To all Richard Killen & Associates Ltd. Customers

I know that many of you may be concerned about how this COVID-19 situation might affect your bankruptcy or proposal with us. Click here to read about the procedures we have put in place to ensure everything continues as smoothly as possible during this pandemic. But, if you still have questions call us. We are definitely here for you.

Stay safe.
Richard Killen, LIT, CIRP

Richard Killen & Associates

Enjoying Every Minute Together.

DEBT RELIEF STARTS HERE!

If your debt stress is taking its toll on your health, family and career, we are here to help you get back on track financially. Put an end to sleepless nights and wondering how you’re going to make this month’s payments.

We have helped thousands of people in the GTA to get out of debt with a 99% percent success rate.  

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

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

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

Consumer Proposal Meaning- What Is a Consumer Proposal?

Consumer Proposal Meaning- What Is a Consumer Proposal?

People often ask, what is a consumer proposal what is the consumer proposal meaning or definition and how similar is it to a debt consolidation loan? A proposal is like a consolidation loan where your payments are made affordable and downgraded into a single monthly ...
Stop Harassment by Creditors

Stop Harassment by Creditors

Debt collectors can be, uh, zealous in their pursuit of money owed. Stories of daily phone calls, threats, bothering friends and relatives, and late-night contacts abound. In some cases debt collectors have aggressively pursued ridiculously small amounts of money, and even ...
Five Myths About Bankruptcy

Five Myths About Bankruptcy

When facing financial desolation, it’s hard to think straight, you are so gripped by worry. Bankruptcy plays into many people’s doomsday scenarios, imagining that it will be the end of them financially and personally, as family relationships are ripped apart under the ...
Canadians Groan Under Unprecedented Debt Burden

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. A new survey conducted by credit rating agency Equifax Canada reveals that Canadians are groaning under record levels of debt: $1.422 trillion in the fourth quarter of ...
Five Ways to Rebuild Your Credit

Five Ways to Rebuild Your Credit

You’ve gone through a bankruptcy and you want to get your life back to normal as fast as possible. 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 – as soon as you ...
Is A Spouse Responsible For Credit Card Debt in Canada?

Is A Spouse Responsible For Credit Card Debt in Canada?

When it comes to marriage, a question may arise: Is a spouse responsible for credit card debt in Canada if the other spouse declares bankruptcy? Sorry, Dear, I’m Bankrupt. Nothing can make for a frostier breakfast conversation than revealing your financial woes have led to ...
Will I Lose My Home in a Bankruptcy?

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. Is this fear justified? Not really, or not in the normal course of a bankruptcy. Yes, when you go bankrupt, you give control of your assets ...
Highway No Longer Takes Toll on Bankruptcy

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. A January 2nd Toronto Star article states, “A recent series of court ...
Consumer Proposal or Bankruptcy?

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. The first three options you can handle yourself (we don’t recommend ...
Cure Your Holiday Hangover with Credit Free Fridays

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. We will make New Year’s resolutions and vow to shed weight at the gym and through dieting. Why not put your budget ...




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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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"Serving the GTA for 25 years."