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.

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David Sklar & Associates Inc.
5.0
Based on 712 reviews
Amanda Frappier
01:18 19 Nov 21
I’m very happy with the services I received for Jackie Stanley who helped me get my finances in order. It was a quick and easy process & all of my questions were answered.
Alex Taylor
22:03 17 Nov 21
I have had the privilege of being supported by Jackie at David Sklar Associate. She was very helpful, very professional and very friendly. She gave me the help I need. Thank you Jackie for your help.
Giani Kokolakis
18:45 25 Oct 21
I filed a proposal with another group, which came in as a referral from one of my brokers. My experience went from ok to bad to worse, due to lack of communication and education on the process I was to embark on. I worked with Cori Naron in the past, and I came to her now for help on literally doing the work that the other group should have done. Cori stepped in, educated me, advised on rights, responsibilities, how the process works and what potential outcomes may happen. I do not have enough words of recognition and gratitude for what she did - she alleviated stress, anxiety, dead-end thoughts and she made me live again. Congrats to DSklar for hiring her and retaining such talent.
Wajay Awan
07:29 12 Oct 21
Very professional service. Before contacting David Sklar & Associates i contacted bunch of other firms they seemed fishy. After I spoke with Jason Sklar at Hamilton Office I discovered professionalism with hope. I was explained every step of my situation with solution professionally. Thank you David Sklar & Associates.
Bruce Locke
16:13 08 Oct 21
I met David a few months ago and i am glad I did. He has helped me all the way through my bankruptcy with good advice and explained every step of the process. David is a very down to earth and very professional. Anytime I've had a question I was able to reach out to David by phone or email and he always got back to me. If your struggling with your bills and need a way to get help, I strongly recommend David Sklar &Associates to help you. My experience with them on 1-5scale would be a 5;; My life is so much better now, thanks to David Sklar.
Denise Simpson
15:17 09 Sep 21
I have had the privilege of being supported by Jackie S, at David Sklar n Associate.She was helpful, professional and friendly. I was able to get the help I needed at a difficult time in my life. I would recommend anyone who needs support with working out their debts to ask for Jackie, she will be waiting to assist however she can to help you through your debts. She works with a team who is always ready and responsive.Thank you Jackie and your team:)
Alex Lamparter
13:07 03 Sep 21
My experience with Ashley Carter at David Sklar and Associates was very pleasant and professional. The process was made easy by Ashley with her help in answering my questions and concerns.
Nicole Minister
17:43 02 Sep 21
Ashley she was extremely helpful,super friendly and understanding my situation. I am very please for the service I received and I will recommend this Company to anyone in need of consolidating. Thanks so so much.
rr 28
12:44 21 Aug 21
I finally pulled the trigger and seek help from this team. I tried to pay my debt in the way it should be until the pandemic made it even worst and couldn't keep up with my payments anymore. Jackie is an amazing person, I told her the problem, she gave me the solution and gave me a variety of options and walked me through the process. That simple. Thank you so much.
Vi Smith
18:09 13 Aug 21
Dealing with Jackie made the process so much more comfortable. From my first phone call with her I never felt like I was being looked down on. Jackie made this as easy as being in this situation could be.
fidel Cruz
14:35 24 Jun 21
I have to say, I never thought that such process could have been so quick and easy. But then again I guess that's what happens when you deal with professionals. I dealt personally with Rodha Lewis, who was very attentive to my personal issue and very professional on her work. She's someone who will actually take her take and talk to you about the process and help you as much as she can. I am very grateful to her and very appreciative of her work. I couldn't have dealt with someone better. Thank you very much Rodha for your work.
Maria Curbelo
13:43 23 Jun 21
I just completed my proposal and I am thrilled. Rhoda was delightful to work with. She helped me end the phone calls and start rebuilding my life. I highly recommend the services here and will always recommend to anyone who asks. Definitely seek out their services if you are in need of some help.
Jelena Petrovic
18:06 20 Jun 21
Very professional and fast service! Also, personable!.. they don't treat you like a number, but like a person.From the time I first contacted them, until I was set up there has been not more than 7 days.I dealt with Jackie, she was great!
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!
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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.