Our Team

You are in a judgment-free zone with us!
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Our team is here to help.

We work in an intimidating industry and understand that you’re probably feeling scared about your situation. Our team is here to alleviate your financial stress. 

Our team shares a common passion and drive to not only erase your debt, but to give you the proper tools and techniques to help you build wealth. It’s important that you know what options and solutions are available to you. Come in for free consultation. Meet with us. Ask us your questions. We can help.

We are a
family
business

Our team is not here to judge you we are here to listen and help

Our business is built on exceptional customer service, we want you to know that we are focused on solving your debt problems and we will do everything in our power to ensure we exceed your expectations.

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

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Meet Our Licensed Insolvency Trustees

Rest assured your financial future is in good hands

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David Sklar
CA, CPA, CIRP, LIT

Licensed Insolvency Trustee

In 1997, David formed David Sklar & Associates Inc. a caring, professional firm that provides solutions for people dealing with financial stress through a wide range of services. Over the years, David Sklar & Associates has grown to multiple offices throughout Ontario and is one of the largest filers of Consumer Proposals and Bankruptcies in Ontario.

David is currently a member of the Canadian Institute of Chartered Accountants and the Institute of Chartered Accountants of Ontario. He is also a licensed credit counsellor, has earned the CIRP designation (Chartered Insolvency and Restructuring Professional), and is a general member of the Ontario Association of Restructuring Profession

Linda Stern, LIT, CIRP

Linda Stern
CIRP, LIT

Licensed Insolvency Trustee

Linda is a dedicated and compassionate Licensed Insolvency Trustee and Chartered Insolvency and Restructuring Professional with over 25 years of experience in consumer and corporate insolvency having started her career in Quebec.  Her focus at David Sklar & Associates is helping individuals and businesses overwhelmed with debt.  Being empathetic and understanding of each person’s situation has been an asset for Linda and her clients.

mark morgan licensed insolvency trustee

Mark Morgan
CA, CPA, CIRP, LIT

Licensed Insolvency Trustee

In 2006, Mark – a successful Chartered Professional Accountant, earned his Chartered Insolvency and Restructuring Professional designation. Active in Insolvencies since 2001, he uses his knowledge, experience and empathy to help people and businesses find the right solutions to their financial problems. Mark delights in helping clients, “realize that they can and will rid themselves of the financial chaos that has held them down for so long”. He encourages his clients to learn from past mistakes and then use that knowledge to build a better tomorrow.

olga chtcherbakova licensed insolvency trustee

Olga Chtcherbakova
CIRP, LIT

Licensed Insolvency Trustee

Olga is a Licensed Insolvency Trustee, Chartered Insolvency and Restructuring Professional (CIRP), with over sixteen years of experience in personal and commercial debt restructurings, bankruptcies, Consumer Proposals, and receivership engagements. Olga always brings a friendly caring and understanding approach to helping her clients.  Her creativity and knowledge of the industry are what make her so effective when finding the right debt solution. Olga strives to put people at ease by eliminating their debt so they can move on to a positive financial future.

david sklar richard sklar licensed insolvency trustee

Richard Sklar
CIRP, LIT

Licensed Insolvency Trustee

As a Chartered Insolvency Restructuring Professional and Licensed Insolvency Trustee, with years of experience and a proven ability to help his clients get the fresh financial start they need, Richard has taken on the additional task of helping those Toronto Area residents who are in need of debt management support, find their solutions at David Sklar & Associates. Richard knows that debt resolution is not the end – it is a new beginning – a fresh start for a brighter financial life.

Meet Our Insolvency Advisors

Our team can help you get out of debt and in control of your own financial future. 

Beatriz Cabrera

Beatriz Cabrera

Certified Insolvency Counsellor

Beatriz Cabrera is a compassionate and dedicated Certified Insolvency Counsellor, with extensive experience in helping individuals overcome financial stress. Fluent in English, Spanish, and French, Beatriz provides a caring and non-judgmental approach to finding the best solutions, drawing from her multilingual abilities to cater to a diverse clientele. Her mission is to guide clients towards financial freedom by offering tailored strategies, including negotiation with creditors, repayment plans, and debt consolidation options. Beatriz’s passion lies in empowering individuals with the knowledge and tools to prevent future financial distress, ensuring a brighter and debt-free future for her clients.

Chen Siga

Chen Siga

Insolvency Advisor

Chen Siga, an Insolvency Advisor at David Sklar & Associates, is driven by a passion for financial empowerment. With over 3 years of experience, Chen crafts personalized debt relief strategies tailored to each client. Starting with a belief in financial literacy, Chen has expertise in debt consolidation, negotiation, and restructuring. Committed to delivering compassionate solutions, Chen helps individuals overcome financial obstacles with integrity and empathy, guiding them toward a brighter future.

chistine sylver licensed debt counsellor david sklar

Christine Sylver

Certified Insolvency Counsellor

As a Certified Insolvency Counsellor and a Certified Insolvency Administrator, with over 25 years of experience in the Insolvency Industry, Christine provides debt relief solutions to clients with compassion and understanding, in order to find the best solutions to start fresh on a new financial path. Together, Christine will work with clients in obtaining financial recovery, to live a stress-free financial lifestyle, in order to focus more on life and what it has to offer each individual.

cori naron licensed debt counsellor david sklar

Cori Naron

Certified Insolvency Counsellor

As a Certified Insolvency Counsellor, an Immigrant to Canada, and someone who has successfully built her own life on her own terms. Cori applies her knowledge, natural empathy, and strong listening skills to the benefit of her clients. Active in a number of community organizations, she believes in people and treats everyone with dignity and respect. Cori shows her clients that getting their finances in order is the first step towards a better life.

Grace Cuffaro

Grace Cuffaro

Certified Insolvency Counsellor

Grace Cuffaro is a compassionate and experienced Certified Insolvency Counsellor, dedicated to helping individuals overcome financial stress. With over 15 years of expertise, Grace understands the challenges faced by those in debt. She provides tailored solutions, negotiates with creditors, creates manageable repayment plans, and explores debt consolidation options. Grace also offers financial education and long-term planning advice, empowering clients to secure their financial future. Passionate about helping people achieve a debt-free life, Grace is ready to assist anyone in need.

jackie stanley licensed debt counsellor david sklar

Jackie Stanley

Certified Insolvency Counsellor

With over 20 years in the financial industry, Jackie provides not only knowledge and experience, she has a sincere concern for her clients. Clear and straight-forward, she is able to offer her clients real solutions that will enable them to build a brighter financial future for themselves and their families. According to Jackie, “There is no better satisfaction than knowing you have helped another person realize their goals”.

jason sklar licensed debt counsellor

Jason Sklar

Certified Insolvency Counsellor
Manager — Team Lead

Jason offers his clients the power of his knowledge, his years of experience and his genuine concern for his clients and the life challenges they are facing. He helps his clients feel hopeful again, teaches them how to manage their finances, and provides them with the tools that enable them to move on with confidence.

Jennifer Norton

Jennifer Norton

Insolvency Advisor

Jennifer Norton is a compassionate and dedicated debt solution professional with extensive experience in helping individuals overcome financial stress. With a deep understanding of the challenges faced by those in debt, Jennifer provides a caring and non-judgmental approach to finding the best solutions. Her mission is to guide clients towards financial freedom by offering tailored strategies, including negotiation with creditors, repayment plans, and debt consolidation options. Jennifer’s passion lies in empowering individuals with the knowledge and tools to prevent future financial distress, ensuring a brighter and debt-free future for her clients.

jerry janiec licensed debt counsellor david sklar

Jerry Janiec

Certified Insolvency Counsellor

With over 20 years of experience in the Insolvency Industry Jerry has the expertise to provide individually tailored debt relief solutions to clients from all walks of life. In addition to English, Jerry is fluent in Polish and has been helping clients in the Polish community all over Ontario understand their options when facing financial stress. Living with financial stress can impact both your professional and personal life. According to Jerry, “It’s so important that I get to know all of my clients on a personal level. My reward is knowing that I’ve helped rebuild my client’s financial future.”

Kim Aglipa

Certified Insolvency Counsellor

Kim Aglipa is a compassionate and caring member of the David Sklar & Associates family. With a warm and friendly demeanor, Kim creates a safe and non-judgmental environment for customers struggling with debt. Kim listens attentively to their concerns, understanding the emotional toll debt can take on individuals and families. Through genuine empathy and honest guidance, Kim helps customers navigate their debt problems, exploring various solutions and providing the support needed to overcome financial challenges.

rhoda lewis licensed debt counsellor david sklar

Rhoda Lewis

Certified Insolvency Counsellor

Rhoda joined David Sklar & Associates in 1999 and quickly discovered her passion for helping people learn to deal with financial stress. Rhoda uses her strong inter-personal and financial skills to help her clients find solutions to their financial stress. Rhoda’s clients are relieved to know that they can once again be responsible for their own financial stability and they are eager to move forward.

Samycha Millerfrancis

Samycha Millerfrancis

Certified Insolvency Counsellor

Samycha is a seasoned debt counselor with nearly 20 years of experience in the finance industry. Her mission is to assist Canadians in attaining a fresh start, liberating themselves from debt, and retaining more of their hard-earned income. Recognizing that financial challenges can detrimentally affect various aspects of an individual’s life, she excels in establishing connections with people, enhancing their understanding and capabilities, and providing a comprehensive view of their financial situation. Through her guidance, hundreds of Canadians have successfully navigated their journey to debt freedom, gaining peace of mind and renewed hope for the future.

Shirley Sklar

Certified Insolvency Counsellor
Senior Manager

With years of experience as a Certified Insolvency Counsellor, and life experiences that have made her empathetic to people experiencing debt problems – Shirley helps her clients understand that everyone makes mistakes – but the secret to success is to learn from our mistakes and move on. Shirley helps people to help themselves – to take responsibility for their life choices and to know that with the right attitude and good work ethic – anything is possible.

trina powell licensed debt counsellor david sklar

Trina Powell

Certified Insolvency Counsellor

Trina, a Certified Insolvency Counsellor, with years of experience, provides her clients with knowledgeable support and honest opinions. She has an exceptional understanding of family dynamics, and helps people from all backgrounds – to get out of debt and learn the skills to build a brighter financial future. Fluent in French and English, Trina’s passion is to help people dealing with financial challenges – find peace of mind.

Meet Our Customer Care Team

Our team can help you get out of debt and in control of your own financial future. 

Armi Racho

Armi Racho

Customer Care Specialist

Armi Racho is a dedicated and supportive member of our Customer Care Team, bringing a profound understanding of the challenges associated with debt. Armi provides unwavering support to customers in need, prioritizing active listening to their concerns and tirelessly working to find tailored solutions that best fit their circumstances. Through an honest approach and transparent communication, Armi ensures that customers are well-informed about their options, fostering a sense of trust and confidence. Her caring nature shines through as she guides and encourages customers every step of the way, offering reassurance and support throughout their journey toward achieving debt relief.

Brigette Capacia

Brigette Capacia

Customer Care Specialist

Brigette Capacia is one of the friendly voices on our Customer Care Team. She strives to make the initial steps of the client’s journey as smooth and informative as possible, offering a compassionate ear while conducting the initial assessments. With her dedication to client-centered service, Brigette ensures that every individual or business seeking financial assistance receives the care they need during tough times.

Cecilia Plunkett

Cecilia Plunkett

Customer Care Specialist

Cecilia Plunkett is a compassionate and experienced member of our Customer Care Team, dedicated to helping individuals find solutions to their debt challenges. With her extensive knowledge in debt management and financial planning, Cecilia offers invaluable guidance to customers seeking relief. She is known for her patient and understanding approach, ensuring that each customer feels heard and supported. Cecilia works tirelessly to explore all available options and provides honest advice tailored to each customer’s specific needs. With her caring nature and expertise, Cecilia empowers individuals to take control of their financial well-being and pave the way towards a debt-free future.

Hernee Templonuevo

Hernee Templonuevo

Customer Care Specialist

Hernee Templonuevo is a dedicated and supportive member of our Customer Care Team. Hernee understands that each individual’s debt situation is unique, and she approaches every customer with patience and understanding. She takes the time to carefully analyze their financial circumstances and offers personalized solutions. With a friendly and approachable attitude, Hernee helps customers regain control over their debt by providing clear and honest advice, helping them build a path towards financial stability.

Jo Saulnier

Jo Saulnier

Customer Care Specialist

Jo Saulnier is a supportive and empathetic member of our Customer Care Team, committed to helping individuals overcome their debt burdens. Jo recognizes the emotional toll that debt can have on people’s lives, and she provides a compassionate ear and a shoulder to lean on. With a friendly and approachable demeanor, Jo establishes a connection of trust with customers, ensuring they feel comfortable sharing their concerns. She offers caring guidance, taking the time to explain the available options and helping customers make informed decisions. Jo’s unwavering support and dedication empower individuals to navigate their debt challenges with confidence and hope.

Monica Roberts

Monica Roberts

Customer Care Specialist

Monica Roberts is a genuine and friendly advocate on our Customer Care Team. With a deep understanding of the challenges associated with debt, Monica provides unwavering support to customers in need. She actively listens to their concerns and works tirelessly to find suitable solutions. Her honest approach and transparent communication ensure that customers are well-informed about their options. Monica’s caring nature shines through as she guides and encourages customers every step of the way towards achieving debt relief.

Patricia Ramdhanie

Patricia Ramdhanie

Customer Care Specialist

Patricia Ramdhanie is a caring and dedicated member of our Customer Care Team, determined to assist individuals struggling with debt in finding effective solutions. Patricia understands the complexities of debt and the stress it can bring to people’s lives. With her attentive and patient approach, she actively listens to customers, providing a supportive space for them to express their worries and fears. Patricia offers practical strategies and personalized advice to help customers regain control of their finances. Her honest and transparent communication style ensures that customers feel empowered and informed throughout their debt resolution journey. Patricia’s unwavering commitment to customer well-being makes her an invaluable asset to our team.

Sarah Phalen

Sarah Phalen

Customer Care Specialist

Sarah Phalen is an honest and caring cornerstone of our Customer Care Team. Committed to empowering individuals grappling with financial burdens, she dedicates herself to equipping them with the knowledge and tools needed to navigate their options wisely. Sarah’s profound expertise in debt management equips her to provide invaluable guidance and realistic solutions, tailored to the specific needs of each customer. Through her transparent and open communication, Sarah cultivates a sense of trust, ensuring that customers feel fully supported and empowered as they navigate the journey to financial stability.

Serena Sklar

Customer Care Specialist

Serena Sklar is a dedicated and compassionate member of our Customer Care Team, committed to helping individuals struggling with debt. With a genuine desire to make a positive difference, Serena approaches each customer with empathy and understanding. She takes the time to listen attentively, ensuring she fully comprehends their unique financial situations and concerns. Serena offers caring support by providing tailored solutions and guiding customers towards effective debt management strategies. Her friendly demeanor and honest advice create a nurturing environment, empowering customers to overcome their debt challenges with confidence and regain financial stability.

Stephanie Siwazalian

Stephanie Siwazalian

Customer Care Specialist

Stephanie Siwazalian is an honest and caring member of our Customer Care Team. She believes in empowering individuals facing debt struggles by providing them with the necessary knowledge and tools to make informed decisions. Stephanie’s expertise in debt management enables her to offer valuable guidance and realistic solutions. She builds trust with customers through her open and transparent communication, ensuring they feel supported and empowered throughout the debt resolution process.

David Sklar & Associates

Whatever stage you are at, let me assure you, we can help.

There are many reasons people find themselves in financial difficulties. I’m sure you have tried your best to make your payments to your creditors, but perhaps it has just caught up with you. It can be a very stressful and overwhelming time. Maybe you’re at the stage where creditors are calling and harassing you; maybe you’re transferring money from creditor to creditor to cover the minimum payments, or maybe you’re anticipating that you will not be able to pay your creditors very shortly. Whatever stage you are at, let me assure you, we can help. 

My team shares the same passion and drive to not only erase your debt but give you the proper tools and techniques to help build wealth. It’s important that you know what options and solutions you have. Come in for free consultation, and meet with us. Let us show you that there is hope and a way to financial freedom! The calls will stop, the stress will disappear, and you can then focus on building your future!

“Treat people with respect and understanding and always go the extra mile to make a positive difference in someone’s life.”

David Sklar

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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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