
For the convenience of our visitors, we have included information pages that help to explain some of the basic concepts of Proposals and Bankruptcy. This web site is designed to provide general information only, it is not intended to provide insolvency advice and should not be acted on without consultation with professional insolvency advisors.
If you are dealing with serious financial issues, we strongly recommend you contact a Licensed Bankruptcy Trustee in your local area. In the Greater Toronto Area, David Sklar & Associates offers a Confidential & Free Initial Consultation during which one of our certified professionals will review your current finances and go over the solutions available to you. Call 416-498-9200 to book your Free Consultation at one of our six conveniently located Greater Toronto offices.
FAQ >
Brief answers to questions our clients most often ask us
Glossary >
Some of the basic Proposal & Bankruptcy terms
Consumer Proposal >
What it is, its benefits and implications
Consumer Proposal Process >
How the Consumer Proposal process works
Personal Bankruptcy >
What it is, its benefits and implications
Personal Bankruptcy Process >
How the Personal Bankruptcy process works
Consumer Proposals vs Personal Bankruptcy >
Explains difference between these two solutions
Division I / Corporate Proposal >
For Businesses and those Individuals with debts over $250,000 (excluding their primary residence mortgage).
Corporate Bankruptcy Page >
What it is, its benefits and implications
Insolvency >
What it is, how it is determined
Credit Rating >
Overview of credit Ratings and Credit History Records
Debt & Debt Management >
Learn about your debt load and how to manage it
Debt Consolidation Loans >
Learn the real costs of these loans and the alternatives
Eliminate Credit Card Debt >
How to find your way out of Credit Card Debt
Using Credit Wisely >
Learn the techniques for using Credit Wisely
Budget >
How to set up your own budget
Debt Fast Fix >
Fast fixes for reducing your debt load
Financial Dangers >
Warning signs that you might be heading for financial problems
Dealing with Collection Agencies >
Your rights and responsibilities
Garnishments >
What they are and how to deal with them
Cutting Expenses >
Great ideas for getting and keeping your debt load under control
Income Taxes >
Special Debt – how are income taxes handled in Proposals and Bankruptcies
Student Loans >
Special Debt – what you need to know if you have Student Loans
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
Toronto ~
Mississauga – Etobicoke ~
North York – Scarborough ~
North York West ~
Pickering – Ajax ~
Brampton