Articles & Insights
Why do I have different credit scores?
Ever checked your credit score on two different apps – only to see two totally different numbers? You’re not alone.
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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
Debt denial: what it is and how to overcome it
Struggling with debt but convincing yourself it’s not a big deal? Burying your head in the sand, hoping it might go away eventually? You might be experiencing debt denial.
Articles & Insights
Can I ignore debt collectors? What really happens if you do
Wondering “can I ignore debt collectors?” Short answer: you can, but it will likely make things worse. Here’s what really happens if you ignore debt collectors in Canada – and what to do instead.
Articles & Insights
Overcoming embarrassment and debt shame
Debt can be a heavy burden to carry, not just financially but emotionally. At Spergel, we know that one of the biggest barriers to seeking help is the embarrassment and debt shame people feel about their financial struggles.
Articles & Insights
How much credit card debt is normal?
If you’re wondering “how much credit card debt is normal?”, you’re not alone.
Articles & Insights
What is a FICO score – and why does it matter in Canada?
If you’ve ever applied for a credit card, car loan, or mortgage, you’ve likely heard the term FICO score.
Articles & Insights
Debt help in Atlantic Canada: why so many are too embarrassed to ask – and what you can do
Struggling with debt can feel isolating – but for many people in Atlantic Canada, it’s a common experience. From rising living costs to mounting credit card balances, thousands are dealing with financial stress every day.
Articles & Insights
If your parents die with debt, who pays it?
When a parent passes away, it’s undoubtedly an emotional time. But along with grief can come uncertainty – especially if they had outstanding debts. A question we hear often at Spergel is: “If your parents die with debt, who pays it?” The answer may surprise you – and reassure you.
Articles & Insights
Signs it’s time to talk to a Licensed Insolvency Trustee
When you’re drowning in debt, it’s hard to know who to trust – or where to turn. You might be trying to budget your way out, avoid calls from creditors, or just get through one more month.
Articles & Insights
Why financial education needs to start earlier: lessons from Canadians facing debt
At a time when more Canadians are struggling with personal debt than ever before, a powerful truth is emerging: financial education is coming too late for many.
Articles & Insights
Spring clean your finances: 5 steps to declutter debt
As the snow melts away and Canadians throw open their windows to let in the fresh air, spring brings a natural sense of renewal.
Articles & Insights
How to pay off high interest debt in Canada
Trying to pay off high interest debt in Canada can feel like running on a treadmill – exhausting, endless, and going nowhere fast.
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