Debt Relief in Ottawa: Licensed Insolvency Trustees
At Spergel, we have been helping honest and hardworking Canadians based in Ottawa gain debt relief for over thirty years. No matter what financial difficulties you may be facing, our reputable Licensed Insolvency Trustees are here to help you find a debt relief solution. For debt help in Ottawa, we provide debt consolidation, credit counselling, consumer proposals, and bankruptcy. We offer personalized advice based on your unique financial circumstances. Whether you are based in Ottawa, Alta Vista, Barrhaven, Blossom Park, Emerald Woods, Findlay Creek, Gloucester, Greely, Greenboro, Hunt Club, Kanata, Manotick, Metcalfe, Munster Nepean, Osgoode, Riverside Park, Riverside South, Sawmill Creek, South Keys, Stittsville, Winchester or beyond, our Ottawa debt experts are here to help you.Book an appointment Request a call
Learn more about debt help in Ottawa
If you need debt help in Ottawa, visit our downtown office to learn more about the debt relief options available to you. At Spergel, our Ottawa team of friendly and welcoming bankruptcy trustees are here to get you started on your pathway to a fresh financial future. We will work with you to understand your financial circumstances, reviewing everything from appropriate debt relief solutions to budgeting and credit counselling. We offer flexible appointments in Ottawa for your convenience, including during evenings and weekends. Our experienced Licensed Insolvency Trustee, Rob, will clear completely or reduce your debt by up to 80%.TALK TO OUR TRUSTEE, Rob
Rob is one of our Ottawa debt experts, with years of experience as a Licensed Insolvency Trustee in Ontario. With a passion for helping Canadians gain financial freedom, Rob will advise on all forms of debt relief from wage garnishment to stopping collection calls and filing bankruptcy. Offering Ottawa debt relief, Rob will sit down with you to review your finances. Offering a compassionate approach to all clients, you can book a meeting with Rob at your convenience, with flexible appointments in the evenings and at weekends. When he is not helping Canadians gain debt relief, Rob enjoys spending time with his family, travelling, and playing baseball. Rob also offers debt relief in Barrie, Aurora, and London, Ontario.
Consumer Proposals in Ottawa
A consumer proposal is a legal form of debt settlement in Canada, and a great bankruptcy alternative. For debt relief in Ottawa, consumer proposals can settle your debt for much less than you owe, and reduce debt by up to 80%. There are various advantages of a consumer proposal, including condensing all your debts into a single manageable monthly payment. Consumer proposals will stop collection calls through a stay of proceedings, as well as wage garnishments. They enable you to keep your assets including your tax refund, and unfreeze your bank account. A Licensed Insolvency Trustee is required to file a consumer proposal in Ottawa, and they will make negotiations with your creditors on your behalf. At Spergel, our Licensed Insolvency Trustees have a 99% acceptance rate on consumer proposals. You will also have your own dedicated bankruptcy trustee to walk you through the entire process. Learn how to file a consumer proposal with our Ottawa team today.
Bankruptcy in Ottawa
For debt help in Ottawa, although bankruptcy is often considered to be the last resort when it comes to debt relief, for many it can be an essential pathway to financial freedom. At Spergel, we have helped Ottawa residents file bankruptcy for over thirty years, and can advise you as to whether or not it is the best solution for you. Bankruptcy is the process of assigning any non-exempt assets to a Licensed Insolvency Trustee in exchange for the clearance of any outstanding unsecured debts you may have. An advantage of bankruptcy is that it can be completed in just nine months, as well as offering protection from creditors and collection agencies. Although bankruptcy in Ottawa can seem like an overwhelming process, our experienced Licensed Insolvency Trustees will guide you through the entire journey to debt freedom. Unlike other bankruptcy firms, we will assign you your very own trustee instead of passing you from person to person.
Debt Consolidation in Ottawa
If you are struggling with overwhelming debts like credit card debt, a debt consolidation in Ottawa could be your best debt relief option. A debt consolidation loan is a new loan that is taken out to condense all other debts into one. It can often lead to either a reduced interest rate, or complete clearance of interest. Debt consolidation in Ottawa simplifies and lowers your overall debt payments into a single manageable monthly payment. Our debt experts in Ottawa will sit down with you to help you understand your debt restructuring options. We will discuss your debt relief options and advise you on the best one to take for your financial circumstances. Reach out to Spergel today to understand your debt consolidation options.
Tax Relief in Ottawa
It is relatively common to struggle with tax debt in Ottawa, given that it is an expensive city with high living costs and rising inflation. No matter how bad your tax debt, it is always possible to gain financial freedom. Tax debt can be complicated given the powers of the Canada Revenue Agency, but you can gain tax debt relief if it is handled quickly. Reaching out to a Licensed Insolvency Trustee as soon as you begin to face tax issues means you will have more options and can stop the situation from escalating. Licensed Insolvency Trustees are the only professionals legally able to file all forms of debt relief in Canada, and can negotiate with the Canada Revenue Agency on your behalf. We can help you with a tax debt repayment plan, stop tax penalties and interest, and also help to unfreeze your bank account and reverse wage garnishments. Tackle your tax debt today for a fresh financial future.
Wage Garnishment in Ottawa
A wage garnishment can be an intimidating prospect, especially when you are already facing outstanding debt. No matter whether it is credit card debt or payday loans that you owe, having your wages reduced is not going to help you repay your debt. At Spergel, our experienced Licensed Insolvency Trustees can help immediately. To stop a wage garnishment in Ottawa, contact Spergel today. Our trustees will help you to file bankruptcy or a consumer proposal to clear your debt and restore your full income as quickly as possible. Bankruptcy and consumer proposals generate a stay of proceedings to offer protection from creditors and collection agencies. We can also stop interest and penalties on top of your existing debt. The sooner you reach out to an Ottawa debt relief professional, the sooner we can stop your wage garnishment.
Credit Counselling in Ottawa
Credit counselling in Ottawa is an activity to help you gain debt relief – it is an opportunity for you to discuss your financial situation with a debt relief expert. At Spergel, a Licensed Insolvency Trustee will walk you through the different forms of debt relief suited to you, from debt consolidation to bankruptcy. We will also help you to understand the advantages and disadvantages of each form of debt relief solution, and we can advise you on money management. You may even need a debt repayment plan, which we can help put in place for you. Our Licensed Insolvency Trustees will also assist in helping you learn how to budget and how to rebuild your credit report for a brighter financial future.
Why Choose Spergel For Debt Relief in Ottawa?
With over thirty years of experience in providing debt help in Ottawa, Spergel has one of the most reputable teams of Licensed Insolvency Trustees in Canada. As the only professionals legally able to administer both bankruptcy and consumer proposals, our bankruptcy trustees will ensure you are on the pathway to a fresh financial future. Whether you need to stop wage garnishment, need advice on money management, or to break your cycle of debt repayment, our caring team will help you. At Spergel, we have an A+ accreditation on the Better Business Bureau, and locations across Canada. Book a free consultation with one of our team to begin your journey to debt help in Ottawa today.