If debt has taken over your life and you are considering filing a consumer proposal or bankruptcy in Pickering or Ajax, the Licensed Debt Professionals™ at David Sklar & Associates can help
Since 1997, we have helped thousands of people in the Pickering Ajax and entire Greater Toronto Area – get rid of debt and get on with their lives.
As licensed trustees in bankruptcy, we are able to provide you with the information you need to make an informed decision. We offer a free initial consultation at our Pickering / Ajax office and all of our 6 GTA offices. Simply call 905-426-1818 and book your free appointment today. Or fill in our easy, online Quick Assessment Form to get started right away.
Depending on your financial situation, you might be able to fix your debt problems without using our services. If that is the case, we will review the options that are available to you, such as non-profit debt management programs, budgeting, debt consolidation, etc. We will help you find a way out of debt.
Debt consolidation is substituting numerous unsecured debts into one monthly payment. With debt consolidation, you can opt to go with a private lender, a bank, a debt management program or pick debt relief with a consumer proposal.
Consider all your options before going with a Debt Consolidation loan. Learn the facts on Debt Consolidation and review all the risks involved to see what the right option for you is.
If your debt problems need our help, it does not necessarily mean that bankruptcy is the right answer for you. Before we recommend bankruptcy, we will review the government-regulated alternatives that could get you out of debt and help you avoid bankruptcy.
These alternatives are Consumer Proposals and Division 1 Proposals. They are part of the same legislation that controls bankruptcy, and they can enable you to come to a legally binding agreement with your unsecured creditors. These agreements will reduce the total amount of unsecured debt that you will need to repay, spread your payments out over a period not to exceed 5 years, and stop all collection efforts by your unsecured creditors. In exchange, you will attend credit counselling sessions and honor the terms of your agreement.
Our Licensed Debt Professionals™ will work with you to determine if you qualify for a proposal or for bankruptcy, and explain all the differences between these processes.
To book your free consultation at the David Sklar & Associates, Licensed Insolvency Trustee, Pickering / Ajax office, or any of our 6 convenient GTA offices call 416-498-9200