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
Our Licensed Insolvency Trustee Team

Big Firm Expertise with Small Firm Flexibility

We are one of Ontario’s largest family-owned firms based on volume specializing in the debt and credit industry. We are a 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, Korean, Ukrainian and English, to name a few languages.

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.

Book Your FREE Consultation Today!


We speak:

  • Cantonese/ 廣東話
  • Hindi / हिंदी
  • Korean / 한국어
  • Mandarin / 普通话
  • Nepali / नेपाली
  • Russian / русский
  • Tamil / தமிழ்
  • and More!

CONTACT US! – click here or give us a call at 416-975-0910. We are more than happy to help!

Consumer Proposal

Consumer Proposal Toronto

Consumer Proposal

A consumer proposal can result in as much as a 70% debt reduction.

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Personal Bankruptcy

Personal Bankruptcy


Bankruptcy is a legal process that provides immediate financial relief to individuals with financial problems by stopping legal actions by creditors.

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Credit Counselling

Credit Counselling

Credit Counselling

Our Licensed Professionals will help you explore your debt relief options.

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Business Solution

Corporation Proposal Kunjar Sharma

Business Solution

We provide a full range of advisory services for debtors, creditors and other stakeholders

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Meet Our Team

Kunjar Sharma, MBA, PhD, CIRP - Trustee

CEO & President  

Kunjar Sharma has been providing expertise, guidance and solvency solutions to Canadian businesses and individuals for over 35 years. Kunjar is a former President of the Ontario Association of Insolvency and Restructuring Practitioners, and a founding member of the Canadian Association of Insolvency and Restructuring Practitioners. He was named the Honorary Consul General to Canada for Nepal in 1993.

Gregory Judd, CPA•CA, CIRP – Trustee

General Manager

An executive with experience in business development, finance and operations, Greg is a Chartered Accountant, Canadian Insolvency and Restruction Professional and Licensed Insolvency Trustee since 1997. Greg is equally comfortable handling consumer and corporate insolvency, and his business acumen extends to corporate consulting, including asset evaluation and cash flow analysis.

Uwe Manski, FCPA, FCA, FCIRP

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.

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.

Jenna Li, CPA (IL), CIRP – Trustee


From years of work in the insolvency and restructuring industry, Jenna Li has in-depth experience of both consumer and commercial proceedings. Jenna became a Licensed Insolvency Trustee in 2015. She also holds a Bachelor’s Degree of Management in Information Systems and is a Certified Public Accountant in the United States. Being considerate and detail-oriented, Jenna enjoys working to provide the most effective and efficient solutions to debtors and creditors.

Roger Groves

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 positive renewal possible. He is the firm’s representative at Bankruptcy Court proceedings where the resolution of debtor/creditor disputes is solved. Roger is also a CAIRP Certified Insolvency Counsellor and registered with the Office of Superintendent of Bankruptcy.

Amit Upadhyay

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 is fluent in Nepali, Hindi, Arabic and Bengali and provides a comforting presence for visitors. He has completed the CAIRP Certification as a Credit Counsellor and enjoys assisting clients in their search for practical financial solutions.

Judy Tong

Estate Manager

A CAIRP Certified Insolvency Counsellor, Judy has been working with KSAI since 2007. Over the years she has embraced more challenging roles and enjoys, “Exploring the various options available to our clients, and seeing how the best solutions change their lives.” Confident and caring, Judy is fluent in Cantonese, and enjoys photography and traveling.

Roma Dobby

Estate Manager

Involved in the insolvency business since graduating from Durham College in 1981, Roma has been part of KSAI since 2011. A CAIRP Certified Credit Counsellor, Roma most enjoys “dealing with clients and taking them through the process.” Fluent in Ukrainian, Roma takes great pleasure singing in a Ukrainian choir as well as giving it her all at karaoke.

Varuniya (Saya) Chandrarajah

Varuniya (Saya) Chandrarajah profileEstate Manager & Insolvency Counsellor

A Certified Insolvency Counsellor and Insolvency Administrator with over 10 years of experience, Varuniya has been with Kunjar Sharma & Associates since 2013. Fluent in English and Tamil, Varuniya looks forward to working with clients and helping them take the next step forward towards a brighter financial future.


TOO MUCH DEBT? Arrange for a free consultation today by contacting our office at 416 975 0910 or by email at
Contact Us Today!