Articles & Insights
Consumer proposal vs bankruptcy – what is the difference?
When it comes to gaining debt relief in Canada, there are two common solutions you will come across – bankruptcy and consumer proposals.
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
CRA debt forgiveness – what are the rules?
Tax debt can be a particularly stressful form of debt, given the collection powers of the Canada Revenue Agency (CRA).
Articles & Insights
How to stop wage garnishment in Canada
A wage garnishment can seem like a terrifying prospect. The idea that a portion of your wages will be deducted by your employer to pay off your debt is hardly the most helpful action when you are wading in debt, unsure of how to repay it.
Articles & Insights
Financial help: solutions for your debt problems
With rising inflation and living costs increasing each year, it is common for many of us to need financial help at some point in our lives.
Articles & Insights
Student loan repayment: how to pay your loan off quickly
Student loan debt is an increasingly common debt for many of us nowadays, with more Canadians going to school and picking up debt each year.
Articles & Insights
How can I reduce my debt?
If you have different bills and debts due, it does not take long to begin feeling a little overwhelmed by all the payments you need to make.
Articles & Insights
What to say to collection agency calls
Receiving a phone call from a collection agency can be extremely stressful when you are in need of debt relief. Collection agencies are companies that specialize in recovering unpaid debts from debtors.
Articles & Insights
Surplus income in bankruptcy – what is it?
Questions around surplus income are very common when Canadians are searching for debt relief solutions, or indeed considering filing bankruptcy.
Articles & Insights
Can’t afford car payments – what are my options?
Just behind buying a home, buying a car is for the vast majority of us one of the major purchases we make in our lives.
Articles & Insights
Can I declare bankruptcy and keep my house?
Bankruptcy is an excellent form of debt relief for many, clearing unsecured debt and enabling individuals to have a fresh financial future.
Articles & Insights
Saving for retirement: how to get started
Saving for retirement can be a difficult task when we all have various financial responsibilities.
Articles & Insights
Bankruptcy myths and facts: the top misconceptions revealed
Bankruptcy is one of the most common forms of debt relief in Canada, offering a much needed fresh financial start for many individuals.
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.