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 701 reviews
Maria Curbelo
19:59 18 Jun 21
I had a great experience with Rhoda at the Mississauga location. Extremely knowledgeable and helpful, she made me feel confident I had made the right choice contacting David Sklar and co. Highly recommend.
Mark Simmonds
21:50 16 Jun 21
I would just like to say thank you to David Sklar & associates for helping me out in this difficult time I was in way over my head, I was introduced to Jackie Stanley, at that moment things got better the calls stop. Jackie was so professional helpful, trusting answered all my calls all my Text, and emails professionally and respectful!! I can’t believe it, and now I’m gonna build my credit rating back up and have my life back Thank You, Jackie Stanley at David Sklar& associates, for doing an outstanding Job!!!!
Richelle Barriault
17:57 16 Jun 21
I am not very good at putting words together especially when your speechless for all the help from such a friendly happy non judgemental team. From being financially stressed and depression hitting all at once I connected with Jackie Stanley💯❤❤ from David Sklar team in a whole other level,she is an absolutely joy to deal with and very informative let me know there is light at the end of the tunnel.. despite my struggle the amazing lady Jackie Stanley was able to put a smile on my face and make me laugh super happy and grateful 🙏I was able to connect with her from David Sklar &Associates team I 💯 percent recommend her (Jackie Stanley) and will continue to recommend her. To any one looking to get out of debt or have any questions belive me when I say you will not be disappointed with Jackie she's such a great person and I'm lucky to have been able to recieve the help and guidance from such a wonderful person and you will be also...look no further no where but up from here ...Thank you So so much Jackie much appreciated
Grace Muller
17:55 25 May 21
I must admit that I am so glad I called! I spoke to Rhoda Lewis who right away made me feel at ease. She's so caring and supportive I highly recommend her. Thanks to her my life is now on track! Thank you David Skylar & Associates Inc!
Nicholas Burnett
17:07 19 May 21
Very professional and courteous. Jackie was very helpful and understanding. She was happy to answer any questions I had and we were able to process everything quickly with no hassle.
HN
23:00 06 May 21
I would say my experience with David Sklar was spectacular, they made it really easy for my through the whole process and now 9 months later my bankruptcy is discharged.i would recommend David Sklar to anyone.
A M
14:39 04 May 21
I had a nagging defaulted student loan that was holding me back. There were a few smaller issues that were compounding. The lockdowns really forced me to look into building back my credit and starting fresh.Ashley at David Sklar & Associates at the Keele and Finch location was a blessing. She was thorough in her explanations and answered any concerns I had. She gave me the options and let me decide what was best. After conferring with her, I decided bankruptcy was the best option. She made the process of filing for bankruptcy easy.There's nothing to be afraid of. Stigma attached to bankruptcy but you can reset if you work hard to make it happen.I highly recommend speaking with Ashley if you have any concerns about debt solutions.
Pilar
21:05 28 Apr 21
I highly recommend David Sklar & Associates Inc. They helped me with my finances along with the help of Ashley Carter whom assisted me thoroughly throughout the process of my Consumer Proposal. She is very friendly, professional and updated me occasionally through emails. With her tremendous help, I am very thankful to have accompanied someone like her!
Fribeda Fronda
19:14 27 Apr 21
In behalf of David Sklar & Associates, Ms. Ashley Carter had been working tremendously and diligently to make people’s lives easier and stress free. Through this debt free program, my husband and I had been relieved from the headaches and worries of our financial standing before. Ashley, a soft spoken lady was very approachable and listened to our concerns. She explained to us very clearly the good things that will happen to our best interest. I believe that she is a great asset to the company and an excellent counsellor. My husband and I can’t thank you enough, Ashley, for all your help during those times when we needed it most. As of now, we are enjoying life in our seventies, though how simple it is we are happy because we have the assurance that sooner we will be debt free. Thank you so much Ashley for your kindness and for always being there for us. May God bless you more especially with good health.
Dalia Berger
13:49 27 Apr 21
I was so impressed with the professionalism , the speed, the attention, the compassion, and the efficiency your office of David Sklar provided for me, you provided me with necessary information, you helped me solve a big problem I had , you were always available to answer my questions, I can’t thank you enough ,Will always recommend you to anyone who could use your services, thank youDalia Berger
Jay Caja
04:19 15 Apr 21
The support I received was thorough and timely and the help that I needed with Credit Proposal was addressed in a single interaction. Thank you so much!
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!
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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.