Articles & Insights
Is my spouse responsible for my credit card debt?
Debt and relationships can be a challenging topic, and often the two subjects do not go hand in hand.
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Knowledge is power, especially when you’re dealing with debt. Get answers, tools, and real-life support all in one place.
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.
Success Stories
Mrs. S’ Story
Empathetic Resolution for a Vulnerable Client: Spergel Helps Mrs. S Tackle Her High Interest Loan
Articles & Insights
How do payday loans work?
Payday loans are high-interest loans that are taken out to tide you over for the short term. They get the name ‘payday loan’ from the idea that you will need to repay the loan within your two-week payday cycle.
Articles & Insights
Unpaid credit card debt consequences – what are they?
Receiving credit card bills you know you cannot afford is a tough scenario. It can also often escalate – credit card debt can rack up, and it may have a knock on effect on other payments you owe, like payday loans or utility bills.
Articles & Insights
Debt advisors in Canada – what can they help with?
If you are struggling with overwhelming debt, bills that are growing out of control, and loans you know you simply cannot repay, you are probably searching for debt advisors in Canada
Articles & Insights
Causes of bad debt: how Canadians can find themselves in financial difficulty
Nowadays, many Canadians are carrying some form of debt with them.
Articles & Insights
What is a payday loan?
If money is tight and you are struggling to repay overwhelming debts or bills, you may be considering a payday loan.
Success Stories
Alex’s Story
Riding the waves: Alex’s journey from cryptocurrency debt to financial triumph
Articles & Insights
How to pay off Christmas debt
It is January, the holidays have been and gone, and the Christmas credit card bills have landed on your doorstep.
Articles & Insights
Can you keep a credit card with a consumer proposal?
A question that is frequently asked during consumer proposal consultations is ‘can you keep a credit card with a consumer proposal?’ Put simply, yes you can keep a credit card with a consumer proposal.
Articles & Insights
How many times can an individual file bankruptcy?
Ever wondered how many times can an individual file bankruptcy? Perhaps you have already filed bankruptcy once before, and may find yourself in a situation where you are facing overwhelming debt once again.
Articles & Insights
How to create a Christmas budget
Christmas is undoubtedly the most wonderful time of the year – but for most of us, it is also the most expensive time of the year.
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