Explore articles, guides, and videos designed to help you understand your debt relief options, protect your assets, and make informed decisions with confidence.
Across Canada, rent increases are straining household budgets and forcing families to make tough financial choices. In many cities, the cost of renting has risen faster than wages, making it harder to afford basic living expenses – let alone get ahead.
Across Canada, rent increases are straining household budgets and forcing families to make tough financial choices.
In today’s economic climate, more and more Canadians are facing a troubling reality: their homes are worth more than ever, but their wallets are emptier than they’ve ever been.
Homeownership can be both a blessing and a burden. If you’re “house rich, cash poor,” meaning your home has appreciated in value, but you’re struggling with high-interest debt or limited monthly income, you may be considering a reverse mortgage as a solution.
Ever checked your credit score on two different apps – only to see two totally different numbers? You’re not alone.
Struggling with debt but convincing yourself it’s not a big deal? Burying your head in the sand, hoping it might go away eventually? You might be experiencing debt denial.
Wondering “can I ignore debt collectors?” Short answer: you can, but it will likely make things worse. Here’s what really happens if you ignore debt collectors in Canada – and what to do instead.
Debt can be a heavy burden to carry, not just financially but emotionally. At Spergel, we know that one of the biggest barriers to seeking help is the embarrassment and debt shame people feel about their financial struggles.
If you’re wondering “how much credit card debt is normal?”, you’re not alone.
If you’ve ever applied for a credit card, car loan, or mortgage, you’ve likely heard the term FICO score.
Struggling with debt can feel isolating – but for many people in Atlantic Canada, it’s a common experience. From rising living costs to mounting credit card balances, thousands are dealing with financial stress every day.
When a parent passes away, it’s undoubtedly an emotional time. But along with grief can come uncertainty – especially if they had outstanding debts. A question we hear often at Spergel is: “If your parents die with debt, who pays it?” The answer may surprise you – and reassure you.
Not sure where to start? Our easy-to-use calculator helps you estimate how much a consumer proposal could reduce your debt.
Don’t take our word for it. See what some of our past clients have said.
It’s also the most important step. Let’s talk — we guarantee that we can help you.
"*" indicates required fields
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.
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.
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
Busy Schedule? Book a Date/Time:
Prefer to Call? Reach Us Here (Toll Free):
Use the map to find a Spergel office near you and connect with a Licensed Insolvency Trustee.
