General

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.

Articles & Insights
What is a second mortgage in Canada?

What is a second mortgage in Canada?

Struggling with overwhelming debt and considering taking out a second mortgage to assist with your debt? What is a second mortgage? And how can it help?

Overview
Articles & Insights
Secured debt: what is it?

Secured debt: what is it?

When struggling with unmanageable debts or looking into debt relief options like bankruptcy and consumer proposals, some may be surprised to learn that there are two types of debt.

Overview
Articles & Insights
Unsecured debt: what is it?

Unsecured debt: what is it?

When looking into debt relief solutions like bankruptcy or consumer proposals, you may see the terms ‘unsecured debt’ and ‘secured debt’ thrown around.

Overview
Success Stories
Mia's Story

Mia’s Story

Transforming FOMO into Financial Freedom: A Budget-Friendly Social Solution

Read
calculator-small

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.

How We Help Others

Don’t take our word for it. See what some of our past clients have said.

We Know the Hardest Part Is the First Step

It’s also the most important step. Let’s talk — we guarantee that we can help you.

Quick Contact Form

"*" indicates required fields

This field is for validation purposes and should be left unchanged.

Book a Specific Date/Time

Call Us During Business Hours

When you call, you will be connected with one of our Licensed Insolvency Trustees (LITs) during our regular business hours.

Toll Free: 1-877-557-7367

Monday to Friday 8am – 7pm EST

Saturday 9am – 4pm EST

Sunday 10am – 5pm EST

You can also reach us at one of our office locations phone numbers. See our list below on this page.

Mobile Text Us During Business Hours

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.

Email Us

Sometimes a simple email is the way to get things rolling.

Expect a reply from us during our business hours:

Monday to Friday 8am – 7pm EST

Saturday 9am – 4pm EST

Sunday 10am – 5pm EST

Click the button below to reach or use our email address:
hello@spergel.ca

Judgement-Free and Zero Pressure.

Let’s find what works for you

Busy Schedule? Book a Date/Time:

Prefer to Call? Reach Us Here (Toll Free):

Find a Spergel office near you

Use the map to find a Spergel office near you and connect with a Licensed Insolvency Trustee.

Scroll to Top