Book Your Free Debt Consultation in Ontario
Take the first step toward a fresh start
Let's discuss your debt relief options
Your free debt consultation is a chance to speak with a Licensed Insolvency Trustee in a confidential, pressure free setting. We will review your debts, assets, and income, then explain all of the debt relief options available to you.
There are no upfront fees and no obligation. You can meet with us in person, over the phone, or by video call, whichever works best for you.
Freedom from debt is right around the corner
What Happens During Your Free Debt Consultation?
Your consultation gives us time to understand the full picture, not just the amount you owe. We may ask about your creditors, monthly payments, household income, expenses, assets, and any collection pressure you may be facing.
From there, we can explain which debt relief options may apply to your situation, including a consumer proposal, bankruptcy, debt consolidation, or other possible solutions.
The goal is to help you leave with a clearer understanding of where you stand and what steps may be available to help you move forward.
How Long Does the Free Consultation Take?
Most free consultations take about 30 to 60 minutes. This gives us enough time to listen, answer your questions, and explain your options in a way that is easy to understand.
You do not need to have everything organized before your consultation. Bring what you have, and we can help you work through the important details together.
By the end, you should have a better sense of your options and what your next step could look like
Why Choose David Sklar & Associates?
When debt becomes stressful, it helps to speak with people who understand the process and know how to explain your options clearly.
David Sklar & Associates has helped people across Ontario deal with credit card debt, payday loans, tax debt, collection calls, and other financial challenges through legal debt solutions.
Your consultation is focused on giving you practical guidance, respectful support, and the information you need to make a confident decision.
Frequently Asked Questions About
Free Consultations
Is the David Sklar debt consultation really free?
Yes. David Sklar & Associates offers completely free, no-obligation consultations with Licensed Insolvency Trustees. There are no upfront fees, no hidden charges, and no commissions.
How long does a free debt consultation take?
A typical free consultation takes 30-60 minutes. We review your debts, income, expenses, and assets, then explain all your debt relief options including consumer proposals, bankruptcy, and alternatives.
What do I need to bring to my free consultation?
Bring recent pay stubs or proof of income, a list of all debts and creditors, recent bank statements, and information about major assets (home, vehicle, RRSPs). Don’t worry if you don’t have everything — we’ll guide you.
Can I have my free consultation by phone or video?
Yes. Choose what’s most convenient: in-person at one of our 21 Ontario offices, by phone (1-844-962-9200), or by video call. All consultation methods are equally effective and free.
Will my free consultation be confidential?
Yes. All consultations are completely confidential. Information you share is protected by Licensed Insolvency Trustee professional standards and is not shared with creditors or anyone else.
Does booking a free consultation commit me to filing a consumer proposal or bankruptcy?
No. The consultation is fact-finding only — you decide what to do next. Many clients leave the consultation with a clearer financial plan that doesn’t require formal insolvency proceedings.