Articles & Insights
Bankruptcy exemptions by province in 2026
Filing for bankruptcy in Canada does not mean you automatically lose everything you own. Bankruptcy exemptions protect certain assets you need for everyday life and work.
Articles & Insights
Knowledge is power, especially when you’re dealing with debt. Get answers, tools, and real-life support all in one place.
Discover more about debt and debt solutions in Canada with helpful articles & debt advice
Explore articles, guides, and videos designed to help you understand your debt relief options, protect your assets, and make informed decisions with confidence.
Articles & Insights
Filing for bankruptcy with no assets in Canada – what happens?
Yes, you can file for personal bankruptcy in Canada even if you have no assets to sell. A Licensed Insolvency Trustee (LIT) will review your debts, income and property, explain what you can keep, and file the paperwork if bankruptcy is right for you.
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Frequently Asked Questions (FAQs) About Debt
Eligibility and Debt What debts can be included in a consumer proposal? Most unsecured debts qualify, including credit cards, lines
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The rising cost of groceries in Canada: the impact on household finances in 2026
Grocery prices in Canada remain a major source of financial pressure for households in 2026.
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Consumer proposal vs debt consolidation: which is better?
If you’re struggling to manage several debts, you may be comparing a consumer proposal vs debt consolidation. Both options can combine multiple debts into one monthly payment, but they work very differently.
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407 ETR debt in Ontario: what happens if you can’t pay? (2026 guide)
Receiving a large 407 ETR bill can be stressful, especially if you’re already struggling with other debts. Whether you’ve missed a payment, recently discovered years of unpaid tolls, or simply can’t afford the balance, it’s important to know that you have options.
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Received a CERB repayment notice? Here’s what to do if you can’t afford it
Although the Canada Emergency Response Benefit (CERB) ended in 2020, some Canadians are still being asked by the Canada Revenue Agency (CRA) to repay benefits after eligibility reviews.
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How to remove collections from your credit report in Canada (2026)
Many Canadians experience financial difficulties at some point in their lives. Whether due to job loss, illness, divorce, rising living costs, or unexpected expenses, falling behind on bills can happen to anyone.
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How to save money on groceries in Canada: 10 practical tips
With grocery prices rising across the country and the cost of living soaring, learning how to coupon in Canada isn’t just a savvy move – it’s a smart way to take control of your spending.
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How to leave a marriage with no money in Canada: a step-by-step guide to financial independence
Leaving a marriage is never easy, but it can feel especially overwhelming if you have little or no money of your own.
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Surplus income limits in Canada – updated for 2026
Each year, the Office of the Superintendent of Bankruptcy (OSB) updates the surplus income limits for individuals filing for bankruptcy in Canada.
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Is Spergel legit? What you need to know before choosing a debt help company
Yes, Spergel is a legitimate Licensed Insolvency Trustee firm in Canada, regulated by the federal government.
This means that Spergel is legally authorized to help Canadians reduce or eliminate debt.
See How Much You Could Save With a Consumer Proposal!
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When you call, you will be connected with one of our Licensed Insolvency Trustees (LITs) during our regular business hours.
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