Debt Free Canada

A consumer proposal can save you thousands of dollars

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

Believe it or not, you can get out of debt in Canada without declaring personal bankruptcy or resorting to costly debt consolidation loans. The government of Canada offers a little-known debt-relief program, called a consumer proposal. 

A consumer proposal can reduce your debt by up to 80% through a negotiated settlement with your creditors without interest or penalties. 

You deserve a fresh start.

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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.

Consumer Proposal Debt Calculator

A Consumer Propsal, can reduce what you owe BY UP TO 80%

$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.

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

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.

Advantages of a consumer proposal are:

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.

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Bankruptcy Vs Consumer Proposal

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

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.

Our clients say it best

We take pride in what we do and hearing how we’ve madea positive change in our customer’s lives is the greatest reward we can receive.

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

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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.

What our clients are saying.

Based on 762 reviews
I am so grateful to Jackie Stanley with David Sklar & Associates.She has listened and worked with me to come to a reasonable solution.Jackie has provided so much information, walking me through everything. I couldn’t ask for a more patient, kind and understanding person to help me.I look forward to working with her through my time with David Sklar & Associates.
16:26 09/26/22
I had a great experience. Christine and David made me feel well taken care of and at ease with the whole process!
17:03 09/23/22
Jackie Stanley is an extremely personable, friendly and professional representative with David Sklar & Associates. Her customer service skills are exemplary and her knowledge with regards to my situation and helping me with getting my life back on track was just amazing. She was very understanding of my issues, and took her time to make sure that I understood everything. At the end of my meeting with her I left feeling emotional but relieved to know now that my life can finally move forward. Jackie, you have been a great asset in my life and I will never forget your kindness. Mr. Sklar I would just like to say that you have a 5 Star representative in your associate Jackie Stanley.Respectfully, Bob
12:29 09/23/22
I was in so much stress and in a lot of debt Jackie Stanley was extremely and professional help to get out of my debt I recommend in reaching out to her you won't regretted. Thank you to Jackie and to the whole team David Sklar & Associates Inc.
02:22 09/23/22
Jackie, has been amazing in this very life altering time, she’s been prompt and exceptional at bringing understanding of the process, it’s been a great transition the whole crew is to thank.
00:59 09/23/22
It's my first experience with David sklar and I my say a big thanks to u guys for ur good work and I recommend David sklar to everyone and I can't forget a big thanks to Jackie Stanley am so happy
00:24 09/23/22
Christine was a great help, very personable and knowledgeable. She listens to you and puts you at ease with your situation. Very much appreciated assistance.
20:36 09/12/22
I had the opportunity to become a client of David Sklar & Associates. Christine Sylver had assisted in helping me understand and get through the process quick and efficiently. She was very sweet and very accommodating! She made me feel very comfortable to ask any questions and went above and beyond. I would 100% recommend this wonderful team.
22:19 09/09/22
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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.