Explore articles, guides, and videos designed to help you understand your debt relief options, protect your assets, and make informed decisions with confidence.
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.
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.
How student debt and living paycheque to paycheque overwhelmed a young student – and how she found a fresh start.
How a business setback and rising debt left a mother feeling overwhelmed – and how seeking help restored stability.
How a career-changing injury left a professional athlete facing overwhelming debt – and how a consumer proposal gave his family stability and hope.
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.
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.
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.
Many Canadians want to get out of debt without filing anything formal – no bankruptcy, no consumer proposal, no court
A free, practical guide to help you understand your debt relief options, protect what matters most, and move into retirement with confidence.
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.
As Blue Monday approaches, Spergel’s Financial Hangover survey reveals how deeply holiday spending has impacted Canadians’ financial and emotional wellbeing.
Not sure where to start? Our easy-to-use calculator helps you estimate how much a consumer proposal could reduce your debt.
Don’t take our word for it. See what some of our past clients have said.
It’s also the most important step. Let’s talk — we guarantee that we can help you.
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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.
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.
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
Busy Schedule? Book a Date/Time:
Prefer to Call? Reach Us Here (Toll Free):
Use the map to find a Spergel office near you and connect with a Licensed Insolvency Trustee.
