Collection calls

Collection calls can be very troubling for many

Collection calls can be very troubling for many that are having issues paying their debts. Once you file for bankruptcy or file a consumer proposal, the collection calls will stop!

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5.0
Based on 676 reviews
Daniel Domingues
22:19 23 Jan 21
Ashley Carter was very nice to me and professional and she helped me with my issue and she answer my questions in email. She helped me a lot and she gave me less stress.
1 blaze
18:36 21 Jan 21
Jackie Stanley take you step by step in explaining the process professionally, replying on our every question over the telephone or e-mail. We are very satisfied and grateful for her work and effort.
Tree Broker
14:33 20 Jan 21
Jackie and the team at David Sklar and Associates took my very stressful situation and made me feel at ease. I was treated with respect and understanding from the start of my process right through to the end. Prompt email and phone responses made it feel like I was at the top of their priority list.Jackie and the team at David Sklar are the best in the business. I would highly recommend using their services.
Jeremy Y
14:04 20 Jan 21
Has helped me put to gather all my financial debt and find a reasonable offer and deal in making payments towards all my debts as one. Has been patient and kind service one on one. A big thanks to Jackie for helping guide me through my process!
WhoisDriaB
02:09 20 Jan 21
Jackie is an amazing person, she takes her time to make sure you understand everything. Every question I had she was always a email or text away with a quick response. Thank you again
danny adlabi
20:11 19 Jan 21
Jackie Stanley was amazing she was kind and wonderful to work with i am so grateful for her help she set down went over all my questions and my situation and i got all the help i need it
mer irf
19:59 19 Jan 21
Jackie made me feel very comfortable from the minute I walked in. She treated me with humanity and respect. She is also very professional and knowledgeable; she explained very clearly what was involved. Thank you Jackie for giving me the chance to start anew.
Dorianne White
15:06 19 Jan 21
We were so tired of our debt holding us back. We reached out to Jackie at David Sklar and she was so great from day one! She was quick understanding caring! Our experience was excellent! Everything was smooth and easy. What a relief it was with Jackie at David Sklar!Thank You so much 😊
F Volpe
05:07 11 Jan 21
Best thing I ever did! Don't let the messaging out there convince you being unable to manage your debt is shameful and a failing. Cori is amazing! She knows what she's talking about and she will guide through all your options. Everyone I've dealt with at David Sklar has been respectful and friendly. This was life changing help for me.
Maria G.
19:07 03 Jan 21
Cori, she’s very helpful and patient. She treated me with respect. She took so much time to explain to me what’s the best way to resolve my financial problem and teach me how i can save to avoid thesame problem again. Cori thank you so much.
Nilda H.
23:34 21 Dec 20
I highly recommend David Sklar & Associates, especially Rhoda Lewis, she listened with patience, understood my whole situation, advised professionally, she has many years of experience and is very knowledgeable, I felt confident with her work, she handled my case and guided me every step of the way, she reviewed with me in detail, and is very caring. I really trust David Sklar’s team, they really work and help people in a very simple and professional way. I am so grateful for Rhoda’s work helping me through this situation. Now it is like I received a 2nd chance to live free, I can take control and now take care of other things that matter in my life. Thanks for taking away the stress & weight I was carrying on my shoulders. I can now sleep at night. God Bless you for all your work. Thank you.
J H
21:14 12 Dec 20
The staff at David Sklar are professional, respectful and honest right from my first phone call. It made a really embarrassing and difficult situation easier to handle. Now I'm on the way to rebuilding my life for my family.Thank you to the team and especially Ashley from the Brampton location.
Omair pasha
17:32 11 Dec 20
Ashley Carter was great and helpful. Answered every and each questions in detail and politely. Thanks
L. M.
15:29 10 Dec 20
I'm am very pleased that I contacted David Sklar & Assoc. I dealt with Rhoda Lewis, she was very professional and understood my need for their services. Rhoda set up a repayment plan, that was very easy to follow and made everyone satisfied.Going to David Sklar & Assoc. Was the best choice, to make for rebuilding my credit. I recommend David Sklar & Assoc. to anyone who needs help with debt relief.
evangia cawley
17:51 09 Dec 20
From consult to resolution the service was highly professional. I felt heard and understood. There was no judgement. Jackie always responded to my questions in a timely manner. Most of all, Jackie went all out to see that I got the best care and advise she could find.
Jackie
16:20 09 Dec 20
So grateful to the whole team at Sklar for the opportunity to start fresh after a very difficult time of job loss. They went the extra mile for me and have been stellar! J
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How to stop collection calls in Ontario

If you choose to file for bankruptcy or a consumer proposal your creditors will be notified, within 5 days by your Trustee. This is typically done via mail, email or fax.

Once you file for bankruptcy or proposal, collection agencies & creditors will not be able to continue or start any collection action.  All communications will be dealt with through your bankruptcy or proposal. All creditors will be required to follow the appropriate steps.

If you have filed for bankruptcy or a proposal and you are still receiving collection calls, simply let them know that you have filed, and that notice has been sent to them by your Licensed Insolvency Trustee. You can also opt to let your Licensed Insolvency trustee know so they can make sure the notice has been sent.

THE RULES DEBT COLLECTORS IN ONTARIO HAVE TO FOLLOW:

There are very strict rules about what debt collectors in Ontario are allowed to do, but if you’ve ever had bills or debts go-to collection, you know that not all debt collectors play fair.

  • They must send written notice by regular mail before contacting you, including the amount of money you owe
  • They may not contact you more than 3 times in a 7-day period
  • They must follow strict time constraints for contacting you, such as no contact between 9 p.m. and 7 a.m., or on Sunday except between 1 p.m. and 5 p.m.
  • They may not threaten or intimidate you, use profane language, or harass you
  • Debt collectors enter the picture when you’re overdue paying a debt.

Collectors are either hired to collect a debt on behalf of a company or business that hired them, or they may buy the debt outright and collect on their own behalf. Before a company or business assigns or sells a debt to a collection agency, they will usually have tried to collect themselves. For example, a dentist may try to collect their outstanding fees but after three months, they may seek the assistance of a collection agency. Even when the collectors follow the rules, the letters and calls are stressful and disruptive to you, your family, and your employer.

How we helped Paul with debt collectors

In one case, recently handled at David Sklar & Associates, debt collectors nearly jeopardized our client’s attempts to get back on track. In this case, Paul (not his real name) was earning $85,000 as a computer hardware engineer and supporting his wife and three children in Toronto when the company closed down.

 

Highly specialized and in an industry with a surplus of similarly-qualified professionals, it took Paul two years to find a new job, during which time the family borrowed heavily, even while Paul’s wife Nancy worked a part-time job. When Paul finally did get back to work, his credit card bills had gone into collection – and they started calling the office.

 

The calls were so frequent (the family had maxed out 6 different credit cards) that Paul worried they would affect his job performance and cost him his new job – until he filed for a consumer proposal.

If you find yourself in a similar situation, you can get relief by calling David Sklar & Associates. As soon as you file for a consumer proposal, collectors must stop contacting you. Long before a final agreement to settle your debts is made, you can get relief from collectors. Debt collectors can cause a lot of stress, but we can provide fast relief.

It’s not just relief from debt collectors that a consumer proposal offers. It will also put a stop to legal action against you such as a frozen bank account or wage garnishment.

If you’re having a difficult time dealing with collection agencies, contact our office today for a free initial consultation and see what your options are. Make the best financial decision for yourself and get out of debt.