David Sklar & Associates Inc.

Consumer Proposal & Bankruptcy Trustees
Serving the Greater Toronto Area

Hardest Bankruptcy Lesson

Of all the lessons our Greater Toronto Area Bankruptcy clients have learned – the one that hits us the hardest is “If we had only come to you sooner – we would not have had to go into bankruptcy”.

Many of our bankruptcy clients could have filed for a Consumer or Division I Proposal – if they had come to us sooner. Many of them would not have had to face losing their home or other cherished assets.

Our experience tells us that there are some common reasons for this delay:

• Reluctance to face the reality of their financial situation.


• Your financial situation is what it is. Our goal is to help you get a fresh start, and give you the tools to make better financial choices in the future.
• Bad advice from others.


• There are many unlicensed financial experts out there – very few (if any) know your situation, or know what is in your best interest.
• Fear that a Bankruptcy Trustee can only help with a bankruptcy.


• Bankruptcy Trustees can help you with a number of federally licensed services, from credit counselling, to debt management, to Proposals, to Bankruptcy. But before we start talking solutions, we will go over your financial situation in detail to help you sort out what your best options are.
• Concern that a Bankruptcy Trustee will be harsh and judgemental.


• At David Sklar & Associates, we are not harsh and judgemental – we care about our clients, and are pleased to be a part of their financial recovery.
• Afraid and or embarrassed by their financial situation.


• Fear and embarrassment are unnecessary. We are Licensed Debt Professionals™ who are here to help you, not judge you.
• Fear of the unknown.


• Fear of the unknown is a natural, and to some extent, healthy attitude. However, most of our clients loose that fear during their initial, free consultation.

At David Sklar & Associates, it costs you nothing to review your financial situation with one of our Licensed Debt Professionals™. Simply call 416-498-9200 and set up an appointment at one of our 6 GTA locations.

We really do prefer to hear “We are so glad we came in when we did – before we had to file for bankruptcy”.