Articles & Insights
Consumer proposal Toronto – all you need to know
Struggling to make your monthly payments? In need of debt relief that will substantially reduce your monthly payments?
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
Payment holiday on mortgage – what to do if you are struggling
If you are struggling to make your mortgage payments, you might find a payment holiday on your mortgage helpful.
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Cost difference between bankruptcy and consumer proposal
If you are facing substantial debts and are struggling to make your repayments on time, you may well be considering filing a bankruptcy or a consumer proposal.
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Bankruptcy or consumer proposal from abroad – is it possible?
Do you have Canadian debt while living outside of the country? Considering filing bankruptcy or consumer proposal from abroad? Or considering ignoring it, hoping it will go away?
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Are interest rates going up in Canada?
It can feel unsettling when changes are being made across the country – especially so when the changes can affect each and every one of us.
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How to get rid of credit card debt
For many Canadians, credit cards can quite easily become relied on for most of our finances.
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Household debt in Canada: what to do if yours is high
Headlines have been made recently around Canada’s household debt being higher than any other G7 country.
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Why would a consumer proposal be rejected?
Now we have established that a consumer proposal can be rejected, you are likely wanting to know more about the reasons why.
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Second mortgage to pay off debt – is it worth it?
If you are struggling with crippling debts and do not know how to make your next payment, you may have considered taking out a second mortgage to pay off your debt.
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Rising interest rates and debt – how you can stay in control
The Bank of Canada has recently raised the interest rate to the highest it has been in 22 years.
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What is a conditional discharge in bankruptcy?
Bankruptcy can seem like an intimidating process, but it does not need to be. At Spergel, our experienced Licensed Insolvency Trustees have been helping Canadians to file bankruptcy for over thirty years, and we are here to help you too.
Articles & Insights
Consumer proposal vs credit counselling: which is best?
Struggling with multiple debts that do not ever seem to disappear? Ready to get rid of your debt once and for all? If you are keen to gain debt relief, you may well have heard of both credit counselling and a consumer proposal.
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.
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