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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.

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

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 in bankruptcy 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 ...

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 in Ontario 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 ...

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 in Ontario 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 ...

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 Licensed Insolvency Trustee in bankruptcy in Scarborough Ontario 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 in ...

Can I Cancel My Personal Bankruptcy in Toronto, Ontario?

Can I Cancel My Personal Bankruptcy in Toronto, Ontario?

 Sometimes I get asked by people who have recently filed personal bankruptcy whether or not they can cancel their personal bankruptcy in Ontario. Perhaps they have changed their mind and are wondering if their bankruptcy can be canceled? The short answer is no, the ...

In Toronto Are My Spouse’s Assets Affected By My Bankruptcy?

In Toronto Are My Spouse’s Assets Affected By My Bankruptcy?

In this video, Richard Killen, a Bankruptcy Trustee in Toronto talks about, the effect of your bankruptcy or your wife or husband’s assets. I am often asked is “Are my wife’s or husband’s assets be affected in any way?” Generally speaking, the way bankruptcy works, the ...

Verifying statement of affairs

Verifying statement of affairs

I mean basically, think of it this way, if you come in to see me, and you are having trouble paying your bills and all that, and it’s been a very rough two years for you and so on, so you come in, and now do I not believe you when you start telling me ...

Licensed Insolvency Trustee Explains Consumer Proposals

Licensed Insolvency Trustee Explains Consumer Proposals

 In this video, Richard explains in simple language how consumer proposals in Toronto work as many people are not terribly familiar with them. First of all, a proposal is a proposal. There are two types, consumer proposals and regular proposals. The regular one has been ...

Why a bankruptcy trustee is like a bus driver

Why a bankruptcy trustee is like a bus driver

Now it is not really an exercise to be all things to all people, or anything like that, it’s not the way the law works, but it is there essentially to protect the rights of people. And when those rights come into conflict, then the court is asked to step in and decide. But ...



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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."