Canadian Debt Relief Program

A consumer proposal can save you thousands of dollars

Did you know there are Canadian debt relief programs that can help?

Believe it or not, you can get out of debt in Canada without declaring personal bankruptcy or resorting to costly debt consolidation loans. There is a Canadian Debt Relief program, called a consumer proposal and it can reduce your debt by up to 80%.

You deserve a fresh start.

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Imagine your life with no debt

David Sklar & Associates will never charge a debt advice fee or other upfront costs.

Cost should never be a roadblock to someone receiving the assistance they truly require. Our goal is to act as your advocate, focusing on your needs and finding the most effective debt relief option for you.

Our process is
federally
regulated

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Licensed Insolvency Trustees are Trusted by the Canadian government to provide debt relief

Licensed Insolvency Trustees are federally regulated by the (OSB) and must adhere to federal standards of practice, including the Code of Ethics for Trustees.  It doesn’t cost you anything to meet with us to learn about the different debt options available to you. When you choose to work with David Sklar & Associates, we will hold your hand throughout the process, filing all the necessary paperwork and giving the tools you need to rebuild your financial future. 

A Consumer Proposal is one of the most effective Canadian debt relief options

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.

Canadian Debt Relief

4 of the most common Canadian debt relief options

Consumer Proposal
debt calculator

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.

$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.

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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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!

Find an office near you

Friendly, professional, local debt relief services in Ontario
or call 1-844-962-9200

What our clients are saying

Based on 830 reviews
Luc Valade
Very processional and understanding of my situation. Thanks to all your team.
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Thomas
Jennifer Norton's exceptional assistance with my consumer proposal was life-changing. Her professionalism, expertise, and dedication were evident from the start. Jennifer's thorough explanations and attention to detail created a tailored proposal that set a clear path to financial freedom. She went above and beyond, advocating for my best interests and providing invaluable support. Thanks to Jennifer, I'm on track to a stress-free financial future. I wholeheartedly recommend her – she's not just a financial expert; she's a life-changer. Thank you, Jennifer!
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Ray Barkley
They made a difficult situation, easy thank you.
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fukinwith doug
I had a great experience with Christine from David Sklar & associates. Very professional, and easy to get through. Thank you
1694804075
Adrian Downey
Great customer service and a smooth process to get your finances on track. Informative and thorough.
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P Bains
From the moment I sat down in the office, I felt welcome and at ease. Grace Cuffaro was both friendly and highly informative. She is extremely knowledgeable and answered all of my questions in detail, making sure I understood before moving on. I was reassured throughout the process that I was making the right decision and that it was not uncommon nor anything to be ashamed of. I didn't expect my appointments to be such positive experiences, but that's exactly what they've been!
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A.L Thompson-Lawrence
I was in a tough financial position and found myself searching for relief. I came across David Sklar & Associates page when doing my research on financial advice. The reviews were amazing, but I was concern because I didn’t know what to expect. I made the decision to set up a consultation and had the pleasure to meet with Jennifer Norton. Right from the beginning, she was attentive, knowledgeable, and pleasant to meet with. The experience was painless and very educational. Jennifer made sure I understood my choices, answered my questions, and concerns promptly, in person, over the phone and via email. I’ve been working with Jennifer for a couple months now and I am pleased that Jennifer is the manager handling my file. I would and have recommend Jennifer Norton, David Sklar & Associates to anyone in need of direction regarding finances.
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Tamas Wint
I had my first meeting with Jennifer, she was really understanding and extremely helpful, and got everything done in a timely manner.
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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 Canadian debt relief 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.

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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.

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Book your free consultation.

Call 1-844-962-9200 or fill out the form below. We’ll do the rest.

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