We’re a team of experienced Licensed Insolvency Trustees and Credit Counsellors that specialize in bankruptcy, consumer proposals, and debt relief. We have offices across Canada, including the Greater Toronto Area, Ontario, Manitoba, Saskatchewan, Alberta, British Columbia, and the Maritimes. All consultations can be conducted virtually or in-person.
Spergel has empowered over 100,000 Canadians to become debt free.
As leading experts in debt relief for over thirty years across Canada, we’re here to help you no matter what your financial situation. Unlike other debt relief firms, you’ll be assigned one of our welcoming and experienced licensed professionals to walk you through your debt relief journey, instead of passing you from person to person. We will offer you personalized support, tailored to your unique circumstances.
Let us help you to enjoy life once again with a fresh financial future.
During your free consultation with one of our expert Licensed Insolvency Trustees, we will:
- Review your finances and prepare a plan for you to become debt free.
- Recommend a debt relief solution tailored to your needs.
- Help to permanently stop collection agency calls and wage garnishments.
Frequently asked debt relief questions
What is bankruptcy?
In Canada, bankruptcy is the legal process of assigning any non-exempt assets you may have over to a Licensed Insolvency Trustee in exchange for clearance of your unsecured debt. In order to file bankruptcy, you must be insolvent. As well as enabling you to live a life free from debt, it prevents any creditors or collection agencies from contacting you again.
What is a consumer proposal?
In Canada, a consumer proposal is the legal process of negotiation with your creditors. Carried out on your behalf by a Licensed Insolvency Trustee, you will agree on an affordable debt repayment amount. An excellent bankruptcy alternative, it is interest-free, reduces your debt by up to 80%, and is only repayable for up to five years.