Articles & Insights
Secured credit card: what is it?
Perhaps this is your first step into the realm of credit cards, or perhaps you may be looking to be smarter with your money management.
Spergel
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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
Filing for bankruptcy with no assets – what happens?
If you are drowning in debt and living paycheque to paycheque, you may well be considering bankruptcy to gain debt relief. Bankruptcy is the process of assigning any non-exempt assets you may have over to your Licensed Insolvency Trustee in exchange for the clearance of your unsecured debt.
Articles & Insights
How to budget to pay off debt
Debt has various consequences, and can cause a number of problems including mental health issues and consequences on your lifestyle.
Articles & Insights
Credit counsellor vs Licensed Insolvency Trustee: what’s the difference?
If you have arrived at this article, you are likely trying to understand the difference between a credit counsellor and a Licensed Insolvency Trustee (LIT).
Articles & Insights
Maximum interest rate in Canada – how much can you be charged?
Interest rates can essentially be considered as the ‘cost’ of borrowing money from lenders.
Articles & Insights
Business bankruptcy: options for debt help
The decision to declare bankruptcy is never made lightly – if you are self-employed or own a small business, this decision can become even more complex.
Articles & Insights
How to pay back OSAP in Canada
There are many wonderful things to celebrate about graduating from your post-secondary studies.
Articles & Insights
If you make minimum payments on your credit card, do you get charged interest?
If you have a sizeable balance on your credit card, the thought of paying off your credit card debt can be a little overwhelming.
Articles & Insights
Can I get a loan while in a consumer proposal?
If you have filed a consumer proposal, you may find at some point while making your repayments that you want to take out a loan.
Articles & Insights
Debt advisors in Canada – what can they help with?
If you are struggling with overwhelming debt, bills that are growing out of control, and loans you know you simply cannot repay, you are probably searching for debt advisors in Canada
Articles & Insights
What is a payday loan?
If money is tight and you are struggling to repay overwhelming debts or bills, you may be considering a payday loan.
Articles & Insights
Too much debt to divorce? Here’s what you need to know
Unfortunately nowadays, a staggering 4 out of 10 marriages end in divorce in Canada.
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