David Sklar & Associates – Kingston, ON

Compassionate Debt Relief in the West End

David Sklar & Associates is a firm of Licensed Insolvency Trustees dedicated to helping people in the Greater Toronto Area and Eastern Ontario overcome serious debt problems. Our Kingston office, located conveniently in the West End, brings our trademark compassionate and professional service to the local community. We understand that good people can find themselves in bad financial situations. Whether it is due to high-interest credit cards, tax debts, or a sudden loss of income, we are here to provide a lifeline. Since our founding in 1997, we have helped thousands of individuals eliminate millions of dollars in debt, allowing them to sleep better at night and focus on what truly matters.

Specialized Insolvency Services

As federally licensed professionals, we offer services that unregulated debt agencies cannot. We operate strictly under the Bankruptcy and Insolvency Act to provide legal and binding debt relief:

• Consumer Proposals: This is our primary area of expertise. A consumer proposal is a negotiated settlement with your creditors where you pay back only a portion of what you owe. It stops all legal actions, freezes interest, and consolidates your debts into one manageable monthly payment.
• Division 1 Proposals: For individuals with higher debt levels or businesses, we can structure a formal proposal to reorganize finances and avoid bankruptcy.
• Personal Bankruptcy: While often a last resort, bankruptcy is sometimes the best option for a fresh start. We manage the process with sensitivity and efficiency, ensuring you are discharged as quickly as possible.

Rebuilding Your Financial Future

We do not just process paperwork; we help you rebuild. Our services include two mandatory credit counselling sessions where we teach you practical skills for budgeting, saving, and using credit wisely in the future. We want to ensure that once you are debt-free, you stay that way. Our Licensed Insolvency Trustees and estate administrators are known for their empathy and patience. We listen to your story without judgment and tailor a solution that fits your specific needs and budget.

Book Your Free Consultation

Financial freedom starts with a conversation. David Sklar & Associates offers free, confidential consultations to review your finances. We will explain the pros and cons of each option, from consumer proposals to bankruptcy, so you can make an educated choice. If you are struggling to keep up with minimum payments, do not wait until it is too late. Contact a Licensed Insolvency Trustee today. Our Kingston office offers flexible appointment times and is ready to help you take the first step toward a debt-free life.