Got debt? Need help?
Call Spergel, the ‘get rid of debt’ people.

Keep your car. Keep your home. Keep your assets.

100,000+ Canadians helped and counting!

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Struggling with various debts? Unsure where to start or how to get relief? Use our debt repayment calculator for a quick comparison.

Take control of your finances now!

Debt Repayment Calculator

Reduce your debt by up to 80%

At Spergel, we have helped Canadians begin a fresh financial future for over 30 years, and we are here to help you too.

We’re having trouble calculating your options. For further assistance, you may request a call or use the LiveChat function to contact a Spergel representative who will be able to assist you immediately.

Enter your total unsecured debt. Unsecured debt means debt that is not tied to an asset or collateral like credit cards. Do not include any secured debt (like mortgages, car payments, etc.).
The debt relief calculator works out how much you will need to repay depending on the timeframe you choose.
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We’re a team of experienced Licensed Insolvency Trustees and Credit Counsellors that specialize in bankruptcy, consumer proposals and debt relief.

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.

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We can help you get rid of your debt.


Meet with a Spergel Licensed Insolvency Trustee.

Begin your journey to debt relief by taking the first crucial step and booking a FREE, no-obligation consultation. One of our expert Licensed Insolvency Trustees will review your financial circumstances to gain an insight into your situation, treating you with the compassion, respect, and understanding you deserve.


Proceed with a debt relief solution.

Navigate towards financial freedom by moving forward with a debt relief option. Your Licensed Insolvency Trustee will share your recommended debt relief options, and guide you through your most suitable solution, explaining everything as you go. We prepare personalized solutions tailored to your financial situation.


Permanently stop collection calls and end wage garnishment.

We understand how stressful debt and collectors can be, which is why our experienced professionals are dedicated to providing immediate relief. When you file a bankruptcy or consumer proposal, we put an immediate end to collection calls, wage garnishments, and any other creditor threats – for good, so you can breathe again.


Reduce or eliminate your debt.

We will help you to experience financial freedom once and for all by reducing or clearing your debt completely. The support doesn’t end there – we will also help with life after debt, empowering you to rebuild your credit and regain control. Take the first step today and book a free consultation with Spergel.

Let us help you to enjoy life once again with a fresh financial future.

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At Spergel our 40+ locations across Canada are open evenings and weekends to accommodate your schedule.

Discuss your debt solutions with a knowledgeable Licensed Insolvency Trustee who will work with you to meet your needs.

We have office locations across the Greater Toronto Area, Ontario, Quebec, Manitoba, Alberta, Saskatchewan, British Columbia, and the Maritimes.