Jason (Jay) Sklar, Estate Administrator. Being a Certified Insolvency Counsellor and a Certified Insolvency Administrator - Jay offers his clients the power of his knowledge, his years of experience and his genuine concern for his clients and the life challenges they are facing. He helps his clients feel hopeful again, teaches them how to manage their finances, and provides them with the tools that enable them to move on with confidence.

Jason Sklar, Estate Administrator at David Sklar & Associates - a company that helps people deal with financial problems - sees a growing number of young people in their 20s file for bankruptcy."A lot of people just have poor credit management," he said."They'll get credit cards with interest rates of 20 per cent," he said."They'll use it but can't pay (at the end of the month) and will get more credit cards to pay credit cards."Sklar said it's important for people to not spend every dollar they earn in case the unforeseeable should happen."It could be a separation, a car accident or you could lose your job," he said."These could all lead to (major financial problems)."He stressed the importance of reading over documents to avoid the use of credit cards unless it's necessary.

At her initial consultation with DSAI, Jessica carefully reviewed her financial situation with Estate Administrator, Jason Sklar - the highlights of which were: When Jason discussed all of her options, Jessica was relieved to find out that a Consumer Proposal would: stop the collection calls, reduce her debt load, and NOT put her into Bankruptcy. Working with Jessica, Jason prepared her Consumer Proposal, which DSAI then registered with the Office of the Superintendent of Bankruptcy; presented the terms to her creditors; and received creditor acceptance. Jessica's Proposal was to run for 60 months, during which time she would pay $275/month to DSAI, who would distribute the payment in accordance with the Proposal. At the end of the 60 months, if Jessica honoured the agreement, she would be freed of the debts covered by the Proposal (excluding the Student Loans*). Jason suggested the couple create an extremely-limited budget for their wedding and stick to it. Past experience had shown Jason that couples who began their marriage in a financially responsible way and continued to keep a family budget, stood a better chance of financial success. Although Jason did not receive an invitation to Jessica's very small and budget-wise wedding - he heard all about it at their next credit counselling session. During that meeting, Jessica also shared details on the family budget her and her new husband had set up and were following. At the end of 60 months, having honoured all the terms of her Proposal, Jessica was released from the unsecured debt covered by the Proposal (except the Student Loans*). She and her husband were then able to move on to the next phase of their marriage - confident in their ability to manage their finances.

During his first meeting with Jason Sklar, Estate Administrator - Tony was very clear. He wanted help to get out of his current mess and he wanted to learn how to 'get his financial act together'. A close examination of Tony's financial situation showed that he had: Together, Jason and Tony explored all of his options.