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DEBT RELIEF STARTS HERE!
If your debt stress is taking its toll on your health, family and career, we are here to help you get back on track financially. Put an end to sleepless nights and wondering how you’re going to make this month’s payments.
We have helped thousands of people in the GTA to get out of debt with a 99% percent success rate.
Consumer Proposals
A consumer proposal is a popular alternative to bankruptcy – partial repayment plan based on your means to provide debt relief.
Bankruptcy Solutions
Sometimes no matter how hard you try to meet your financial obligations, declaring bankruptcy is the only responsible solution.
Credit Counselling
This service provides better resources to manage finances & debt going forward. Reducing stress and keeping you financially fit.
We have assisted thousands of people like you to become debt free.
CALL ANY OF OUR OFFICES IN THE GTA FOR A FREE CONSULTATION WITH A TRUSTEE 1-888-545-5365
Recent Activity
How to Lower Your Heating Costs
As the cold weather descends, Canadians are faced with their annual challenge of how to stay warm without breaking the bank – especially as the cost to heat homes rises. To lessen the damage to household budgets caused by high fuel costs, here are five common-sense steps ...
Consumer Proposal Rejection?
So the consumer proposal that you’ve filed in Ontario will soon be presented to your creditors. You’ve worked with a Licensed Insolvency Trustee, such as Richard Killen & Associates, to come up with a reasonable payment plan for your debts They helped you ...
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. But what now? How do you rebuild your credit rating? Find Out Where ...
Who Does a Bankruptcy Trustee Work For?
We’re often asked by people who consult us: “Whom do you work for, the creditors or me?” The answer is: neither and both. To do our job properly, we need to work with both parties. To be clear, a bankruptcy trustee is an officer of the court. We are ...
How Much Debt is too Much Debt?
Canadians like their stuff. They’re not afraid to go into debt for their new cars, homes, large-screen TVs and other items, big ticket and small. As a result, many of us owe way too much. Moody’s, one of the world’s leading credit agencies, recently ...
Gambling with Bankruptcy
Gambling can be a serious and addictive behaviour that plays havoc with people’s finances as they chase their losses. More importantly, it can have a really devastating effect on peoples’ lives. According to government stats, there are a couple of hundred ...
What Happens if I Default on My Consumer Proposal?
As a rule, it’s not good to default on any kind of debt. A proposal for an individual – most commonly called a “consumer proposal” – is one of the two ways of addressing a severe debt issue under the Canadian Bankruptcy and Insolvency Act. The other, ...
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. Here are five problems that can torpedo a budget and ways to cope with them. 1. Food Eats up Your Budget ...
Rich, Richer. Poor, Poorer
Apparently the wealth gap is growing in this country, as the rich get richer and the poor get poorer. So says the Broadbent Institute, supporting its case with StatsCan numbers. Canada’s poorest 10% saw their net worth plummet some 150% since 2005, while the top 10% ...
Back to School Budgeting Tips
Parents everywhere can breathe a sigh of relief as their kids go back to school. However their happiness at no longer having to keep young ones amused is tempered by the worry of school-related costs: supplies, class trips, clothing, etc. We feel your pain. Here are some ...
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What Our Clients Say
Mr. Killen and Miss Linda and everyone else hope you enjoyed The Merriest of Christmases and wishes for you that 2018 is the best year EVER!
Thank you all for your assistance over the past couple of years. You made my life and circumstances more bearable.
Happy Christmas to you and all of the stellar staff at Killen and Associates. It was the most stress-relieving call I’ve made and everyone was so very kind.
Wishing you all time spent in the company of those you love over the Christmas Season and a Healthy and Happy New Year!
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