Overdue bills: what to do when you can’t keep up
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 […]
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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.
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Debt consolidation alternative: why a consumer proposal could be a smarter solution
If you’re feeling overwhelmed by debt, it’s completely natural to start by searching for debt consolidation loans. The idea of rolling multiple payments into one
Debt consolidation alternative: why a consumer proposal could be a smarter solution More
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. At the end
Debt relief options for Canadian homeowners: what to do if you have equity More
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)‘. As the only professionals
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. In Canada, consumer insolvencies in 2024 increased by 11.4% compared
Debunking common bankruptcy myths: the truth about debt relief in Canada More
What to expect at a Licensed Insolvency Trustee consultation
A Q&A with Rob, Licensed Insolvency Trustee at Spergel If you’re struggling with debt, taking that first step toward getting help can feel overwhelming. At
What to expect at a Licensed Insolvency Trustee consultation More
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. Financial stress can be overwhelming,
Does filing bankruptcy or a consumer proposal affect your job? More
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
Tax refund and debt: should you use your tax refund to pay off debt? More
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. If you’re struggling with monthly payments, feeling stressed about money,
Warning signs of debt: how to spot financial trouble before it’s too late More
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. But with the right approach, you
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. Whether it’s a late credit card
How long do missed payments stay on your credit report? More
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. Yet recognizing the warning signs of bankruptcy early
Warning signs of bankruptcy: how to recognize red flags and take action More
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