Overwhelmed by debt?
You’re not alone.
We can help you keep your home, assets, and give you peace of mind.
Join 100,000 others who’ve found a fresh start with us.
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!
What our clients are saying:
Spergel has been trusted by over 100,000 Canadians for 35 Years. Read what our clients say about their journey to debt freedom.
4.9 out of 5 stars based on over 1000+ reviews
4.9 out of 5 stars based on over 2000+ reviews
5 out of 5 stars based on over 50+ reviews
Harun R
Graeme & Sheryl from Spergel was very kind, friendly & helped me manage my massive credit card debt burden at a time when I was struggling with my medical health impairments. This helped me focus on my health and start my life afresh rather than worrying about my debt. A big thanks to the Spergel Danforth team. Very grateful for all your help! 🙏💛
Benigno Gamboa
I just completed my Consumer Proposal. Many thanks to MSI Spergel specially to Ewelina I will have a fresh financial start now. I thought there was no solution on my financial situation before. I am debt free from credit cards now.I would highly recommend MSI Spergel to anyone who wants to apply for Consumer Proposal.
Stephanie Helen
The Spergel team made it possible to get out from under my daunting mass of student debt. Working with Stephanie Charlton was great, she knew exactly what she doing. She was honest and relatable and really took the time to walk me through everything. She offered personal anecdotes on what she would do which helped this whole process seem more achievable. You feel safe and heard with Stephanie, I cannot recommend her more. Thank you!
Thomas White
I can’t express enough how grateful I am to have found Spergel during such a stressful time in my life. From the very first interaction, they were incredibly quick to assist me with submitting my consumer proposal. Their attention to detail was impeccable, ensuring that everything was handled perfectly. Thanks to their help, I’ve finally been able to see that there is light at the end of the tunnel. I only wish I had found them sooner. I wholeheartedly recommend this company to anyone in need of financial assistance—they are a beacon of hope and support when you need it most. Five starts all around!
Don W. Shepherd
The team was so attentive and put me at ease. They handled my case quickly and extremely efficiently with very open communication. I could not recommend them enough. So thankful for their help !!
Allie
I am deeply grateful for the expertise and advice that was given to me by the staff at SPERGEL. Their compassion, empathy and expertise was impeccable and helped me make hard decisions. There was no judgment or criticism but rather kindness and the ability to help me understand and move forward. Please don’t hesitate to contact this company as you will be treated with the utmos respect and dignity pertaining to your financial issues.
Margot Stornelli
Very effective customer service and assistance for my debt relief. Always available to answer questions and make recommendations. Happy to have this debt paid off before maturity.
Liz Nunes
I went through a difficult financial time and was nervous about asking questions regarding my options and possibly going through the process of filing for Bankruptcy. Everyone I spoke to and dealt with at Spergel was very friendly and quick to assist me and answer all my questions. I highly recommend Spergel to anyone who is looking for advice, options and information with their financial hardships. I feel so much lighter and optimistic moving forward in life. I sincerely thank everyone at Spergel! Wish you all much success and happiness!
Unveiling the Mental Health Impact of Debt
Over the years, we’ve had the great privilege of meeting countless individuals facing the challenges of debt. Their stories have taught us invaluable lessons about the profound impact debt can have on mental and emotional well-being.
In 2024, we conducted a comprehensive study to better understand these challenges and enhance our support.
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.
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.
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.
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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.