Sheriff Sole & Madej

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Sheriff Sole & Madej 🇨🇦 Licensed Insolvency Trustees
đź“ŤServing Ontario and Alberta
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You’ve cut subscriptions.You’re eating out less.You’re watching every purchase.And you’re still falling behind.At some p...
09/30/2026

You’ve cut subscriptions.

You’re eating out less.

You’re watching every purchase.

And you’re still falling behind.

At some point, cutting another $50 from your monthly spending won’t solve thousands of dollars in high-interest debt.

When debt payments are consuming too much of your income, the conversation may need to shift from:

“What else can I cut?”

to:

“What options do I have for the debt?”

📲 DM
đź“ž 1-844-482-3328
đź’» trustee.ca

09/29/2026

Tax debt doesn’t have to keep following you year after year.

Tax debt owing up to the date of an insolvency filing can generally be addressed as part of the proceeding. Until then, CRA may apply certain benefits or credits against amounts you owe.

Dealing with tax debt sooner can help you understand your options and start moving forward financially.

Speak with a Licensed Insolvency Trustee about how CRA debt may be treated in your specific situation.

What happens to the portion of your debt you don’t repay in a Consumer Proposal?Once you successfully complete the terms...
09/28/2026

What happens to the portion of your debt you don’t repay in a Consumer Proposal?

Once you successfully complete the terms of your proposal, you are legally released from the remaining amounts of the debts covered by it, subject to debts that legally survive the process.

That’s one of the most important parts of understanding how a Consumer Proposal works.

The goal isn’t to keep you paying indefinitely.

It’s to create a defined path toward resolving eligible debt and moving forward financially.

📲 DM
đź“ž 1-844-482-3328
đź’» trustee.ca

09/24/2026

The biggest debt mistake? Waiting until things get worse.

If you’re starting to miss credit card payments, falling behind on income taxes, or reaching the end of every month with nothing left to put toward your debt, waiting another six months may only increase the pressure.

Speaking with a Licensed Insolvency Trustee earlier can help you understand options such as a Consumer Proposal or bankruptcy and determine what makes sense for your situation.

For a self-employed person, one missed CRA instalment can become a much bigger problem surprisingly quickly.You plan to ...
09/23/2026

For a self-employed person, one missed CRA instalment can become a much bigger problem surprisingly quickly.

You plan to catch up next quarter.

Then another instalment becomes due.

Now you’re trying to cover current taxes while paying what you already owe.

That cycle can become extremely difficult to escape.

If you’re self-employed and starting to fall behind with CRA, earlier is usually better when it comes to understanding your options.

📲 DM
đź“ž 1-844-482-3328
đź’» trustee.ca

09/22/2026

A Consumer Proposal is a legal agreement with your creditors.

In many cases, you make one monthly payment for up to five years.

If you miss three monthly payments, the proposal can be annulled, which is why the payment needs to fit your real budget from the start.

If your circumstances change, such as job loss or reduced income, speak with your Licensed Insolvency Trustee right away. There may be options to address the situation.

The goal is a payment you can realistically maintain.

📲 DM
đź“ž 1-844-482-3328
đź’» trustee.ca

You can earn a good income and still have a serious debt problem.A higher salary doesn’t automatically protect you from ...
09/21/2026

You can earn a good income and still have a serious debt problem.

A higher salary doesn’t automatically protect you from high housing costs, interest, family expenses, tax obligations, or unexpected life changes.

Sometimes the problem isn’t how much you earn.

It’s how much of that income is already committed before the paycheque arrives.

If you earn well but still feel like you’re constantly catching up, it may be time to look beyond your income and examine the debt itself.

📲 DM
đź“ž 1-844-482-3328
đź’» trustee.ca

09/17/2026

A Consumer Proposal gives you a clear path to debt relief.

Once you successfully complete your proposal terms, you receive a Certificate of Full Performance and the remaining eligible debt is discharged.

That means the process is complete, and you can move forward financially.

Your employer is not routinely notified just because you file a Consumer Proposal.

If you’re considering a Consumer Proposal in Ontario, speak with a Licensed Insolvency Trustee to understand your options.

📲 DM
đź“ž 1-844-482-3328
đź’» trustee.ca
FinancialRecovery

If you’re already carrying debt in September, December deserves a plan.The holidays can bring hundreds or thousands of d...
09/16/2026

If you’re already carrying debt in September, December deserves a plan.

The holidays can bring hundreds or thousands of dollars in additional spending at a time when many households are already stretched.

Waiting until January to deal with the aftermath can mean starting another year further behind.

Before the expensive season begins, understand what you owe, what you’re paying in interest, and whether your current repayment strategy is actually working.

If the numbers aren’t adding up, a Licensed Insolvency Trustee can help you understand your options.

📲 DM
đź“ž 1-844-482-3328
đź’» trustee.ca

09/15/2026

One of the advantages of a Consumer Proposal is that earning more later doesn’t necessarily mean paying more.

Your proposal is based on your financial situation when the offer is made to your creditors.

Once the proposal has been accepted, your agreed payments generally don’t increase simply because your income increases later.

Get a raise?
Earn a bigger bonus?
Start making significantly more next year?

That additional income generally doesn’t get added to what you owe under your Consumer Proposal.

It gives you the opportunity to move forward financially while continuing with the terms you already agreed to.

A Licensed Insolvency Trustee can help you understand exactly how a Consumer Proposal could work for your situation.

📲 DM
đź“ž 1-844-482-3328
đź’» trustee.ca

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2001 Sheppard Avenue East, Suite 120
Toronto, ON
M2J4Z8

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