Sheriff Sole & Madej

Sheriff Sole & Madej 🇨🇦 Licensed Insolvency Trustees
đź“ŤServing Ontario and Alberta
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08/27/2026

What happens to your debt if you suddenly stop working?

When your income changes, keeping up with the same monthly debt payments can quickly become difficult.

You may be able to contact your creditors directly and explain your situation. In some cases, they may offer temporary payment relief.

But if the debt is no longer manageable, speaking with a Licensed Insolvency Trustee can help you explore more structured solutions based on your new financial reality.

Losing your income doesn’t mean you have to figure out the debt alone.

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

People think calling a trustee means they’re about to file for bankruptcy.It doesn’t.A consultation is exactly that, a c...
08/26/2026

People think calling a trustee means they’re about to file for bankruptcy.

It doesn’t.

A consultation is exactly that, a consultation.

You explain what’s happening.
We review your debt, income, expenses, assets, and circumstances.
You ask questions.
We explain the options available.

Then you decide what makes sense for you.

You don’t need to wait until you’ve missed every payment or received a collection notice to start asking questions.

Sometimes getting information earlier is what gives you more control.

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

08/25/2026

Self-employed and missed a CRA tax instalment?

It can feel manageable at first. You tell yourself you’ll catch up next quarter.

But once one payment is missed, the next tax instalment is already approaching, and the amount owing can quickly become difficult to manage.

This is one situation where waiting can make the problem much harder to solve.

Think of a Licensed Insolvency Trustee like a dentist for your finances. The goal is to address the problem before the pain gets worse and help you understand the options available.

If you’re self-employed and falling behind on your tax obligations, don’t wait for another quarter to pass.

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

Your mortgage payment might not be the debt causing the most pressure.You may be keeping your mortgage current while car...
08/24/2026

Your mortgage payment might not be the debt causing the most pressure.

You may be keeping your mortgage current while carrying thousands on credit cards and lines of credit.

Then every month becomes a balancing act between protecting your home and keeping up with high-interest debt.

For homeowners struggling with unsecured debt, there may be options that allow you to address that debt without automatically giving up your home.

Your situation needs to be reviewed individually.

Before assuming you have no options, speak with a Licensed Insolvency Trustee and understand the full picture.

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

08/20/2026

Are you spending more each month than you earn?

It’s one of the first things we look at when reviewing someone’s financial situation.

When more money is consistently going out than coming in, the difference often ends up on credit cards, lines of credit, or other forms of debt.

Over time, that gap gets harder to catch up on.

Understanding where the shortfall is happening is the first step. From there, a Licensed Insolvency Trustee can help you understand what options may be available.

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

OntarioFinance

What actually changes when you file a Consumer Proposal?Instead of trying to manage multiple unsecured debts, you’re wor...
08/19/2026

What actually changes when you file a Consumer Proposal?

Instead of trying to manage multiple unsecured debts, you’re working with a structured legal solution.

Interest on included debts stops.
Collection action on included unsecured debts is generally stopped through the stay of proceedings.
You make an agreed payment based on your proposal.

And for many people, the biggest change is finally knowing what they’re working toward each month.

A Consumer Proposal isn’t right for everyone, but understanding how it works could completely change the way you look at your debt.

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

08/18/2026

One of the most common patterns we see is people waiting too long to ask for help.

They know something is wrong financially, but they keep thinking they can fix it on their own.

So they keep making payments.
They keep trying to catch up.
They keep hoping next month will be easier.

By the time they reach out, they are often much more stressed than they needed to be.

You do not have to wait until debt feels completely out of control.

Speaking with a Licensed Insolvency Trustee earlier can help you understand your options while you still have more room to make decisions.

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

You’ve made every minimum payment. So why is your credit card balance barely moving?High-interest debt can keep people p...
08/17/2026

You’ve made every minimum payment. So why is your credit card balance barely moving?

High-interest debt can keep people paying for years while making very little progress on the actual balance.

That’s when “keeping up” stops being the same thing as getting ahead.

If you’re paying every month but don’t see a realistic end to the debt, it may be worth exploring other options.

A Licensed Insolvency Trustee can review your situation and explain whether a Consumer Proposal, bankruptcy, or another solution makes sense for you.

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

08/13/2026

What happens when debt is ignored for months, or even years?

The balance grows as interest continues to accumulate.

But the stress grows too.

It can affect your sleep, your relationships, your focus, and your overall quality of life.

The longer debt sits unresolved, the heavier it can become financially and emotionally.

Speaking with a Licensed Insolvency Trustee can help you understand your options before the situation gets worse.

Knowing what solutions are available can be the first step toward getting back in control.

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

Back-to-school season has become one of the most expensive times of the year.School supplies.New clothes.Sports registra...
08/12/2026

Back-to-school season has become one of the most expensive times of the year.

School supplies.
New clothes.
Sports registration.
Lunches.
Transportation.
Technology.

For many Ontario families, August brings thousands of dollars in extra expenses.

When those costs end up on credit cards year after year, the financial pressure continues long after September begins.

Providing for your family shouldn’t mean falling further into debt.

If you’re feeling overwhelmed, there may be options that can help create more room in your monthly budget.

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

Address

2001 Sheppard Avenue East, Suite 120
Toronto, ON
M2J4Z8

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