David Sklar & Associates

Paying only the minimum on your credit card? You’re mostly paying interest, not your debt. That’s why it can take years to get ahead. David Sklar & Associates can help you explore better options. #DebtHelp #CreditCardDebt #OntarioDebtRelief #PersonalFinance #ConsumerProposal

Think GST or HST debt can’t be included in a consumer proposal or bankruptcy? Not always true. In many cases, CRA debt can be included giving you a real path to relief. davidsklar.com/blog/can-you-i… #DebtRelief #ConsumerProposal #BankruptcyCanada #TaxDebt #CRA

Can you pay off a consumer proposal early? Yes, and it could help you move forward faster. We break down your options and what to consider before making a move. 👉 davidsklar.com/blog/options-t… #ConsumerProposal #DebtRelief #OntarioDebt #FinancialFreedom

Can you add new debt to a consumer proposal after filing? Short answer: usually no. Consumer proposals are tied to the filing date under the BIA. Our latest blog explains new debt, credit use during a proposal, and when amendments may help. davidsklar.com/blog/can-you-a…

Think a consumer proposal only makes sense if your debt gets reduced? Think again. Even if you repay it all, a proposal can save you interest, stress, and protect what matters most. Read how: davidsklar.com/blog/why-payin… #DebtRelief #ConsumerProposal #DebtFreeJourney

Thinking of co-signing a loan? If the borrower files for bankruptcy, you could still be on the hook for the full debt. Find out what happens to co-signers in a bankruptcy and how to protect yourself. 👉 davidsklar.com/blog/what-happ… #DebtHelp #BankruptcyCanada #CoSigner #DebtRelief

Your credit score is more than just a number—it can decide if you get approved for a loan, a rental, or even a job. Here’s what affects your score + tips to improve it: davidsklar.com/blog/need-to-i… #CreditScore #FinancialHealth

Avoiding debt help to ‘protect’ your credit is like refusing surgery to avoid a scar. Ignoring debt is what destroys credit long-term. We can help you, rebuild, and start fresh. 👉 davidsklar.com | 📞 289-813-1944 #DebtHelpOntario #ConsumerProposal #davidsklar

Consumer Proposal vs Bankruptcy in Canada 🇨🇦 Licensed Insolvency Trustee Richard Sklar explains the 7 key differences, payments, credit impact, assets & more. youtu.be/dJXVBC7j2JQ?si… #DebtHelp #ConsumerProposal #BankruptcyCanada

🔥 Feeling buried in debt? Stop pouring money into the fire with high-interest loans. There’s a better way. A Licensed Insolvency Trustee can help put the fire out for good. 💬 Talk to @TorontoTrustee today. 289-813-1944 #DebtHelp #DebtRelief #ConsumerProposal #Davidsklar

💰 Struggling to keep track of your money? Our new guide shares 5 easy steps to create a budget—designed for Ontarians who want to save more, cut expenses & reach their goals. Start budgeting smarter today 👉 davidsklar.com/blog/personal-… #Budgeting #OntarioFinance #MoneyTips

💡 Do you understand the voting process for a consumer proposal? We break it down: davidsklar.com/blog/consumer-… Take control of your financial future today! #DebtSolutions #ConsumerProposal #LicensedInsolvencyTrustee #DebtRelief #BankruptcyAlternative

Pamela came to us with $43,700 in credit card debt, personal loans, and CRA tax debt. Through a customized Consumer Proposal, we helped her reduce that debt to just $15,300 a 65% reduction! #DavidSklarAssociates #DebtReliefOntario #ConsumerProposal #DebtConsolidation

Roxanne, a resilient single mom from Pickering, Ontario, shares her inspiring journey to financial freedom in this heartfelt testimonial. Regain control of your financial future. Call: 289-212-6730 for your FREE consultation. davidsklar.com

💰 Is a Debt Management Plan Right for You? When dealing with debt, there’s no one-size-fits-all solution. For some, a Debt Management Plan (DMP) may be a helpful way to regain financial control—but it's not the only path available. davidsklar.com/blog/debt-mana…

davidsklar.com/blog/how-long-… One of the most common misconceptions about bankruptcy is that it disqualifies you from getting a mortgage. The good news is that obtaining a mortgage is possible after being discharged from bankruptcy. Learn more. #debt #FinancialFreedom

davidsklar.com/blog/debt-and-… Divorce and financial problems are both very stressful situations. Debt is still one of the leading causes of divorce, and one study showed that couples who fight about money weekly are more likely to separate. #debt #Divorce

In this article, we explore how the current environment of rapidly increasing interest rates will impact mortgages. And what you can do to prepare. #davidsklar #debt #debtfree #debtfreeliving #debtfreegoals davidsklar.com/blog/the-impac…

High inflation can put a strain on your budget as it makes day-to-day spending more expensive. But what impact does inflation have on your debt? If prices rise during inflationary periods, does the value of your debt increase as well? #debt #debtfreedom davidsklar.com/blog/how-does-…

davidsklar.com/blog/the-risks… Canadians are facing new levels of financial pressure, and that’s leading some to turn to private mortgage lenders instead of traditional banks and credit unions. Learn about the risks of private lending. #debt #davidsklar #budget #canada #debtfree