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Our Services


At Sheriff Sole & Madej Inc., we are dedicated to providing comprehensive and expert assistance across a range of financial challenges. Contact us today to discuss your specific needs and explore the solutions that can help you achieve financial stability.



At Sheriff Sole & Madej Inc., we understand that the process of bankruptcy in Canada is a significant and complex undertaking. With our expertise and experience, we guide individuals and companies through this challenging process. We recognize that this can be a stressful time for you, but we assure you that we will handle your situation with the utmost confidentiality and ensure that you understand your rights. Whether you require assistance with personal bankruptcy or help for your company, we are here to provide the answers and support you need.


Choosing a consumer proposal in Ontario is often a wise decision, as it typically has a less severe impact on your credit compared to bankruptcy. Essentially, a consumer proposal allows you to consolidate your debts into a single monthly payment. The process is administered under the Bankruptcy and Insolvency Act by a Licensed Insolvency Trustee.  In most cases, your overall debt is reduced by 75%, As experts in consumer proposals, we encourage you to reach out and start a conversation about how we can help you explore this option.


When credit card debt and other high-interest loans become overwhelming, debt consolidation can be a beneficial solution. By consolidating your debts, you can combine them into one manageable monthly payment with a lower interest rate. The difference between paying 7% interest on a consolidation loan and 28% interest on a credit card can lead to substantial savings over time, potentially saving you thousands of dollars. While you will still pay the full amount of your debt, debt consolidation can significantly help you manage your monthly payments. This option is not administered under the Bankruptcy and Insolvency Act and does not require a Licensed Insolvency Trustee.


In today's economy, many individuals are unprepared for the financial obligations they face. Financial literacy is often lacking in our education system, and open discussions about money are often considered taboo. As certified credit counsellors, we understand that many people struggle with managing their financial obligations. Our team is here to help you learn effective money management strategies and improve your financial well-being. Reach out to us, and together we can develop a solid budgeting plan tailored to your needs.


Businesses are not immune to accumulating debt, and statistics show that the majority of companies do not survive their first five years due to financial challenges. Cash flow issues can lead to mounting debt and interest payments, overwhelming even the most promising ventures. Our bankruptcy trustees specialize in evaluating the best course of action for businesses facing financial difficulties. We can help you navigate through corporate debt and explore options to alleviate the burden.


The Canada Revenue Agency (CRA) collections department can be relentless in pursuing unpaid debts from individuals and businesses alike. Dealing with the CRA can be daunting, but our team is well-versed in handling the complexities of CRA collections. We encourage you to have a conversation with us to understand the crucial rules and strategies for managing the CRA


Our Approach is Straightforward and Confidential.

Decide Today’s the Day

We can quickly resolve your situation, but the first step needs to come from you.

Get in touch with one of our knowledgeable experts today.

We specialize in money management and have been resolving debt issues for several years.

Breathe Easier

Take a deep breath and relax knowing that once we have a plan in place, you will be able to resume living your life.


Comparison of solutions available to you:



Terms of Proposal:  5 Years  divided into 60 monthly payments. You keep your assets. Record Period: 3 Years from last payment.​ 


Dealing with debt can be daunting and confusing, especially when bankruptcy is not an option. However, there are alternatives, such as a Consumer Proposal,  that can be tailored to your situation.


CalendarLength of Administration: 9-36 months | Record Period: 6 years if first bankruptcy | 14 Years if second bankruptcy​.


If you find yourself receiving daily calls from creditors, or if your salary earnings are being garnished at source, it may be time to consider filing for bankruptcy.


Debt Debt Consolidation Loans: A Smart Choice for Managing Your Finances when your struggling to manage multiple debts.


This type of loan can help you combine all of your debts into one affordable monthly payment, making it easier to manage and repay.


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