Articles & Insights
Disadvantages of consumer proposals: what are the alternatives?
A consumer proposal is a form of debt relief that is backed by the Canadian government.
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
Canadian bankruptcy law: a guide to each province
In Canada, bankruptcy law is underpinned by a couple of key pieces of federal legislation.
Articles & Insights
Canadian debt collection laws: what can debt collection agencies do?
It is not difficult for debt collectors or collection agencies to make anyone feel nervous, especially when they are calling relentlessly and turning up at the door unexpectedly in order to reclaim owed money.
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Does bankruptcy clear CRA debt?
Owing tax debt can be a stressful situation, particularly if you are struggling to make your repayments.
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Financial hardship: what to do if you are struggling
There are many circumstances in life that can lead to financial hardship.
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Mortgage rate increase: how will I afford it?
It seems like literally everything is going up in price these days in Canada – the price of rent, the cost of living, and of course interest rates on mortgages.
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Payday loans and bankruptcy: everything you need to know
If you have struggled to make everyday payments like bills and to pay off your debts, you may well have considered taking out a payday loan.
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No more debts: how to live a life free from debt
It was recently revealed that households in Canada now owe more than the country’s entire GDP.
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Credit card consolidation: a guide
Battling with unmanageable credit card debt? Got multiple credit cards and finding it difficult to stay on top of each of the payments? Credit card consolidation could be a good option for helping to simplify your debt, along with having a number of other benefits.
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Debt Management Program (DMP) – all you need to know
Are you struggling with overwhelming debt? Owe different debts to a number of different creditors? At Spergel, with over thirty years’ experience of helping Canadians gain debt relief, we understand how stressful this financial situation can be.
Articles & Insights
Hardship assistance in BC: a guide
Unfortunately in Canada these days, it is all too easy to find yourself in over your head with debt.
Articles & Insights
Writ of execution: what is it?
A writ of execution is a formal order issued by a body with judicial jurisdiction, like a court, that puts in force a judgement of possession and instructs the law to begin transferring property as the result of a legal order.
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