How to File Personal Bankruptcy

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How to file for personal bankruptcy in Ontario, Canada

After you book your free consultation and determine that declaring personal bankruptcy is the best debt-relief option for you, we take care of the rest. We complete the necessary paperwork and show you how to file for personal bankruptcy with compassion and understanding. We will explain the entire process to you and set you on the right path to rebuild your finances.

What to expect from our supportive staff

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

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

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How to file for bankruptcy in Ontario, Canada

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1. Book a FREE consultation with a David Sklar

In Ontario, bankruptcy can only be filed through a Licensed Insolvency Trustee (LIT).

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2. Meet to review your debts, budget, and assets

Prior to filing, we will help you assess the value of your assets and let you know what you will be able to keep and what you would need to surrender.

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3. Consider bankruptcy costs

You may find it surprising that there are costs associated with claiming bankruptcy in Ontario. The cost is different for every individual, as it is determined by income, expenses, and assets.

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4. Review alternatives to bankruptcy

Based on your situation and debt, we can help you find the best options for debt relief. A consumer proposal may be a better solution for you!

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5. Fill out required forms

We will walk you through filling out and signing the necessary forms to successfully file for bankruptcy.

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6. Your bankruptcy forms are filed

Completed bankruptcy claim forms will be filed with the government by your Licensed Insolvency Trustee.

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7. Protection from creditors begins

Collection calls stop immediately, and you’re able to have a fresh start and rebuild your credit score.

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 751 reviews
I made a review in 2017 i will again make a review now 2022. Thank you Jackie for everything that you do for me. Forever thankful. I have paid everything already. On one spring day back in 2017 i was in a lot of stress, dealing with phone calls from the bank. A friend of mine told me to go to David Sklar’s office (its close to my apartment) as she is also paying hers( in another firm). So i did and i was glad i did. Thank you and God speed!
22:49 08/13/22
(From K.M)After a great deal of thought, that actually went on far too long and only created more hardship, I finally called David Sklar and Associates. They immediately set up a mutual time for an in person appointment. I had the greatest fortune to meet with Jerry Janiec!From the moment I met Jerry, I felt at ease and the weight I had been bearing began to lift.Jerry is very personable with a happy, kind, patient and gentle nature. He is very knowledgeable and extremely thorough in all of the information and options that were presented. Jerry was very supportive in the option I chose.I read other reviews on David Sklar and Associates and I whole heartedly agree. If you are struggling and it seems never ending, make the call to these people. I should have much, much sooner.Thank you so very much Jerry Janiec. You truly are a blessing.Sincerely, Karen M.
16:08 08/08/22
Great job. Bibi , marvel and many associated help us to serve the problem . Appreciate to your team David sklar .
15:26 08/05/22
Cori was kind and helpful, anyone interested in learning more about debt options would be fortunate to hear her insights and experience on the subject
13:55 07/26/22
Cori has been a great help in relieving stress caused by debt in my life, she has excellent knowledge in her line of work. Cori has a lot of patience and takes her time with her clients to make sure they understand. It has been a great pleasure working with Cori.
18:15 07/20/22
The service excellence I received was amazing. The staff at friendly and considerate and show empathy when dealing with such a difficult choice.
19:52 07/19/22
Caner uzun.. this place is full of professional lawyers all my debt problems are gone all I had to do is make an appointment go see them boom its that easy thank you all for your help
17:19 07/18/22
My mother introduced me to the company and I signed up and I spoke to Christine Sylver ... Let me tell you .... Christine Sylver is the best licensed debt counselor ever. She helped me from when we starting talking up until now and she's a great individual. I would recommend her and this company to anybody. I can't wait to have me debt cleared and start my life again.
20:21 07/06/22
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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.