Dealing With Tax Debt? Facing A Wage Garnishment?
We Can Help.

Tax debt can be very difficult to manage, and a wage garnishment can cripple your budget. We can get you back on track with a solution for tax debt reduction or complete elimination. Dealing with a wage garnishment? Our debt solutions will stop it immediately to help you get a financial fresh start.

Tax Debt

If you’ve been struggling to repay your income tax debt, or are scared to file your returns for fear of what you owe, it’s time to talk to someone about it. Getting tax debt help is the best way to discover your options and become debt-free.

A common misconception is that bankruptcy or consumer proposals cannot help with tax debt in Canada – they can. It is possible to get a fresh start and free yourself from the burden of tax debt.

The only way to stop the interest and penalties on your tax debt is to talk to a Licensed Insolvency Trustee about debt solutions such as a consumer proposal or bankruptcy. We have the expertise to guide you through the process and give you a financial fresh start.

Debt Freedom Calculator

Reduce your debt by up to 80%

With a Spergel Consumer Proposal, you can reduce what you owe and become debt-free faster.

We’re having trouble calculating your options. For further assistance, you may request a call or use the LiveChat function to contact a Spergel representative who will be able to assist you immediately.

Enter your total unsecured debt. Unsecured debt means debt that is not tied to an asset or collateral like credit cards. Do not include any secured debt (like mortgages, car payments, etc.).
A Spergel Consumer Proposal is structured into monthly payments paid over a period of up to 5 years. You will not pay additional interest or fees during that time.

How To Get Help Resolving Tax Debt

Unfortunately, it is not always easy to resolve a tax debt problem on your own. Especially if you cannot afford the repayment terms on CRA arrears balances that continue to incur interest and penalties.

The most important thing to do is seek help as soon as you know that you won’t be able to repay your tax debt by the deadline. A Licensed Insolvency Trustee will be able to review your situation and provide options for dealing with all of your debt – including any tax debt owed to CRA.

A consumer proposal or a bankruptcy may be the debt solution you need to reduce your interest and get rid of your debt. Both options can reduce or eliminate the income tax debt that you owe, helping you obtain a fresh start.

Don’t Wait for Tax Debt Forgiveness

Rita had both consumer and tax debt. She asked CRA for tax debt forgiveness because her income was really low and she had a medical condition keeping her from work. Next she tried asking her brother for money. She figured her next step would be to obtain and pay off a loan for her tax debt. She didn’t want to consider bankruptcy but it turned out to be her best option. Rita qualified for a low-cost bankruptcy that she could afford and in 9 months she was free from all debt – not just her tax debt.

Wage Garnishment

Have you been served with notice of a wage garnishment for an unpaid debt? You’ve probably never seen one before and you probably don’t know what to do next. Chances are you’re also panicking and experiencing distress while thinking about losing a percentage of your regular paycheque.

You need advice and the best place to start is with a Licensed Insolvency Trustee. Schedule a FREE consultation to review all of your options. We know how to stop a wage garnishment immediately. In fact, the only way to successfully stop a wage garnishment is with the help of a Trustee. If you need help stopping a wage garnishment and dealing with your debt problem – we have the solutions that will lead you to freedom from debt.

Request Information

How To Get Help Resolving A Wage Garnishment

You may have already tried to stop a wage garnishment and found that it isn’t easy to do. Once a creditor has won the right in court to pursue what is owed to them via a payroll deduction, there is very little reason for them to stop and renegotiate with you.

A legal stay of proceedings is the best solution to stopping a wage garnishment. The only way to obtain a stay of proceedings is to file a bankruptcy or a consumer proposal with a Licensed Insolvency Trustee.

To get help resolving a wage garnishment your first step should be to visit a Licensed Insolvency Trustee. Your Trustee will provide you with all of your options and you can decide how you would like to proceed to reclaim your earnings and regain control over your finances. Whether it is a proposal or a bankruptcy, our caring team at Spergel help you through it.

ABOUT SPERGEL

stdClass Object ( [links] => Array ( [0] => stdClass Object ( [href] => https://api.trustpilot.com/v1/business-units/58dc07210000ff00059f77ec/reviews [method] => GET [rel] => business-units-reviews ) [1] => stdClass Object ( [href] => https://api.trustpilot.com/v1/business-units/58dc07210000ff00059f77ec/web-links [method] => GET [rel] => business-units-web-links ) [2] => stdClass Object ( [href] => https://api.trustpilot.com/v1/resources/strings/stars/5 [method] => GET [rel] => resources-strings-stars ) [3] => stdClass Object ( [href] => https://api.trustpilot.com/v1/resources/images/stars/5 [method] => GET [rel] => resources-images-stars ) ) [id] => 58dc07210000ff00059f77ec [displayName] => Spergel [name] => stdClass Object ( [identifying] => spergel.ca [referring] => Array ( [0] => spergel.ca [1] => www.spergel.ca ) ) [websiteUrl] => https://www.spergel.ca [country] => CA [numberOfReviews] => stdClass Object ( [total] => 629 [usedForTrustScoreCalculation] => 610 [oneStar] => 1 [twoStars] => 1 [threeStars] => 1 [fourStars] => 33 [fiveStars] => 593 ) [status] => active [score] => stdClass Object ( [trustScore] => 4.9 [stars] => 5 ) [warning] => The keys ‘stars’ and ‘trustScore’ are removed. Please use the object ‘score’ instead. )

Rated 4.9 out of 5 based on 629 reviews.

Satisfied Debtor

October 19, 2020

I forget how I initially found this company, but however it happened, I was very blessed to end up with an agent / helper named Samantha and she was excellent. Never for even a...

More

customer

October 19, 2020

I had a good customer service and the agent was really helpful.Thankful to you to get me out of debt.

More

Client for Consumer Proposal

October 17, 2020

Totally Satisfying Experience My experience with the Spergel team, from start to finish (up to point of submission) was a totally satisfying experience. They explained everything...

More

customer

October 15, 2020

great people , great service. Hinna was very helpfull and informative in replying all my questions. i already felt better after her advice. i would most definately recommend Hinna...

More

customer

October 15, 2020

I am so glad called Sergel for bankruptcy information. The lady, Hinna, answered my questions to the point. She even took extra work to email me the information I need. I am...

More

customer

October 14, 2020

People are very accommodating and friendly.they show willingness to help to their clients.

More

Imran

October 13, 2020

Spergel is Really professional and helpful I got all my needs and everything updated along my Documents.

More

Alex Watson

October 13, 2020

I had serious personal debt which had increased for decades to the point where I couldn't meet my financial obligations. Spergel understood the circumstances, showed great care...

More

Frequently Asked Questions

Tax Debt Help vs. Debt Forgiveness

Debt forgiveness is something that happens very rarely in the world of lending money. Getting real help and the right advice from a Licensed Insolvency Trustee is the best way to get tax debt help. Getting help as soon as possible is always a good idea, while leaving a tax debt alone can lead to a lot of penalties, interest and even a wage garnishment.

KEEP READING

Who Qualifies For Tax Debt Help

Anyone with Canadian tax debt qualifies for tax debt help in Canada. To file personal bankruptcy in Canada, you must have a minimum of $1,000 in debt – tax or otherwise.

MEET A TRUSTEE

Debt Help Learning Centre

If you’re just starting to explore your options, visit our learning centre to learn from our articles and resources to start on your path to debt freedom, and when you’re ready, our trustees are always available to listen.
hide me