About us

Solving debt problems for individuals and businesses since 1978.

You dream of being debt free. We make it happen.

Kunjar Sharma & Associates Inc. (KSAI) is a firm of federal government licensed Consumer Proposal Administrators and Licensed Insolvency Trustee practising in Ontario.

Our focus is on helping those individuals, families and business owners that need assistance in restructuring their finances or require the services of a Licensed Insolvency Trustee.

- Our approach makes finding financial solutions tailored to your needs easy
- Our team includes LIT’s, CPA’s, lawyers and industry specialists.
- Our 40+ years of experience – 99% of proposals are accepted by creditors
- We speak your language and treat you with respect
- We answer the financial questions that may appear hidden or unclear
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Years of Expertise
As an essential service Kunjar Sharma & Associates Inc. remains open and here for you during this COVID-19 emergency. We understand that there is a pandemic happening – that is why Kunjar Sharma & Associates Inc. is taking extra precautions to ensure the protection of our employees and people who need our services. Appointments can conveniently be arranged either by telephone, video call or in-person at our offices. Forms and documents can also be arranged to be received or issued for signing remotely electronically. Your well being and safety is our primary concern. Contact us today.
Our Expertise

Debt Relief Services Provided by Licensed Insolvency Trustees in Toronto

01
Consumer Proposal
Consumer Proposal gives a debtor or a bankrupt an opportunity to make a settlement with his/her creditors while avoiding bankruptcy.
02
Personal Bankruptcy
Bankruptcy provides immediate financial relief to individuals and busines owners with financial problems by stopping legal actions by creditors.

03
Credit Counselling
Our qualified and registered financial counselors are federally licensed and bring in-depth experience to individuals and family members.
04
Corporate Proposal
Our consulting advisory service is suited for the independent business owner, financial institution lender or private debt and equity provider.
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Our Story

Here to help individuals, families and business owners to manage their financial challenges since 1978.

Kunjar Sharma & Associates Inc. (KSAI) is a Consumer Proposal Administrator and Licensed Insolvency Trustee Firm in Toronto. Our focus is on helping those individuals, families and business owners that need assistance in restructuring their finances or require the services of a Licensed Insolvency Trustee in Toronto.

As the “Go to” firm for individuals and small-businesses, our 40+ years of experience, obtained while filing more than 4,000 proposals, enables us to offer in-depth knowledge and professionalism in addressing all aspects of your financial challenges.
Business Support

Corporate and Business Solutions

KSAI Restructuring (division of Kunjar Sharma & Associates Inc.) carefully evaluates and acknowledges your business concerns.  Our approach to each situation is structured to provide for an innovative outcome and creative financial solution.

Communication with stakeholders is emphasized to achieve results that are appropriate and fair under the circumstances.

Examples of where we can help:

Closing/shutting-down an unprofitable business
Addressing government sales and payroll tax remittance arrears, income tax reassessments, and payroll and bank account garnishments
Resolving legal actions and landlord issues
Mediating shareholder disputes
Recovering secured creditor debt
Our experienced and capable Licensed Insolvency Trustees in Toronto can play a critical role in achieving a workable strategy to resolve business concerns.

Business Solutions include:

Corporate Proposals that provide for reduction in debt and extended payment plans without interest or penalties. Proposals can address potential director liabilities to eliminate the impact on personal finances and credit rating.
Corporate Bankruptcies to close or shutdown a business – represents an efficient and organized process for responding to creditors where there are insufficient assets to repay debt in full.
Receiverships – private appointments by secured creditors or through the Court to realize on debtor assets and distribute proceeds.
Companies Creditors Arrangement Act (“CCAA”) – provides for restructurings of corporations in situations where there is more than $5 million in debt.
Contact us today to start the process.  Meetings can be held by telephone or video conference.  In-person meetings can be scheduled as required.

Happy Clients

What Our Customers Are Saying

Samuel W
I just wanted to thank you again for helping me sort out my debt situation. Since first meeting with you back in June, you have guided me through the trustee situation and helped me back on my road to credit…
Asad R
Thanks for all your help with my consumer proposal. Your explained my options very clearly in a non-judgmental way and helped guide me through the process very professionally. I really feel you and your staff have helped me have a…
George K
When I was bankrupt and had no one to turn to, with all my creditors breathing down my neck, Kunjar Sharma & Associates Inc. stepped up for me and helped represent me in every facet of my bankruptcy process....
Gavin G
Remember when you bought me lunch, and I was considering options for my business and financial situation? I feel that was a turning point for my career and I was able to transition the business, get back into the corporate...
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Business Support

Your dream of being debt free. We can make it happen!

Team of licensed insolvency trustees in Toronto providing expertise, guidance and, solvency solutions to businesses and individuals for over 40 years

Licensed Insolvency Trustee in Toronto
Consumer Proposal Administrator

Consultations and Meetings in your Home by Telephone or Video Conference
Evening and Weekend Appointment Available!
Flexible Payments Options!
We Speak Over 10 Major Languages!
CALL US: (416) 975-0910
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We offer a thorough situational analysis and deploy a cost-effective, creative and timely solution for achieving successful outcomes. Our team’s diverse cultural backgrounds bring a heightened sensitivity and understanding of specific cultural values to client issues thus providing for a greater level of personal attention and tailored solutions.

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