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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

What Happens If My Employer Declares Bankruptcy?

What Happens If My Employer Declares Bankruptcy?

In this video, Richard Killen, Licensed Insolvency Trustee based in Toronto, Scarborough, and 8 other debt relief locations in Ontario talks about what happens if your employer declares bankruptcy. If you find yourself out of work because your employer has gone bankrupt the ...

Personal Finance- New Years Resolutions

Personal Finance- New Years Resolutions

In this video, Richard Killen, Licensed Insolvency Trustee providing debt counseling in Toronto, Scarborough, Ontario talks about New Years Resolutions about personal finance. Though New Years’ Resolutions, by and large, tend to last no longer than it takes to make ...

Christmas Credit Hangover

Christmas Credit Hangover

In this video, Richard Killen, Licensed Insolvency Trustee based in Toronto talks about buying Christmas gifts on credit cards. It is important to remember that credit card bills don’t take a Christmas holiday. Christmas brings out the “giving” in us, ...

Consumer Proposals in Toronto

Consumer Proposals in Toronto

In November 1992 the Bankruptcy Act received a broad overhaul for the first time since 1966. If you can imagine the changes that had taken place in Canadian society between those years you can understand that this was due; probably overdue. One of the main changes to the ...

Debt Counselors Toronto and Consumer Credit

Debt Counselors Toronto and Consumer Credit

Many, many times in the years that I have been a Licensed Insolvency Trustee in Toronto I have met people who had very little understanding of how credit works, especially consumer credit. In fact, when I started my trustee business one of the first persons who came to work ...

Bankruptcy Counselors Toronto vs Licensed Insolvency Trustee

Bankruptcy Counselors Toronto vs Licensed Insolvency Trustee

It almost sounds funny, doesn’t it? Bankruptcy Counselors Toronto – somebody who counsels people, presumably in Toronto, on how to go bankrupt? Perhaps the term is misleading? I think so. Real Bankruptcy Counselors, in Toronto or elsewhere, don’t counsel people to go ...

Insolvency Solutions and Information on the Internet

Insolvency Solutions and Information on the Internet

You are probably reading this on our website. Everybody nowadays seems to use the internet to look things up and research matters of interest to them. Insolvency solutions (bankruptcies and consumer proposals) are not an exception. There are a thousand different things that ...

How Does A Consumer Proposal in Toronto Work?

How Does A Consumer Proposal in Toronto Work?

You hear a lot about consumer proposals in Toronto nowadays. Since, in my experience, practically nobody wants to do a bankruptcy it’s no wonder that consumer proposals have become the most talked about part of the personal insolvency business. In fact almost half the ...

Consumer Proposal vs Bankruptcy- which to choose?

Consumer Proposal vs Bankruptcy- which to choose?

I’ve been in the insolvency business in Toronto for over 34 years and in all that time I don’t ever remember meeting anyone who actually wanted to go bankrupt. Let’s face it, who would? I have met an awful lot of people who did realize and accepted that ...

A New Name – Licensed Insolvency Trustee

A New Name – Licensed Insolvency Trustee

The bankruptcy and proposal business is going to have a new player – at least it will appear that way. Since 1920 Trustees have had the title “Trustee in Bankruptcy”. Effective April 1st, 2016, Trustees are going to have a new name. We will be called “Licensed ...









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“Serving Toronto & the GTA for over 25 years.”


What Our Clients Say

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!

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.






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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.


Contact us now for a fresh start!
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"Serving the GTA for 25 years."

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"The Most Stress Relieving Call You’ll Ever Make!"