Take Your First Step Towards A

Debt Free Life

Consolidate Debt
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How We Help

Dealing with your debt doesn’t need to be complicated or scary. Just let us know how much you owe, who you owe it to, and how much you can afford to repay. Then we contact all your creditors to see if they will accept your offer. Once they agree to the offer, we combine all your debt into one low monthly payment, that you can afford. That’s what we do and that’s how we can help you Start Living Your Best Life™ Debt Free.

David Sklar & Associates Inc.
5.0
Based on 701 reviews
Maria Curbelo
19:59 18 Jun 21
I had a great experience with Rhoda at the Mississauga location. Extremely knowledgeable and helpful, she made me feel confident I had made the right choice contacting David Sklar and co. Highly recommend.
Mark Simmonds
21:50 16 Jun 21
I would just like to say thank you to David Sklar & associates for helping me out in this difficult time I was in way over my head, I was introduced to Jackie Stanley, at that moment things got better the calls stop. Jackie was so professional helpful, trusting answered all my calls all my Text, and emails professionally and respectful!! I can’t believe it, and now I’m gonna build my credit rating back up and have my life back Thank You, Jackie Stanley at David Sklar& associates, for doing an outstanding Job!!!!
Richelle Barriault
17:57 16 Jun 21
I am not very good at putting words together especially when your speechless for all the help from such a friendly happy non judgemental team. From being financially stressed and depression hitting all at once I connected with Jackie Stanley💯❤❤ from David Sklar team in a whole other level,she is an absolutely joy to deal with and very informative let me know there is light at the end of the tunnel.. despite my struggle the amazing lady Jackie Stanley was able to put a smile on my face and make me laugh super happy and grateful 🙏I was able to connect with her from David Sklar &Associates team I 💯 percent recommend her (Jackie Stanley) and will continue to recommend her. To any one looking to get out of debt or have any questions belive me when I say you will not be disappointed with Jackie she's such a great person and I'm lucky to have been able to recieve the help and guidance from such a wonderful person and you will be also...look no further no where but up from here ...Thank you So so much Jackie much appreciated
Grace Muller
17:55 25 May 21
I must admit that I am so glad I called! I spoke to Rhoda Lewis who right away made me feel at ease. She's so caring and supportive I highly recommend her. Thanks to her my life is now on track! Thank you David Skylar & Associates Inc!
Nicholas Burnett
17:07 19 May 21
Very professional and courteous. Jackie was very helpful and understanding. She was happy to answer any questions I had and we were able to process everything quickly with no hassle.
HN
23:00 06 May 21
I would say my experience with David Sklar was spectacular, they made it really easy for my through the whole process and now 9 months later my bankruptcy is discharged.i would recommend David Sklar to anyone.
A M
14:39 04 May 21
I had a nagging defaulted student loan that was holding me back. There were a few smaller issues that were compounding. The lockdowns really forced me to look into building back my credit and starting fresh.Ashley at David Sklar & Associates at the Keele and Finch location was a blessing. She was thorough in her explanations and answered any concerns I had. She gave me the options and let me decide what was best. After conferring with her, I decided bankruptcy was the best option. She made the process of filing for bankruptcy easy.There's nothing to be afraid of. Stigma attached to bankruptcy but you can reset if you work hard to make it happen.I highly recommend speaking with Ashley if you have any concerns about debt solutions.
Pilar
21:05 28 Apr 21
I highly recommend David Sklar & Associates Inc. They helped me with my finances along with the help of Ashley Carter whom assisted me thoroughly throughout the process of my Consumer Proposal. She is very friendly, professional and updated me occasionally through emails. With her tremendous help, I am very thankful to have accompanied someone like her!
Fribeda Fronda
19:14 27 Apr 21
In behalf of David Sklar & Associates, Ms. Ashley Carter had been working tremendously and diligently to make people’s lives easier and stress free. Through this debt free program, my husband and I had been relieved from the headaches and worries of our financial standing before. Ashley, a soft spoken lady was very approachable and listened to our concerns. She explained to us very clearly the good things that will happen to our best interest. I believe that she is a great asset to the company and an excellent counsellor. My husband and I can’t thank you enough, Ashley, for all your help during those times when we needed it most. As of now, we are enjoying life in our seventies, though how simple it is we are happy because we have the assurance that sooner we will be debt free. Thank you so much Ashley for your kindness and for always being there for us. May God bless you more especially with good health.
Dalia Berger
13:49 27 Apr 21
I was so impressed with the professionalism , the speed, the attention, the compassion, and the efficiency your office of David Sklar provided for me, you provided me with necessary information, you helped me solve a big problem I had , you were always available to answer my questions, I can’t thank you enough ,Will always recommend you to anyone who could use your services, thank youDalia Berger
Jay Caja
04:19 15 Apr 21
The support I received was thorough and timely and the help that I needed with Credit Proposal was addressed in a single interaction. Thank you so much!
stefania cicchino
13:54 27 Mar 21
We worked with Jackie. She is very professional and very caring. She is quick to respond and really cares about helping the people in front of her. I went with my uncle, who was scared of the whole process and mentally delayed. Jackie took her time with us and made him feel at ease. She carefully explained things multiple times and was very encouraging. She was a shining light in a difficult process.
Christine Lowe
16:44 12 Mar 21
Jackie is very professional, kind, supportive and super helpful. She was able to help me get back on track. Great service and I will definitely recommend them.
Belen Trava
19:01 11 Mar 21
Jackie provided me excellent service, was very helpful, and she made feel very secured and she listened to all my concerns.i was speechless with excellent service.
nicole lowartz
17:02 11 Mar 21
Had a great experience and successful result working with Carol at David Sklar & Associates! I was well informed and received great guidance after just the first conversation! She handled everything and helped me build a budget that is realistic and that i can really stick to! I highly recommend Carol and her team at David Sklar. Give them a call!
Kirah32
02:07 03 Mar 21
I've used these services twice and they have always been understanding, supportive and informative. They give you hope when you feel like there is none. I've referred multiple people to them and they've all had the same professional experiences. Jackie Stanley was amazing and got the job done. Thank you!
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It’s Your Choice

Find out what solution is right for you

At David Sklar & Associates, our Licensed Insolvency Trustees in Ontario have the experience and knowledge to help you get out of debt. 

We make it easy to reach our Licensed Insolvency Trustees during the pandemic by offering over the phone, video conferencing or in person consultations (by appointment only). Solving your debt problems should not be put on hold by the pandemic. It is important to know that the entire process can be completed via video conferencing and Docusign, there is no need to visit us in person

Call: 1-844-962-9200

Our Debt Solutions

We will help you understand all your options

Consumer Proposal

A consumer proposal is an alternative to bankruptcy and can reduce your debts by up to 80%. It also allows you to keep all your assets, freezes interest charges, stops collection calls, and stops any legal actions made against you.

Personal Bankruptcy

Bankruptcy should never be entered into lightly and should only be considered after speaking with a licensed insolvency trustee. We’ve helped thousands of people weigh the pros and cons and when needed, navigate this process.

Credit Counselling

We provide credit counselling to help you establish better spending habits that will lead to a more financially responsible life. Our strategies will help you manage credit, budget money, save money, and get you back on track.

Debt Consolidation

A Consumer Proposal is a better way of consolidating all your debts into one low monthly payment. It’s a legal agreement you make with the help of a Licensed Insolvency Trustee and is a federally regulated program.

SEE HOW MUCH YOU CAN SAVE

A consumer proposal can reduce what you owe by up to 80%

$10,000 $250,000

Your Options
What you pay
Consumer Proposal (0% Interest)
$5,300
Do Nothing (19% Interest)
$15,564
Debt Consolidation Loan (30% Interest)
$19,411

* Calculations are made over a 5 year period

*This is a tool for comparisons purposes only. We have used average interest rates in these calculations and the most common consumer proposal terms. The exact results may vary depending on the actual interest rates of your debts and the exact status of your financial situation.

Get relief from the stress of debt!

You've Got Nothing To Lose!

We’re licensed by the government to offer Consumer Proposals that can help reduce your debts by up to 80%. After evaluating your finances, we speak with your creditors to negotiate a reduced payment. Once your offer is approved, you will have one low monthly payment to make without interest, collection calls will stop, and you keep all of your assets.

David Sklar & Associates can help you every step of the way. You have nothing to lose and everything to gain! 

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There is no greater reward than knowing we made a difference in someone’s life!

Our customers say it best

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We know you have a lot of questions, take some time to review our blogs

Frequently Asked Questions

Debt Relief Options Available to Seniors

When you become a senior, your relationship with money changes in a drastic way. It’s no longer something you can expect to keep coming in every two weeks through employment income. If you are still working, it’s likely that one of your financial goals is to eventually stop depending on that salary.

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The Right of Offset: What It Is & How It Works

When you owe money to the bank, whether it’s through a line of credit or a credit card, the bank can take money right out of your account if you fail to keep up with payments. This is known as the right of offset, and if it happens to you, it can be a serious wake-up call that forces you to deal with financial difficulties.

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Credit Card Debt

Credit Card Debt In Ontario

Many people in Ontario have way too much credit card debt and as a result, find it difficult to make even minimum payments on their cards. Managing credit card debt with a consolidation loan is only one of the options available to consumers and may not be your best option.

Read More »

7 locations to serve you better

Toronto (St. Clair & Bathurst)

416-652-0800

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North York (Don Mills & Sheppard)

416-498-9200

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Downsview (Finch & Keele)

416-667-1507

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Brampton (Hurontario & Steeles)

905-216-8100

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Hamilton (Main St W & McNab)

905-521-8686

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Mississauga (Dundas & Hurontario)

905-566-7905

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Pickering (Kingston Rd & Brock Rd)

905-426-1818

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