Debt free solutions – Brampton

Our supportive and caring Licensed Insolvency Trustees in Brampton can help you regain control of your finances by providing solutions to significantly reduce your debt, giving you the tools to rebuild a better, more financially secure life.

Contact us for your FREE no obligation consultation

Ashley Carter, Certified Insolvency Counsellor- Brampton

As a proven and successful Estate Administrator, Ashley is able to combine her love of the law and her deep concern for the well-being of others. Recognizing the power of the Bankruptcy and Insolvency Act to help people who are in financial crisis regain control of their lives, Ashley is pleased to be a part of the process that gives others a ‘fresh start’. The relief that she sees in her clients, is one of her greatest rewards.

Start with a free consultation where Ashley will provide you with a confidential assessment of your finances. Ashley will help you find the best solution for your specific financial needs and take the time to explain every step of the process, ensuring you will feel confident about your decision. We are not here to judge you we are here to help you rebuild your finances and start living the life you deserve.

Based on 43 reviews
21:14 12 Dec 20
The staff at David Sklar are professional, respectful and honest right from my first phone call. It made a really embarrassing and difficult situation easier to handle. Now I'm on the way to rebuilding my life for my family.Thank you to the team and especially Ashley from the Brampton location.
Omair P.
17:32 11 Dec 20
Ashley Carter was great and helpful. Answered every and each questions in detail and politely. Thanks
Robert B.
00:33 16 Sep 20
David Sklar and Associates were very informative and helpful during this difficult time in my life. Ashley helped make this process stress free. I found her knowledge and guidance quite helpful. I now know I should have gone to them much sooner. Robert
Josh G.
13:57 28 May 20
Ashley has been fantastic and very kind and understanding throughout an otherwise difficult and stressful process. She alleviated all of our concerns and guided us through it all smoothly.
Anniefa G.
18:28 19 May 20
Shes very helpful,informative,kind, and she gets the job done!!
Kat W
23:56 13 Jan 20
I recommend anyone who lives in the Brampton area to definitely set a consultation with Ashley. She is absolutely fabulous and very professional. Hands down a very easy and stress free experience.
Derek F.
17:34 05 Jan 20
It was mentally straining to make a decision like this and I was very unorganized with my finances. Ashley helped me get everything together and walked me through the whole process. It was not as stressful as I thought it would be thanks to her guidance.
Tom B.
18:55 29 Nov 19
Very helpful and very friendly staff. I went in to the office feeling overwhelmed and stressed out. Ashley was very professional and knowledgeable and now I feel I can finally move on with my life. Thank you. I would highly recommend going to see them immediately please don't wait just deal with the problem right away so it can be behind you. Thank you again highly recommend!!!!!
Crissy M.
01:08 20 Nov 19
I highly recommend David Sklar & Associates. I went to the Brampton location feeling overwhelmed by my debt and left feeling at peace that it will soon all be behind me. Ashley Carter is great, she replies to phone calls and emails in a timely manner. Ashley helped me to choose the best way for me to overcome my debt. I really appreciate all that you have done. Thank you
Sean K
10:23 19 Nov 19
Excellent & knowledgeable experience , Ashley made the process of everything smooth & stressfree . Would recommend this location to anyone in the Brampton/ Mississauga area .
Jenn L.
03:52 12 Nov 19
when I needed help for my Mom who is on disability and had debt with CRA, David Sklar was helpful and professional
pat B.
21:02 23 Oct 19
My Experience With Ashly at David Sklar & Associates was one of Gratification and Excellence. I was treated with respect which is most important to me when dealing with such a delicate situation such as this. I felt such relief just from the very first consultation visit. I wad given the opportunity to to make an educated decision on my debt situation which was greatly needed.The relief I feel now I cannot even explain in words I feel that there is hope again and confident that everything is going to be fine again.I just want to Thank Ashley and everyone at David Sklar & Associates for giving me such stress relief and hope that things will get better just follow there simple steps and be patient and once again life will be better.I would highly recommend Anyone to make an appointment With this company if you feel that there is no way out of your debt situation because believe me there is.
Denise S.
23:25 07 Oct 19
I went in the Brampton office nervous and unsure of what lay ahead. Ashley has so much information for me and put me in the right track. So much less stress and always a phone call or email away when I have questions.
osa A.
17:03 29 Aug 19
I just want to use this medium to tell my experience with David Sklar & Associates. I usually never bother to involve in review writing because people have different mood different days, and people do actually treat people differently based on their personal or collective demographical leaning.But I decided to agree with most people who said Ashley Carter is a Class and a pro. With major medical problems, high stress and serious financial entanglement, she provided a pathway for me to trust, educate myself, understand the process and find peace while smiling and telling me it will be o.k. I am deeply grateful to this young lady and her compassionate attitude toward her clients.
Cotton C.
14:27 15 Aug 19
So my husbands lawyer referred him to this company, and my husband went and shortly after him, I went for myself. Ashley is the one who is dealing with our files. She is a beautiful person, and very straightforward. I am so grateful for the information she has taught us since we have met! And I do wish I done this sooner. But good things come to those who wait. I would highly recommend david sklar & associates to my friends, family, and clients in brampton who desperately need to repair their credit !
Kaci M.
18:45 13 Aug 19
Have been working with Ashley Carter since January 2019. She is helpful with her knowledge of debt proposals. She is helping me get my credit back on track. She is an amazing at listening to you and to see what my next step will be. If you are in Brampton with credit issues make an appointment with her asap. The quicker you start the process the faster you will see results.
Domenica L.
12:57 05 Aug 19
It has been a pleasure working with Ashley Carter at David Sklar & Associates. She is a professional and makes me feel comfortable and at ease. I was consumed with worry and anxiety walking in the office but that was not the case after my meeting with Ashley. I felt this huge weight lifted off my shoulders and a great sense of peace. Ashley has given me the necessary tools to manage my financial affairs going forward. I'm grateful for all she has done for me. Thanks Ashley.
Don M.
14:50 30 Jun 19
Excellent experience with Ashley at the Brampton office. Sound financial advice that allowed me to move forward. High recommended. Don
Dean L.
14:18 20 Jun 19
Ashley Carter was fantastic in helping me with my financial situation. She was very knowledgeable and quick to respond to all the questions I had. She offers great advice and made dealing with my situation very easy. Thanks to Ashley I'm on the right path again!
Christian M.
08:19 16 May 19
David Sklar and associates was a amazing experience. Ashley was the one that helped me. as soon as I meet her, told her about my debt she gave me the options it felt like a huge weight off my back. she showed respect and compassion. they build a plan. I felt like I have my life back Thankyou David Sklar and Associates
18:30 25 Apr 19
Excellent service, Ashley Carter was very helpful during the whole process, she is very knowledgeable and made me feel comfortable, thank you very much. I highly recommend her.
Sarah G.
18:29 17 Jan 19
Ashley C., a member at David Sklar & Associates' Brampton office, was very knowledgeable and provided various options to assist me with my financial inquiries. She is responded to my questions in a timely manner and was very helpful overall.
firqan S.
16:41 28 Nov 18
Thanks again for putting my life back on track Ashley very knowledgeable and professional and always followed up.
Mj M.
02:29 16 Nov 18
I wanted to thank Ashley Carter for her assistance during the most challenging time of my life. She listened to my problem without judgement and she explained ways to solve my challenges. Ashley Carter has a well rounded knowledge about the Sklar and Associates Inc. and she’s a great assets in the company. She’s an excellent advisor and always follow up on me to be in the right track. I would recommend Miss Ashley Carter to anyone looking for an advisor.Thank you again and more power to you always. God bless you.Sincerely yours,Mary Jane Mason.
Michael H.
14:39 14 Nov 18
I find the staff at Sklar especially Ashley to be very professional, compassionate and non-judgmental in guiding people through a very stressful and challenging period.
Adham B.
20:45 24 Sep 18
Following a series of really poor choices and lapses in judgement, I knew I had dug a hole for myself that was too deep to get out of on my own. That's when I was directed to David Sklar & Associates for help. My experience there with Ashley was extremely pleasant. She was very professional and understanding as I explained my situation to her, and worked with me every step of the way to ensure the best results. I would definitely recommend the trustees at David Sklar & Associates to anyone going through the same ordeal, as they genuinely care about their client's well being and will do what it takes to help them get their life back on track.
Carmen S
13:54 20 Aug 18
Ashley Carter was very sympathetic and helpful in explaining how everything works. She made the process as easy as it could be.
Sundeep K.
22:14 17 Aug 18
Great Service! I was able to get my debt under control and can now make payments that work within my budget. The whole process was quick and easy thanks to David Sklar and Ashley!
tyrone H.
13:41 19 Jul 18
Ashley Carter is very personable and professional . Ashley is very informative and provides awesome advice.Marsha Holness
Justin S.
16:40 26 May 18
Very knowledgeable and helpful answers all questions ask for ashley she will help you out
Niel H.
14:28 05 Jan 18
My experience with DS&A over the past number of years has been nothing but positive. From the outset when dealing with Ashley she was professional, patient and understanding. I also had the pleasure of speaking other members of the team and all were equally supportive and responsive. Gald I chose them to work with!
Jane P.
14:56 11 Dec 17
Ashley did a great job helping us from financial trouble to a road of financial recovery and a peace of mind. Jane and Dennis
Reza M.
14:19 20 Oct 17
I'm very satisfied from their services.Very professional and helpful staff. Specially i would like to say thanks to Ashley Carter. She helped me so much regarding my case.
Next Reviews

What is a Consumer Proposal - Brampton?

A Consumer Proposal is a legally binding agreement offered by the federal government that significantly reduces the amount of debt you owe to your creditors. A consumer proposal is a popular alternative to bankruptcy as it consolidates and reduces the total amount of debt you owe, stops accumulating interest charges, stops wage garnishment, stops legal action, provides relief from collection calls and allows you to keep your assets.

At David Sklar & Associates we will help you every step of the way through the proposal process to present the best offer possible to your creditors. After your proposal is accepted by your creditors you will be asked to make monthly payments for up to 5 years, that are based on your income, expenses, assets and what you can afford to pay. The proposal is a fair solution for everyone involved. Speak to our Licensed Insolvency Trustee in Brampton first to understand all of your options.

Personal Bankruptcy – Brampton

We understand that most of the people we help never imagined they would find themselves in such a difficult financial crisis. Most of the people we work with tend to be hard-working, honest people who, often for reasons beyond their control, are simply not able to pay back their debts.

Before we recommend personal bankruptcy, we work closely with you to see if any other debt repayment options can be used as an alternative, like a Consumer Proposal. Only when we are satisfied that personal bankruptcy is in your best interest, do we recommend this process. Speak to our Licensed Insolvency Trustee in Brampton first to understand all of your options.

Debt Consolidation – Brampton

We’ve all seen the ads claiming how a debt consolidation loans can get you out of financial trouble and reduce your monthly payments. Yet, you should know there can be significant risks with this approach.

If you have missed even one payment or received a collection call, it may be too late to qualify for a bank loan. To get a debt consolidation loan from a bank, you will need a spotless credit history, steady income, equity in your home or a co-signer.

If you use the equity in your home and are unable to make the payments, you could lose your home. Frequently, people who take out debt consolidation loans don’t know about the hidden high interest fees and find themselves in even more debt than before.

Speak to our Licensed Insolvency Trustee in Brampton first to understand all of your options.

Income Tax Debt

Income Tax debt can be a difficult challenge to overcome. Our Licensed Insolvency Trustee’s in Brampton help people who are overwhelmed by their debt load and have fallen behind filing their Income Tax. We can help negotiate with Revenue Canada to accept a reduced amount on your outstanding taxes and put a stop to the interest charges and penalties.

During your free consultation, we will discuss all your options and help you prepare the required documentation. This will include getting your Income Tax reporting up to date. We will then speak to CRA on your behalf and request a reduction to your unpaid taxes.

The results of filing vary from situation to situation, but our experience has been that Revenue Canada is reasonable in its handling of people looking to resolve their debts and not avoid financial responsibilities.

Student Loan Debt

Managing your Student loan debt is important. If you decide to declare bankruptcy seven/or more years after you have ceased to be a student (part/full), your student loans will be eligible for discharge.

Speak to our Licensed Insolvency Trustee in Brampton to review your current financial situation they will provide you will all the options available to help get you out of debt.

Our commitment to you

At David Sklar & Associates, our team is here to help you every step of the way. We not only explain every option available to you, we also give you the tools to help rebuild your wealth. Speak to one of our licensed debt professionals today. Let us show you there is hope and a way to financial freedom! The calls will stop, the stress will disappear, and you can start focusing on your future!

Brampton Location