Consumer Proposal & Bankruptcy Sarnia: Local, Trusted Debt Relief Starts Here
If you’re searching for bankruptcy help in Sarnia, looking to speak with licensed insolvency trustees in Sarnia, or considering a consumer proposal, debt relief, or debt consolidation, you’re in the right place. Bankruptcy Canada connects you with compassionate, experienced professionals in your area who can help you make sense of your debt and take back control of your finances.
We partner with Sheriff Sole & Madej Inc., one of the most trusted insolvency firms in Canada, to deliver confidential, judgment-free consultations and customized debt solutions—right here in Sarnia.
Sheriff Sole & Madej Inc.
Sarnia, Ontario
1-888-533-0399
Free Consultations
Filing Bankruptcy in Sarnia: What You Need to Know
Sometimes, bankruptcy is the right answer. If you’re dealing with garnished wages, frozen bank accounts, or overwhelming debt, filing for bankruptcy in Sarnia may be the fastest and most effective way to reset your finances.
Our Licensed Insolvency Trustees (LITs) in Sarnia will guide you through:
- Whether you qualify for personal bankruptcy
- What happens to your home, car, and income
- How long bankruptcy lasts (typically 9–21 months for a first-time filer)
- What duties you must complete, including credit counselling
- How bankruptcy affects your credit and how to rebuild afterward
Filing for bankruptcy is a legal process governed by the Bankruptcy and Insolvency Act. It’s not a failure—it’s a legal right, and a path forward. Talk to a federally regulated trustee who will explore all your options before recommending this route.
Licensed Insolvency Trustees in Sarnia You Can Rely On
With over 20 years of experience and thousands of successful cases, Sheriff Sole & Madej Inc. provides Sarnia residents with direct access to a highly qualified team of LITs. You’ll receive professional advice and tailored support—never sales pressure.
📍 Office Location: Sarnia, Ontario
📞 Free Consultation Line: 1-888-533-0399
🕒 Open Monday–Friday, 9:00 AM to 5:30 PM
All trustees are licensed by the Office of the Superintendent of Bankruptcy (OSB) and members of the Canadian Association of Insolvency and Restructuring Professionals (CAIRP).
Consumer Proposal Sarnia: Reduce Debt and Avoid Bankruptcy
A consumer proposal lets you settle your debt for less—often reducing what you owe by up to 75%—while keeping your assets and avoiding bankruptcy.
✔ One affordable monthly payment
✔ Stop collections and wage garnishments
✔ Faster credit recovery than bankruptcy
✔ Legally binding and court-approved
Our Sarnia LITs will review your budget and debts to determine if a consumer proposal is the right fit for you.
Debt Relief Sarnia: All Options Explained Clearly
Being in debt can feel isolating—but help is available. Our Sarnia trustees offer confidential, expert guidance and will explain all your options, including:
- Consumer proposals
- Bankruptcy
- Debt consolidation strategies
- CRA collections and tax debt help
- Credit counselling and budgeting support
- Informal debt settlements
You don’t have to figure this out alone.
Debt Consolidation Sarnia: Simplify, Don’t Struggle
If you’re managing multiple high-interest debts, debt consolidation may help. This option combines several debts into one loan, potentially at a lower interest rate. It won’t reduce your total debt, but it can improve your cash flow and help you stay on track.
We’ll help you understand whether a private consolidation loan or a government-regulated solution like a consumer proposal is better for your situation.
About the Trustee: Sheriff Sole & Madej Inc.
Sheriff Sole & Madej Inc. is one of Canada’s most experienced insolvency firms, with a team of seasoned Licensed Insolvency Trustees serving clients in Sarnia and across Ontario. The firm was named one of Toronto’s Top Licensed Insolvency Trustees in 2024.
Led by Todd Sheriff, CPA and LIT, the team also includes Maggie Madej, Martin Sole, and Alexandra Morataya—each bringing decades of experience in bankruptcy, consumer proposals, and financial restructuring.
They are licensed and regulated by the OSB and are long-standing members of CAIRP, ensuring full compliance, professionalism, and care in every case.
Request Your Free Consultation
We’re here to help you move from financial stress to stability. Your next step is simple—and free.
📞 Call 1-888-533-0399
📩 Or fill out the confidential form below
Take control of your debt with a personalized, local solution.
Being in debt can seem daunting and unmanageable, especially without a trusted Bankruptcy professional.
Take the easy next step. Call to make an appointment for a free, no-obligation, and confidential consultation. Call 1-888-533-0399 today.
It’s important to understand your options and know that help is available to you. Trust Bankruptcy Canada, and understand that nothing is simple when dealing with financial issues.