Articles & Insights
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
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
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)’.
Articles & Insights
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.
Articles & Insights
Tax refund and debt: should you use your tax refund to pay off debt?
Every year, millions of Canadians eagerly anticipate their tax refunds. As of March 11, 2025, the Canada Revenue Agency (CRA) reported that the average tax refund issued was approximately $2,000.
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Warning signs of debt: how to spot financial trouble before it’s too late
Debt can be sneaky – it often builds up gradually until it suddenly feels overwhelming.
Articles & Insights
How to budget money on a low income
Budgeting on a low income can feel overwhelming, especially when expenses seem to pile up faster than your earnings.
Articles & Insights
How long do missed payments stay on your credit report?
Your credit report is a crucial reflection of your financial history, and missed payments can leave a lasting mark.
Articles & Insights
Warning signs of bankruptcy: how to recognize red flags and take action
When financial struggles begin to spiral out of control, bankruptcy may seem like the only way out.
Articles & Insights
How to talk about debt with your partner
You share your life with your partner, but this doesn’t always mean it’s easy to be truthful about finances and debt. Debt can be a challenging topic to discuss in any relationship, but open and honest communication about your finances is essential for building trust and a secure future together.
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