It will likely come as no surprise to you that Canada is in the midst of a student debt crisis. In a world where the …
Student debt crisis: how to eliminate student loan debt More
In need of debt relief or advice from experienced financial professionals? From debt consolidation to filing bankruptcy and consumer proposals, our team of trustees have been helping Canadians gain debt relief for over thirty years. Explore our Learning Centre for debt relief expertise, or book a free consultation to begin your journey to a fresh financial future.
It will likely come as no surprise to you that Canada is in the midst of a student debt crisis. In a world where the …
Student debt crisis: how to eliminate student loan debt More
If you have filed bankruptcy or are nearing discharge from bankruptcy, you may well be wondering about credit repair in Canada. Once your unsecured debts …
Perhaps you have filed your tax returns (or maybe you have not) – and it may be that you owe back taxes to the Canada …
In order to file bankruptcy in Canada, you need the support of a Licensed Insolvency Trustee who will file for you. Licensed Insolvency Trustees are …
If you are in need of support when it comes to making your CERB repayments, you are certainly not alone. If you are struggling with …
CERB relief: support available for Canadians struggling to make their CERB repayments More
We understand how it can feel when you receive threatening letters from the Canada Revenue Agency (CRA), or any creditor for that matter. The CRA …
At Spergel, we understand that there is nothing worse than feeling strapped for cash. When you need money now, it is too easy to fall …
There’s no denying that Canada can be an expensive place to live, especially if you are living in a city like Toronto or Ottawa, where …
Unfortunately, many of us end up with a large tax bill each year – and you do not even need to be a tax cheat …
If you received Canada Emergency Response Benefit (CERB) but were ineligible for the criteria, you may well have received a notice of redetermination from the …
Notice of redetermination: solutions for when you can’t afford your CERB repayment More
Declaring bankruptcy in Ontario You have probably landed on this page because you are considering filing bankruptcy in Ontario. Perhaps you are struggling financially, and …
Bankruptcy in Ontario: find a Licensed Insolvency Trustee More
When individuals (or businesses) cannot pay their debts, they may choose to file bankruptcy. Bankruptcy is the process of assigning any exempt assets you may …
To get the debt help that you need, please bring a list of who you owe and how much to each, a list of everything you own and your monthly household budget. Don’t have everything right away? Don’t worry – We will guide you through each step.
Download FormWe’ll walk you through our application process. But, if you want to prepare for your debt free assessment consultation in advance, download our information form and fill in what you can.
Download FormHow can you compare your debt repayment options if you don’t know how much they will cost you? Your solution will become much clearer when you are able to compare costs.
Debt CalculatorIf you’re ready to be debt free, it’s time to meet with one of our knowledgeable Licensed Insolvency Trustees at your convenience and get started
Meet with a trustee