Recently Added Videos 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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If you’re looking for debt help in British Columbia, here’s what you need to do. Learn more:

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Welcome to The Dave Ramsey Show like you’ve never seen it before. On this channel, you will find all of the greatest highlights from The Dave Ramsey Show! The show also live streams on YouTube M-F 2-5pm ET! Watch Dave live in studio every day and see behind-the-scenes action from Dave’s producers. Watch video profiles of debt-free callers and see them call in live from Ramsey Solutions. During breaks, you’ll see exclusive content from our Ramsey Personalities —as well as all kinds of other video pieces that we’ll unveil every day.

The Dave Ramsey Show channel will change the way you experience one of the most popular radio shows in the country!

Isn’t everyone in debt? How do you know when it’s too much? Here are some signs that it’s time to seek an outside opinion on your debt load.

Debt Review
How it works?
What is the debt review process?

Debt consolidation can help you pay off debt faster and help you save money by lowering your interest rate, if you do it the right way. If you don’t do it the right way it can cost you more money and take you longer to pay off. Learn how to use debt consolidation the right way. #debtconsolidation #financialseeds


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Track Name:”Days Like These”

Content by Craig Bailey, licensed financial advisor, creator of Bible-based financial advice for millennial couples.