Articles & Insights
Second bankruptcies in Canada: what you need to know
As you are probably well aware if you are searching for second bankruptcies in Canada, filing bankruptcy is a legal process.
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
Maximum interest rate in Canada – how much can you be charged?
Interest rates can essentially be considered as the ‘cost’ of borrowing money from lenders.
Articles & Insights
Licensed Insolvency Trustee: What is a LIT?
A Licensed Insolvency Trustee (LIT) is a federally licensed and regulated professional that provides debt relief in Canada.
Articles & Insights
Business bankruptcy: options for debt help
The decision to declare bankruptcy is never made lightly – if you are self-employed or own a small business, this decision can become even more complex.
Articles & Insights
How to file bankruptcy online in Canada
Wondering how to file bankruptcy online in Canada? Thankfully, filing bankruptcy or a consumer proposal online yourself is now possible in Canada with Spergel.
Articles & Insights
Consumer proposal reviews and experiences
You have probably already heard about consumer proposals as one of the best formal debt settlement options provided by Licensed Insolvency Trustees if you are looking for consumer proposal reviews.
Articles & Insights
CRA notice of collection: how to act
Receiving a CRA notice of collection can be pretty alarming when you were not expecting it, or if you do not know what to do with it.
Articles & Insights
Bankruptcy lawyer or Licensed Insolvency Trustee?
If you suddenly become insolvent, it can be confusing to understand whether you require a bankruptcy lawyer or a Licensed Insolvency Trustee.
Articles & Insights
Debt collectors: what to do when they contact you
We know how disruptive and frustrating calls from collection agencies and debt collectors can be. If you have had debt in collections for a long time, the chances are debt collectors are calling often. You might even be receiving calls at work.
Articles & Insights
Cosigning a loan – what you need to know beforehand
If you are having difficulty securing a personal loan, or are struggling to secure a competitive interest rate alone, cosigning a loan could be a good option for you.
Articles & Insights
Declaring bankruptcy in Ontario: your go-to guide
Insolvency is generally unplanned and can feel quite overwhelming if you are unfamiliar with the process.
Articles & Insights
What is a home equity loan?
A home equity loan is a loan that is secured by the equity in a property you own. The idea behind a home equity loan is that it is a way to borrow potentially a large amount of money quickly at a low interest rate.
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.