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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 Rebuild Your Credit Rating

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?

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?

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 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?

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, of ...

Five Ways to Sink Your Budget

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

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

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 ...

Long Car Loans Drive us into Debt

Long Car Loans Drive us into Debt

Canadians are driving into fast debt with slow repayment car loans. Taking advantage of low interest rates and small-to-zero down payments, they are buying cars in record numbers. According to an August 2014 Financial Post article, rather than four to five years, many of ...

How Do I Stop Wage Garnishment?

How Do I Stop Wage Garnishment?

Wage garnishments pack a double whammy. Not only do you lose control of your finances, you have the embarrassment of your employer knowing that you are suffering money troubles. So how do you keep your salary in your hands? Wage garnishment is a legal proceeding set in ...



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About Richard Killen & Associates


Since 1992, Richard Killen & Associates, a Licensed Insolvency Trustee, have helped thousands of people resolve their financial problems. With 25 years experience in this industry, our president, Richard Killen, and the rest of our team understand the difficulties that honest people can sometimes find themselves in. This expertise makes it possible to provide you with a service that effectively deals with the issues.


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1-888-545-5365


"Serving the GTA for 25 years."