Articles & Insights
Envelope budgeting: how it works and how to get started
When you’re juggling bills, debt, and everyday expenses, keeping track of your money can feel overwhelming.
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
Financial stress: its impacts and how taking action can help you rest easier
If you’ve ever lost sleep over money, you’re not alone. According to the 2025 FP Canada Financial Stress Index, nearly half of Canadians say money is their top source of stress – ahead of personal health, work, and relationships.
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Declined for debt consolidation loan? Here’s what to do next
Getting declined for a debt consolidation loan can feel like hitting a dead end – but it’s far from the end of the road.
Articles & Insights
Can debts be written off due to mental illness?
If you’re living with mental illness and struggling with debt, the emotional toll can be huge.
Articles & Insights
Overdue bills: what to do when you can’t keep up
If you’re struggling to keep up with overdue bills, you’re not alone. Rising interest rates, inflation, and the high cost of living have made it harder than ever for Canadians to stay on top of their finances.
Articles & Insights
Debt consolidation alternative: why a consumer proposal could be a smarter solution
If you’re feeling overwhelmed by debt, it’s completely natural to start by searching for debt consolidation loans.
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Using RRSP to pay off debt: is it a good idea?
Facing debt can feel overwhelming, and it’s tempting to consider all available financial resources – including your RRSP – as a way out.
Articles & Insights
Debt relief options for Canadian homeowners: what to do if you have equity
Owning a home in Canada is a significant achievement. However, many homeowners are facing increasing financial pressure due to rising debt levels.
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How does a Licensed Insolvency Trustee get paid?
If you’re exploring debt relief options like a consumer proposal or bankruptcy, you’ve likely discovered the term ‘Licensed Insolvency Trustee (LIT)’.
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Debunking common bankruptcy myths: the truth about debt relief in Canada
Bankruptcy is one of the most misunderstood financial topics, often surrounded by myths and misconceptions.
Articles & Insights
What to expect at a Licensed Insolvency Trustee consultation
If you’re struggling with debt, taking that first step toward getting help can feel overwhelming. At Spergel, we know how stressful it can be just to pick up the phone or click “book a free consultation.” But that one small step to book in a Licensed Insolvency Trustee consultation could make a huge difference.
Articles & Insights
Does filing bankruptcy or a consumer proposal affect your job?
If you’re considering filing for bankruptcy or a consumer proposal, you might be wondering how it could impact your job.
See How Much You Could Save With a Consumer Proposal!
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