Debt Free Life

About Debt Free Life

Welcome to "Debt Free Life," a podcast dedicated to helping Canadians take control of their finances and eliminate debt. Presented by David Sklar & Associates, a supportive and caring team of Licensed Insolvency Trustees, we're committed to guiding you toward a brighter financial future. Join us as we explore a wide range of topics, including Consumer Proposals, Credit Counselling, Division 1 Proposals, Personal Bankruptcy, Debt Consolidation, Student Loans, Money Management, Protection from Creditors, Income Tax Debt, Wage Garnishment, Budgeting, Saving, and so much more. Our knowledgeable and compassionate team shares insights and strategies to empower you with the tools you need to make informed financial decisions. At "Debt Free Life," our mission is to provide education and support as you navigate the world of insolvency. Tune in to start your journey toward financial freedom and a debt-free life.

Publisher

Richard Sklar

Category

education

Language

en

Explicit

No

First episode

15 Mar 2021

Latest episode

8 Oct 2025

Latest episodes

8 episodes in the feed.

1. 

   8 Oct 2025

   The Risks of Co-Signing a Loan | What You Need to Know Before You Sign

   If you’ve ever co-signed a loan for a family member or friend, you might think you’re just helping them get approved — but what happens if they stop paying or file for bankruptcy? In this episode of Debt Free Life, Licensed Insolvency Trustee Richard Sklar from David Sklar & Associates explains the financial, legal, and credit risks that come with co-signing a loan in Canada. You’ll learn what happens to co-signers when the borrower declares bankruptcy or files a consumer proposal, why yo...

2. 

   2 Jun 2025

   What Happens to Your Debt When You Die in Canada?

   Licensed Insolvency Trustee Richard Sklar explains Canadian debt management after death, clarifying who pays and how to protect loved ones from financial strain in this interview episode.

3. 

   3 Oct 2024

   Who Will Know That I’ve Declared Bankruptcy?

   This episode explores Canadian bankruptcy laws, revealing who receives notification and clarifying the level of privacy involved in the process.

4. 

   12 May 2021

   What is a Consumer Proposal and how can it help me with debt?

   Industry experts explore consumer proposals as a debt solution in Ontario, offering an alternative to bankruptcy and a path to consolidating debts.

5. 

   28 Apr 2021

   Can I Apply for Credit During a Consumer Proposal?

   This episode explores the effects of a consumer proposal on credit ratings and the ability to obtain credit cards afterward, offering insights into managing credit during debt repayment.

6. 

   29 Mar 2021

   The emotional impact debt has on peoples lives

   Certified Insolvency Counsellor Shirley Sklar explores the significant emotional toll of debt, including stress, anxiety, and impulsive decision-making, in this interview episode.

7. 

   22 Mar 2021

   How to overcome debt - Common mistakes people make with their finances

   This episode explores common financial mistakes, such as misusing credit and lacking a financial plan, that hinder debt freedom.

8. 

   15 Mar 2021

   Get to know David Sklar & Associates

   David Sklar of David Sklar & Associates describes the firm's insolvency services and elucidates how they assist individuals grappling with debt challenges in this interview.

Who has been a guest on Debt Free Life

Names identified in recent episode analyses. Showing up to five guests.

• Richard Sklar
• Industry experts
• Shirley Sklar
• David Sklar

Reach and audience

Public platform figures. Ratings count people who left a rating, not total listeners.

YouTube views

3,458,508

Score snapshot 15 Sept 2025

Podcast Authority Score: 20 / 100

A composite of feed quality, social presence, YouTube performance and engagement. Read the methodology.

Quality

5

Social presence

0

YouTube

86

Engagement

0