Credit Card Settlement
You could reduce your credit card debt by up to 80%

Reduce your debt with a credit card settlement.
Finding your way out of credit card debt isn’t easy. If only it were as easy to get out of credit card debt as it is to get into it! If you’re looking to reduce your monthly payment with a credit card settlement we can help!
The truth is, many Canadians are carrying more credit card debt than they can handle and find it difficult to manage minimum payments on their credit card.
Our federally regulated, Licensed Insolvency Trustees (LIT) can help you negotiate a settlement with your creditors and substantially reduce your credit card debt.
How can we help with your credit card settlement?
By working with us, you can consolidate your credit card debt, eliminate interest charges, and reduce the amount you owe by up to 80%!
We do that by negotiating a settlement with your creditors that is legally binding, consolidating all of your debt into one manageable monthly payment without interest or penalty. It’s called a Consumer Proposal.
Once your creditors agree to the proposal, that agreement is now legally binding. Every creditor has to adhere to those proposal terms from that point forward.


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.
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.

Eliminate Credit Card Interest%
Once you file a consumer proposal with a licensed insolvency trustee, creditors will be ordered to stop calling you and
interest payments will stop.
If you’re overwhelmed with credit card debt and can’t find a way out of the minimum payment debt cycle, get in touch with us. We’ll help you to understand all of your debt relief options so you can make the right choice.
Advantages of a Consumer Proposal
- Federally regulated by the Canadian government to help citizens avoid claiming bankruptcy. Learn more.
- Collection calls will stop immediately.
- You will pay back less than you owe. Often 70-80% less.
- Monthly payments are based on what you can afford.
- Payments can be spread out over a 5 years.
- Payments are interest-free and without penalty.
- David Sklar’s federally regulated fees are calculated into your monthly payments so there are no additional fees to worry about.
Credit Card Settlement with a Consumer Proposal
We’ve helped thousands of Canadians reduce their debt with a Consumer Proposal.
Take a moment to learn about the benefits of consolidating your debt with a Consumer Proposal. Our team of Licensed Insolvency Trustees will help you every step of the way.
Advice on Credit Card Debt
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.
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.