Explore articles, guides, and videos designed to help you understand your debt relief options, protect your assets, and make informed decisions with confidence.
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.
When you’re drowning in debt, it’s hard to know who to trust – or where to turn. You might be trying to budget your way out, avoid calls from creditors, or just get through one more month.
At a time when more Canadians are struggling with personal debt than ever before, a powerful truth is emerging: financial education is coming too late for many.
As the snow melts away and Canadians throw open their windows to let in the fresh air, spring brings a natural sense of renewal.
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.
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From your phone, you will be connected with one of our Licensed Insolvency Trustees (LITs) during our regular business hours.
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