Debt Settlement Toronto

Debt Settlement Toronto

People looking for debt settlement in Toronto need to seriously consider getting some qualified advice.  This article will hopefully provide you with some solid advice on how debt settlement can significantly reduce your debt owing and finally give you peace of mind.

First, here are are the TOP 10 indicators that you require a debt settlement:

  1. Your credit cards are maxed out.
  2. You find yourself having to use cash to make purchases because your credit cards don’t work.
  3. You are feeling huge anxiety at the grocery store line up because you don’t know if your bank card will work.
  4. You experienced an unforeseen circumstance in your life which has interrupted your cash flow. It’s causing you high stress.
  5. You have sold things to catch up, but you’re running out of things to sell.
  6. You’ve borrowed from family & friends. But that option is no longer viable. You need to address the debt in a different way.
  7. You applied for and received a new credit card so you could pay off the old one.
  8. Your credit card payments are always late and you have huge concerns that you’ve sabotaged your credit score.
  9. The collection calls are getting more frequent and nasty. You’ve run out of excuses and choose to avoid the calls.
  10. Despite your best intentions and high integrity, your debt is spinning out of control. It’s time! You need help!

If you find yourself in one or all of the above situations, it’s time to take a deep breath and consider getting some real help.

Deep Breath

So, what can you expect from a debt settlement in Toronto with Sheriff Sole & Madej Inc.?

The first thing we tell our clients is, “please don’t worry.” We’re not here to judge you. Quite the opposite!  We are here to help you. You will meet with one of our qualified debt settlement professionals. Your information is safe and secure with us. Our goal is to help you find a solution and get you back on track.

  • Together, we will take a look at your financial situation. It perhaps is obvious that we have to review this, but we need to know where you are at. So we’ll ask you about your  monthly income, your monthly expenses, and accumulated debts.
  • We help you eliminate stress by focusing on what you can do, vs what you can’t do. For example: we’ll stop collection calls!
    We stop the interest accumulating on your debt.
  •  We lower your monthly payments.  The end goal is to give you ONE payment that is more manageable for you to succeed.
  • If applicable, we will enroll you in a Debt Settlement Program such as Consumer Proposal.  This gets you the debt help you need right now. We are more concerned about helping you get control of your finances.  We’ll help you with credit counselling and your debt settlement. We have several Toronto offices and 12 locations throughout Ontario. Choose the one closest to you.
  • The big goal is to help you rebuild your credit. We know it sounds basic but when bad things happen to good people, it’s easy to lose control of one’s finances. So, our job is to bring your budget back into alignment with what you can do. We also want to help you increase your savings, so you can live a debt-free/stress-free life.

When it comes to credit card debt, you need to know that it’s easy to fall into the credit card trap, as many others have done before you.  If you want a simple method to pay down your credit cards that actually works, please check out this article entitled credit card debt consolidation.

How do we handle credit card debt if it’s impossible to handle it on your own? We do this with all Major credit cards like MasterCard, Visa &  American Express. But we also do it with other credit cards like; The Bay, Home Depot, Lowes, Canadian Tire and many more.

What about overdue taxes?  If you cannot pay your taxes in full now, but you want to give it a go on your own, you can negotiate with the Government of Canada and the Province of Ontario for any outstanding taxes.  However, we have over 30 years experience doing this, you may get a better desired outcome if Sheriff Sole & Madej Inc represents you on this one. Click this link for more information about CRA Collections.

Your 3-Step Debt Settlement Toronto Action Plan

So, whether its credit card debt, CRA collections or past due car loans, here’s a simple 3-Step “take action” plan that we recommend:

Step 1

Open all your bills. Letting them pile up in the corner simply means they’re always on your mind.  We know it can be stressful to open them, but it’s a necessary “HAVE To” on the way to your “Want To’s.”

Step 2

Create 3 columns on paper or on a computer and enter your debts as follows:

Description (name of CC or debt) Total Amount Owing Interest Rate (%)
TD Visa 6,289 19.99
Car Loan 22,986 8.5

This list should include all of your debts including all credit cards, personal loans, student loans, cards, mortgage, taxes, etc.  Yes, this list also includes the money you owe family and friends.

Step 3

Reach out to us for help. We’ll ascertain the best plan to get you in control of this debt. We promise that you will feel like a huge weight is lifted from your shoulders.  It’s the uncertainty that is causing you pain. Once you have a plan, you’ll have certainty again. You’ll have an exact map to get you out of debt and rebuild your good credit rating.

Most people with bad debt are people that truly want to meet their financial obligations. They’ve tried everything. They tried to earn extra money with another part-time job, they sell items, they’ve borrowed to try and meet their obligations.  But we all know in life, emergencies happen. The unexpected happens. Bad luck happens. No one person plans to go into debt. That’s why we offer Debt settlement Toronto Services. We are there to support you through challenges.

Find the Best Sheriff Sole & Madej Inc Debt Settlement Toronto Location For You:

North York (Head Office)
2001 Sheppard Avenue East, Suite 120
Toronto, ON M2J 4Z8
Markham
7676 Woodbine Avenue, Suite 100
Markham, ON L3R 2N2
Midtown Toronto
1920 Yonge St, Suite 200
Toronto, ON M4S 3E6
Mississauga
2 Robert Speck Parkway, Suite 750
Mississauga, ON L4Z 1H8
Mississauga Airport Road
5925 Airport Road, Suite 200
Mississauga, ON L4V 1W1
Scarborough
10 Milner Business Court, Suite 300
Scarborough, ON M1B 3C6
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liz bliz
liz bliz
21:35 07 Jul 20
I have no words to say thank you to Cagla Bayam, and her team . Cagla spoke to me ,about my real choices and explain... ,in just a way that i understand everything,she make me understand and believe theres is a hope for recover and start over.I know it will be few more years but at least ,i know i have a direction to go,and i am learning as i go ,I have being going in every direction confuse ,neglecting my own health trying to pay debts . 3 jobs trying to pay fast without results. till the point of question life. Every collector were screaming,witch get me more stress. I felt really lost .So i see an ad off Sheriff Sole & Madej Inc and I apply I thought it was scam at first ,because she was listening,not imposing her words,no pressure, no rush, believe me as I type, I talk a lot even more when i am stress ,and there she was with all the patience in the world . It was too nice to be true.I keep telling her "I hope you real " But it is true,they are real professionals, she can help you or guide you. I want so bad to be debt free and able to have a day off. I recommend and encourage anyone that feel lost in debt to Email or call them, specially this branch in north york ,well this is the one i experience. I did this review because this was a door to be debt free that i though it will never open and that it wasn't for me. I am in the road to be debt free.and I hope anyone who read this is too Thank you so much. Everyone stay saferead more
Z N
Z N
22:43 23 Jun 20
Alexandra Morataya is hands down the most unprofessional person I have come across. She screwed up royally and instead... of owning up to it she ignores you and leaves you hanging for over a month. Tried getting ahold of Todd Sheriff and he too ignores messages. Looking into a lawyer as my credit score has gone down tremendously and for 2 months payments haven't come out due to their screw up. I wouldn't suggest this company/firm.read more
Raymond Joseph
Raymond Joseph
14:18 10 Jun 20
Due to poor monitoring and advice, I am left In debt after a bankruptcy. Incompetency has my discharge incomplete, 8... months after qualifying. What was supposed to be a 24 month solution, turned into a 5 year ordeal.read more
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.read more
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.read more
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!read more
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!read more
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...read more
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.read more
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