Ajax, Ontario

Find debt relief in Ajax with David Sklar

Debt Relief – Ajax, Ontario

You’ve found yourself in debt. We can show you the way out!

Our supportive and caring staff can provide you with a phone or video conferencing consultation, to help you find debt relief. All documents and counselling sessions can be completed digitally, eliminating the need to miss time at work or meet in person. Our goal is to give you the information you need to make the right decision, you’ve got nothing to lose but the debt!

 

Start the conversation.

Becoming debt free is easier than you thought possible.

Finding yourself in debt can be very stressful and overwhelming. Whatever stage you are at, we can help. 

Start with a free consultation where we will provide you with a confidential assessment of your finances. We will help you find the best solution for your specific financial needs and take the time to explain every step of the process, ensuring you will feel confident about your decision. We are not here to judge you we are here to help you rebuild your finances and start living the life you deserve.

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Find out how much you can save with our Consumer Proposal Debt Calculator

Use the slider below to tell us how much you owe and we will show you how much you can save!

*Do Not Include Mortgage or Car Loan Debt.

$10,000 $250,000

With a consumer proposal at 0% interest, you will only have to pay back:

$3,480/$58 per month

*This calculator is for demonstration purposes only. Your results may vary based on your unique financial situation.

Our customers

We take great pride in what we do. Hearing our customers talk about how we’ve made a difference in their lives is our greatest reward.

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We help folks from all walks of life and we can help you, too.

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Helping with compassion

We are a team of Licensed Insolvency Trustees (LIT) which means we can help you out of whatever financial difficulty you’ve found yourself in and we’ll do so with human compassion. 

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No cost to you

We are federally regulated and it doesn’t cost you anything to meet with us to learn about the different debt options available to you. Not all debt solution providers can provide you with the knowledge or legal protection a Licensed Insolvency Trustee can. We do not work on commission and we will never ask you for any upfront fees.

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With you every step

This can be a very stressful and overwhelming time. You might even have trouble sleeping. But rest assured that no matter how worried you are about your financial situation, we can help. We will clearly explain your options and help you start building a brighter financial future for yourself and your family.

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Certified licensed professionals

Licensed Insolvency Trustees are not just federally licensed. They are federally regulated, too by the Office of the Superintendent of Bankruptcy (OSB) to ensure that they’re upholding the high standards of the job and not violating a strict code of ethics. These rules are in place to guarantee Canadians the support that they need when they’re at their most vulnerable.

How can we help in Ajax?

Consumer Proposal is a legally binding agreement offered by the federal government that significantly reduces the amount of debt you owe to your creditors. A consumer proposal is a popular alternative to bankruptcy as it consolidates and reduces the total amount of debt you owe, stops accumulating interest charges, stops wage garnishment, stops legal action, provides relief from collection calls and allows you to keep your assets. 

At David Sklar & Associates we will help you every step of the way through the proposal process to present the best offer possible to your creditors. After your proposal is accepted by your creditors you will be asked to make monthly payments for up to 5 years, that are based on your income, expenses, assets and what you can afford to pay. The proposal is a fair solution for everyone involved. Speak to our Licensed Insolvency Trustee first to understand all of your options.

Learn more about Consumer Proposals

We understand that most of the people we help never imagined they would find themselves in such a difficult financial crisis. Most of the people we work with tend to be hard-working, honest people who, often for reasons beyond their control, are simply not able to pay back their debts.

Before we recommend personal bankruptcy, we work closely with you to see if any other debt repayment options can be used as an alternative, like a Consumer Proposal. Only when we are satisfied that personal bankruptcy is in your best interest, do we recommend this process. Speak to our Licensed Insolvency Trustee first to understand all of your options.

 

Learn more about Personal Bankruptcy

We’ve all seen the ads claiming how a debt consolidation loans can get you out of financial trouble and reduce your monthly payments. Yet, you should know there can be significant risks with this approach.

If you have missed even one payment or received a collection call, it may be too late to qualify for a bank loan. To get a debt consolidation loan from a bank, you will need a spotless credit history, steady income, equity in your home or a co-signer.

If you use the equity in your home and are unable to make the payments, you could lose your home. Frequently, people who take out debt consolidation loans don’t know about the hidden high interest fees and find themselves in even more debt than before.

Speak to our Licensed Insolvency Trustee first to understand all of your options.

Learn more about Debt Consolidation

It’s stressful and overwhelming to carry large amounts of debt. Are you struggling to break the debt cycle? We can help you develop a better relationship with money. 

Our team of Licensed Insolvency Trustees has been providing credit counselling in Ontario since 1997. 

Learn more about Credit Counselling.

Start by booking a free consultation where a Debt Solution Manager will provide you with a confidential assessment of your finances. Our team members will help you find the best debt relief solution for your specific financial needs and will give you as much time as you need. Nobody is ever rushed out of our office. We will explain every step of the process to you, ensuring you feel confident about your decision. Remember, we are not here to judge you. We are here to help you rebuild your finances and start living the debt free life you deserve.

At David Sklar, we have Licensed Insolvency Trustees who have years of experience providing debt relief services to Ontario residents looking for a fresh financial start. Specializing in consumer proposal, bankruptcy, and credit counseling, our trustees will explain all your options and customize a debt recovery plan that’s manageable for your unique situation. Many of our clients are surprised to learn there are more options than bankruptcy or debt consolidation! Our experienced team of non-judgmental, knowledgeable, and caring individuals all have one goal—to help you regain control of your finances. Schedule a confidential appointment today. You deserve a fresh start.

Managing your student loan debt is important. If you decide to declare bankruptcy seven/or more years after you have ceased to be a student (part/full), your student loans will be eligible for discharge.

Speak to our Licensed insolvency Trustee to review your current financial situation they will provide you will all the options available to help get you out of debt.

Learn more about Student Loan Debt

Many people in Ontario have way too much credit card debt and find it difficult to manage even minimum payments. We can help you consolidate all your credit card debt, eliminate interest charges and reduce the total by up to 80%. 

It’s not a loan, it’s a government-approved settlement plan that gives you a maximum of 5 years to complete your payments to creditors.

Learn more about Credit Card Debt

Income Tax debt can be a difficult challenge to overcome. Our Licensed Insolvency Trustee’s help people who are overwhelmed by their debt load and have fallen behind filing their Income Tax. We can help negotiate with Revenue Canada to accept a reduced amount on your outstanding taxes and put a stop to the interest charges and penalties.

During your free consultation we will discuss all your options and help you prepare the required documentation. This will include getting your Income Tax reporting up to date. We will then speak to CRA on your behalf and request a reduction to your unpaid taxes.

The results of filing vary from situation to situation, but our experience has been that Revenue Canada is reasonable in its handling of people looking to resolve their debts and not avoid financial responsibilities.

Learn more about Income Tax Debt

Payday loans are short-term loans that are not borrowed from banks. Instead, they are borrowed from private companies.

What makes payday loans so attractive to someone struggling to make ends meet is that they’re very easy to get. However, they can become a debt trap, since they are exempt from the 60% interest rate limitation. Therefore, the annual interest rate on a payday loan is close to 400% or higher if you miss payments. 

We can help you determine the best option for you to help you out of the payday loan debt trap.

Learn more about Payday Loan Debt

Your mortgage and car debt are both examples of secured debt. This means that when you borrowed money to pay for your house or your car, the bank loaned you the money because they could easily take the asset back if you can’t make your payments.

Is a consumer proposal right for you?

Consumer proposals are interest-free, so you may find it more manageable to cover your mortgage and car payments that way. Consumer proposals will not allow you to include secured debt (like your mortgage or car loans), but you will be able to reduce other forms of debt by up to 80%.

Learn more about Mortgage/Car LoanDebt

When you need or want an expensive item and interest rates are low, it’s hard to resist the temptation to take out a line of credit rather than waiting until you have enough saved up to make the purchase yourself. This cycle of borrowing instead of saving is very easy to fall into.

Do you have a line of credit, overdraft protection, or other personal loans that you’re trying to pay off? You may be struggling to come up with the payments. When you’re also paying for housing expenses, food, and clothing, those debts can quickly get way over your head. 

(And we have all been there so we say this with no judgement!)

Learn more about Loans/Line of Credit Debt

What our clients are saying.

Based on 751 reviews
I made a review in 2017 i will again make a review now 2022. Thank you Jackie for everything that you do for me. Forever thankful. I have paid everything already. On one spring day back in 2017 i was in a lot of stress, dealing with phone calls from the bank. A friend of mine told me to go to David Sklar’s office (its close to my apartment) as she is also paying hers( in another firm). So i did and i was glad i did. Thank you and God speed!
22:49 08/13/22
(From K.M)After a great deal of thought, that actually went on far too long and only created more hardship, I finally called David Sklar and Associates. They immediately set up a mutual time for an in person appointment. I had the greatest fortune to meet with Jerry Janiec!From the moment I met Jerry, I felt at ease and the weight I had been bearing began to lift.Jerry is very personable with a happy, kind, patient and gentle nature. He is very knowledgeable and extremely thorough in all of the information and options that were presented. Jerry was very supportive in the option I chose.I read other reviews on David Sklar and Associates and I whole heartedly agree. If you are struggling and it seems never ending, make the call to these people. I should have much, much sooner.Thank you so very much Jerry Janiec. You truly are a blessing.Sincerely, Karen M.
16:08 08/08/22
Great job. Bibi , marvel and many associated help us to serve the problem . Appreciate to your team David sklar .
15:26 08/05/22
Cori was kind and helpful, anyone interested in learning more about debt options would be fortunate to hear her insights and experience on the subject
13:55 07/26/22
Cori has been a great help in relieving stress caused by debt in my life, she has excellent knowledge in her line of work. Cori has a lot of patience and takes her time with her clients to make sure they understand. It has been a great pleasure working with Cori.
18:15 07/20/22
The service excellence I received was amazing. The staff at friendly and considerate and show empathy when dealing with such a difficult choice.
19:52 07/19/22
Caner uzun.. this place is full of professional lawyers all my debt problems are gone all I had to do is make an appointment go see them boom its that easy thank you all for your help
17:19 07/18/22
My mother introduced me to the company and I signed up and I spoke to Christine Sylver ... Let me tell you .... Christine Sylver is the best licensed debt counselor ever. She helped me from when we starting talking up until now and she's a great individual. I would recommend her and this company to anybody. I can't wait to have me debt cleared and start my life again.
20:21 07/06/22
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Getting into debt is easy. Getting out is a different story.

But it's still possible!

Did you know there is a Debt Program federally regulated by the Canadian Government, designed to help citizens avoid claiming bankruptcy? This amazing program can only be administered by a Licensed Insolvency Trustee (LIT).

If you’re struggling to make your payments every month and creditors won’t stop calling, we can help.

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Book your free consultation.

Call 1-844-962-9200 or fill out the form below.

We know this is stressful, but you’re not alone. It’s going to be okay. 
Book your free consultation today. We’ll do the rest.

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