Learning Centre & Debt Help

Just want to ask some questions about the money you owe, or explain your situation, without any obligation? We are here to listen to your debt problems and explain all your options. The path to debt freedom begins here. Contact us and discover how good it feels to be debt free.

Declaring bankruptcy in Ontario Insolvency is generally unplanned and can feel quite overwhelming if you are unfamiliar with the process. Dealing... More
Some say this is the “most wonderful” time of the year – your bank account might disagree. Holiday spending can easily get out of hand. How... More
What Assets Are Exempt From Bankruptcy In Ontario? If you are facing insolvency, you will have many questions. “Will bankruptcy make me lose my... More
You have options, don’t let debt collectors scare you  We know how disruptive and frustrating calls from collection agencies can be. If you’ve... More
Do I Need A Bankruptcy Lawyer? We hear this question often, this is a common query. In most cases, the short answer is no. In Canada, consumer... More
Money Troubles 101 If you’re not looking for the tell-tale signs, you might miss how big a money problem really is. If a debt problem is bigger... More
Cost Differences between debt options shouldn’t worry you, let us explain why! If you’ve spent any time looking into your debt relief options,... More
If the thought of budgeting for school has your stomach in knots, read on for simple money-saving advice. Back to school is a busy time. Your son... More
Every year thousands of Canadians take on student loan debt in order to cover the cost of living and tuition during college or... More
If you’re planning on hitting up a few outdoor summer festivals this year, we’ve got a few tips for you! Summer fun is what the season is all... More
Your long weekend doesn’t have to take you off course if you want to be debt free! A debt-free long weekend sounds pretty easy – just don’t... More
Debt freedom has been our number one priority for over 30 years. 30 years ago, Spergel’s doors were first opened to the public in Toronto. Now,... More

Ready to Become Debt-Free?

If you’re ready to become debt free, it’s time to meet with one of our knowledgeable Licensed Insolvency Trustees at your convenience and get started.