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Overwhelmed By Debt Problems?’

Let Us Relief Your Debt Pressures!

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Let us assist you in your mother tongue!

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


  • $0 Upfront Cost with Free Consultation
  • 40+ Years of Experience
  • Speak 10+ Major Languages
  • 6000+ Proposal Filed with 99% Success Rate
  • Evening & Weekend Appointment Available
  • Flexible Payment Options Available

Debt Relief Services

Consume Proposal

Consumer Proposal gives a debtor or a bankrupt an opportunity to make a settlement with his/her creditors while avoiding bankruptcy.

Personal Bankruptcy

Bankruptcy provides immediate financial relief to individuals and busines owners with financial problems by stopping legal actions by creditors.

Credit Counselling

Our qualified and registered insolency counsellors are federally licensed and bring in-depth experience to individuals and family members.

We Value Your Ethical Identity & Diversity

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.

Big Firm Expertise with Small Firm Flexibility

Kunjar Sharma & Associates Inc. (KSAI) is a boutique insolvency service firm in Ontario specializing in debt solutions and formal or informal filing under the bankruptcy law and other legislation.

Helping People is How We Grow Our Business

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.


Office Hours

Monday to Friday:
9:00 am to 5:00 pm

Evenings and Weekends by appointments

Contact Us

GTA Offices

Head office: 120 Eglinton Ave E, Suite 707, Toronto, ON M4P 1E2

We Have Offices Across GTA! * 
*By Appointment Only

Client Testimonials

” 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. They helped prepare my Consumer Proposal and submitted them to the respective creditors. They even gave me some financial counselling sessions that are still proving to be helpful today.

Best of all, they got my creditors off my back which allowed me the peace of mind to work out my financial situation. I cannot thank them enough! Thank you KSAI! “

- George K

I  want 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 recovery.

You have been nothing but kind, informative and supportive of my situation. I now feel so relieved that everything is under control now.
I also want to thank all the courteous staff at KSAI too. You have all made this a most pleasant experience! I won’t hesitate to recommend your services to anyone who is in need – this was a 5-star experience!

- Samuel W

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

Talk To Our Licensed Insolvency Trustees

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