Explore articles, guides, and videos designed to help you understand your debt relief options, protect your assets, and make informed decisions with confidence.
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.
Trying to pay off high interest debt in Canada can feel like running on a treadmill – exhausting, endless, and going nowhere fast.
If you feel like your money disappears the minute payday hits, zero based budgeting could be the structure you need.
When you’re juggling bills, debt, and everyday expenses, keeping track of your money can feel overwhelming.
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.
Getting declined for a debt consolidation loan can feel like hitting a dead end – but it’s far from the end of the road.
If you’re living with mental illness and struggling with debt, the emotional toll can be huge.
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.
If you’re feeling overwhelmed by debt, it’s completely natural to start by searching for debt consolidation loans.
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.
Monday to Friday 8am – 7pm EST
Saturday 9am – 4pm EST
Sunday 10am – 5pm EST
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