Debt Solutions in Oshawa

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

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

Our dedicated and caring local team in Oshawa will be by your side from the first time you call us until you have achieved your goal of debt freedom. Our team represents a wide age range of individuals and backgrounds; therefore we know that everyone that comes into our office will find someone to connect with. Colin, our Licensed Insolvency Trustee, values your time and offers appointments at your convenience, even in the evenings and on weekends.


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

Getting into debt isn’t a sprint, and Colin understands that. Outside of the office Colin trains and participates in triathlons – he knows the meaning of endurance. He has been helping people like you solve financial problems for over 20 years and he knows your decision is not easy. Managing our eastern offices including Oshawa, Peterborough, Lindsay, Ajax and Scarborough, Colin specializes in both business and personal matters. While it wasn’t a sprint to get into debt, with Colin’s understanding approach, crossing the debt-free finish line will feel like it took no time at all.

Consumer Proposals Oshawa

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 Oshawa

Here in our Oshawa 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.


Oshawa 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.


Oshawa 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%.