creditors.
- [Cure Your Holiday Hangover with Credit Free Fridays](https://rkillen.ca/cure-your-holiday-hangover-with-credit-free-fridays/) - During the holiday season, the joy many of us feel is tempered by our dread at opening credit card invoices in January. Apparently, we pay for our pleasures.
- [Bankruptcy vs Proposal](https://rkillen.ca/bankruptcy-vs-proposal/) - Learn about creditors and debtor rights. Know the focal point of bankruptcy is to offer creditors money or property in order to protect the debtor's assets.
- [Licensed Insolvency Trustee vs bankruptcy lawyer?](https://rkillen.ca/bankruptcy-trustee-vs-bankruptcy-lawyer-2/) - In this video, Licensed Insolvency Trustee Richard Killen discusses the difference between a Licensed Insolvency Trustee and a bankruptcy lawyer.
- [Bankruptcy Explained](https://rkillen.ca/bankruptcy-explained/) - Richard Killen Licensed Insolvency Trustee and licensed consumer proposal administrator, talks about the fourth and final option available to you for resolving your financial troubles.
- [Bankruptcy Counselors Toronto vs Licensed Insolvency Trustee](https://rkillen.ca/bankruptcy-counselors-toronto/) - Bankruptcy Counselors Toronto is somebody who counsels people on how not to go bankrupt? A licensed insolvency trustee gives you options to for debt relief.
- [Is A Spouse Responsible For Credit Card Debt in Canada?](https://rkillen.ca/bankruptcy-co-signed-loans-joint-debt-marriage-spouse-supplementary-credit-card/) - This video and short read answer the question "Is a spouse responsible for credit card debt in Canada if the other spouse declares bankruptcy?" and other debt
- [Avoid post-holiday debt stress — create a budget](https://rkillen.ca/avoid-post-holiday-debt-stress-create-a-budget/) - It is possible to have a great festive season without spending a lot of money. Your goal is to create a budget and stick to the plan.
- [Are You in Debt Denial?](https://rkillen.ca/are-you-in-debt-denial/) - To overcome debt denial, it's time to look at your real numbers in black and white. Check your credit card statements, loan papers and bills in arrears and put down on paper how much you owe whom.
- [Are We Going to be Homeless?](https://rkillen.ca/are-we-going-to-be-homeless/) - One of the most frequently asked questions I get as a Licensed Insolvency Trustee is, “If I go bankrupt or do a consumer proposal, will I lose my home?”
- [Alternatives to Bankruptcy for Your Debt Problems](https://rkillen.ca/alternatives-to-bankruptcy/) - In this video and post, a Toronto trustee explains the alternatives to bankruptcy available to help overcome debt including consumer proposals and 3 others.
- [Alternatives To Bankruptcy In The Greater Toronto Area](https://rkillen.ca/alternatives-to-bankruptcy-in-the-greater-toronto-area/) - In this video, a Licensed Insolvency Trustee with offices in Durham, and Greater Toronto area talks about alternatives to bankruptcy for an insolvent person.
- [Administrator’s Report](https://rkillen.ca/administrators-report/) - On October 21st Richard spoke at a seminar given to employees of credit unions throughout Ontario. Titled Bankruptcy/Consumer Proposals.
- [A Person in Toronto Asks -Should I Go Bankrupt?](https://rkillen.ca/a-person-in-toronto-asks-should-i-go-bankrupt/) - It's not up to me to tell you to go bankrupt. Bankruptcy is a personal decision, what might work for one person, might not work for another person.
- [A New Problem for the Old](https://rkillen.ca/a-new-problem-for-the-old/) - While aging baby boomers aspire to a placid retirement, this dream is being threatened by a growing problem: senior debt.
- [A consumer proposal and your home](https://rkillen.ca/a-consumer-proposal-and-your-home/) - The major difference between a consumer proposal and a bankruptcy is what happens to people's assets, especially those who own their own home.
- [8 Cheap and Free Things to Do in Toronto in the Winter](https://rkillen.ca/8-cheap-and-free-things-to-do-in-toronto-in-the-winter/) - Toronto is an exciting place during the winter and here are 8 cheap and free things to do for adults, kids and families that are not-to-be-missed experiences.
- [4 Money Saving Tips That Can Help You to Save on Groceries](https://rkillen.ca/4-money-saving-tips-that-can-help-you-to-save-on-groceries/) - The average Canadian family spends about $214 on food for each person every month. Here are some money saving tips to make your grocery budget go further.
- [4 Things About Financial Planning In Toronto That Are Untrue](https://rkillen.ca/4-things-about-financial-planning-in-toronto-that-are-untrue/) - People come up with a lot of reasons to avoid financial planning in Toronto. They are too old, too young, too broke and son on. They can help you many ways
- [5 Keys to Securing your Financial Freedom](https://rkillen.ca/5-keys-to-securing-your-financial-freedom/) - These 5 basic steps will help you set sensible and attainable goals towards living debt free and securing financial freedom.
- [5 Signs That You Have Too Much Debt And Need Debt Help](https://rkillen.ca/5-signs-that-you-have-too-much-debt-and-need-debt-help/) - These are the top 5 signs that your debt is out of control and you should consider getting some debt help in the Greater Toronto Area.
- [10 Debt Danger Signals](https://rkillen.ca/10-debt-danger-signals/) - Whether it is debt consolidation, negotiating with creditors, a consumer proposal or even a personal bankruptcy, find out what works best for your particular situation.
- [Consumer Proposal Explained](https://rkillen.ca/consumer-proposal-explained-2-2/) - Toronto Licensed Insolvency Trustee Richard Killen explains what a consumer proposal is
- [Will Bankruptcy Affect My Income](https://rkillen.ca/will-bankruptcy-affect-my-income-2/) - Richard Killen explains how your income may change during a bankruptcy.
- [Verifying statement of affairs](https://rkillen.ca/verifying-statement-of-affairs-2/) - I am still going to have to verify your statement of affairs. Now I can’t pull things out of the air. I can’t assume you had a GIC two years ago.
- [How to Save on Valentine's Day in Toronto](https://rkillen.ca/how-to-save-on-valentines-day-in-toronto/) - Learn how to save on valentine’s day in Toronto with these easy tips. Spend less and save money with bouquets, inexpensive dates, meals and handmade gifts.
- [Ambitious Adulting: How to Reach Financial Security in Your 20s](https://rkillen.ca/ambitious-adulting-how-to-reach-financial-security-in-your-20s/) - This video will show you how to take control of your finances, achieve financial security, and elevate your life.
- [Raising Your Vibrational Frequencies and Changing Your Life with Dawn James](https://rkillen.ca/raising-your-vibrational-frequencies-and-changing-your-life-with-dawn-james/) - This video will show you how to raise your vibrational frequencies, change your behaviours, and change your life.
- [Understanding the Financial Products You are Buying with John Shmuel](https://rkillen.ca/understanding-the-financial-products-you-are-buying-with-john-shmuel/) - This video will show you how to become financially literate, and how you can understand and manage your finances.
- [Tracy L Clark - How To Listen To Your Intuition And Change Beliefs](https://rkillen.ca/tracy-l-clark-how-to-listen-to-your-intuition-and-change-beliefs/) - This video will show you how to listen to your intuition. Tracy L Clark will share how you can shift your perspective about your relationship with money.
- [Personal Finance- New Years Resolutions](https://rkillen.ca/personal-finance-new-years-resolutions/) - A common new year's resolution is fixing one's personal finance which is it's important to seek debt counseling in Toronto from a Licensed Insolvency Trustee.
- [Will I Lose My Personal Possessions If I Go Bankrupt](https://rkillen.ca/will-i-lose-my-personal-possessions-if-i-go-bankrupt/) - In this video, Richard Killen, a Toronto-based Licensed Insolvency Trustee talks about, Will I Lose My Personal Possessions If I Go Bankrupt.
- [How To Get A Mortgage with Bad Credit](https://rkillen.ca/how-to-get-a-mortgage-with-bad-credit/) - In this video interview, a mortgage broker discusses how self -employed people can get a mortgage, mortgages if you have bad credit, CMHC Insurance and more.

## Pages

- [NH](https://rkillen.ca/) - Stop worrying about your debt and call Richard Killen & Associates in Ontario to get a free consultation and find out the best way to solve your debt problems.
- [Mississauga & Erin Mills Licensed Insolvency Trustee](https://rkillen.ca/erin-mills-oakville-mississauga-bankruptcy-trustee/) - A Licensed Insolvency Trustee in Mississauga & Erin Mills, Ontario specializing in consumer proposals, debt counselling and bankruptcy services for debt relief.
- [Contact us](https://rkillen.ca/richard-killen-associates-today-to-get-that-relief-youve-been-looking-for/) - Get expert financial advice from licensed insolvency trustee in bankruptcy. Free consultations and evening appointments available at multiple GTA locations.
- [Toronto and Etobicoke Licensed Bankruptcy Trustee Ontario](https://rkillen.ca/toronto-bankruptcy-trustee-consumer-proposal-administrator/) - As a Toronto and Etobicoke Licensed Bankruptcy Trustee in Ontario, we offer a free consultation on debt counselling, consumer proposals, personal bankruptcy.
- [Consumer Proposal](https://rkillen.ca/consumer-proposal-416-285-9511/) - For over 25 years, we have helped thousands of good people like yourself in Toronto (GTA) to get out of debt. We are here to help you be free from your debt.
- [Who will know about my bankruptcy?](https://rkillen.ca/who-will-know-about-my-bankruptcy/) - We are often asked "Who will know about my bankruptcy?". Only your creditors must be notified of your bankruptcy. It is also in your credit bureau records.
- [Whitby & Oshawa Consumer Proposal from a Licensed Insolvency Trustee](https://rkillen.ca/whitby-oshawa-consumer-proposal-from-a-bankruptcy-trustee/) - If you are seeking protection from your creditors due to your debt, an Oshawa consumer proposal negotiated by a Licensed Insolvency Trustee can be a great solution.
- [Oshawa Licensed Insolvency Trustee](https://rkillen.ca/whitby-bowmanville-oshawa-trustee-in-bankruptcy/) - As an Oshawa Licensed Insolvency Trustee or Trustee in Bankruptcy, many people rely on us to help them overcome their debt problems and reduce their stress.
- [What You Need to Know About Payday Loans Scarborough](https://rkillen.ca/what-you-need-to-know-about-payday-loans-scarborough/) - Applying for a payday loan can lead to drastic financial consequences this article covers much better options to resolve your debt or cashflow problems.
- [What is Bankruptcy in Toronto?](https://rkillen.ca/what-is-bankruptcy-in-toronto/) - For details on what is bankruptcy in Toronto and how a trustee can help you with understanding bankruptcy contact Richard Killen & Associates for assistance.
- [What is a Licensed Insolvency Trustee in Toronto?](https://rkillen.ca/what-is-a-trustee-in-bankruptcy-in-toronto/) - A Licensed Insolvency Trustee in Toronto can provide counseling to recommend ways on how you can free yourself of debt. Call us today for a free consultation.
- [What Are The Bankruptcy Alternatives In Canada](https://rkillen.ca/what-are-the-bankruptcy-alternatives-in-canada/) - Many honest and responsible people find that they cannot meet their monthly payments and ask what are the bankruptcy alternatives in Canada available to them.
- [Various Bankruptcy Alternatives for Debt Relief in Pickering](https://rkillen.ca/various-bankruptcy-alternatives-for-debt-relief-in-pickering/) - People with debt who are not keen on bankruptcy for debt relief in Pickering can consult with a Licensed Insolvency Trustee to look at all other options they can take.
- [Understanding How Personal Bankruptcy in Pickering Works](https://rkillen.ca/understanding-how-personal-bankruptcy-in-pickering-works/) - If you are experiencing debt, personal bankruptcy in Pickering can help solve that problem, but you need guidance from a Licensed Insolvency Trustee to know the details.
- [Debt Relief  In Canada & Debt Solutions To Solve Your Debts](https://rkillen.ca/toronto-debt-relief-services-solutions-to-get-out-of-debt/) - An overview of debt relief in Canada and will help you find the perfect debt solutions to solve your debts once and for all and prevent them from coming back.
- [Bad Credit Loans In Toronto and Debt Consolidation Loans](https://rkillen.ca/toronto-debt-consolidation-loans-for-debt-relief/) - If your applying for bad credit loans in Toronto or consolidation loans there are pitfalls. Read why you should consider talking to a trustee prior to applying.
- [Toronto Consumer Proposals Through a Licensed Insolvency Trustee](https://rkillen.ca/toronto-consumer-proposals-through-a-bankruptcy-trustee/) - Many rely on Licensed Insolvency Trustee to secure Toronto consumer proposals that help improve their financial situation and get rid of debt with creditors faster.
- [Declaring Toronto Bankruptcy Via Toronto Bankruptcy Trustee](https://rkillen.ca/toronto-bankruptcy-trustee-and-credit-counselor-office/) - When considering a Toronto bankruptcy only a Toronto Bankruptcy Trustee (LIT) can provide all the debt relief options including consumer proposals. Free consult
- [The Ideal Bankruptcy Alternatives in Brampton & Bramalea](https://rkillen.ca/the-ideal-bankruptcy-alternatives-in-brampton-bramalea/) - Debt experts like Richard Killen and Associates will identify bankruptcy alternatives in Brampton to you after a free comprehensive consultation and assessment.
- [The Glass Is Half Full Talk Show](https://rkillen.ca/the-glass-is-half-full-talk-show/) - Discover ways to do more with less on THE GLASS IS HALF FULL with Richard Killen. Topics include debt relief, money-saving tips, and having fun.
- [The Best Debt Management Program and Debt Restructuring](https://rkillen.ca/the-best-debt-management-program-and-debt-restructuring/) - This quick read and video will assist you in determining the best debt management program and the most efficient debt restructuring strategies for debt relief.
- [Thank you for contacting Richard Killen](https://rkillen.ca/thank-you-for-contacting-richard-killen/) - Richard Killen & Associates confirms receipt of your information and promises to be in touch soon. Thank you for contacting us.
- [Thank you for your suggestion](https://rkillen.ca/thank-you-for-your-suggestion/) - Thank you for your suggestion for an upcoming show of The Glass Is Half Full. All suggestions are reviewed and kept on file for future shows. Enjoy!
- [Thank you for Subscribing](https://rkillen.ca/thank-you-for-subscribing/) - Subscribe to The Glass Is Half Full with Richard Killen and learn how to save money, solve debt problems, and hear personal financial success stories.
- [Seeking Advice on Debt and Personal Bankruptcy in Oshawa](https://rkillen.ca/seeking-advice-on-debt-and-personal-bankruptcy-in-oshawa/) - Declaring personal bankruptcy in Oshawa can have several implications to your financial standing. A Licensed Insolvency Trustee can help you understand all the details.
- [Debt Consultant Reviews Scarborough Bankruptcy Alternatives](https://rkillen.ca/scarborough-debt-consultant-reviews-bankruptcy-alternatives/) - Scarborough Bankruptcy Alternatives are reliable options when dealing with debt, and a Licensed Insolvency Trustee helps you identify your best options.
- [Scarborough Debt Consolidation Loans for Debt Relief](https://rkillen.ca/scarborough-debt-consolidation-loans-for-debt-relief/) - Through the expert guidance of a Licensed Insolvency Trustee, Scarborough Debt Consolidation Loans can help you get out of debt without needing to declare bankruptcy.
- [Scarborough Consumer Proposals with a Licensed Insolvency Trustee](https://rkillen.ca/scarborough-consumer-proposals-with-a-bankruptcy-trustee/) - Scarborough consumer proposals are handled by a certified Licensed Insolvency Trustee and is a recommended way to get out of debt and grant protection from creditors.
- [Licensed Insolvency Trustee Provides Consumer Proposals in Scarborough](https://rkillen.ca/scarborough-bankruptcy-trustee-provides-consumer-proposals/) - Negotiated by a Licensed Insolvency Trustee, consumer proposals in Scarborough help clients with debt problems so that they can get out of debt and financial stress.
- [Scarborough Licensed Insolvency Trustee and Credit Counselling Firm](https://rkillen.ca/scarborough-bankruptcy-trustee-and-credit-counselling-firm/) - Richard Killen and Associates, a reputable Scarborough Licensed Insolvency Trustee, works closely with clients to explain the different solutions for debt relief.
- [Scarborough Bankruptcy Trustee and Credit Counsellor Office](https://rkillen.ca/scarborough-bankruptcy-trustee-and-credit-counsellor-office/) - A Scarborough Bankruptcy Trustee and Credit Counselor like Richard Killen and Associates can discuss all the possible options that can end debt problems.
- [Reducing Debt With A Debt Consolidation Loan In Mississauga](https://rkillen.ca/reducing-debt-in-mississauga-with-a-debt-consolidation-loan/) - Find out about how a Licensed Insolvency Trustee can reduce your debt and make your payments easier through a debt consolidation loan in Mississauga.
- [Please confirm your email address](https://rkillen.ca/please-confirm-your-email/) - Confirm your email to download the ebook. Check your inbox and click on the link we sent to continue. Don't miss out on valuable information!
- [Pickering Debt Consolidation Loans Help Resolve Your Debt](https://rkillen.ca/pickering-debt-consolidation-loans-help-resolve-your-debt/) - Licensed Insolvency Trustees can make settling your debt easier by negotiating with creditors and reducing your debt using Pickering Debt Consolidation Loans.
- [Personal Insolvency – Insolvency Services and Solutions](https://rkillen.ca/personal-insolvency-insolvency-services-and-solutions/) - Read and watch an overview of your options for personal insolvency, what it means to be insolvent and an overview of insolvency services and debt relief options
- [Personal Bankruptcy Service in Toronto and Debt Counselling](https://rkillen.ca/personal-bankruptcy-in-toronto-and-debt-counselling/) - Learn more about consulting a bankruptcy service in Toronto for debt counselling and other debt solutions to avoid personal bankruptcy in Toronto.
- [Personal Bankruptcy in Scarborough and Debt Counselling](https://rkillen.ca/personal-bankruptcy-in-scarborough-and-debt-counselling/) - Personal Bankruptcy in Scarborough can be a fresh new financial start and a Licensed Insolvency Trustee can explain its pros and cons and other options available to you.
- [Personal Bankruptcy Help and What Is A Bankruptcy Trustee](https://rkillen.ca/personal-bankruptcy-help-and-what-is-a-bankruptcy-trustee/) - This article answers a lot of questions regarding personal bankruptcy help in Ontario as well as what is a bankruptcy trustee and how they can offer assistance.
- [Personal Bankruptcy in Toronto Ontario for Debt Relief](https://rkillen.ca/personal-bankruptcy-for-debt-relief-in-toronto-ontario/) - Personal bankruptcy in Toronto is often the only option many are aware of however with a Licensed Insolvency Trustee, you are informed of all your options.
- [Payday Loans Ontario & Payday Debt Consolidation In Ontario](https://rkillen.ca/payday-loans-ontario-payday-debt-consolidation-in-ontario/) - Payday loans in Ontario can lead to a vicious cycle of overwhelming debt. This article provides payday debt consolidation and alternative debt relief options.
- [Oshawa Debt Consolidation Loans as a Solid Debt Solution](https://rkillen.ca/oshawa-debt-consolidation-loans-as-a-solid-debt-solution/) - Oshawa debt consolidation loans can reduce your debt and merge all of it into one easy payment. Contact a bankruptcy trustee today for more information.
- [Ontario Student Loans-OSAP Repayment Assistance-Forgiveness](https://rkillen.ca/ontario-student-loans-osap-repayment-assistance-forgiveness/) - If you have an Ontario student loan and you are having trouble making payments there are options for OSAP repayment assistance, OSAP loan forgiveness and more.
- [Debt Consolidation Loans in North York For Debt Relief](https://rkillen.ca/north-york-debt-consolidation-loans-for-debt-relief/) - For debt consolidation loans in North York, a Licensed Insolvency Trustee can negotiate with creditors and reach an amicable debt solution for everyone.
- [North York Consumer Proposals from a Bankruptcy Trustee](https://rkillen.ca/north-york-consumer-proposals-from-a-bankruptcy-trustee/) - Every year, more individuals prefer North York consumer proposals as a way to solve their debt through the help and assistance of a bankruptcy trustee.
- [North York Licensed Insolvency Trustee and Credit Counseling Service](https://rkillen.ca/north-york-bankruptcy-trustee-and-credit-counseling-service/) - North York Licensed Insolvency Trustee and credit counselor, Richard Killen and Associates is a leading provider of debt solutions and bankruptcy alternatives since 1992
- [Mississauga Debt Consolidation Loans Ease Debt Payments](https://rkillen.ca/mississauga-debt-consolidation-loans-ease-debt-payments/) - Mississauga debt consolidation loans make paying off debt easier, more manageable and stress free through the assistance of a licensed Licensed Insolvency Trustee.
- [Mississauga Consumer Proposals through a Bankruptcy Trustee](https://rkillen.ca/mississauga-consumer-proposals-through-a-bankruptcy-trustee/) - Mississauga consumer proposals have gained in popularity when dealing with debt problems. Consult with a bankruptcy trustee to find out if it's right for you.
- [Mississauga Consumer Proposals from a Top Licensed Insolvency Trustee](https://rkillen.ca/mississauga-consumer-proposals-from-a-top-bankruptcy-trustee/) - Mississauga consumer proposals can be an effective way to settle your debt but you need to have the best Licensed Insolvency Trustee to negotiate with your creditors.
- [LINKING TO RKILLEN.CA](https://rkillen.ca/linking-to-rkillen-ca/) - "Get links to your website on rkillen.ca by following simple steps. Place a link to us on your site and we'll reciprocate if it meets our criteria."
- [How To Pay Off Credit Card Debt & How To Pay Off Debt Fast](https://rkillen.ca/how-to-pay-off-credit-card-debt-how-to-pay-off-debt-fast/) - Read and watch the video if you struggle with how to pay off credit card debt as well as how to pay off debt fast, particularly if you struggle each month.
- [Debt Relief and Declaring Bankruptcy In Brampton & Bramalea](https://rkillen.ca/debt-relief-and-declaring-bankruptcy-in-brampton-bramalea/) - Declaring Bankruptcy in Brampton is a decision not to be taken lightly as Licensed Insolvency Trustees can provide other solutions that can solve your debt problem.
- [Debt Options and Personal Bankruptcy in Brampton & Bramalea](https://rkillen.ca/debt-options-and-personal-bankruptcy-in-brampton-bramalea/) - Seek the advice of an expert in Personal Bankruptcy in Brampton as they can offer a variety of possible solutions to address your growing debt problems.
- [Debt & Credit Counseling in Toronto Ontario for Debt Relief](https://rkillen.ca/debt-credit-counseling-for-debt-relief-in-toronto-ontario/) - If you're having trouble with your finances and experiencing debt issues, then it's time to contact an expert in debt and credit counseling in Toronto.
- [Financial Debt Counselling Toronto & Credit Counselling](https://rkillen.ca/debt-counselling-toronto-an-alternative-debt-relief/) - Financial Debt counselling and credit counselling in Toronto are good however only trustees are qualified to offer all debt relief solutions like proposals.
- [CREDIT COUNSELING SERVICES, DEBT CONSULTANT & DEBT ADVICE](https://rkillen.ca/debt-counseling-credit-counseling-debt-relief-in-toronto/) - If you're looking for credit counselling services, a debt consultant or just professional debt advice for your debt problem, you are not alone. See your options
- [Debt Consolidation Canada & Debt Consolidation Loans Canada](https://rkillen.ca/debt-consolidation-canada-debt-consolidation-loans-canada/) - Debt consolidation in Canada may not be the best way to tackle debt. Here are tips for a debt consolidation loan in Canada and other options to consider.
- [Credit & Debt Counseling from an Oshawa Licensed Insolvency Trustee](https://rkillen.ca/credit-debt-counseling-from-an-oshawa-bankruptcy-trustee/) - If you need someone to help you with your debt problem, an Oshawa Licensed Insolvency Trustee like Richard Killen and Associates has the expertise to solve your problem.
- [Scarborough West Licensed Insolvency Trustees Ontario](https://rkillen.ca/consumer-proposals-bankruptcy-trustee-in-scarborough-west/) - Best Licensed Insolvency Trustees in Scarborough West Ontario that offer clients a free in-depth financial assessment to resolve their debt problems.
- [Consumer Proposals in Toronto Ontario as a Debt Solution](https://rkillen.ca/consumer-proposals-as-a-debt-solution-in-toronto-ontario/) - Consumer Proposals in Toronto through the help of a bankruptcy trustee is a great way to come to an agreement with creditors to reduce and pay off your debt.
- [CONSUMER PROPOSAL ONTARIO & DEBT COUNSELLING IN ONTARIO](https://rkillen.ca/consumer-proposal-ontario-debt-counselling-in-ontario/) - If you need an alternative to bankruptcy, a consumer proposal in Ontario can be the right solution to your debt. Call us today for immediate assistance.
- [CONSUMER PROPOSAL, DEBT & CREDIT COUNSELLING & BANKRUPTCIES](https://rkillen.ca/consumer-proposal-debt-credit-counselling-bankruptcies/) - Richard Killen & Associates can help you select between a consumer proposal, credit counseling or a personal bankruptcy as a means to ease your debt relief.
- [CONSUMER PROPOSAL AND BANKRUPTCY HELP IN GEORGETOWN](https://rkillen.ca/consumer-proposal-and-bankruptcy-help-in-georgetown/) - Richard Killen & Associates is providing full range of legal services, also we are providing free consultation for consumer proposals and bankruptcy in Georgetown.
- [Consumer Debt Solutions by Mississauga Bankruptcy Trustee](https://rkillen.ca/consumer-debt-solutions-by-mississauga-bankruptcy-trustee/) - To get the best consumer debt solutions in Cooksville and Port Credit, consult with the leading Mississauga Bankruptcy Trustee, Richard Killen and Associates.
- [Consolidation Loans & Debt Consolidation in Toronto](https://rkillen.ca/consolidation-loans-debt-consolidation-in-toronto/) - Make your first step to debt relief through debt consolidation in Toronto and Richard Killen & Associates can help you find the best solution for you.
- [Community Involvement](https://rkillen.ca/community-involvement/) - We also try to support our local community in local initiatives and programs which will have the effect of bringing a sense of that community to the forefront of peoples thinking.
- [Canada Debt, Debt Relief in Canada and Debt Forgiveness](https://rkillen.ca/canada-debt-debt-relief-in-canada-and-debt-forgiveness/) - This page covers options for debt relief in Canada and debt forgiveness for Canadians hard hit by debt caused by the COVID-19 pandemic and other factors.
- [Brampton Debt Consolidation Loans for Debt Relief](https://rkillen.ca/brampton-debt-consolidation-loans-for-debt-relief/) - Consulting with Richard Killen and Associates about Brampton Debt Consolidation Loans can help you figure out the best step to take in resolving debt issues.
- [Brampton Consumer Proposals By a Licensed Insolvency Trustee](https://rkillen.ca/brampton-consumer-proposals-by-a-bankruptcy-trustee/) - One of the recommended ways to solve debt is by using Brampton Consumer Proposals, wherein a Licensed Insolvency Trustee negotiates a fair settlement for all parties.
- [Bramalea & Brampton Licensed Insolvency Trustee and Debt Consultant](https://rkillen.ca/bramalea-brampton-bankruptcy-trustee-and-debt-consultant/) - Being a Brampton Licensed Insolvency Trustee, Richard Killen and Associates is able to help locals find debt relief through various financial solutions.
- [Booking Success](https://rkillen.ca/booking-success/) - Get debt relief and put an end to financial stress with Booking Success. Thousands in the GTA have found financial freedom with our 99% success rate.
- [Licensed Insolvency Trustee Toronto & Consumer Proposals Toronto](https://rkillen.ca/bankruptcy-trustee-toronto-consumer-proposals-toronto/) - Richard Killen & Associates is a Licensed Insolvency Trustee in Toronto as well as a consumer proposal administrator with offices across the Greater Toronto Area.
- [Bankruptcy Alternatives in Pickering & Ajax that Reduce Debt](https://rkillen.ca/bankruptcy-alternatives-that-reduce-debt-in-pickering-ajax/) - Know all of your bankruptcy alternatives in Pickering from a Licensed Insolvency Trustee and make the ideal solution for your debt without declaring bankruptcy.
- [Ajax & Pickering Licensed Insolvency Trustee and Debt Counseling](https://rkillen.ca/ajax-pickering-bankruptcy-trustee-and-debt-counseling/) - There are many solutions to debt if you consult a Pickering Licensed Insolvency Trustee as they can provide you with the best solutions and services for any debt concern
- [Brampton & Georgetown Licensed Insolvency Trustees](https://rkillen.ca/acton-halton-hills-georgetown-bankruptcy-trustee/) - A Licensed Insolvency Trustee in Brampton & Georgetown, Ontario providing free consultations to understand debt relief options like consumer proposals and more.
- [Sitemap](https://rkillen.ca/sitemap/) - Our comprehensive sitemap offers a bird's eye view of our website's architecture, ensuring that search engines can efficiently crawl and index all our content.
- [Thank you](https://rkillen.ca/thank-you/) - One of our Debt Professionals will soon call you to review all the options you are able to take. For quick and immediate assistance call (416) 285-9511.
- [After Care](https://rkillen.ca/after-care/) - It’s one thing to solve the debt problems that are making your life stressful, but once you’ve done that - what next? How do you get your old financial life back?
- [Consequences Of Bankruptcy?](https://rkillen.ca/consequences-of-bankruptcy/) - On this page we explain the consequences of bankruptcy and also benefits. Also is an overview of common questions regarding declaring bankruptcy in Toronto.
- [BANKRUPTCY CANADA: HOW BANKRUPTCIES WORK IN CANADA](https://rkillen.ca/what-is-the-bankruptcy-process-in-canada/) - Learn how bankruptcies work in Canada, an explanation of what is bankruptcy, details of the bankruptcy process and get an overview of bankruptcy Canada laws.
- [Debt Forgiveness From Creditors is Possible](https://rkillen.ca/debt-forgiveness-from-creditors-is-possible/) - Do not ignore your financial troubles. Contact a Licensed Insolvency Trustee today to discover how debt forgiveness works and attain freedom from debt.
- [LICENSED INSOLVENCY TRUSTEES - THE BETTER CHOICE FOR DEBT RELIEF](https://rkillen.ca/licensed-insolvency-trustees-the-better-choice-for-debt-relief/) - GTA Licensed Insolvency Trustees are your best option for debt relief solutions, debt counselling, debt consolidation loans, bankruptcy or a consumer proposal.
- [CRA Debt Forgiveness - CRA Requirement to Pay & Collections](https://rkillen.ca/cra-debt-forgiveness-cra-requirement-to-pay-collections/) - If CRA collections sent you a CRA request to pay or your under CRA garnishment and you have no money to pay, you may qualify for CRA Debt Forgiveness.
- [Debt Consolidation and Debt Consolidation Loans FAQ’s](https://rkillen.ca/debt-consolidation-and-debt-consolidation-loans-faqs/) - Debt consolidation or getting a debt consolidation loan many times is not the best option to solve your debt problems. Read these FAQ’s before you get a loan.
- [Debt Counselling - Get the Best Debt Advice and Debt Help](https://rkillen.ca/debt-counselling-get-the-best-debt-advice-and-debt-help/) - Find out how debt counselling or talking to a debt advisor can offer you a wide range of debt options and consumer debt advice for dealing with debt problems.
- [Bankruptcy Trustees Toronto—Best Trustees in Bankruptcy Toronto](https://rkillen.ca/bankruptcy-trustees-toronto-best-trustees-in-bankruptcy-toronto/) - Richard Killen & Associates are leading bankruptcy trustees in Toronto helping you with overwhelming debt if you are in need of trustee in bankruptcy services
- [Bankruptcy Help Line: How to Declare Bankruptcy](https://rkillen.ca/bankruptcy-help-line-how-to-declare-bankruptcy/) - For the best bankruptcy help line and gain a full understanding of how to declare bankruptcy and other debt relief options, call our office at (416) 285-9511
- [Trustee for Bankruptcy - Licensed Trustees in Bankruptcy](https://rkillen.ca/trustee-for-bankruptcy-licensed-trustees-in-bankruptcy/) - Read why you should talk to a Trustee for Bankruptcy if you are feeling overwhelmed by debt as only a trustee can provide you all the options for debt relief.
- [Consumer Proposal - The Top How To Get Out Of Debt Solution](https://rkillen.ca/consumer-proposal-the-top-how-to-get-out-of-debt-solution/) - A consumer proposal is the most popular how to get out of debt solutions. Read why most people in Ontario choose a consumer proposal over filing for bankruptcy.
- [INSTALLMENT LOANS IN ONTARIO](https://rkillen.ca/installment-loans-in-ontario/) - This article provides an overview of installment loans in Ontario, the types of installment loans and considerations for debt relief through debt conolidation.
- [Debt Counseling And Personal Bankruptcy in Scarborough](https://rkillen.ca/debt-counseling-and-personal-bankruptcy-in-scarborough/) - Consult with a Licensed Insolvency Trustee to get vital information on personal bankruptcy in Scarborough and other solutions that can help you with your debt problems.
- [Filing Bankruptcy- Bankruptcy Help with A Bankruptcy Expert](https://rkillen.ca/filing-bankruptcy-bankruptcy-help-with-a-bankruptcy-expert/) - This article answers questions about filing bankruptcy and how to get bankruptcy help and the advice you need through a bankruptcy expert in the Toronto area.
- [Richmond Hill Licensed Insolvency Trustee](https://rkillen.ca/bankruptcy-trustee-in-north-york-thornhill-for-debt-relief/) - As a Richmond Hill Licensed Insolvency Trustee, Ontario, we can provide you all the debt solutions that only a trustee can provide such as consumer proposals.
- [Toronto Bankruptcy Trustees - Trustee in Bankruptcy Toronto](https://rkillen.ca/bankruptcy-trustee-in-toronto-for-debt-solutions/) - Toronto Bankruptcy Trustees, Trustees in Bankruptcy also called LIT's are the only government-licensed professional that can provide all debt relief solutions.
- [Personal Bankruptcy Toronto - A Fresh Financial Start](https://rkillen.ca/personal-bankruptcy-toronto-a-fresh-financial-start/) - If you are considering filing for personal bankruptcy, find out what is included from a Toronto Licensed Bankruptcy Trustee (LIT) along with most FAQ's.
- [The Best Debt Consolidation in Ontario for Debt Relief](https://rkillen.ca/the-best-debt-consolidation-ontario-for-debt-relief/) - If your drowning in debt and are looking for the best consolidation loan in Ontario, this quick read and video could be the best advice for debt relief.
- [PAYDAY LOANS ONTARIO - DEALING WITH PAYDAY LOAN DEBT](https://rkillen.ca/payday-loans-ontario-dealing-with-payday-loan-debt/) - Payday loans in Ontario are bad news. If your struggling with Payday loan debt, this article will provide you with options to overcome the payday loan cycle.
- [Debt Consolidation Canada – Debt Consolidation Loans Canada](https://rkillen.ca/consolidation-loans-toronto-a-popular-debt-relief-option/) - Get the truth on how debt consolidation in Canada really works and why getting a debt consolidation loan in Canada may not be your best option for debt relief.
- [How To Get Out Of Debt – Debt Relief Options In Ontario](https://rkillen.ca/how-to-get-out-of-debt-debt-relief-options-in-ontario/) - This article and video cover how to get out of debt in Ontario especially if you have large amounts of high-interest debt and are living paycheck to paycheck.
- [Bankruptcy in Ontario - How Does Bankruptcy Work in Ontario](https://rkillen.ca/bankruptcy-in-ontario-how-does-bankruptcy-work-in-ontario/) - This article and video are about Bankruptcy Ontario and what you need to know about filing or declaring bankruptcy in Ontario according to the Insolvency Act.
- [Brampton Licensed Insolvency Trustee](https://rkillen.ca/consumer-proposals-and-bankruptcy-trustee-in-brampton/) - A Licensed Insolvency Trustee in Brampton, Ontario that provides free consultations to help you understand debt relief options like consumer proposals and more.
- [Trustee](https://rkillen.ca/trustee/) - "Get debt relief with a FREE CONSULTATION from a Trustee. We've helped thousands in Toronto and the GTA. Choose from consumer proposals or bankruptcy."
- [Services](https://rkillen.ca/services/) - Looking for debt relief services in the Greater Toronto Area? Get your finances back on track with a 99% success rate. Say goodbye to debt stress today.
- [Proposal](https://rkillen.ca/proposal/) - Get out of debt with a consumer proposal! Pay back only a portion of what you owe, stop collection calls, and get a fresh start. Contact us today.
- [Podcasts](https://rkillen.ca/podcasts/) - Discover the latest episodes of The Glass Is Half Full Interview Show with Richard Killen. Listen in and gain insights from thought leaders.
- [Bankruptcy](https://rkillen.ca/bankruptcy/) - "Stop collection calls and eliminate debt with our help. Get a fresh start and explore options like consumer proposals or credit counseling. Call now."
- [Ad](https://rkillen.ca/ad/) - Get help to resolve your financial problems with Richard Killen & Associates. Specializing in Bankruptcies, Consumer Proposals, and Credit Counseling Services.
- [Speaker Michele Meitz](https://rkillen.ca/speaker-michele-meitz/) - With over 25 years experience in the insolvency field, Michele knows a thing or two about debt solutions. She has assisted many individuals on their road to debt relief.
- [Questions Answered About Bankruptcy](https://rkillen.ca/questions-answered-about-bankruptcy/) - In this FAQ section we will try to provide you with answers to the questions we are most frequently asked about bankruptcy and alternatives to bankruptcy.
- [Consumer Proposal Toronto - Top Choice to Reduce Debt](https://rkillen.ca/consumer-proposal-toronto/) - This article explains reasons why consumers in Toronto seeking a debt relief solution choose a Consumer Proposal to reduce their debt versus a bankruptcy.
- [Blog](https://rkillen.ca/blog/) - The trustee in bankruptcy blog regularly provides information on different topics on financial problems. Contact us if you have a question you need advice on.
- [ABOUT RICHARD KILLEN & ASSOCIATES - LICENSED INSOLVENCY TRUSTEE](https://rkillen.ca/about-richard-killen-and-associates-trustee-in-bankruptcy/) - As a Licensed Insolvency Trustee for bankruptcy in Canada, Richard Killen & Associates has helped thousands of clients with their financial debt problems.
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- [Appointment success](https://rkillen.ca/appointment-success/) - Book a FREE appointment with Richard Killen & Associates Ltd to get help with your debt issues. Check email for confirmation & details. Call (416) 285-9511.
- [Generic Ad](https://rkillen.ca/generic-ad/) - Get debt relief and stop worrying with help from Richard Killen & Associates. Options include consumer proposals, credit counselling, and bankruptcy.
- [Free Report Video](https://rkillen.ca/free-report-video/) - Learn what to expect when speaking to an Insolvency Trustee about financial struggles. Download this guide to ease stress and ask the right questions.
- [Free Report Success](https://rkillen.ca/free-report-success/) - Get informed before seeking help from an insolvency trustee or credit counselor. Download this free report to learn what you need to know. Request now!
- [Download The Glass is Half Full The Positive Side to Debt Relief](https://rkillen.ca/download-the-glass-half-full-the-positive-side-to-debt-relief/) - "The Glass Is Half Full" offers a positive perspective on debt relief and provides solutions to reduce financial stress. Download the free e-book now.
- [Covid-19 Message](https://rkillen.ca/covid-19-message/) - "Richard Killen & Associates has closed its offices to walk-in traffic to ensure everyone's safety. They are still available by phone, fax, and email."
- [Counselling](https://rkillen.ca/counselling/) - We've helped thousands in Toronto & GTA get out of debt with our debt relief solutions. Get a free consultation with a Trustee to explore your options.
- [Insolvency Counselling Program](https://rkillen.ca/counseling/) - "Get debt counseling with Insolvency Counselling Program. Two-stage program includes online and in-person sessions with Licensed Insolvency Trustee."
- [Appointment Unsuccessful](https://rkillen.ca/appointment-unsuccessful/) - We apologize for any inconvenience caused by an unsuccessful appointment booking. Try again or call us to schedule a consultation for debt relief.
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- [Appointment Cancellation Unsuccessful](https://rkillen.ca/appointment-cancellation-unsuccessful/) - Get debt relief now! We've helped thousands in the GTA with a 99% success rate. End the stress and sleepless nights. Contact us today.
- [Alliances](https://rkillen.ca/alliances/) - We help financial professionals assist clients with debt issues. Offering confidential advice on bankruptcy, consumer proposals, and debt counselling.
- [ad-test](https://rkillen.ca/ad-test/) - Get out of debt with the help of Richard Killen & Associates. Choose from various debt relief options such as consumer proposal and credit counselling.
- [Will I ever be able to get credit again?](https://rkillen.ca/will-i-ever-be-able-to-get-credit-again/) - If I go bankrupt will i ever get credit again? is a common question. Your ability to obtain and use credit after discharge depends on a few factors.
- [If I go bankrupt, will I need a bankruptcy lawyer in Toronto?](https://rkillen.ca/if-i-go-bankrupt-will-i-need-a-lawyer-in-toronto/) - You do not need a bankruptcy lawyer in Toronto to declare bankruptcy. Licensed Insolvency Trustee Richard Killen & Associates has helped thousands to get debt relief.
- [How does bankruptcy in Toronto affect my wages?](https://rkillen.ca/how-does-bankruptcy-affect-my-wages/) - Richard Killen & Associates provides details and information on bankruptcy in Toronto and any other alternatives and solutions for your debt relief.
- [Georgetown Consumer Proposals With A Licensed Insolvency Trustee](https://rkillen.ca/georgetown-consumer-proposals-with-a-bankruptcy-trustee/) - When looking into Georgetown Consumer Proposals to get out of debt, it is best to speak with a Licensed Insolvency Trustee who can take care of all the details for you.
- [Georgetown Licensed Insolvency Trustee and Credit Consultancy Firm](https://rkillen.ca/georgetown-bankruptcy-trustee-and-credit-consultancy-firm/) - A Georgetown Licensed Insolvency Trustee and credit specialist like Richard Killen and Associates can help anyone with debt find the right solution for their situation.
- [Finding Debt Relief in North York Through Personal Bankruptcy](https://rkillen.ca/finding-debt-relief-in-north-york-through-personal-bankruptcy/) - Debt Relief in North York is possible with the help of a Licensed Insolvency Trustee who can guide you through different alternatives and options that alleviate debt.
- [Expert Advice on Debt and Personal Bankruptcy in Mississauga](https://rkillen.ca/expert-advice-on-debt-and-personal-bankruptcy-in-mississauga/) - If you are unsure about declaring personal bankruptcy in Mississauga, you can consult a debt expert and Licensed Insolvency Trustee like Richard Killen and Associates.
- [Download The Glass is Half Full](https://rkillen.ca/download-cup-half-full-book/) - When the stress of being in debt is slowly eating you up and will cause you sleepless nights, download this book so you can see the positive side of debt relief.
- [Does bankruptcy affect my spouse?](https://rkillen.ca/does-bankruptcy-affect-my-spouse/) - No, your bankruptcy does not effect your spouse. Only assets owned by the bankrupt are included in the bankruptcy. Assets jointly owned must be partially sold.
- [Our Disclaimer](https://rkillen.ca/disclaimer/) - This is the RKillen's Disclaimer page. By using this website, you acknowledge you have read, understood, and agree to be bound by this Disclaimer.
- [File for Bankruptcy In Toronto- Bankruptcy Trustee Etobicoke](https://rkillen.ca/declaring-bankruptcy-in-toronto-and-debt-relief/) - Talking to a bankruptcy trustee in Etobicoke to file for bankruptcy in Toronto is smart as they can offer all options that may result in no bankruptcy.
- [Debt Relief Toronto And Declaring Bankruptcy In Toronto](https://rkillen.ca/debt-relief-toronto-and-declaring-bankruptcy-in-toronto/) - Declaring bankruptcy in Toronto can get you out of debt, but only a Licensed Insolvency Trustee can help identify the best solution for your financial situation.
- [Debt Relief Solutions- How Does Debt Relief Work](https://rkillen.ca/debt-relief-solutions-how-does-debt-relief-work/) - If you are currently experiencing financial troubles and not sure how does debt relief work this article overviews the most effective debt relief solutions.
- [Debt Relief in Oshawa and Whitby through Bankruptcy](https://rkillen.ca/debt-relief-in-oshawa-and-whitby-through-bankruptcy/) - Debt relief in Oshawa can be achieved especially if you are working with a Licensed Insolvency Trustee and figuring out the best solution to your debt.
- [Debt Relief By Declaring Bankruptcy In Mississauga](https://rkillen.ca/debt-relief-by-declaring-bankruptcy-in-mississauga/) - While declaring bankruptcy in Mississauga is a sensitive subject for many, a Licensed Insolvency Trustee can help you through it and provide recommendations on your debt
- [Debt Relief in Mississauga and How Bankruptcy Can Help](https://rkillen.ca/debt-relief-and-how-bankruptcy-can-help-in-mississauga/) - If you are in need of debt relief in Mississauga, speak with a Licensed Insolvency Trustee so that they can recommend the best solution for your financial situation.
- [Debt Relief and Declaring Bankruptcy in Scarborough](https://rkillen.ca/debt-relief-and-declaring-bankruptcy-in-scarborough/) - Declaring bankruptcy is a tough call, but with the help of a Licensed Insolvency Trustee, you can check other debt relief options before making that decision.
- [Debt Recommendations from a Mississauga Licensed Insolvency Trustee](https://rkillen.ca/debt-recommendations-from-a-mississauga-bankruptcy-trustee/) - For any debt problem or concern always seek the assistance of a skilled credit advisor and Mississauga Licensed Insolvency Trustee like Richard Killen and Associates.
- [Debt Help and Advice on Personal Bankruptcy in North York](https://rkillen.ca/debt-help-and-advice-on-personal-bankruptcy-in-north-york/) - Make an informed choice when it comes to personal bankruptcy in North York. A Licensed Insolvency Trustee can help identify the best solution for you.
- [Debt Consultants Provide Debt Relief in Georgetown](https://rkillen.ca/debt-consultants-provide-debt-relief-in-georgetown/) - If you are in need of debt relief in Georgetown, always seek the assistance of a debt consultant and Licensed Insolvency Trustee like Richard Killen and Associates.
- [Debt Consolidation Loans in Toronto Ontario for Debt Relief](https://rkillen.ca/debt-consolidation-loans-for-debt-relief-in-toronto-ontario/) - Debt Consolidation Loans in Toronto that's been negotiated by a Licensed Insolvency Trustee can simplify the debt payment process and reduce creditor calls and notices.
- [Debt Assistance and Personal Bankruptcy in Mississauga](https://rkillen.ca/debt-assistance-and-personal-bankruptcy-in-mississauga/) - Personal bankruptcy in Mississauga is not the only solution to debt problems. Consult a Licensed Insolvency Trustee to get the best debt assistance for your situation.
- [Creditor Negotiation in Toronto Ontario for Debt Relief](https://rkillen.ca/creditor-negotiation-for-debt-relief-in-toronto-ontario/) - We are experts in creditor negotiation in Toronto and experienced with various types of creditors to help you reach an agreement on your personal debt.
- [Credit Counselling, Debt Counseling and Debt Advice](https://rkillen.ca/credit-counselling-debt-counseling-and-debt-advice/) - With so many choices for debt relief, this video and article overview credit counselling, debt counciling and all types of services that offer debt advice.
- [Bankruptcy And Taxes](https://rkillen.ca/bankruptcy-and-taxes/) - In regards to bankruptcy and taxes, the Trustee prepares two tax returns in the year of bankruptcy. Any refunds from those returns are paid to creditors.
- [Bankruptcy and Student Loans- Are Student Loans Discharged?](https://rkillen.ca/bankruptcy-and-student-loans-are-student-loans-discharged/) - When it comes to bankruptcy and student loans, student loans are treated the same as other unsecured debt in that creditors cannot call you. Read the article.
- [Bankruptcy Alternatives In Toronto Ontario](https://rkillen.ca/bankruptcy-alternatives-in-toronto-ontario-for-debt-relief/) - By consulting with Richard Killen and Associates, clients get an idea of all the bankruptcy alternatives in Toronto that can help them get out of debt.
- [Bankruptcy Alternatives in Oshawa to Solve Your Debt Worries](https://rkillen.ca/bankruptcy-alternatives-in-oshawa-to-solve-your-debt-worries/) - You must never feel like your only option to get out of debt is bankruptcy. A Licensed Insolvency Trustee can recommend bankruptcy alternatives in Oshawa to settle debt.
- [Bankruptcy Alternatives in North York to Solve Debt Problems](https://rkillen.ca/bankruptcy-alternatives-in-north-york-to-solve-debt-problems/) - Bankruptcy Alternatives in North York like creditor negotiation, consumer proposals and consolidation loans are excellent debt solutions. Read more here.
- [Bankruptcy Alternatives in Mississauga For Eliminating Debt](https://rkillen.ca/bankruptcy-alternatives-in-mississauga-for-eliminating-debt/) - If you are unsure of what to do with your debt problem, a Licensed Insolvency Trustee can explain the bankruptcy alternatives in Mississauga applicable to you.
- [Bankruptcy Alternatives in Mississauga and Port Credit](https://rkillen.ca/bankruptcy-alternatives-in-mississauga-and-port-credit/) - If you are unsure about how to deal with your debt, a Licensed Insolvency Trustee is the right person to approach for bankruptcy alternatives in Mississauga.
- [Bankruptcy Alternatives in Georgetown for Debt Relief](https://rkillen.ca/bankruptcy-alternatives-in-georgetown-for-debt-relief/) - There are more options than just bankruptcy to get out of debt. Consult a Licensed Insolvency Trustee to know about all the bankruptcy alternatives in Georgetown.
- [Bankruptcy Alternatives in Toronto Ontario for Debt Relief](https://rkillen.ca/bankruptcy-alternatives-for-debt-relief-in-toronto-ontario/) - Only a Licensed Insolvency Trustee provides detailed information on the different bankruptcy alternatives in Toronto to identify the best solution to your debt.
- [Bankruptcy Alternatives for Debt Relief In Scarborough ON](https://rkillen.ca/bankruptcy-alternatives-for-debt-relief-in-scarborough-ontario/) - Bankruptcy Alternatives in Scarborough help clients find the best solution for their situation and eliminate their debt problems without declaring bankruptcy.
- [Achieve Debt Relief in Scarborough by Declaring Bankruptcy](https://rkillen.ca/achieve-debt-relief-in-scarborough-by-declaring-bankruptcy/) - There are many ways to achieve debt relief in Scarborough which is why Richard Killen and Associates is happy to discuss all options for your problem.
- [A Fresh Start through A Personal Bankruptcy in Georgetown](https://rkillen.ca/a-fresh-start-through-a-personal-bankruptcy-in-georgetown/) - Personal bankruptcy in Georgetown can mean a new financial beginning for people with debt, so consult a Licensed Insolvency Trustee to see if it is right for you.
- [Home](https://rkillen.ca/home-july2016/) - Get a free consultation from Richard Killen & Associates in Ontario to find the best way to solve your debt problems. Don't worry about your debt any longer!
- [Mississauga & Cooksville Licensed Insolvency Trustees](https://rkillen.ca/bankruptcy-trustee-in-cooksville-port-credit-mississauga/) - Licensed Insolvency Trustee in Mississauga and Cooksville that provide debt relief services like consumer proposals, personal bankruptcy and debt counselling.
- [BANKRUPTCY TRUSTEE INDUSTRY RESOURCES AND OTHER LINKS](https://rkillen.ca/industry-resources-and-other-links/) - If you need information on personal bankruptcy, bankruptcy trustee, credit counselling and consumer proposals, we've gathered a few industry resources and links for your convenience.
- [Licensed Insolvency Trustee Pickering and Ajax](https://rkillen.ca/consumer-proposals-bankruptcy-trustee-in-pickering-ajax/) - We are licensed insolvency trustee in Pickering and Ajax area, Ontario. We have helped thousands of people get out of debt, consumer proposals and many more.
- [Consumer Proposals Bankruptcy Trustee In Toronto](https://rkillen.ca/consumer-proposals-bankruptcy-trustee-in-toronto/) - A Licensed Insolvency Trustees in Toronto, Ontario that provide a free consultation to identify your best options for debt relief including consumer proposals.
- [OUR TEAM](https://rkillen.ca/our-team/) - Richard Killen & Associates team of skilled trustee in bankruptcy professionals are here to help you find the best possible solution to your financial problems.
- [Georgetown Debt Consolidation Loans for Debt Relief](https://rkillen.ca/georgetown-debt-consolidation-loans-for-debt-relief/) - This short read and video will give you a good overview of debt consolidation in Guelph, Georgetown and Halton Hills and other options for debt relief.
- [Consumer Proposal In Pickering Is A Great Solution to Debt Relief](https://rkillen.ca/pickering-consumer-proposals-offer-a-great-solution-to-debt/) - Do you live in Durham and in serious debt? Consider a consumer proposal in Pickering for debt relief with guidance through a Licensed Insolvency Trustee.
- [Accountants](https://rkillen.ca/accountants/)
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- [What factors determine if bankruptcy is the best solution for me?](https://rkillen.ca/what-factors-determine-if-bankruptcy-is-the-best-solution-for-me/) - If you are considering bankruptcy in Toronto, remember to call Richard Killen & Associates for a free consultation to see if it is the best solution for you.
- [Speaker Sean Killen](https://rkillen.ca/speaker-sean-killen/) - Sean has over 10 years of experience in helping individuals in financial turmoil in the Toronto Area (GTA) to review their options for debt relief, consumer proposals and personal bankruptcy.
- [Speaker Richard Killen CIRP](https://rkillen.ca/speaker-richard-killen-cirp/) - With 35 years experience, Richard brings an interesting and perhaps unique perspective to the issues surrounding consumer credit, bankruptcy and consumer proposals.
- [Testimonials](https://rkillen.ca/testimonials/) - Licensed Insolvency Trustees and Bankruptcy Experts, Richard Killen and Associates have helped many individuals find solutions for their financial worries by providing debt solutions for each situation.
- [Scarborough Debt Consolidation Loans - Are they for You?](https://rkillen.ca/scarborough-debt-consolidation-loans-are-they-for-you/) - Scarborough Debt Consolidation Loans are an ideal alternative to bankruptcy where a Licensed Insolvency Trustee negotiates with creditors to reach a debt solution.
- [LICENSED INSOLVENCY TRUSTEE SERVICES AND BANKRUPTCY IN ONTARIO](https://rkillen.ca/trustee-in-bankruptcy-services-and-bankruptcy-in-ontario/) - Licensed Insolvency Trustee locations across GTA that provides bankruptcy services to help you navigate the bankruptcy process & other solutions for your debt.
- [Our Videos](https://rkillen.ca/our-videos/) - Bankruptcy Trustee in Toronto, Richard Killen & Associates provides videos that offer information and solutions to many debt concerns and situations.

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