Articles & Insights
Rising interest rates and debt – how you can stay in control
The Bank of Canada has recently raised the interest rate to the highest it has been in 22 years.
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Discover More About Debt and Debt Solutions in Canada with helpful articles & debt advice
Explore articles, guides, and videos designed to help you understand your debt relief options, protect your assets, and make informed decisions with confidence.
Articles & Insights
What is a conditional discharge in bankruptcy?
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.
Articles & Insights
Consumer proposal vs credit counselling: which is best?
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.
Articles & Insights
Disadvantages of consumer proposals: what are the alternatives?
A consumer proposal is a form of debt relief that is backed by the Canadian government.
Articles & Insights
Canadian bankruptcy law: a guide to each province
In Canada, bankruptcy law is underpinned by a couple of key pieces of federal legislation.
Articles & Insights
Canadian debt collection laws: what can debt collection agencies do?
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.
Articles & Insights
Does bankruptcy clear CRA debt?
Owing tax debt can be a stressful situation, particularly if you are struggling to make your repayments.
Articles & Insights
Financial hardship: what to do if you are struggling
There are many circumstances in life that can lead to financial hardship.
Articles & Insights
Mortgage rate increase: how will I afford it?
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.
Articles & Insights
Payday loans and bankruptcy: everything you need to know
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.
Articles & Insights
No more debts: how to live a life free from debt
It was recently revealed that households in Canada now owe more than the country’s entire GDP.
Articles & Insights
Credit card consolidation: a guide
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.
See How Much You Could Save With a Consumer Proposal!
Not sure where to start? Our easy-to-use calculator helps you estimate how much a consumer proposal could reduce your debt.
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