Licensed Insolvency Trustees in Windsor | Consumer Proposals & Debt Solutions
Free Debt Consultation in Windsor | Consumer Proposals & Bankruptcy
Debt Relief – Windsor, Ontario
Struggling With Debt in Windsor? We Can Help You Take Back Control.
Our team of Licensed Insolvency Trustees in Windsor can help you avoid personal bankruptcy with a consumer proposal. The sooner you reach out to us, the sooner you will regain control of your finances and free yourself from all that financial stress you’re living with.
You may be in a difficult position where creditors are harassing you or maybe you’re transferring money from one creditor to another to cover minimum payments.
Luckily, you’re in the right place for debt relief in Windsor.
David Sklar serves Windsor from our London office. Our Licensed Insolvency Trustees can help you avoid bankruptcy with a consumer proposal, with free phone and video consultations also available.
- Windsor, Ontario
| Monday – Friday | 8:30am to 5:30pm |
| Saturday | 9:00am to 1:00pm |
| Saturday – Sunday | CLOSED |
Start the conversation
Debt Relief in Windsor, starts here
In this video, Richard Sklar shares how our team helps clients escape the debt cycle with consumer proposals, bankruptcy guidance, and real-world money management advice.
Debts We Help Windsor Residents With
Whatever your situation, we’re committed to helping you get out of debt with your best interest in mind.
5 Debt Relief Options in Windsor
A consumer proposal is a federally regulated program. that lets you consolidate your debts into one affordable payment. With the help of a Licensed Insolvency Trustee, you can keep your assets, stop interest, and put an end to collection calls, all while paying only what you can reasonably afford.
Personal bankruptcy is a federally regulated process you should consider only after speaking with a Licensed Insolvency Trustee. Personal bankruptcy is a legal way to clear your debts when you can’t repay what you owe, giving you protection from creditors and a chance to start fresh.
A debt consolidation loan combines multiple debts into one payment, usually through a bank or credit union. It can help lower interest costs, but not everyone qualifies. For those with low credit scores, high-interest loans from third-party lenders can make debt harder to manage in the long run.
A debt management plan is an informal agreement to lower interest rates and make payments more manageable. You must repay the full amount you owe, and it doesn’t cover student loans or government debt. Since it isn’t legally binding, some creditors may not participate.
Credit counselling provides guidance, and strategies to help you take control. In a supportive setting, we’ll review your situation, explore your debt relief options, and show you how to budget, save, and manage credit more effectively. With the right tools, you can work toward lasting financial stability.
Calculate savings
Consumer Proposal - 0% Interest
Debt Consolidation Loan - 30% Interest
Do Nothing - 19% Interest
* Calculations above are made over a 5 year period at a rate of 80% savings. This calculator provides an estimate of the total savings you may receive when filing a consumer proposal. Actual results may vary. Your payments will depend on your income, assets, and debts.
Trusted support every step
Helping with compassion
We are a team of Licensed Insolvency Trustees (LIT) which means we can help you out of whatever financial difficulty you’ve found yourself in and we’ll do so with compassion.
No cost to you
Meeting with us is free. As federally regulated Licensed Insolvency Trustees, we offer trusted advice and legal protection, never commissions or upfront fees.
With you every step
We know how stressful, this can be, but you’re not alone. We’ll explain your options clearly, answer your questions, and guide you toward a brighter financial future for you and your family.
Certified licensed professionals
LITs are federally regulated by the Office of the Superintendent of Bankruptcy (OSB) and follow a strict code of ethics to ensure you get trusted support.
How Our Licensed Insolvency Trustees Help Windsor Residents
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 first to understand all of your options.
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 first to understand all of your options.
We’ve all seen the ads claiming how a debt consolidation loan 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 first to understand all of your options.
It’s stressful and overwhelming to carry large amounts of debt. Are you struggling to break the debt cycle? We can help you develop a better relationship with money.
Our team of Licensed Insolvency Trustees has been providing credit counselling in Ontario since 1997.
At David Sklar, we have Licensed Insolvency Trustees who have years of experience providing debt relief services to Ontario residents looking for a fresh financial start. Specializing in consumer proposal, bankruptcy, and credit counseling, our trustees will explain all your options and customize a debt recovery plan that’s manageable for your unique situation. Many of our clients are surprised to learn there are more options than bankruptcy or debt consolidation! Our experienced team of non-judgmental, knowledgeable, and caring individuals all have one goal—to help you regain control of your finances. Schedule a confidential appointment today. You deserve a fresh start.
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 to review your current financial situation they will provide you will all the options available to help get you out of debt.
Many people in Ontario have way too much credit card debt and find it difficult to manage even minimum payments. We can help you consolidate all your credit card debt, eliminate interest charges and reduce the total by up to 80%.
It’s not a loan, it’s a government-approved settlement plan that gives you a maximum of 5 years to complete your payments to creditors.
Income Tax debt can be a difficult challenge to overcome. Our Licensed Insolvency Trustee’s 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.
Payday loans are short-term loans that are not borrowed from banks. Instead, they are borrowed from private companies.
What makes payday loans so attractive to someone struggling to make ends meet is that they’re very easy to get. However, they can become a debt trap, since they are exempt from the 35% interest rate limitation. Therefore, the annual interest rate on a payday loan is close to 365% or higher if you miss payments.
We can help you determine the best option for you to help you out of the payday loan debt trap.
Your mortgage and car debt are both examples of secured debt. This means that when you borrowed money to pay for your house or your car, the bank loaned you the money because they could easily take the asset back if you can’t make your payments.
Is a consumer proposal right for you?
Consumer proposals are interest-free, so you may find it more manageable to cover your mortgage and car payments that way. Consumer proposals will not allow you to include secured debt (like your mortgage or car loans), but you will be able to reduce other forms of debt by up to 80%.
When you need or want an expensive item and interest rates are low, it’s hard to resist the temptation to take out a line of credit rather than waiting until you have enough saved up to make the purchase yourself. This cycle of borrowing instead of saving is very easy to fall into.
Do you have a line of credit, overdraft protection, or other personal loans that you’re trying to pay off? You may be struggling to come up with the payments. When you’re also paying for housing expenses, food, and clothing, those debts can quickly get way over your head.
(And we have all been there so we say this with no judgement!)
How does David Sklar serve Windsor?
David Sklar serves Windsor clients from our London office. Call +1-844-962-9200 to book a free, no-obligation consultation.
Who handles Windsor cases at David Sklar?
Windsor clients are supported by the staff at our London office. You can also meet the full David Sklar team on the Our team page.
When can I get debt help for Windsor?
Consultations are available Monday to Friday, with evening and weekend phone or video appointments by request. The first consultation is always free.
Is the first debt consultation for Windsor really free?
Yes. All initial debt consultations are completely free and no-obligation. There are no upfront fees, hidden charges, or commissions. You only pay the federally regulated trustee fees if you formally proceed with a consumer proposal or bankruptcy filing.
Can I file a consumer proposal or personal bankruptcy for Windsor?
Yes. Windsor is served from our London office, not a standalone Windsor address. Our Licensed Insolvency Trustees are authorized under the federal Bankruptcy and Insolvency Act to file both consumer proposals and personal bankruptcies for Windsor residents.
5,000+ Top-Rated Reviews
4.9 stars based on over 2800+ reviews
4.9 stars based on over 1600+ reviews
Getting into debt is easy
Getting out is a different story — but it’s possible
Did you know there is a debt relief program federally regulated by the Canadian 🇨🇦 Government, designed to help you avoid bankruptcy? This program can only be administered by a Licensed Insolvency Trustee (LIT).
If you’re struggling to make payments and creditors won’t stop calling, we can help you with a consumer proposal.
Here to help you
Our federally 🇨🇦 regulated team of Licensed Insolvency Trustees in Ontario can help you get out of debt and in control of your own financial future.
We’ve helped thousands of people and we can help you too.
We know this is stressful, but you’re not alone
This page is served by the David Sklar London office, which supports Windsor clients. Last reviewed: May 2026