Book a FREE consultation with Spergel any day of the week to begin your journey to debt relief.
We are 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.
We are open and here for you seven days a week. 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 in Ontario and across Canada, we will help you no matter what your financial situation. Unlike other debt relief firms, one of our welcoming and experienced licensed professionals will be assigned to you to be by your side throughout your journey to a fresh financial start, instead of being passed 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.
In 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. Whether you are in Ontario or elsewhere in Canada, our trustees are flexible and arrange meetings with you at your convenience. At Spergel, each of our debt relief solutions is tailored to your needs to clear your debt, relieve you from financial strain, and permanently stop collection agency calls and wage garnishments. We will empower you to make the right decision for your situation, so book an appointment today – you owe it to yourself.
We have Licensed Insolvency Trustees waiting to answer all of your questions about debt. We will cover everything from how long a bankruptcy lasts to how much your debt will be reduced by a consumer proposal – enabling you to make an informed choice. You owe it to yourself.
Clear your debt through Bankruptcy
Bankruptcy is an ideal option for many, clearing any overwhelming unsecured debts and stopping collection calls to allow you to begin afresh. Although it can seem like a daunting process, at Spergel we have been helping Canadians file bankruptcy for over thirty years. You will be assigned a bankruptcy trustee to guide you through the entire process.
Keep your assets with a Consumer Proposal
A consumer proposal is an excellent bankruptcy alternative, reducing your debt by up to 80% to just one manageable monthly payment that you suggest. It clears any remaining debts, enables you to keep your assets, freezes interest, and stops collection calls. At Spergel, the consumer proposals we file receive over a 99% acceptance rate.
Let us support you with Credit Card Debt
Credit card debt can quickly spiral, but thankfully there are plenty of debt relief solutions for clearing credit card debt. Our experienced Licensed Insolvency Trustees will walk you through recommendations based on your situation. These include debt consolidation, a consumer proposal, or bankruptcy. We are here to answer all your credit card questions.
Let us support you with Tax Debt Relief
Tax debt can be particularly daunting given the powers of the Canada Revenue Agency. Yet there are plenty of options to tackle tax debt, especially if handled early on. We can work to reduce your tax debt, stop the CRA pursuing action, and help you gain debt relief through filing either a consumer proposal or bankruptcy to eliminate your tax debt once and for all.
Permanently stop Collection Calls
Collection calls are one of the most stressful elements of debt – additional pressure and threats do not help your situation. If you are unsure of what to do, book a consultation with Spergel. Our debt experts can stop your collection calls for good by filing either a consumer proposal or bankruptcy to legally stop creditors or collection agencies contacting you again.
Immediately end Wage Garnishment
Having deductions from your salary by a creditor via a wage garnishment is extremely frustrating and unhelpful for resolving debt issues. Whether you are undergoing a wage garnishment or being threatened with one, reach out to Spergel immediately. We can stop your wage garnishment through either a consumer proposal or bankruptcy.
Debt relief support located near you.
In our journey to helping over 100,000 Canadians enjoy a life free from debt, our welcoming and experienced team has naturally grown to offer you greater convenience. We have over forty debt relief locations across the Greater Toronto Area, Ontario, Quebec, Manitoba, Alberta, Saskatchewan, British Columbia, and the Maritimes. We can also support you to receive debt relief online.
All our locations offer flexible appointments in evenings and weekends to work around you and your needs. Book a free consultation without obligation for one of our reputable Licensed Insolvency Trustees to work with you through your situation and recommend a pathway to debt relief as quickly as possible.
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.
Who can garnish your wages in Canada?
A wage garnishment can be requested by any creditor to whom you may owe debt. In most cases, this is the Canada Revenue Agency, debt collection agencies, and other lenders. If you are being threatened with a wage garnishment, it is important to contact a Licensed Insolvency Trustee immediately, as it is possible to stop wage garnishments quickly.
Is a Licensed Insolvency Trustee impartial?
Licensed Insolvency Trustees are the only professionals in Canada legally able to file all forms of debt relief, including bankruptcy and consumer proposals. They are well positioned to offer advice on all forms of debt relief based on your circumstances. They are impartial and honest, and are completely independent of both you and your creditors.