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Living Debt Free in Toronto
Debt Management, Budgeting and Reducing Expenses ~ from a Uniquely Toronto View
Consumer Proposal
in Toronto
Consumer Proposal Articles and Answers from one of Toronto's Leading Trustee Firms
Bankruptcy in Toronto
Bankruptcy Articles and Answers from one of Toronto's Leading Trustee Firms
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We Can Help
At David Sklar & Associates we have worked with thousands of people in the Greater Toronto Area facing the biggest financial challenges of their lives. We help people get through the Consumer Proposal / Bankruptcy legal paperwork maze and we deal directly with their debt holders – but most importantly, we provide our clients with the tools that they will need to live successful, debt free lives.
To help our clients adjust to living on a budget and to help everyone looking to eliminate debt in the Greater Toronto Area, we have set up a blog to share budgeting and debt reduction hints. In addition, we have set up two separate blogs to help people better understand the Consumer Proposal and Bankruptcy processes.
Our ‘Living Debt Free in Toronto’ blog shares lessons we, our clients, and our readers have learned, from setting up a budget to debt management to cutting expenses to finding low-cost, fun activities for the whole family.
In our ‘Consumer Proposal in Toronto’ blog our Trustees answer your Consumer Proposal questions and we provide useful articles to help make the Consumer Proposal process more understandable.
Our ‘Bankruptcy in Toronto’ blog features our Trustees answering your Bankruptcy questions and offers informative Bankruptcy articles.
Recent Activity
From our Bankruptcy in Toronto Blog:
Bankruptcy in Toronto – Finding a Brighter Future
Find out how Marta (not her real name), a newly-single mother of one facing overwhelming debt was able to move on with her life. Read more in Bankruptcy in Toronto – Finding a Brighter Future....
Note: our case histories contain real stories about real people - however, we have altered some of the facts to protect our clients’ privacy.
From our Bankruptcy in Toronto Blog:
Living in Bankruptcy is tough – but for some it is the only reasonable way out of their personal debt crisis. To provide a better understanding of what Bankruptcy is like, we have put together a clear and simple overview. Read more about Living in Bankruptcy...
From our Living Debt Free in Toronto Blog:
Whether it is a cash gift or a government rebate – how you use unexpected money can be a key factor in successfully handling your finances. Find out more about Planning for Unexpected Money...
From our Consumer Proposal Toronto Blog:
Case History: Debt Management – More Than a Balancing Act
Bill and Susan (not their real names) were a professional couple living in the Greater Toronto Area who found themselves with overwhelming debt and loads of worry. Find out how this worried couple and their children got of debt and moved forward with a ‘fresh’ start using a Division I Proposal...read more
Note: our case histories contain real stories about real people - however, we have altered some of the facts to protect our clients’ privacy.
From our Living Debt Free in Toronto Blog:
Discover how the small credit choices we make can have big impacts on our finances... read more
From our Consumer Proposal Toronto Blog:
Case History: Paul & Nancy - Stopping Aggressive Collectors
Paul & Nancy (not their real names) avoided Bankruptcy and used a Consumer Proposal to deal successfully with crippling debt and aggressive collection agents. ...read more
Note: our case histories contain real stories about real people - however, we have altered some of the facts to protect our clients’ privacy.
From our Bankruptcy in Toronto Blog:
Surplus Income in the Bankruptcy Process
Based on income levels set by the Superintendent of Bankruptcy, a potential bankruptcy applicant’s income is evaluated to determine if Surplus Income exists. If it does, the individual can be looking at an extended bankruptcy period (from 9 to 21 months for first time bankrupts) and being required to pay money into their Bankruptcy Estates for disbursement to creditors.
From our Living Debt Free in Toronto Blog:
Budget Basics: A Five Part Series on How to Set Up a Budget You Can Live With
Because we believe that one of the best tools that anyone can have in their goal to be debt free is a budget, we have started our Living Debt Free in Toronto blog with an easy to use, five part budgeting series with a printable Monthly Expenses & Income Worksheet as well as a printable Budget Worksheet.
Beginning with a brief overview, this handy series gives you the tools you need to start your own journey towards Living Debt Free:
Budget Basics – How to Set Up a Budget You Can Live With - An Overview
Budget Basics – Clearly Identify Your Starting Financial Position - Step 1
Budget Basics – Clearly Identify Your Financial Goals - Step 2
Budget Basics – Setting Up Your Budget - Step 3
Budget Basics – Follow Through or Rinse and Repeat - Step 4
We Can Help
If your debt problems seem insurmountable and you are thinking about filing a Consumer Proposal or Bankruptcy and you live in the Greater Toronto Area – we can help. At David Sklar & Associates, our Certified Professionals have the experience and knowledge to help you get out of debt and move on with your life. Call us today at 416-498-9200 or get started with our Quick Assessment Form to book your Free Consultation.
Free Yourself From Debt with David Sklar & Associates
Confidential & Free Initial Consultation
or Get Started with Our Quick Assessment Form Today
David Sklar & Associates Inc - Greater Toronto Ontario Bankruptcy Trustee
Consumer Proposals ~ Debt Consolidation ~ Debt Management ~ Bankruptcy