How to File a Consumer Proposal

You simply book a meeting with us and we do the rest!

How do I file a consumer proposal?

Filing a consumer proposal doesn’t require much effort on your part! You simply book a meeting with us and we do the rest! We look at your situation, file the paperwork, negotiate a settlement, and manage all of the details. After things have been processed, you simply show up for your credit counselling appointments and make your monthly payments.

What to expect from our supportive staff

Our business is built on exceptional customer service, we want you to know that we are focused on solving our customer’s debt problems and we will do everything in our power to insure we exceed your expectations.

We are here for you when you’re ready to live your best life debt free!

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The steps of filing a Consumer Proposal

1. Meet with our Licensed Insolvency Trustees

Your Licensed Insolvency Trustee (LIT) will discuss your current financial situation and review your financial documents.

2. Create a draft of the proposal

We work with you to create a proposal that includes repayment terms you are able to manage, and that are mutually beneficial to you and your creditors.

3. Prepare the official documents

Once your trustee has reviewed your finances and determined what you can afford to repay, they will prepare all the necessary documents. These documents will outline how much debt you are able to repay, what your monthly payments will be and how long you will take to pay it back.

4. File your consumer proposal

Your consumer proposal will be submitted by your LIT for review. Once your proposal is submitted creditor protection takes effect. This means all wage garnishments, lawsuits, and collection calls are stopped immediately.

5. Creditors review, vote & approve

Your creditors are notified about the submitted consumer proposal and have 45 days to respond. They may request meetings to vote on the proposal.

The Consumer Proposals filed by David Sklar & Associates have very close to a 100% success rate.

6. Fulfill the terms of your proposal

Your one low monthly payment will be made directly to David Sklar & Associates. We will then disperse those funds to your creditors on your behalf for the length of the agreed-upon terms.

7. Rebuild your credit score

Start the process of rebuilding your credit. This can begin even while you are fulfilling the terms of your proposal. Learn how using a secured credit card can start improving your credit score.

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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.

What our clients are saying.

Based on 751 reviews

Sharon Dizo

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

Misconduct Charlie

(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

reza mansourabadi

Great job. Bibi , marvel and many associated help us to serve the problem . Appreciate to your team David sklar .

15:26 08/05/22

Trev Miller

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

Antonia Flor De Andrade

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

Aileen M

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

you're in My Office

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

Jehoshaphat McLeod

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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We are David Sklar

Our team of Licensed Insolvency Trustees in Ontario can help you get out of debt and in control of your own financial future. We’ve helped thousands of people and we can help you too.

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.