Debt Solutions in North York

Helping people discover how good debt free feels in North York for 30 years

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Visit us in North York and learn more about our debt-free solutions

Our head office was founded in 1989 by Alan Spergel. We are proud that our head office reflects the great cultural diversity that Toronto has to offer. At Spergel, you are not passed from one department to the next. You will be guided by the same person throughout your debt relief journey, giving you the personalized attention, you deserve. Jeff, our Licensed Insolvency Trustee, values your time and offers appointments at your convenience, even in the evenings and on weekends.

North York

Book your free phone consultation with our caring team to discuss your options and start your journey towards financial freedom.

Jeff knows that a little levity when dealing with life changing events can make a big difference. An LIT for more than 18 years, his long-standing team appreciates his talent for using humour to put people at ease. In addition to solving your debt problems, Jeff manages operations for all of Spergel’s personal insolvency offices.

Jeff helps people like you find debt solutions and discover the path to debt freedom every day. When Jeff isn’t at the office he is happiest spending quality time with his family at home.

Gillian is an understanding and compassionate LIT who will answer all of your bankruptcy and consumer proposal questions. She is the Vice-Chair of the Ontario Association of Insolvency & Restructuring Practitioners board and a member of the Canadian Association of Insolvency and Restructuring Professional’s Consumer Practice Committee. With her wealth of experience helping individuals and businesses get back on track, Gillian is regularly quoted and interviewed in the media:

BNN Interview: “Canadian Seniors Piling on Debt”
Globe and Mail article: “Already pinched, many Canadians anxious about higher rates”

When not in the office, Gillian can be found playing tennis, enjoying live music, and chairing her children’s school council committee.

Consumer Proposals North York

A consumer proposal will consolidate your debts into one affordable monthly payment, allow you to keep assets like the equity in your home, stop collection calls, freeze interest and penalties and end wage garnishments

At Spergel we pride ourselves on going the extra mile. We help you make the best offer you can to your creditors. We have a 99% acceptance rate for the consumer proposals we file. You will always have the same familiar, local person helping you through to the end of your proposal.

You owe it to yourself to find a Licensed Insolvency Trustee who will stick with you through the entire process, from start to finish.


Personal Bankruptcy Help in North York

Here in our North York office, our team has been helping clients through the personal bankruptcy process for 30 years. We will work with you to determine if filing for bankruptcy is right for you.

Filing bankruptcy doesn’t have to be difficult. We make personal bankruptcy easier; you are not passed from one department to the next, you will be guided by the same person through your debt relief journey.

We believe that you should make an informed decision about your debt relief plan and our caring team will answer any questions that will help you decide what that plan should be.


North York Tax Debt Help

Ignoring your debt can lead to big problems and it can easily become too late to negotiate directly with CRA. We want to help you live a life where your tax debt (and the threat of CRA action) do not have control over your finances.

If you already suspect that you need tax solution services – Spergel can help. We can put a permanent stop to the interest and penalties and reduce the total amount owing.

Let us help you develop a plan that will free you from your tax debt without any unwanted consequences like a wage garnishment or a lien on your property.


North York Wage Garnishment Help

We understand that a wage garnishment is the last thing you need right now. Decreasing your income isn’t going to help you resolve your debt problems.

At Spergel we can stop your wage garnishment with a legal stay of proceedings. Only a proposal or a bankruptcy can stop a garnishment, interest, and penalties that you are being charged. Call a Licensed Insolvency Trustee to get debt help today, stop your wage garnishment and restore your income to 100%.