Did you know there are Canadian government
debt programs designed
to help you?

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Contact us today for your FREE
no obligation consultation with one of our Licensed Trustees!

Reduce Your Debt By Up to 80% Without Filing For Bankruptcy.

Canada offers a little-known debt-relief program for residents, called a Consumer Proposal. A consumer proposal can substantially reduce your debt through a negotiated settlement with your creditors, without interest or penalty.

A Consumer Proposal must be filed through a Licensed Insolvency Trustee.

Consumer Proposal Canada

How To File A Consumer Proposal
In Ontario

In this video, a Licensed Insolvency Trustee explains to Mary and Paul that a consumer proposal might be the way to resolve their financial situation. The trustee tells them how a consumer proposal is different from bankruptcy and what they need to do.

You don’t need to pay anyone to access an LIT for a consumer proposal or a bankruptcy, and no one else needs to represent you.

David Sklar & Associates Inc.
5.0
Based on 740 reviews
Patty Murphy
21:34 18 May 22
Jerry is a very patient person, he answered all my questions and made this experience so smooth and easy for me. I was not sure what to expect but dealing with him made me feel so much better. He sure knows what he is doing and how to put people at ease for sure (should have done this long ago). I recommend him to anyone I am so glad I had him on my side and now to do my part. Thanks Jerry ur greatPattie
Debbie Livingston
01:24 11 May 22
Rhoda Lewis helped me achieve a fresh start two and half years ago! She was very professional with a very warm, caring personality! I emailed her today with a question and she responded quickly. She's great at her chosen profession!!
Cassandra Keenan
21:05 10 May 22
Nothing but good things to say about Jackie. She was so nice and so understand and everything was so quick and easy. In a matter of a week, there was the solution that I never thought was possible. Thank you so very much for everything that you have done. ❤️❤️❤️
Hubert Z
03:08 10 May 22
I was in a lot of debt and stress, Jackie Stanley with David Sklar & Associates was very professional, and extremely helpful with getting out of debt. I should of did this sooner, they take the all the weight and stress of a persons shoulders, amazing team at David Sklar & Associates!!
prettylush 13
02:42 10 May 22
Jackie helped me out during a really tough time and she made the entire process very easy and painless. I highly recommend reaching out to her if you find yourself in any financial trouble. You won’t be disappointed!
Kipyego arap Serem
19:00 09 May 22
I had a good experience with Jackie. Making appointment to see her was easy and follow up was great. I appreciated the detailed information she gave and the clear explanation of the options I had. While I landed on this company without anyone's recommendation, I will be happy to recommend their services to those who need them.
Ankita Sisodia
18:51 09 May 22
Jackie has been really helpful with my issues. She is approachable and friendly and I recommend her to anyone trying to access her services.
Christina Ivany
15:52 07 May 22
The service that was provided to me from Trina at David Sklar and Associates was nothing but superb! I was referred to them through family, and Trina was nothing but understanding and so so so helpful! Every part of the process was smooth and efficient and she explained everything to me so I would be able to understand the process. Can’t believe the weight that has been lifted off my shoulders. Thank you so so much Trina!
Linda Bennett
15:29 06 May 22
I’m so glad that I spoke to Rhoda. I was nervous having to claim bankruptcy, but Rhoda is very resourceful and has a wonderful way of putting you at ease. I felt like I was speaking to my best friend. Rhoda from the bottom of my heart thank you for your help and kindness it goes along way. Linda Bennett
Emma Higgins
19:14 02 May 22
I was absolutely terrified of admitting I needed help and was in a tough position where my best option was to file for bankruptcy. As someone with severe anxiety it was one of the hardest calls I had to make but once I spoke with Trina at David Sklar she immediately made me feel at ease and like I was in good hands. I mostly dealt with Trina and Eva who were so kind and communicative throughout the whole process and made it as painless as possible.I did briefly speak with a couple of other associates from time to time and they were also equally as lovely. The reviews for this company obviously say a lot about these guys and it rings true. I’m not someone who usually writes lengthy reviews but I am happy to recommend David Sklar and associates for anything. Thank you guys for always treating your clients like human beings and always being available for questions or concerns.
Jan Toone
00:43 28 Apr 22
I’m finally debt free! I made the right decision by contacting David Sklar to help me with my debts. Grateful to his Associates, especially Cori Naron, she’s very approachable, knowledgeable and kind. She indeed helped me succeed (with her advices and experiences) to pay off my balance before my due date 😇. Her office at St. Clair Ave. West is very accessible as well. I can now focus with my other goals - for I am a mother of Four….
Keeping It Real With Sandy and Ang
17:15 21 Apr 22
I highly recommend this firm. Christine has been such a help and was very professional but kind I was treated with respect at a time when I was vulnerable and overwhelmed and Christine in a very short time made me feel at ease I didn't feel judged or looked down on. This was a hard decision for me to make but I am so glad I took the leap to move ahead with a plan that is showing light at the end of the tunnel.. Again I highly recommend this firm as well as Christine.
Keeping It Real With Sandy and Ang
12:57 21 Apr 22
I highly recommend this firm. Christine has been such a help and was very professional but kind I was treated with respect at a time when I was vulnerable and overwhelmed and Christine in a very short time made me feel at ease I didn't feel judged or looked down on. This was a hard decision for me to make but I am so glad I took the leap to move ahead with a olan that is showing light at the end of the tunnel.. Again I highly recommend this firm as well as Christine.
Brandon Podilczyk
20:25 19 Apr 22
It's been good talking an working with gurvinder he helped me out a lot with my issue I was having an want to say thanks
Alex Vrzovski
16:14 11 Apr 22
David Sklar & Associates really helped me. Specially Jackie Stanley, and the whole team. It was a difficult decision to make, but I was so glad I made it. It was like a huge weight off my shoulders and felt like never ending payments to creditors that needed to stop. With the Team at David Sklar it helped me reset my life again and giving myself a chance at it. Thank you so much for all your help I really appreciate it.
Ricky Oliveira
16:04 11 Apr 22
I definitely recommend going to see Jackie Stanleyto anyone who needs help with their financial stability. Not only was she very knowledgeable in the field, but she was super supportive and always keep your interests as their number one priority. Thanks for all your help!!!
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Bankruptcy isn’t the only option!

Bankruptcy Vs Consumer Proposal

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

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 compassion.

Take a moment to learn the difference between a Consumer Proposal and a Bankruptcy and make a decision your future self will thank you for.

Book your free consultation today.

Play Video

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.

Client testimonials

We Are Proud Of Our Clients' Success Stories!

No one has more authority to talk about what we do than the clients we’ve already helped.

We take our reviews very seriously, we listen to our clients and make sure that we always provide the best service possible.

Serving Ontario in-person at one of our 21 locations or reach us online via video consultation.

Let’s talk about your debt relief options. Book a Free, no-obligation, consultation with us today and find out how you can Live Your Best Life™ DEBT FREE.