Jack is a seasoned veteran of the insolvency industry having 30 years of experience. He started with A. Farber & Partners Inc. in 2001. Jack works with people going through the proposal or bankruptcy process. He enjoys meeting people through his work, in particular a year or so after they are discharged when he sees how happy they are. This is always in sharp contrast to when he initially meets them when they are very upset and embarrassed.
Jeremy Kroll, CA·CIRP
Trustee in Bankruptcy
Partner, Consumer and Small Business jkroll@afarber.com
Jeremy has been helping people solve their money problems for over 11 years. He joined A. Farber & Partners Inc. in 1996 and became a licensed Trustee in Bankruptcy in 2001. Prior to joining the firm, he practiced as a Chartered Accountant with a major accounting firm both in South Africa and Canada.
Jeremy thrives on the challenge of finding creative, practical and, most importantly, cost-effective solutions for individuals and small business owners. Nicknamed "The Bulldog," Jeremy will persevere in finding the best possible solution for each situation without losing his special human touch and sense of humor. Jeremy continues to bring his professional skills to bear in a practice that has helped thousands of clients address their financial hardship in a dignified manner and that leads to an optimal realization for creditors. His myriad of memorable moments include structuring a deal whereby the creditors received significantly more than in a bankruptcy scenario, the family was able to properly reacquire key business assets and twelve individuals kept their employment.
Mark has been working in insolvency for five years and recently joined A. Farber & Partners Inc. in 2006. He works with people to assess their situation and ensure they are taking the best route possible for them. Mark enjoys working with people and having the ability to alleviate the stress and shame that often accompany their financial difficulties. He wishes more people understood that there is a reasonable solution to their financial situation. When he is working with people, he can visibly see the weight being lifted from their shoulders.
Adam has 10 years of experience in the profession and has been with A. Farber & Partners Inc. since 2002. He meets with people who are either experiencing financial difficulties or know of someone that is experiencing financial difficulties. He discusses their financial options with the goal of giving people a fresh start by eliminating financial stress. For Adam, one of his most memorable moments was when someone he had worked with called a few years after bankruptcy very excited and grateful as he had just bought a house.
Jerry began his career in insolvency at A. Farber & Partners Inc. 10 years ago. He works with people experiencing financial difficulties and provides financial counseling. Jerry enjoys meeting people from all walks of life everyday and showing them a better financial future. In addition to English, Jerry is fluent in Polish.
Mario started with A. Farber & Partners Inc. in 2003, which was also his foray into the world of insolvency. He meets with people to assess their financial circumstances and explain to them all of the options that are available as well as provide a recommendation on the solution best suited to them. He enjoys providing people with a sense of relief that there is light at the end of the tunnel and he often hears from people how thankful they are at being given a second financial life. In addition to English, Mario also speaks Spanish.
Nandhini Vittal, Manager nvittal@afarber.com
Nandhini started helping people solve their money problems eight years ago and she has been with A. Farber & Partners Inc. since 2000. She meets with people providing them with tailored solutions and delivering financial counseling for those going through the bankruptcy process. She is an active member of the Madras Cultural Associations, the Bharathi Kala Manram and the Canadian Cancer Society. For Nandhini, one of her most memorable moments was with someone that was referred to her. He attempted suicide when he lost everything due to gambling addiction. When he came to Nandhini, she advised him of his options helping him realize that gambling is not the way out. Although he was not always agreeable, he did everything she asked and obtained a full discharge from his debt. He thanked her for giving him his life back. In addition to English, Nandhini speaks Marathi, Tamil and Hindi.
Nirmala began her career in insolvency when she joined A. Farber & Partners Inc. in 2003. She works with people to review their financial situation and offer the best solution possible based on their individual circumstances. She keeps in regular contact with those she is working with and provides financial counseling as needed. Recently, she had someone she met with express how comfortable he made her feel after their initial meeting as he was quite nervous beforehand. He later told Nirmala that she treated him with dignity and respect and thanked her. Nirmala enjoys the day to day interaction with people and helping them change their lives for the better. In addition to English, Nirmala is able to help clients that speak Tamil and she has an understanding of Hindi and Urdu.
Veronica has been working with A. Farber & Partners Inc. in 2001. She helps people understand their financial situation and advise them how best to handle their debt problems. She enjoys showing people that there are solutions to their money issues – what she hears most often is that thanks to her, they can now sleep at night. As an added benefit, Veronica is fluent in Spanish and Portuguese.
The cost of a Toronto bankruptcy
is set by the Government. A. Farber & Partners have affordable payment terms available.
The A. Farber & Partners team of managers and Toronto bankruptcy trustees will work with you and your creditors to resolve your financial difficulties, in a non-judgmental, caring and compassionate manner.
Our Toronto bankruptcy trustees provide this
information for your protection:
Although you need a bankruptcy trustee to go bankrupt, bankruptcy is not the only thing our Toronto bankruptcy trustees can help you with. Our Toronto bankruptcy trustees are highly trained professionals who will give you the best advice possible, even if it means you do not use our services.
Our Toronto bankruptcy trustees are licensed by the Federal Government and subject to stringent codes of ethics. Bankruptcy trustees are the only debt professionals who can providea full range of debt relief solutions.
Furthermore, bankruptcy trustees are the only debt professionals who can guarantee that you will get protection from your creditors.
Our Toronto bankruptcy trustees provide a full range of debt relief solutions:
Debt negotiation - contacting your creditors - to help you preserve your credit rating, our Toronto bankruptcy trustees
can contact some or all of your creditors to explain your financial situation and recommend an arrangement that is tailored for your circumstances. Remember that filing bankruptcy in Canada is not the only solution to your money problems. Debt negotiation could be a viable alternative.
Debt elimination & consolidation loan - by approaching your bank or through our network of lenders, our managers and Toronto bankruptcy trustees can help you secure one loan to repay all of your other debts. While you may still owe the same amount in total, the monthly payment is often lower and you will only have one payment to make every month, which makes debt elimination easier. Debt consolidation is one alternative to filing bankruptcy in Toronto.
Consumer proposal - this agreement between you and your creditors may allow you to pay off only a portion of your debts and/or extend the time you have to pay off those debts. Our Toronto bankruptcy trustees help you draw up and present a formal offer to your creditors that is fair and reasonable to the creditors but that is also affordable to you. If the required majority of the creditors accept the offer then all your unsecured creditors are obliged by law to also accept the offer. Filing of a consumer proposal immediately stops all collection efforts and legal actions by your unsecured creditors, including asset seizures, and wage garnishments, but without having to file for bankruptcy. This type of debt relief is another alternative to personal bankruptcy filing.
Personal bankruptcy - as a last resort, you can cope with a financial crisis by declaring bankruptcy. Filing bankruptcy with one of our Toronto bankruptcy trustees is a powerful debt solution that immediately stops all collection efforts and legal actions by your creditors, including lawsuits, asset seizures, and wage garnishments. The personal bankruptcy process includes debt counseling sessions that can help you create realistic budgets and regain control over your finances. While nobody wants to go bankrupt, this may be the most appropriate solution to bring closure to a difficult period in your life so that you can build the new future that you and your family deserve.
Jack Fox, CIRP
Jeremy Kroll, CA·CIRP
Mark Morgan, BBA, CA·CIRP
Adam Agulnik, Manager 
Jerry Janiec, Manager
Mario Morataya, Manager
Nirmala Bhaskar, Manager
Veronica Cariceo-Horta, Manager 
