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Consumer Proposal


Credit Counselling

Read Our Google Reviews. Our Clients Are Our Best Advocates.

Read Our Google Reviews Below. Our Clients Are Our Best Advocates.

At Sheriff Sole & Madej Inc. we are ready and motivated to help you today.  We’ll take the time to carefully review the details of your current financial situation, and recommend solutions that will help you get the debt relief you require.  Our Free Consultation can be on the telephone or in one of our offices across Ontario and the GTA

How can we help? We’ll negotiate on your behalf and the savings could amount to as much as 50% to 75% of your total debt owing. You will stop paying interest immediately and we’ll lower your payment to one easily managed monthly payment.

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Our Fees Are Government Regulated, But Our Service Is Exemplary

Most people do very little about their debt problems until it’s too late. At Sheriff, Sole & Madej Inc. we understand how it feels to be in debt because we’ve worked with thousands of people over the years in various states of financial stress.

We want you to know that it doesn’t have to be that way. We value your trust and consider our relationship with you of utmost importance. We’re a different kind of Licensed Insolvency Trustee company for one very good reason: WE CARE!

Consumer Proposal may be the best option and is an alternative to bankruptcy. It is a debt relief option which is a legally binding, negotiated debt settlement which allows you to make an offer to your unsecured creditors to settle the amount owed to them.

When you save 50% to 75% of your debt amount it’ll make your monthly payments a breeze. Your minimum monthly debt payment is lowered, the interest on your debt is frozen and your assets are protected. This lowers the total amount of your debt allowing you to pay it off quicker. As long as you owe less than $250,000 (this amount would exclude the mortgage on your home) you would be able to file a consumer proposal.

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.

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 service is offered as part of the bankruptcy or consumer proposal process.

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3 Best Rated - Bankruptcy Trustee

We're Ranked TOP 3 Bankruptcy Trustees Toronto

It’s Not Always Easy to Reach Out For Help.  But When You’re Ready…

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NexToronto WordPress & Internet Marketing
NexToronto WordPress & Internet Marketing
16:44 19 Dec 17
If you're having debt problems and want piece of mind call Sheriff Sole & Madej Inc. They are extremely helpful and very professional.
Michael Meyer
Michael Meyer
07:14 01 Oct 17
If you are having debt problems, call them. They will help you get rid of all your debts. The best part is that their fees are already included in the monthly payment.
Ed Hammond
Ed Hammond
06:26 03 Sep 17
We can’t thank Sheriff Sole and Madej team enough. Transparent and non-judgmental company. Cristina answered all of our questions patiently and made this process stress free!
Timothy Pass
Timothy Pass
19:08 04 Aug 17
After losing my job I was no longer able to pay my bills and ended up with a huge debt load. Katherine was very knowledgeable and patient. She answered all my questions and helped me deal with my financial situation. I am now in a proposal and make only one low monthly payment. Thank you Katherine!
Adam Hale
Adam Hale
17:31 28 Jun 16
I've been working with Sheriff Sole & Madej Inc. for the past 1.5 years. Before that I spent 7 years going through different Trustee's & "Debt Guys" in Ontario. Sheriff Sole & Madej Inc. have changed my outlook on Trustee's. They don't make my clients feel uncomfortable. They don't make me look bad when referring them business. They respect us! Those are keys when working together with clients that are usually in a tough spot. Trust me, the creditors will be just fine...
Artem A
Artem A
16:58 24 Jun 16
Knowledgeable staff that is a pleasure to work with. Sheriff Sole and Madej provides a welcoming environment for clients to resolve even the most challenging of credit situations. All available solutions are explained in great detail, and client satisfaction is clearly a priority for the firm.
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