Explore articles, guides, and videos designed to help you understand your debt relief options, protect your assets, and make informed decisions with confidence.
Bankruptcy can seem like an intimidating process, but it does not need to be. At Spergel, our experienced Licensed Insolvency Trustees have been helping Canadians to file bankruptcy for over thirty years, and we are here to help you too.
Struggling with multiple debts that do not ever seem to disappear? Ready to get rid of your debt once and for all? If you are keen to gain debt relief, you may well have heard of both credit counselling and a consumer proposal.
A consumer proposal is a form of debt relief that is backed by the Canadian government.
In Canada, bankruptcy law is underpinned by a couple of key pieces of federal legislation.
It is not difficult for debt collectors or collection agencies to make anyone feel nervous, especially when they are calling relentlessly and turning up at the door unexpectedly in order to reclaim owed money.
Owing tax debt can be a stressful situation, particularly if you are struggling to make your repayments.
There are many circumstances in life that can lead to financial hardship.
It seems like literally everything is going up in price these days in Canada – the price of rent, the cost of living, and of course interest rates on mortgages.
If you have struggled to make everyday payments like bills and to pay off your debts, you may well have considered taking out a payday loan.
It was recently revealed that households in Canada now owe more than the country’s entire GDP.
Battling with unmanageable credit card debt? Got multiple credit cards and finding it difficult to stay on top of each of the payments? Credit card consolidation could be a good option for helping to simplify your debt, along with having a number of other benefits.
Are you struggling with overwhelming debt? Owe different debts to a number of different creditors? At Spergel, with over thirty years’ experience of helping Canadians gain debt relief, we understand how stressful this financial situation can be.
Not sure where to start? Our easy-to-use calculator helps you estimate how much a consumer proposal could reduce your debt.
Don’t take our word for it. See what some of our past clients have said.
It’s also the most important step. Let’s talk — we guarantee that we can help you.
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You can also reach us at one of our office locations phone numbers. See our list below on this page.
From your phone, you will be connected with one of our Licensed Insolvency Trustees (LITs) during our regular business hours.
Monday to Friday 8am – 7pm EST
Saturday 9am – 4pm EST
Sunday 10am – 5pm EST
Not during office hours? Use our Chat on this page 24/7 and get connected for answers and live chat later.
Sometimes a simple email is the way to get things rolling.
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Monday to Friday 8am – 7pm EST
Saturday 9am – 4pm EST
Sunday 10am – 5pm EST
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Use the map to find a Spergel office near you and connect with a Licensed Insolvency Trustee.
