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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

Things You Can Do in Toronto for Free or for Cheap While Paying Off Debt

Things You Can Do in Toronto for Free or for Cheap While Paying Off Debt

There are many things you can do in Toronto for free or almost free. If you’re climbing out of a difficult debt situation – making lifestyle sacrifices is necessary. You need to tighten your budget and settle into a new lifestyle with a monthly budget that’s been ...

2 Things You Can Do To Take Control of Debt

2 Things You Can Do To Take Control of Debt

If you are struggling with debt, you are certainly not alone. Most Canadians, if not all, have debt. Some of us have just a little bit of debt and that’s completely normal, and we must know how to take measures to keep it at a manageable level and avoid becoming trapped in ...

Good and not-so-good debt: What’s the difference?

Good and not-so-good debt: What’s the difference?

If you use credit with good judgment and with a solid plan to pay it off, you stand a good chance of profiting from the funds you borrowed. It’s important to remember that when it comes to taking on debt, you should approach the decision carefully and only take on debts ...

Understanding our cashflow is the key to managing our debt

Understanding our cashflow is the key to managing our debt

The new year is around the corner, so have you given any thought to the potential financial hangover you may wake up to in early January? Perhaps you spent too much, even though you created a holiday budget. If you think you might have spent more than you planned, here are ...

Avoid post-holiday debt stress — create a budget

Avoid post-holiday debt stress — create a budget

As we get closer to the holiday season, there is one thing we can all agree upon: the holidays stress us out. Whether we’re juggling an increased social calendar, rushing to finish work before the end of the year, or trying to grab that last-minute gift, we’re all feeling ...

2018 INSOLVENCY & RESTRUCTURING EXCHANGE

2018 INSOLVENCY & RESTRUCTURING EXCHANGE

On October 26, 2018, Richard Killen, Bonnie Bryan and Michele Meitz attended the 3rd annual 2018 Insolvency & Restructuring Exchange in Toronto. This is the Canadian Association of Insolvency and Restructuring Professionals (CAIRP) largest one day event of 2018. Almost ...

A Person in Toronto Asks -Should I Go Bankrupt?

A Person in Toronto Asks -Should I Go Bankrupt?

In this video, Richard Killen, a Licensed Insolvency Trustee with offices across Toronto answers the question. I don’t know how many times I have been asked by somebody during the course of the free consultation we provide to consumers at the beginning. What do you think, ...

What happens to my tax refund in a bankruptcy or consumer proposal in Brampton?

What happens to my tax refund in a bankruptcy or consumer proposal in Brampton?

In this video, Richard Killen, a Licensed Insolvency Trustee with offices in Durham region (Pickering & Oshawa) talks about whether a person’s income tax debt can be included in a personal bankruptcy in Ontario. Something that comes as a big surprise to a lot of people ...

Can I Include Income Tax Debt In My Bankruptcy in Durham, Ontario?

Can I Include Income Tax Debt In My Bankruptcy in Durham, Ontario?

In this video, Richard Killen, a Licensed Insolvency Trustee with offices in Durham region (Pickering & Oshawa) talks about whether a person’s income tax debt can be included in a personal bankruptcy in Ontario. Something that comes as a big surprise to a lot of people ...

What is the minimum debt required to Declare Bankruptcy in Scarborough Ontario?

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. I often am asked by people in Scarborough, what is the minimum debt before I can declare bankruptcy? Many people ...



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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."