Meet the David Sklar & Associates Team
Guiding thousands of people out of debt since 1998
Everything’s going to be okay
Debt can feel overwhelming, causing stress, worry, even sleepless nights. The David Sklar team understands what you’re going through. We’re here to ease your worries, erase your debt, and give you the tools to build lasting financial freedom.
Why work with us
As a family-owned and operated business, we put people first. We understand the stress and fear that debt can bring, and we’re here to listen without judgment, protect you from being taken advantage of, and guide you toward lasting financial freedom.
Meet Our Licensed Insolvency Trustees
Our Licensed Insolvency Trustees are here to guide you with care and clarity, helping you understand your options and make informed decisions with confidence.
David Sklar
CA, CPA, CIRP, LIT
Licensed Insolvency Trustee
In 1997, David formed David Sklar & Associates Inc. a caring, professional firm that provides solutions for people dealing with financial stress through a wide range of services. Over the years, David Sklar & Associates has grown to multiple offices throughout Ontario and is one of the largest filers of Consumer Proposals and Bankruptcies in Ontario.
David is currently a member of the Canadian Institute of Chartered Accountants and the Institute of Chartered Accountants of Ontario. He is also a licensed credit counsellor, has earned the CIRP designation (Chartered Insolvency and Restructuring Professional), and is a general member of the Ontario Association of Restructuring Profession.
Mark Morgan
CA, CPA, CIRP, LIT
Licensed Insolvency Trustee
In 2006, Mark – a successful Chartered Professional Accountant, earned his Chartered Insolvency and Restructuring Professional designation. Active in Insolvencies since 2001, he uses his knowledge, experience and empathy to help people and businesses find the right solutions to their financial problems. Mark delights in helping clients, “realize that they can and will rid themselves of the financial chaos that has held them down for so long”. He encourages his clients to learn from past mistakes and then use that knowledge to build a better tomorrow.
Olga Chtcherbakova
CIRP, LIT
Licensed Insolvency Trustee
Olga is a Licensed Insolvency Trustee, Chartered Insolvency and Restructuring Professional (CIRP), with over sixteen years of experience in personal and commercial debt restructurings, bankruptcies, Consumer Proposals, and receivership engagements. Olga always brings a friendly caring and understanding approach to helping her clients. Her creativity and knowledge of the industry are what make her so effective when finding the right debt solution. Olga strives to put people at ease by eliminating their debt so they can move on to a positive financial future.
Richard Sklar
CIRP, LIT
Licensed Insolvency Trustee
As a Chartered Insolvency Restructuring Professional and Licensed Insolvency Trustee, with years of experience and a proven ability to help his clients get the fresh financial start they need, Richard has taken on the additional task of helping those Toronto Area residents who are in need of debt management support, find their solutions at David Sklar & Associates. Richard knows that debt resolution is not the end – it is a new beginning – a fresh start for a brighter financial life.
Chad Zizzo
CIRP, LIT
Licensed Insolvency Trustee
Chad is a dedicated Licensed Insolvency Trustee with years of experience helping individuals navigate financial hardship. Specializing in Canadian insolvency law, he provides expert guidance to anyone facing overwhelming debt, guidance on a variety of solutions tailored to each person’s unique situation. Chad ensures that the people he helps fully understand their choices and how each potential process works. Known for his empathetic and straightforward approach, Chad believes in empowering people with the knowledge they need to make informed, confident decisions about their financial future. He’s committed to helping individuals break free from the burden of debt and achieve a fresh, secure start—without judgment or unnecessary complexity. With Chad, you gain not only a professional adviser but also a trusted partner who’s genuinely invested in your long-term well-being.
Dennis Kish
BA, JD, LIT
Licensed Insolvency Trustee
Licensed Insolvency Trustee with over twelve years of insolvency experience as an LIT, with strong technical knowledge, including initial consultations, assessments, Division I proposals, report writing, drafting motions and court documents, and attending court. Skilled at helping individuals, small business owners, and professionals solve debt problems involving complex financial situations and tax debts with the Canada Revenue Agency, by utilizing insolvency proceedings, such as consumer proposals, Division I proposals, and bankruptcy court processes.
Previously practiced law in the areas of civil litigation, insolvency and creditors’ rights, and acted as legal counsel to banks, trustees and debtors in a wide variety of insolvency proceedings.
Meet Our Insolvency Advisors
We’ll help you get out of debt and in control of your own financial future.
Cori Naron
Debt Solutions Manager
Grace Cuffaro
Debt Solutions Manager
Grace Cuffaro is a compassionate and experienced Debt Solutions Manager, dedicated to helping individuals overcome financial stress. With over 15 years of expertise, Grace understands the challenges faced by those in debt. She provides tailored solutions, negotiates with creditors, creates manageable repayment plans, and explores debt consolidation options. Grace also offers financial education and long-term planning advice, empowering clients to secure their financial future. Passionate about helping people achieve a debt-free life, Grace is ready to assist anyone in need.
Iftaker Kabir
Debt Solutions Manager
Iftaker is a thoughtful and detail oriented Customer Care Specialist who is passionate about helping people navigate difficult financial situations. He approaches every consultation with patience and clarity, ensuring clients understand all their options and feel supported throughout the process. Iftaker’s goal is always to provide meaningful guidance that helps clients make informed decisions and move toward a stronger financial future.
Jackie Stanley
Debt Solutions Manager
With over 20 years in the financial industry, Jackie provides not only knowledge and experience, she has a sincere concern for her clients. Clear and straight-forward, she is able to offer her clients real solutions that will enable them to build a brighter financial future for themselves and their families. According to Jackie, “There is no better satisfaction than knowing you have helped another person realize their goals”.
Jason Sklar
Senior Manager — Team Lead
Jason offers his clients the power of his knowledge, his years of experience and his genuine concern for his clients and the life challenges they are facing. He helps his clients feel hopeful again, teaches them how to manage their finances, and provides them with the tools that enable them to move on with confidence.
Jerry Janiec
Debt Solutions Manager
With over 20 years of experience in the Insolvency Industry Jerry has the expertise to provide individually tailored debt relief solutions to clients from all walks of life. In addition to English, Jerry is fluent in Polish and has been helping clients in the Polish community all over Ontario understand their options when facing financial stress. Living with financial stress can impact both your professional and personal life. According to Jerry, “It’s so important that I get to know all of my clients on a personal level. My reward is knowing that I’ve helped rebuild my client’s financial future.”
Jeffrey Law
Debt Solutions Manager
Jeffrey brings experience in financial services and project management, along with strong problem solving skills and an analytical approach to helping clients understand their financial situation. He is known for improving processes, enhancing the client experience, and providing clear, thoughtful guidance. Jeffrey is committed to delivering results and making a positive impact on every client he supports.
Jennifer Ricaplaza
Debt Solutions Manager
Jennifer brings a calm, supportive presence to every client she works with. She takes the time to understand each person’s financial challenges and focuses on guiding them toward practical solutions that reduce stress and create a clear path forward. Jennifer is committed to helping individuals regain control of their finances and rebuild confidence as they work toward long term stability.
Monica Roberts
Debt Solutions Manager
Monica is a genuine and friendly member of our Debt Solutions Manager team who is passionate about helping people find relief from debt. She understands how stressful financial challenges can feel and takes the time to listen, answer questions, and explain available options clearly. With her honest approach, caring nature, and steady support, Monica helps clients feel informed, encouraged, and confident as they take the next step toward debt relief.
Mo Patel
Debt Solutions Manager
Mo works closely with clients to understand their unique financial situation and map out a personalized path to debt freedom. With a thoughtful, solutions-focused mindset, Mo takes the time to explain every option clearly so clients feel empowered and confident in the decisions they make.
Monira Baldiwala
Certified Insolvency Counsellor
Monira is a compassionate and supportive Counsellor who helps clients take control of their finances after filing for insolvency. With a calm and caring approach, she guides individuals through budgeting, credit rebuilding, and long-term financial goals, empowering them to move forward with confidence and peace of mind.
Nicole Nelson
Debt Solutions Manager
Nicole is a compassionate and knowledgeable professional, dedicated to making the journey to debt relief as easy and smooth as possible for her clients. With a strong commitment to honesty and transparency, she guides individuals and families through financial challenges, offering clear, effective strategies tailored to their unique situations. Nicole’s approach is rooted in understanding and empathy, ensuring that every step of the process is straightforward and stress-free, helping clients regain control of their financial future with confidence.
Roberta Ojada
Debt Solutions Manager
Roberta is a reliable and empathetic Debt Solutions Manager who helps clients feel supported, comfortable, and confident as they take the necessary steps toward debt relief. With clear communication and strong organizational skills, she provides steady guidance throughout the insolvency process and helps make each step feel more manageable.
Samycha Millerfrancis
Debt Solutions Manager
Samycha is a seasoned debt counselor with nearly 20 years of experience in the finance industry. Her mission is to assist Canadians in attaining a fresh start, liberating themselves from debt, and retaining more of their hard-earned income. Recognizing that financial challenges can detrimentally affect various aspects of an individual’s life, she excels in establishing connections with people, enhancing their understanding and capabilities, and providing a comprehensive view of their financial situation. Through her guidance, hundreds of Canadians have successfully navigated their journey to debt freedom, gaining peace of mind and renewed hope for the future.
Serena Sklar
Debt Solutions Manager
Serena Sklar is a dedicated and compassionate member of our Debt Solutions Manager team who is committed to helping people find relief from debt. She takes the time to listen, understand each client’s unique financial situation, and provide clear guidance on available options. With her caring approach, friendly nature, and honest advice, Serena helps clients feel supported and confident as they work toward a more stable financial future.
Shirley Sklar
Senior Manager
With years of experience as a Certified Insolvency Counsellor, and life experiences that have made her empathetic to people experiencing debt problems – Shirley helps her clients understand that everyone makes mistakes – but the secret to success is to learn from our mistakes and move on. Shirley helps people to help themselves – to take responsibility for their life choices and to know that with the right attitude and good work ethic – anything is possible.
Sorna Maghsoodi
Debt Solutions Manager
Sorna is a dedicated and empathetic Debt Solutions Manager who brings a wealth of experience in helping individuals navigate their financial challenges. With a strong commitment to providing personalized support, Sorna understands the emotional and financial strain that debt can cause. She focuses on crafting tailored solutions that align with her clients’ unique circumstances, whether it be through debt consolidation, consumer proposals, or other debt relief options. Sorna’s goal is to empower her clients with knowledge.
Shayne Fagel
Debt Solutions Manager
Shayne is passionate about helping people take control of their finances and move forward with a plan that works. He brings both clarity and compassion to every conversation, ensuring clients understand their debt relief options and feel supported every step of the way.
Tammi Oddi
Debt Solutions Manager
Tammi brings a warm, knowledgeable presence to every client meeting. She takes the time to listen and explain all available debt solutions in a way that’s easy to understand helping people take back control of their finances and start rebuilding with confidence.
Trina Powell
Debt Solutions Manager
Trina is an experienced Debt Solutions Manager who provides clients with knowledgeable support, honest guidance, and a caring approach. She has a strong understanding of the family dynamics that can come with financial stress and helps people from all backgrounds find a path toward debt relief. Fluent in both French and English, Trina is passionate about helping clients build stronger financial habits and regain peace of mind.
Meet Our Customer Care Team
We’ll help you get out of debt and in control of your own financial future.
Armi Racho
Customer Care Specialist
Armi Racho is a dedicated and supportive member of our Customer Care Team, bringing a profound understanding of the challenges associated with debt. Armi provides unwavering support to customers in need, prioritizing active listening to their concerns and tirelessly working to find tailored solutions that best fit their circumstances. Through an honest approach and transparent communication, Armi ensures that customers are well-informed about their options, fostering a sense of trust and confidence. Her caring nature shines through as she guides and encourages customers every step of the way, offering reassurance and support throughout their journey toward achieving debt relief.
Beatriz Cabrera
Customer Care Specialist
Beatriz Cabrera is a compassionate and dedicated Certified Insolvency Counsellor, with extensive experience in helping individuals overcome financial stress. Fluent in English, Spanish, and French, Beatriz provides a caring and non-judgmental approach to finding the best solutions, drawing from her multilingual abilities to cater to a diverse clientele. Her mission is to guide clients towards financial freedom by offering tailored strategies, including negotiation with creditors, repayment plans, and debt consolidation options. Beatriz’s passion lies in empowering individuals with the knowledge and tools to prevent future financial distress, ensuring a brighter and debt-free future for her clients.
Cecilia Plunkett
Customer Care Specialist
Cecilia Plunkett is a compassionate and experienced member of our Customer Care Team, dedicated to helping individuals find solutions to their debt challenges. With her extensive knowledge in debt management and financial planning, Cecilia offers invaluable guidance to customers seeking relief. She is known for her patient and understanding approach, ensuring that each customer feels heard and supported. Cecilia works tirelessly to explore all available options and provides honest advice tailored to each customer’s specific needs. With her caring nature and expertise, Cecilia empowers individuals to take control of their financial well-being and pave the way towards a debt-free future.
Faiz Afaq
Customer Care Specialist
Faiz is a compassionate Customer Care Specialist who is dedicated to helping clients feel supported from the moment they reach out. He brings a patient and attentive approach to every interaction, making sure clients feel heard, understood, and guided in the right direction. Faiz focuses on creating a positive first experience, helping people take the next step toward finding the debt solutions they need. His commitment to care and professionalism makes him an important part of the client journey at David Sklar and Associates.
Hernee Templonuevo
Customer Care Specialist
Hernee Templonuevo is a dedicated and supportive member of our Customer Care Team. Hernee understands that each individual’s debt situation is unique, and she approaches every customer with patience and understanding. She takes the time to carefully analyze their financial circumstances and offers personalized solutions. With a friendly and approachable attitude, Hernee helps customers regain control over their debt by providing clear and honest advice, helping them build a path towards financial stability.
Jo Saulnier
Customer Care Specialist
Jo Saulnier is a supportive and empathetic member of our Customer Care Team, committed to helping individuals overcome their debt burdens. Jo recognizes the emotional toll that debt can have on people’s lives, and she provides a compassionate ear and a shoulder to lean on. With a friendly and approachable demeanor, Jo establishes a connection of trust with customers, ensuring they feel comfortable sharing their concerns. She offers caring guidance, taking the time to explain the available options and helping customers make informed decisions. Jo’s unwavering support and dedication empower individuals to navigate their debt challenges with confidence and hope.
Sabrina Paonessa
Customer Care Specialist
Sabrina understands that dealing with debt can feel overwhelming, which is why she’s here to make the process as smooth and stress-free as possible. With a strong background in insolvency and debt solutions, she takes the time to listen, explain the process clearly, and support you every step of the way. Her warm, approachable nature helps clients feel at ease, and she’s always ready to answer questions, clarify requirements, and provide the guidance you need to move forward with confidence.
Sarah Phalen
Customer Care Specialist
Sarah Phalen is an honest and caring cornerstone of our Customer Care Team. Committed to empowering individuals grappling with financial burdens, she dedicates herself to equipping them with the knowledge and tools needed to navigate their options wisely. Sarah’s profound expertise in debt management equips her to provide invaluable guidance and realistic solutions, tailored to the specific needs of each customer. Through her transparent and open communication, Sarah cultivates a sense of trust, ensuring that customers feel fully supported and empowered as they navigate the journey to financial stability.
Rhoda Lewis
Customer Care Specialist
Rhoda joined David Sklar & Associates in 1999 and quickly discovered her passion for helping people learn to deal with financial stress. Rhoda uses her strong inter-personal and financial skills to help her clients find solutions to their financial stress. Rhoda’s clients are relieved to know that they can once again be responsible for their own financial stability and they are eager to move forward.
Stephanie Siwazalian
Customer Care Specialist
Stephanie Siwazalian is an honest and caring member of our Customer Care Team. She believes in empowering individuals facing debt struggles by providing them with the necessary knowledge and tools to make informed decisions. Stephanie’s expertise in debt management enables her to offer valuable guidance and realistic solutions. She builds trust with customers through her open and transparent communication, ensuring they feel supported and empowered throughout the debt resolution process.
Whatever stage you’re at, we can help
“Treat people with respect and understanding and always go the extra mile to make a positive difference in someone’s life.”
Since 1998, we’ve helped thousands and we can help you too
We’ll walk you through your debt-relief options, help you choose the right path, and support you as you rebuild wealth. The best way to get to know us is by reaching out by booking a FREE call. We’re here when you’re ready.
21 Licensed Insolvency Trustee Offices Across Ontario
There is a David Sklar office near you
Frequently Asked Questions About
Our Team
How many Licensed Insolvency Trustees does David Sklar & Associates have?
David Sklar & Associates has 7 Licensed Insolvency Trustees: David Sklar (CA, CPA, CIRP, LIT), Mark Morgan, Olga Chtcherbakova, Richard Sklar, Shawna Cunningham, Chad Zizzo, and Dennis Kish. All are federally regulated under the BIA.
Does David Sklar & Associates have Spanish-speaking staff?
Yes. Beatriz Cabrera is a Certified Insolvency Counsellor fluent in English, Spanish, and French. She provides counsel to Spanish-speaking clients across Ontario.
Who founded David Sklar & Associates?
David Sklar founded David Sklar & Associates Inc. in 1997. As a Chartered Accountant and CIRP-designated Licensed Insolvency Trustee, he has built the firm into one of Ontario’s largest filers of consumer proposals and bankruptcies
What languages does the David Sklar team speak?
The David Sklar team includes counsellors fluent in English, Spanish (Beatriz Cabrera), French (Trina Powell, Beatriz Cabrera), and Polish (Jerry Janiec). Multilingual support is available across all 22 Ontario offices.