More About Kunjar Sharma

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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Our Expertise

Big Firm Expertise with Small Firm Flexibility

We are one of Ontario’s largest family-owned firms specializing in the debt and credit industry. We are an independent boutique firm, not a satellite office of a national accounting firm nor part of any large organization.

We rely on the strength and broad reach of community and business based relationships to provide a foundation for continuing client referrals of friends and acquaintances to our services.

We Value Your Ethical Identity & Diversity

We understand ethnic identity, family and community groups! This understanding starts with our employees who come from diverse cultural backgrounds bringing an ability to communicate in Hindi, Chinese, German, Korean, Ukrainian and English, to name a few languages.

As a licensed insolvency trustee in Toronto, we are proud to serve one of the most diverse cities in the world. Our inclusive approach allows us to better connect with clients from all walks of life and offer solutions that reflect their unique circumstances.

We are progressive in our international approach.   KSAI is a host organization for students seeking international internship opportunities.  We also give back to local community groups through sponsorship of events and organizations including the Canadian Multicultural Association, South Asians in Ontario, and Nepalese Canadian Community.

Our approach is to cultivate flexibility and openness to problem solving which expands the range of solutions available.  Understanding a person’s background can help steer the resolution process to a successful conclusion.  Helping people is how we grow our business.
How Can We Help You? *
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Our Diversity
3D tiles of various national flags including the UK, Japan, EU, Finland, and the USA.

We Are Multicultural & Multilingual!

Licensed Insolvency Trustee who speaks your language:
– Cantonese/ 廣東話  
– Korean / 한국어                   
– Nepali / नेपाली                        
– Tamil / தமிழ்                       
– Hindi / हिंदी
– Mandarin / 普通话
– Russian / русский
– and More!
CONTACT US! – click here or give us a call at 416-975-0910. We are more than happy to help!
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.
Our Team

Meet Our Team

Kunjar Sharma, MBA, PhD, CIRP - Trustee
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CEO & President
Kunjar Sharma has been providing expertise, guidance and solvency solutions to Canadian businesses and individuals for over 45 years. Kunjar is a former President of the Ontario Association of Insolvency and Restructuring Practitioners (OAIRP), and a founding member of the Canadian Association of Insolvency and Restructuring Practitioners (CAIRP). He was named the Honorary Consul General to Canada for Nepal in 1993.
Gregory Judd, CPA•CA, CIRP – Trustee
Smiling man with glasses wearing a dark suit, white shirt, and patterned tie against a plain background.
General Manager
An executive with experience in business development, finance and operations, Greg is a Chartered Professional Accountant (CPA, CA), Canadian Insolvency and Restructuring Professional (CIRP) and Licensed Insolvency Trustee  (LIT) since 1997. Greg is experienced in handling both consumer and corporate insolvencies.  His accomplishments include corporate consulting, as well as asset evaluations and cash flow analyses.
Varuniya (Saya) Chandrarajah
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Estate Manager & Insolvency Counsellor
A Certified Insolvency Counsellor and Insolvency Administrator with over 10 years of experience, Saya has been with KSAI since 2013 and is fluent in Tamil.  Saya  looks forward to working with clients and assisting them in taking the next step towards a brighter financial future.
Roger Groves
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Assistant Vice-President
Resourceful and highly motivated, Roger has been active in the insolvency industry since 1991. He works closely with financially stressed individuals and businesses to implement creative solutions that make financial renewal possible. He is the firm’s representative at Bankruptcy Court where debtor/creditor disputes are resolved. Roger is also a CAIRP Certified Insolvency Counsellor and registered with the Office of Superintendent of Bankruptcy.
Amit Upadhyay
Smiling man in a checkered blazer, blue patterned tie, and white shirt against a plain background.
Assistant Manager – Operations
Amit has been with KSAI since 2010 assisting clients and maintaining a smooth workflow at the office. A native of Nepal, Amit services the Desi community and is fluent in Nepali, Hindi, Arabic and Bengali.  Amit earns top marks in Google reviews for his comforting presence in helping people understand and complete the insolvency process.   He has completed the CAIRP Certification as a Credit Counsellor.  Call and ask for Amit to learn more about practical financial solutions.
Judy Tong
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Estate Manager
A CAIRP Certified Insolvency Counsellor, Judy has been working with KSAI since 2007. Over the years she has excelled at all tasks entrusted to her.  Judy enjoys, exploring the various financial options available to our clients and seeing how our solutions can change their lives. Confident and caring, Judy is fluent in Cantonese, and enjoys photography and traveling.
Uwe Manski, FCPA, FCA, FCIRP, LIT
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Executive Director – KSAI Restructuring  – Corporate and Commercial Insolvencies
Uwe is a senior level insolvency and restructuring professional with over 30-years of expertise in creatively resolving highly complex financial, forensic, restructuring and recovery challenges for individuals, businesses and stakeholders.

Uwe is a Fellow of CPA Ontario, a Fellow CIRP, and has been President of both the provincial and Canadian Association of Insolvency and Restructuring Professionals having practiced as a Licensed Insolvency Trustee since 1976.

Throughout his career, Uwe has also acted as an investigative and forensic accountant and as an expert witness in insolvency Court proceedings. He is known for providing sage and practical advice to clients, and continues to be a trusted advisor to individuals and businesses facing financial problems.

How Can We Help?

TOO MUCH DEBT? Arrange for a free consultation today by contacting our office at 416 975 0910 or by email at info@kunjarsharma.com.

Contact Us Today!
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