Little Joe: Family First, Consumer Proposal in Pickering

Pickering Consumer Proposal – ‘Little Joe’

Ten years after Dominic and Emily (not their real names) were married and moved to Pickering, their son Joseph was born. ‘Little Joe’ was the joy of his parents lives. Unfortunately, as he grew, it became clear that something was wrong.

Eventually, Joe was diagnosed as severely autistic. His doctors believed that he would require ongoing care and supervision for the rest of his life.

Emily gladly dedicated herself to providing the full-time care that was needed. Both her and Dominic believed it was the best thing for ‘Little Joe’ and their family. However, it meant that she was not able to bring in the second income that her and Dominic had come to rely on.

When Joe was old enough to start school, Emily thought she might be able to work outside the home again. Unfortunately, the school was not always able to manage Joe – and Emily found herself having to pick him up several times throughout the week, making even a part-time job an impossibility.

Although they received some financial assistance from the provincial government for the care of their son, Dominic and Emily found themselves slipping further and further into financial difficulty.

Finally, they were unable to pay all their debts and began to receive collection calls.

On the advice of a friend, they sought the help of David Sklar & Associates.

During their first meeting with Trina Powell, Estate Administrator they reviewed their financial situation in detail.

Total income $45,000 / year (including government assistance)

Total Unsecured debt: $30,000 on 4 credit cards (one was in Emily’s name the rest in Dominic’s)

No assets in excess of Ontario bankruptcy exemption levels

Both Dominic and Emily wanted to pay their creditors back as much as possible. After talking it over with Trina and the Trustee, they decided to file consumer proposals. The Trustee took care of filing the proposals, which were accepted by their creditors.

Dominic and Emily’s proposals were for combined total monthly payments of $315 to run for 60 months. Once the proposals had been filed, all collection calls stopped, and they were able to go back to focusing on their son. As a condition of their proposals, both Dominic and Emily attended credit counselling sessions.

Although their proposal payments are not yet fully completed, the relief of not having to deal with collection calls, has helped to reduce the stress on this remarkable couple.

To protect our clients’ privacy, aspects of this case study have been altered

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I cannot emphasize enough how thankful I am for Jackie Stanley's help with filing for bankruptcy.All of us dread being put in this position and we have a million questions about the process but trust me Jackie makes it so easy for you that you don't have to do anything yourself!She is very kind and friendly and puts you at ease right away. She emphasizes with you and let's you know it's not your fault.Most importantly when you leave that first meeting you will not believe the load that is taken off your shoulders. You can actually feel it!You are a godsend Jackie and I can't thank you enough!!I hope you are highly valued there as much as you are by me!
Sue Murray
18:45 05 Dec 21
Putting together and executing a Consumer Proposal can be daunting, that is unless you work with Cori Naron at David Sklar & Associates Inc. Cori's advice and support has been instrumental over the past five years. Thank you Cori!!
Barry Kuntz
20:37 01 Dec 21
I’m very happy with the services I received for Jackie Stanley who helped me get my finances in order. It was a quick and easy process & all of my questions were answered.
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01:18 19 Nov 21
I have had the privilege of being supported by Jackie at David Sklar Associate. She was very helpful, very professional and very friendly. She gave me the help I need. Thank you Jackie for your help.
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Got my probe solved, great service
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Jackie at Daivid Sklar and Associates is such a pleasure to work with. She explained everything in great detail and is always there when I have a question or concern. She really cares about her clients.
Steve Medica
09:33 10 Nov 21
I filed a proposal with another group, which came in as a referral from one of my brokers. My experience went from ok to bad to worse, due to lack of communication and education on the process I was to embark on. I worked with Cori Naron in the past, and I came to her now for help on literally doing the work that the other group should have done. Cori stepped in, educated me, advised on rights, responsibilities, how the process works and what potential outcomes may happen. I do not have enough words of recognition and gratitude for what she did - she alleviated stress, anxiety, dead-end thoughts and she made me live again. Congrats to DSklar for hiring her and retaining such talent.
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18:45 25 Oct 21
Very professional service. Before contacting David Sklar & Associates i contacted bunch of other firms they seemed fishy. After I spoke with Jason Sklar at Hamilton Office I discovered professionalism with hope. I was explained every step of my situation with solution professionally. Thank you David Sklar & Associates.
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I met David a few months ago and i am glad I did. He has helped me all the way through my bankruptcy with good advice and explained every step of the process. David is a very down to earth and very professional. Anytime I've had a question I was able to reach out to David by phone or email and he always got back to me. If your struggling with your bills and need a way to get help, I strongly recommend David Sklar &Associates to help you. My experience with them on 1-5scale would be a 5;; My life is so much better now, thanks to David Sklar.
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16:13 08 Oct 21
I have had the privilege of being supported by Jackie S, at David Sklar n Associate.She was helpful, professional and friendly. I was able to get the help I needed at a difficult time in my life. I would recommend anyone who needs support with working out their debts to ask for Jackie, she will be waiting to assist however she can to help you through your debts. She works with a team who is always ready and responsive.Thank you Jackie and your team:)
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