Debt Relief in Canada

When you are missing payments, relying on credit cards, or struggling with overwhelming debts, it can be stressful and confusing to know what to do and where to turn.

At Spergel, our experienced, dedicated local teams have been offering customized debt solutions to reduce your stress and worry for over 30 years. Our debt free solutions stop collection agency calls and are the only way to effectively stop CRA or any other type of wage garnishment.

Speak with a Licensed Insolvency Trustee to answer all of your questions about debt. We will cover everything from how long a bankruptcy lasts – to how much your debt will be reduced by a consumer proposal – enabling you to make an informed choice. You owe it to yourself.

Jennifer’s Path to Debt Freedom

Jennifer heard the bankruptcy process would ruin her life – she hoped to buy a house someday and didn’t want to ruin her chances. Talking to a Licensed Insolvency Trustee HELPED Jennifer find the courage to review her options and she’s living debt-free today.

Read more stories like Jennifer’s.

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.

You are not alone.

When bills start stacking up it is easy to fall into a state of constant worry and stress about money. You are not alone, and debt relief is available. You’d probably be surprised by the number of friends, family and neighbours who have turned to debt solutions during difficult times. 

For over 30 years, the caring team at Spergel have helped over 100,000 people discover how good it feels to be debt free.