GET A FRESH START &
BECOME DEBT FREE
We do more than simply reduce and eliminate debt. We are here to help YOU!
For over 20 years our Licensed Insolvency Trustees and dedicated team have
been helping clients reduce their debts.
Get in touch with us, if you are ready to discuss your debt.
Call Toll Free 1 (844) GTA-DEBT (482-3328)
Sign up for a FREE and confidential consultation
Consumer Proposal vs Bankruptcy
Which is right for you?
Our experienced and professional team will provide you with a personalized debt relief solution.
We have various offices throughout the GTA and speak over 7 different languages.
Debt Solutions
Do you want to reduce your credit card debt / bank loans ?
If you are having trouble making your monthly minimum payments one of our Licensed Insolvency Trustees can help you become debt free.
Are you a student ?
Are you overwhelmed with your high student debt loan and unable to manage the monthly required payment? Our debt relief services can provide you with a fresh start.
Has someone started legal action against you ?
If a creditor has started or threatened legal action against you due to a default in payment we can help stop these proceedings.
Do you need help protecting your family home ?
Are you worried that creditors are taking action against your home. Our Bankruptcy or Proposal services may be an option for you.
Are you struggling to break the Pay Day loan cycle ?
Do you have a pay day loan that you cannot manage due to the high interest rates? Are you struggling to break the pay day loan cycle? Debt relief is a phone call away.
Are you being garnished ?
If your wages are being garnished by credit card companies, pay day loan lenders, collection agencies or Canada Revenue Agency. We can help, call us today.
Stop Collections Calls
Receiving demanding and often intimidating collection phone calls can be stressful and often overwhelming. We understand how that can affect your life. A debt relief solution is available to stop these calls.
Are you self-employed ?
Have you been reassessed by Canada Revenue Agency for income taxes or HST? Are you having difficulties dealing with tax owing to the government? Need tax solutions. We can help.
Paving the Road to Debt Freedom
Reduce Your Debt
A consumer proposal is a debt relief option which allows individuals to consolidate their debts into one monthly interest free payment. It is a legal binding process between you and your creditors to repay a portion of what is owed. A Licensed Insolvency Trustee will negotiate with the creditors on your behalf to reduce the amount of debt owed. The amount of debt to be repaid is based on your income, assets and total debt load.
Restructure Your Debts
The debt consolidation loan option allows you to combine your debts into one loan with a lower interest rate. This option is available through a bank or a financial institution. In this option you would pay off the amount owing to your creditors in full while getting a new single monthly loan payment. Debt consolidation however will only reduce your interest payment and your overall amount owing is not reduced or eliminated.
Eliminate Your Debt
A Bankruptcy is a legal process that can only be filed through a Licensed Insolvency Trustee. It is another debt relief option that can help individuals deal with their financial problems. In general, if your debt load is very high, your income is limited and you have no assets or minimal assets, then the bankruptcy option is likely the best course of action to follow.
Budgeting
Credit counselling is an option where you would be able to meet with one of our certified credit counsellors to discuss your fixed living expenses and required monthly bill payments. We would discuss strategies and techniques to help you better manage your monthly financial plan. This option does not reduce or eliminate your debt.
A corporation becomes insolvent when it’s unable to pay its debts; these can include suppliers, financial institutions, lease payments. The corporation can file for bankruptcy or make a proposal to its creditors. The business may continue, be sold, or sometimes would have to be closed. A Licensed Insolvency Trustee can evaluate what is the best way to take care of the business debts as often they are personally guaranteed.
Over 10,000 Clients Helped
Our Licensed Insolvency Trustees
Paving the road to debt freedom has been our commitment for over 20 years. We take pride in finding the best debt relief solutions for each individual client, while considering their personal and financial circumstances. We aim to help each client find the most efficient and cost effective option to reduce or eliminate their debts.
About Sheriff Sole & Madej Inc.
We have helped over 10,000 individuals eliminate or reduce their debt. In over 20 years of practice our Licensed Insolvency Trustees and debt professional team have been committed to helping each client find the best solution that fits their needs. We believe in providing our clients with a clear picture of all of the available options along with the pros and cons of each option to make an informed decision.
We have 12 locations throughout the GTA with staff members that speak over 7 different languages.
Contact one of our Licensed Insolvency Trustees or debt professional staff members for a:
FREE in person consultation;
A complete assessment of your current financial position;
Discuss the options available to you to eliminate or reduce your debt problems.
Blog
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WARNING SIGNS OF FINANCIAL DIFFICULTIES While having debt is normal, it is very easy to find yourself with an unmanageable debt load. Most of the time, we miss the warning signs of financial difficulty and by the time we realize [...]
STRATEGIES TO CONQUER CREDIT CARD DEBT If you are struggling to pay your credit card balance in full you are not alone. In fact, the average Canadian has credit card debt of around $3,800. With high interest rates and with [...]
Our Locations
North York (Head Office)
2001 Sheppard Avenue East, Suite 120
Toronto, ON M2J 4Z8
Brampton
2 County Court Boulevard, Suite 400
Brampton, ON L6W 3W8
Pickering
1315 Pickering Parkway, Suite 300
Pickering, ON L1V 7G5
Barrie
92 Caplan Avenue, Suite 627
Barrie, ON L4N 9J2
Markham
7676 Woodbine Avenue, Suite 300
Markham, ON L3R 2N2
Mississauga
2 Robert Speck Parkway, Suite 750
Mississauga, ON L4Z 1H8
Mississauga Airport Road
5925 Airport Road, Suite 200
Mississauga, ON L4V 1W1
Hamilton
1 Hunter Street East, Ground Floor
Hamilton, ON L8N 3W1
Midtown Toronto
1920 Yonge St, Suite 200
Toronto, ON M4S 3E6
Vaughan
9131 Keele Street, Suite A4
Vaughan, ON L4K 0G7
Scarborough
10 Milner Business Court, Suite 300
Scarborough, ON M1B 3C6
Kitchener
55 King Street West, 7th Floor
Kitchener, ON N2G 4W1