Debt Relief in Oshawa: Licensed Insolvency Trustees
At Spergel, our committed and caring team in Oshawa has been helping Canadians discover just how good it feels to be debt free for over thirty years. Visit our Oshawa office to learn more about our debt relief solutions. We help those in the Oshawa, Ajax, Bowmanville, Clarington, Courtice, Lindsay, Peterborough, Pickering, Scarborough, and Whitby regions of Ontario. If you need advice on a debt consolidation loan or want to file bankruptcy for a new beginning, our reputable Licensed Insolvency Trustees are here to help you.Book an appointment Request a call
Learn more about debt relief in Oshawa
For debt help in Oshawa, visit our Spergel office and discover how you can begin your journey to financial freedom. Our empathetic and knowledgeable team will be with you each step of the way. With a diverse team, you can choose an appointment that works for your schedule, and you will be greeted with a warm and welcome environment. All of our Licensed Insolvency Trustees will work according to your unique financial circumstances, offering reassuring advice on how you can become debt free. Our Licensed Insolvency Trustee in Oshawa, Colin, is a friendly face to help you no matter what your situation.TALK TO OUR TRUSTEE, Colin
Spergel – Oshawa
Colin understands how easy it is to become overwhelmed by debt, especially in a high cost city like Oshawa. He has been helping Canadians gain debt help in our Oshawa office for over twenty years, and has a wealth of experience and expertise. Enthusiastic about helping individuals gain debt relief in Oshawa, Colin also helps businesses get their finances in order. Outside of working as a Licensed Insolvency Trustee, Colin is a keen triathlete.
Consumer Proposals in Oshawa
Many struggling with overwhelming debt feel that bankruptcy is their only option, but this is far from the reality. In fact, a consumer proposal is a legal form of debt settlement that consolidates your debts into one manageable monthly payment. It often means a reduction in your debt by up to 80%, and it enables you to keep your assets. By filing a consumer proposal in Oshawa, you can also stop collection calls, end wage garnishment, and freeze penalties and interest. At Spergel, we will help you to create an offer you can afford, and we have a 99% acceptance rate on our consumer proposals. Unlike other bankruptcy firms, at Spergel, you will be assigned your own trustee to help you gain debt help in Oshawa.
Bankruptcy in Oshawa
When it comes to gaining debt help in Oshawa, bankruptcy is often a last resort, but for some it is necessary. Bankruptcy is the legal process of clearing your debts in exchange for any non-exempt assets you may have. It also generates a stay of proceedings, meaning that creditors and collection agencies can no longer contact you. At Spergel, our team has been filing bankruptcy in Oshawa for over thirty years, and we can help to determine if it is the right debt solution for you. Bankruptcy can seem like a daunting task, but we are here to guide you through the process, answering any questions or fears you may have. In fact, unlike other bankruptcy firms, you will be assigned your very own bankruptcy trustee to guide you through the entire process. Our dedicated team will also advise if a bankruptcy alternative is a better debt solution for you instead.
Debt Consolidation in Oshawa
If you are in need of debt help in Oshawa because of multiple debts like credit card debt, tax debt, and payday loans, debt consolidation could be good for you. From debt management plans where a professional will work out a repayment plan for you to debt consolidation loans, there are multiple different options. The most common is a debt consolidation loan which condenses multiple loans into one manageable monthly payment. As well as simplifying your debts, it often means a reduction in interest rate too. Our reputable Oshawa debt experts can assist you with debt restructuring and help you to weigh up the pros and cons of debt consolidation among other debt relief options.
Tax Debt Relief in Oshawa
Encountering tax debt in Oshawa is relatively common, but it is important to handle it immediately. Tax debt can be stressful to tackle because of the powers of the Canada Revenue Agency, and ignoring it can cause it to spiral quickly. By dealing with it immediately, you have greater negotiation power with the Canada Revenue Agency, and higher chances of tax debt relief. At Spergel, our Licensed Insolvency Trustees are experts in knowing how to reduce your tax debt. We can negotiate with the Canada Revenue Agency to create a repayment plan, settle your tax debt, and stop interest and penalties. We want you to live a life free from the anxiety of tax debt.
Wage Garnishment in Oshawa
Receiving a wage garnishment in Oshawa is likely the last thing you need right now on top of unmanageable debt. Having your income restricted is only going to make debt repayment more difficult, which is why you may need debt help in Oshawa. At Spergel, our experienced Licensed Insolvency Trustees can stop your wage garnishment in Oshawa through a stay of proceedings. This is achieved by filing either a consumer proposal or bankruptcy to stop interest and penalties accumulating on debt. Reach out to our Oshawa debt help experts today to stop your wage garnishment and regain the income you are entitled to.
Credit Counselling in Oshawa
At Spergel, we offer credit counselling in Oshawa both before and after filing for debt relief, be it a consumer proposal or bankruptcy. Our experienced Oshawa bankruptcy trustees will work with you to create an affordable debt repayment plan. First of all, you will be assigned your own Licensed insolvency Trustee to discuss your financial situation and review the best form of debt relief for you. Within credit counselling sessions, you will learn money management, how to budget, and how to rebuild your credit.
Why Choose Spergel For Debt Relief in Oshawa?
Spergel has one of the most experienced teams of Oshawa Licensed insolvency Trustees. In fact, Licensed Insolvency Trustees are the only professionals in Canada legally able to file debt relief solutions including bankruptcy and consumer proposals. For over thirty years, we have been helping Canadians gain debt relief by working with creditors and preventing collection calls and wage garnishments. At Spergel, we have an A+ accreditation on the Better Business Bureau, and locations across Canada to give you a fresh financial start. Book a free consultation with one of our team to begin your journey to debt relief in Oshawa.