Debt Relief in Winnipeg: Licensed Insolvency Trustees
If you are in need of support with your finances and unmanageable debt in Manitoba, our empathetic and experienced debt experts in Winnipeg are here for you. Spergel has one of the most reputable teams of Licensed Insolvency Trustees in Winnipeg, with offices across Canada. You will be assigned your own trustee to walk you through each step of the debt relief process from your first call to filing for a debt solution. Unlike other bankruptcy firms, we do not pass you from person to person.Book an appointment Request a call
Learn more about debt relief in Winnipeg
If you are struggling with debt in Winnipeg, book a free, no-obligation consultation with Spergel. With rising living costs across Canada, more and more individuals are finding themselves in debt. Whether you are best suited to debt consolidation in Winnipeg, a consumer proposal or bankruptcy, we will help you gain financial freedom. Our caring team is here to review your financial circumstances and advise you, no matter how bad you think your situation is. Together, we can reduce your debt by up to 80%. Our Licensed Insolvency Trustee, Chris, will give you the personalized attention you deserve. He also offers flexible appointments to suit you, including in the evenings and on weekends.TALK TO OUR TRUSTEE, Chris Galea
Spergel – Winnipeg
Chris has been a Licensed Insolvency Trustee for over twenty years, and is an expert in all forms of debt relief. He is passionate about educating his clients on different forms of debt relief, from consumer proposals to bankruptcy. He takes all the time you need to understand your options so that you can make the best decision for your situation. When he is not helping Winnipeg residents in need of financial recovery on the path to debt relief, Chris enjoys playing pick-up hockey with friends and spending time with his family.
Consumer Proposals in Winnipeg
If you need debt relief in Winnipeg, bankruptcy is not your only option. In fact, there is a bankruptcy alternative that allows you to keep your assets and reduce your debt by up to 80%. Filing a consumer proposal in Winnipeg is a legal form of debt settlement. It is the process of putting forward a manageable monthly repayment figure. Your Licensed Insolvency Trustee will then negotiate this amount with your creditors. The advantages of consumer proposals include protection from your creditors, the ability to keep your assets, and clearance of interest payments. At Spergel, we have a 99% acceptance rate for the consumer proposals we file. You’ll also receive your own Licensed Insolvency Trustee in Winnipeg to guide you through each step of the consumer proposal process.
Bankruptcy in Winnipeg
Bankruptcy is often a last resort for many Canadians, but sometimes it is necessary to gain a fresh financial start. If you are looking to file bankruptcy in Winnipeg, the team at Spergel have been helping individuals gain debt relief for over thirty years. 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. There are a number of other advantages of bankruptcy, including a stay of proceedings to protect you from your creditors. At Spergel, you will be assigned your own Licensed Insolvency Trustee to walk you through each step of filing bankruptcy. We will help you to determine if bankruptcy in Winnipeg is the best form of debt relief for your unique circumstances. Everyone’s situation is different, so it is best to speak to a bankruptcy trustee in Winnipeg to see how much you could save.
Debt Consolidation in Winnipeg
Debt consolidation in Winnipeg is a great form of debt relief for anyone struggling with multiple unmanageable debts. Debt consolidation loans are the most common form of debt consolidation. They are a great way to simplify your debts into one manageable monthly payment, and often lead to a reduction in interest rate too. Our expert Licensed Insolvency Trustees will explain all you need to know about debt consolidation in Winnipeg. We will help you to understand the risks of each debt relief solution, and can advise on second mortgages to make repayments and debt restructuring too. At Spergel, our Licensed Insolvency Trustees have helped Canadians gain debt relief for over thirty years.
Tax Debt Relief in Winnipeg
It is relatively common for Canadians to encounter tax debt in Winnipeg. Tax debt is often one of the most stressful forms of debt given the power of the Canadian Revenue Agency, but it is important to know that you can gain tax debt relief. It is best to tackle tax debt immediately in order to avoid further consequences from the CRA including wage garnishment. This is where Spergel can help. Our Licensed Insolvency Trustees in Winnipeg will help you to gain tax debt relief, no matter what your financial circumstances. We will stop tax penalties and interest, and reduce your overall tax debt without the consequences.
Wage Garnishment in Winnipeg
On top of the stresses of mounting debt, a wage garnishment in Winnipeg is likely the last thing you need. With a reduced income from your employer, we understand that it is only going to make your debt repayments more difficult. At Spergel, our experienced Licensed Insolvency Trustees can stop your wage garnishment in Winnipeg through a stay of proceedings. This is achieved by filing a legal form of debt relief like a consumer proposal or bankruptcy to offer protection from creditors. Other advantages include stopping interest and penalties on top of your debt. It is important to contact a Winnipeg bankruptcy trustee immediately to stop your wage garnishment and recover your income.
Credit Counselling in Winnipeg
At Spergel, we offer credit counselling in Winnipeg both before and after filing for debt relief, be it a consumer proposal or bankruptcy. First of all, you will be assigned your own bankruptcy trustee to discuss your financial situation to 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. It is insightful information that should help you to manage your finances more comfortably in relation to debt relief. Our experienced Winnipeg Licensed Insolvency Trustees can also work with you to create an affordable debt repayment plan.
Why Choose Spergel For Debt Relief in Winnipeg?
Spergel has one of the most experienced teams of Winnipeg 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 Winnipeg.