E-Books & Guides
What To Say When Debt Collectors Call
Getting a call from a debt collector can feel overwhelming. This guide gives you the exact scripts, tips, and resources you need to stay calm, protect your rights, and take control.
Spergel
Knowledge is power, especially when you’re dealing with debt. Get answers, tools, and real-life support all in one place.
Discover More About Debt and Debt Solutions in Canada with helpful articles & debt advice
Explore articles, guides, and videos designed to help you understand your debt relief options, protect your assets, and make informed decisions with confidence.
Articles & Insights
Is Spergel legit? What you need to know before choosing a debt help company
Yes, Spergel is a legitimate Licensed Insolvency Trustee firm in Canada, regulated by the federal government.
This means that Spergel is legally authorized to help Canadians reduce or eliminate debt.
Articles & Insights
Why you should never pay a collection agency
If you fall behind on payments for credit cards, loans, tax debt, or other bills, your creditor may eventually send the account to a collection agency.
Success Stories
Real life client story: She didn’t just file, she finished. A 60-month consumer proposal
How student debt and living paycheque to paycheque overwhelmed a young student – and how she found a fresh start.
Success Stories
Real life client story: When a business didn’t work out, debt followed – and asking for help changed everything
How a business setback and rising debt left a mother feeling overwhelmed – and how seeking help restored stability.
Success Stories
Real life client story: From injury to financial crisis: how a pro athlete rebuilt stability through a consumer proposal
How a career-changing injury left a professional athlete facing overwhelming debt – and how a consumer proposal gave his family stability and hope.
Success Stories
Real life client story: How a consumer proposal helped Ruby rebuild her mental health and stability
How debt, betrayal, and wage garnishment pushed a young professional to the breaking point – and how a consumer proposal helped her rebuild her mental health and stability.
Articles & Insights
Tax Stress Survey 2026: A cash-flow stress test for Canadians
In a survey of 210 Canadians, many expect to owe money, some report cutting back on essentials. Payment arrangements are becoming the default plan for managing CRA balances.
Articles & Insights
Grocery Debt: the “New Normal” for Canadians in 2026: What Spergel’s survey reveals
A recent survey of Canadians reveals a startling shift in how we buy food. Over 60% of respondents report skipping meals or reducing portions to save money. This report explores the “credit orbit” and the rising trend of juggling bills to afford basic essentials.
Articles & Insights
Informal Debt Settlement in Canada (2026): How it Works, Risks, and Better Alternatives
Many Canadians want to get out of debt without filing anything formal – no bankruptcy, no consumer proposal, no court
E-Books & Guides
Retirement Debt Guide
A free, practical guide to help you understand your debt relief options, protect what matters most, and move into retirement with confidence.
E-Books & Guides
Stay in Business: How to handle small business debt
If debt, CRA obligations, or cash flow stress are putting your business at risk, this free guide shows you how to regain control, without judgment or guesswork.
See How Much You Could Save With a Consumer Proposal!
Not sure where to start? Our easy-to-use calculator helps you estimate how much a consumer proposal could reduce your debt.
How We Help Others
Don’t take our word for it. See what some of our past clients have said.
We Know the Hardest Part Is the First Step
It’s also the most important step. Let’s talk — we guarantee that we can help you.
Quick Contact Form
"*" indicates required fields
Book a Specific Date/Time
Call Us During Business Hours
When you call, you will be connected with one of our Licensed Insolvency Trustees (LITs) during our regular business hours.
Toll Free: 1-877-557-7367
Monday to Friday 8am – 7pm EST
Saturday 9am – 4pm EST
Sunday 10am – 5pm EST
You can also reach us at one of our office locations phone numbers. See our list below on this page.
Mobile Text Us During Business Hours
From your phone, you will be connected with one of our Licensed Insolvency Trustees (LITs) during our regular business hours.
Monday to Friday 8am – 7pm EST
Saturday 9am – 4pm EST
Sunday 10am – 5pm EST
Not during office hours? Use our Chat on this page 24/7 and get connected for answers and live chat later.
Email Us
Sometimes a simple email is the way to get things rolling.
Expect a reply from us during our business hours:
Monday to Friday 8am – 7pm EST
Saturday 9am – 4pm EST
Sunday 10am – 5pm EST
Click the button below to reach or use our email address:
hello@spergel.ca
Let’s find what works for you
Busy Schedule? Book a Date/Time:
Prefer to Call? Reach Us Here (Toll Free):
Find a Spergel office near you
Use the map to find a Spergel office near you and connect with a Licensed Insolvency Trustee.