Wage Garnishment

When your wages are garnished it makes it difficult to live day to day.

We have solutions that can stop wage garnishment and get you back on track.  Speak to our licensed debt professionals to find out more.

A creditor that hasn’t received their money can turn to wage garnishment as a court-mandated way to directly take funds from your income. When you have ignored payments (or simply been unable to meet them), your creditors can take up to 20 percent of your gross wages to go towards what you owe. Creditors often turn to this avenue if you’ve defaulted on your loans or haven’t made payments on your debts despite substantial reminders.

Contact us for your FREE no obligation consultation

David Sklar & Associates Inc.
5.0
Based on 686 reviews
stefania cicchino
13:54 27 Mar 21
We worked with Jackie. She is very professional and very caring. She is quick to respond and really cares about helping the people in front of her. I went with my uncle, who was scared of the whole process and mentally delayed. Jackie took her time with us and made him feel at ease. She carefully explained things multiple times and was very encouraging. She was a shining light in a difficult process.
Christine Lowe
16:44 12 Mar 21
Jackie is very professional, kind, supportive and super helpful. She was able to help me get back on track. Great service and I will definitely recommend them.
Belen Trava
19:01 11 Mar 21
Jackie provided me excellent service, was very helpful, and she made feel very secured and she listened to all my concerns.i was speechless with excellent service.
nicole lowartz
17:02 11 Mar 21
Had a great experience and successful result working with Carol at David Sklar & Associates! I was well informed and received great guidance after just the first conversation! She handled everything and helped me build a budget that is realistic and that i can really stick to! I highly recommend Carol and her team at David Sklar. Give them a call!
Kirah32
02:07 03 Mar 21
I've used these services twice and they have always been understanding, supportive and informative. They give you hope when you feel like there is none. I've referred multiple people to them and they've all had the same professional experiences. Jackie Stanley was amazing and got the job done. Thank you!
Kristine San Gabriel
15:14 02 Mar 21
Dealing with any kind of debt can be stressful. Jackie is amazing! Professional, warm and extremely helpful to say the least! She made sure to answer all of our questions, address any concerns and made this whole process as smooth as possible.
Clayton Surujbally
17:09 18 Feb 21
Working with David Sklar has been an easy and detailed process. I am especially thankful for the personal services provided by Jackie Stanley as she has been very informative and always ready to answer any questions or concerns in a timely manner. I highly suggest working with Jackie if the opportunity presents itself.
Chris Thompson
17:11 07 Feb 21
On February 2 l made the somber driveTo David Sklar and associates.I had known this location from having drovePast it many times over the years.I made a appointment using the phone numberOn their door in Pickering, OntLater that day l had a consultation withTrina Powell.Immediately upon meeting with her l wasBecomming more relaxed with the proceedings.Trina, was very down to earth, and very professional.We all have our calling, l can only gather sheHas found hers, and she is very good at herJob, and career.I met with her again two days later but on thisVisit l felt more relaxed, and self assured of myDecisions, having already met with Trina.Thank you! Hat's off to you.I also had a phone zoom call with MarkTo whom as well was very easy, and comfortableTo talk to,Thank you, Mark.The team at David Sklar and associatesShould take great pride, and comfort when theyHelp people, like me and probably so many others.Thank you.
Desiree Balkaran
17:09 07 Feb 21
I have dealt with this company before many years ago when I did my bankruptcy , and found to be very trustworthy, professional, and right at ease. No judgement, very understanding and very supportive. So of course would come to then again when this time did the debt consolidation. The staff is friendly and goes over all the details with you and answers all your questions so you know exactly what to expect and make an informative decisison. I aslo like how if I had any questions could leave a message or email the company and how promptly they answer me back. Thank you David Sklar & Associates for getting me back on the right track and living a life of debt free again. I have my freedom back thank you for all your help and support. Amen 🙏
Elizabeth Thomas
09:18 04 Feb 21
I am so grateful to Rhoda Lewis for an amazing opportunity to start fresh, she is very knowledgeable, professional and very friendly. I felt so comfortable from the moment I walked into her office, I definitely would recommend Rhoda to anyone who is looking for help. I love and appreciate you very much for helping me. After all these years I still kept in touch with you via email just to say thank you. Thank you again so very much and continued blessings.
Andrei Podeanu
02:09 01 Feb 21
Jackie Stanley will take you step by step in explaining the process professionally, answering all the question I had over the telephone or e-mail. We are very satisfied and grateful for her work and effort. Dan Podeanu
Daniel Domingues
22:19 23 Jan 21
Ashley Carter was very nice to me and professional and she helped me with my issue and she answer my questions in email. She helped me a lot and she gave me less stress.
1 blaze
18:36 21 Jan 21
Jackie Stanley take you step by step in explaining the process professionally, replying on our every question over the telephone or e-mail. We are very satisfied and grateful for her work and effort.
Tree Broker
14:33 20 Jan 21
Jackie and the team at David Sklar and Associates took my very stressful situation and made me feel at ease. I was treated with respect and understanding from the start of my process right through to the end. Prompt email and phone responses made it feel like I was at the top of their priority list.Jackie and the team at David Sklar are the best in the business. I would highly recommend using their services.
Jeremy Y
14:04 20 Jan 21
Has helped me put to gather all my financial debt and find a reasonable offer and deal in making payments towards all my debts as one. Has been patient and kind service one on one. A big thanks to Jackie for helping guide me through my process!
WhoisDriaB
02:09 20 Jan 21
Jackie is an amazing person, she takes her time to make sure you understand everything. Every question I had she was always a email or text away with a quick response. Thank you again
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WHAT IS WAGE GARNISHMENT? HOW DO I STOP IT?

Since wage garnishment is a legal proceeding, a creditor must first file a Statement of Claim. You have 21 days to respond to that claim to either dispute the debt or notify the creditor of an error. Without any response, the court assumes you agree to the debt and the creditor gets their Garnishment Order. Some of the ways to stop wage garnishment once it’s in action is to file a consumer proposal or file for Bankruptcy.

If you would like to learn more about the pros and cons of filing for a Consumer Proposal or Bankruptcy, please book an appointment with a licensed Insolvency Trustee at David Sklar & Associates to learn about the process. For many debtors, a Consumer Proposal is the most ideal way to settle their debts without some of the severity of filing for bankruptcy.

TEAM UP WITH A LICENSED INSOLVENCY TRUSTEE

Licensed Insolvency Trustees are licensed by the Office of the Superintendent of Bankruptcy (OSB) to administer forms of debt relief like bankruptcy. But they can also help you learn about options you might not have even known you had like a consumer proposal.

There are a few steps that you need to take before your proposal is approved by your creditors. Only a licensed insolvency trustee can officially file the proposal for you, so it’s important to work with someone empathetic and knowledgeable when you are ready to initiate a consumer proposal in Ontario.

PAYING OFF YOUR CONSUMER PROPOSAL

The amount of time you have to pay your creditors through your consumer proposal depends on the terms of your agreement, but the process can take up to five years. One of the attractive qualities of a consumer proposal vs bankruptcy is that while bankruptcy affects your credit score for up to seven years after it is completed, a consumer proposal only stays on your credit history for three years after it is completed.

Even if you have five years to pay off your consumer proposal, the promise of having the record wiped from your credit history means you might want to pay off your proposal as fast as possible. Are you thinking about taking out loans while in consumer proposal in order to speed up the process? Consumer proposals do not collect interest in the period that you pay them off, but your loan will.

If you take out a loan to pay off your proposal, you’ll pay more money in the long run. Be smart and conscientious about your repayment strategy. It’s best to be financially responsible than trying to make the problem disappear quickly with long-term consequences.

If you are dealing with Garnished Wages and live in Ontario, we invite you to call us for a free consultation at 1-844-962-9200. At David Sklar & Associates, Licensed Trustees in Bankruptcy, we will be happy to review your financial circumstances and discuss all your options regarding your garnishment and help you get on with your life.