In this video we provide an overview of Credit and Debt Counselling In Toronto, Ontario

A lot of people are having a hard time paying their debt may it be credit card or any other debt.

Are you one of them? Are you also struggling to manage your debt for months or years? Are you one of the people who ignore the problem or wait out and let it accumulate or stubbornly hold on in fear of declaring bankruptcy.

To get the best solution, you should talk to a debt counsellor, but not all of them can explore the right solution for you. Debt counseling is a good alternative to bankruptcy wherein a lot of people do not want to consider bankruptcy as a solution to their problem.
At Richard Killen & Associates talking, with a Licensed Insolvency Trustee (LIT) will guide you through all the solutions that may be right for you so you can make the right decision for your situation.

Consulting with a trustee doesn’t mean you are filing bankruptcy instead they will review your situation and give you all your options to find the right solution to your debt problems which include credit and debt management, consolidation loan, informal proposal, consumer proposal and personal bankruptcy.

At Richard Killen & Associates we are offering debt and credit counselling for over 25 years and makes use of a combination of tools to help you get out of debt but not only that we also provide basic credit education about budgeting and money management skills to help you achieve your financial goals.

For more information contact Richard Killen & Associates at 1 (888) 545-5365 or visit our website at

We have offices over the GTA. Visit for more information.

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Richard Killen and Associates have 10 locations across the Greater Toronto Area.

Richard Killen & Associates Ltd Scarborough West
2130 Lawrence Ave, E #402, Scarborough, ON M1R 3A6, Canada
Tel: +1 416-285-9511

Richard Killen & Associates Ltd Scarborough East
2100 Ellesmere Road,
Suite #201D Scarborough, ON M1H 3B7, Canada
Tel: +1 416-644-1212

Richard Killen & Associates Ltd Toronto on Danforth
2600 Danforth Avenue,
Toronto, ON M4C 1L3, Canada
Tel: +1 647-699-3916

Richard Killen & Associates Ltd Etobicoke
2150 Islington Ave #202,
Etobicoke, ON M9P 3V4, Canada
Tel: +1 647-932-5593

Richard Killen & Associates Ltd Richmond Hill
9140 Leslie Street
Richmond Hill, ON L4B 0A9, Canada
Tel: +1 905-513-0699

Richard Killen & Associates Ltd Brampton
284 Queen St. East, Suite 224,
Brampton, ON L6V 1C2, Canada
Tel: +1 905-456-3311

Richard Killen & Associates Ltd Mississauga & Erin Mills
2155 Leanne Blvd #203,
Mississauga, ON L5K 2K8, Canada
Tel: +1 905-822-1151

Richard Killen & Associates Ltd Mississauga and Cooksville
130 Dundas St E #304,
Mississauga, ON L5A 3V8, Canada
Tel: +1 289-724-1099

Richard Killen & Associates Ltd. Georgetown & Brampton
348 Guelph St,
Georgetown, ON L7G 4B5, Canada
Tel: +1 647-492-2219

Richard Killen & Associates Ltd Pickering & Ajax
1410 Bayly Street, #6
Pickering, ON L1W 3R3
Tel: +1 905-420-6565

Richard Killen & Associates Oshawa & Whitby
146 Simcoe St N,
Oshawa, ON L1G 4S6, Canada
Tel: +1 289-312-8872

Debt Consolidation Plan (DCP) is a debt refinancing program which offers the borrower the option to consolidate all unsecured debts (such as credit card debts and some types of unsecured loans) across different banks into a single term loan with one bank. Certain types of unsecured debts are excluded and you must meet the eligibility criteria before banks consider your application.

Language: English
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Hi! Today’s video has our progress for our debt in October 2020. ?
Hope you enjoy the video!!

Answers to your burning questions:
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• its_brendle –

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• Erin Condren –
*If it is your first time buying & creating an account, you will get a $10 off coupon your first purchase and I will also receive a $10 coupon*

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• Caffeinated Cait’s Etsy page –
• This kit is called October Pumpkin Patch
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• Thumb – Mindy by KL Polish – no longer available
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DISCLAIMER: The links included in this description might be affiliate/referral links. If you purchase a product or service with the links that I provide I may receive a small commission. There is no additional charge to you! Thank you for your support! This video recording gives you a quick overview of debt counselling found in Richmond Hill and adjacent areas of Vaughan and Markham regarding what debt counselling is with your alternatives to debt counselling in the Greater Toronto Area.

Personal Debt Counselling in Richmond Hill
A number of people today have trouble paying their financial debt, whether it is charge cards or various other types of debt.

Are you among them?

Are you likewise having problems getting rid of your own personal debt for months or perhaps many years?

Are you among the many people who neglect the issue or simply wait and allow it to accumulate, or stubbornly hang on in worry about declaring bankruptcy?

The way to obtain the most effective option could well be obtaining help and advice through a financial debt professional, although not debt counsellors can offer you all the options that may be the most beneficial option for you.

Financial debt counselling is an excellent alternative to personal bankruptcy, wherein quite a lot of men and women who do not desire bankruptcy as a fix to their financial troubles.

Speaking with a Licensed Insolvency Trustee will direct you through each of the alternatives that may be appropriate for you, in order to make the most suitable choice for your circumstance.

Consulting with a trustee doesn’t mean you are filing for bankruptcy, instead they’ll review your circumstance and give you all your options to obtain the right choice to your debt worries, such as credit and debt management, a consolidation loan, a consumer proposal and individual bankruptcy.

Richard Killen and Associates have been offering personal debt and credit counselling for more than 25 years. We utilize a combination of tools to ensure you get out of debt but not simply that, we provide basic credit education with regards to budgeting and money management skills to assist you to achieve your financial goals.

“This Could Be The Most Stress Relieving Phone call You’ll Ever Make!”

Call +1 905-513-0699

We have offices over the GTA. Visit for more information.

Richard Killen & Associates Ltd Richmond Hill
9140 Leslie Street
Richmond Hill, ON L4B 0A9, Canada
Tel: +1 905-513-0699

Richmond Hill Licensed Insolvency Trustee

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9 Characteristics of Debt Free People (How to Become Debt Free)

What characteristics make up the debt free community? Those who become and stay debt free aren’t your typical people as so many in today’s world become consumed by instant gratification and overspending. With debt payments devouring a large chunk of our paychecks, it’s incredibly difficult to not only save up for future purchases but set aside money for wealth creation. This video covers some of the traits of people who are debt free and are able to sleep better at night and live a less stressful life because of it.

Hear from Susan Marvin, chief of the Florida Dispute Resolution Center as she provides a lot of general information about mediation, certification, and training.

When you’re put under debt review, you can’t incur more credit or debt until you get your clearance certificate. The NCA will also protect you from the constant hounding creditors usually do to underpaying customers.
There’s no other way to remove debt review from the ITC records than to satisfy the requirements of the program. Once a court order has been signed and you’re officially under debt review, the only way you can make an early exit is to satisfy all the criteria to obtain a clearance certificate.

According to a recent court order regarding an early exit from a debt review program, you can’t simply exit from the debt review process using your improved financial situation as an excuse. Even if your finances are more stable, you must complete the debt review process and just pay extra to exit earlier and satisfy the stipulated requirements for clearance. Otherwise, if you still haven’t removed your over-indebtedness, there’s no way you can exit the debt review program.

But in case you’re clear from over-indebtedness and your debt counsellor refuses to issue a clearance certificate

In the U.S., nearly 60 percent of bankruptcies are caused, in part, by medical bills. Finding ways to lower those bills has never been more important. A new program in Texas may be the solution. Mireya Villarreal reports.

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