Articles & Insights
How to budget biweekly paycheques: a guide for Canadians
Managing your finances on a biweekly pay schedule can be challenging, especially when many bills and expenses are set to monthly cycles.
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
What happens to your pension if you go bankrupt in Canada?
Getting ready for retirement, but worried about the amount of debt you’re facing? You might be considering your debt relief options, and while filing bankruptcy can feel like a daunting prospect for anyone, it’s important to understand how it affects your financial assets, particularly your pension.
Articles & Insights
Bankruptcy FAQs: everything you need to know
Filing for bankruptcy is a significant decision that can impact your financial future, potentially eliminating your unsecured debts and providing the means for a fresh start. At Spergel, the ‘get rid of debt’ people, we understand that the process of bankruptcy can seem overwhelming and confusing.
Articles & Insights
How to manage anxiety over debt: practical tips for finding peace
Debt is more than just a financial burden – it can be an emotional one, too. It can be a significant source of anxiety for many Canadians.
Articles & Insights
Effective strategies for dealing with debt stress
Dealing with debt can be a daunting experience, often leading to significant stress and anxiety.
Articles & Insights
Debt relief glossary
Navigating the complex world of debt relief can be challenging without a clear understanding of the key terms and concepts involved.
Articles & Insights
Debt free affirmations: transforming financial health with positive thinking
In the modern world, managing your finances can often feel overwhelming, especially when debt becomes a significant part of the equation.
Articles & Insights
Credit card minimum payments: how do they work?
Credit cards are a convenient way to manage purchases and expenses, but it’s essential to understand how credit card payments work to avoid falling into debt traps.
Articles & Insights
Celebrating 35 years of Spergel: a legacy of empathy and financial empowerment
As we celebrate our 35th anniversary at Spergel this week, we reflect on the journey that began with a vision to relieve financial burdens and pave the way for a brighter future for the hundreds of thousands of Canadians we’ve assisted along the way.
Articles & Insights
Emergency financial assistance: what is it?
In times of unexpected financial hardship, emergency financial assistance can be a crucial lifeline. Whether due to sudden job loss, medical emergencies, or unforeseen expenses, many individuals and families find themselves in need of immediate financial support.
Articles & Insights
Can you get a mortgage with bad credit in Canada?
Getting a mortgage with bad credit in Canada may seem challenging, but it’s not impossible.
Articles & Insights
30 year mortgage: what this could mean for you
When it comes to buying a home, one of the most important decisions you’ll face is how to finance it.
See How Much You Could Save With a Consumer Proposal!
Not sure where to start? Our easy-to-use calculator helps you estimate how much a consumer proposal could reduce your debt.
How We Help Others
Don’t take our word for it. See what some of our past clients have said.
We Know the Hardest Part Is the First Step
It’s also the most important step. Let’s talk — we guarantee that we can help you.
Quick Contact Form
"*" indicates required fields
Book a Specific Date/Time
Call Us During Business Hours
When you call, you will be connected with one of our Licensed Insolvency Trustees (LITs) during our regular business hours.
Toll Free: 1-877-557-7367
Monday to Friday 8am – 7pm EST
Saturday 9am – 4pm EST
Sunday 10am – 5pm EST
You can also reach us at one of our office locations phone numbers. See our list below on this page.
Mobile Text Us During Business Hours
From your phone, you will be connected with one of our Licensed Insolvency Trustees (LITs) during our regular business hours.
Monday to Friday 8am – 7pm EST
Saturday 9am – 4pm EST
Sunday 10am – 5pm EST
Not during office hours? Use our Chat on this page 24/7 and get connected for answers and live chat later.
Email Us
Sometimes a simple email is the way to get things rolling.
Expect a reply from us during our business hours:
Monday to Friday 8am – 7pm EST
Saturday 9am – 4pm EST
Sunday 10am – 5pm EST
Click the button below to reach or use our email address:
hello@spergel.ca
Let’s find what works for you
Busy Schedule? Book a Date/Time:
Prefer to Call? Reach Us Here (Toll Free):
Find a Spergel office near you
Use the map to find a Spergel office near you and connect with a Licensed Insolvency Trustee.