No matter whether it is tax debt, credit card debt, or a payday loan cycle that is looming over you, at Spergel we are here to help. We will review your financial circumstances and recommend the best pathway to debt relief for you. From bankruptcy to filing a consumer proposal, we will walk you through your all of your options. Book a free consultation to begin your journey to debt relief.
On January 22, 2025, Canadians will come together for Bell Let’s Talk Day, an initiative designed to spark conversations about mental health. While much of […]
Bell Let’s Talk Day 2025: the links between mental health and financial health More
The holidays are a time of joy and generosity, but for many, they leave behind a less festive gift: debt. Overspending during the season can
As the new year begins, it’s natural to set financial goals that promise a brighter, more secure future. In fact, 60% of Canadians reported having
In recent years, the cost of groceries has steadily increased, placing a strain on household budgets and adding pressure to already tight financial situations. Whether
Debt can feel overwhelming on its own, but when social pressure is added to the mix, managing finances becomes even more challenging. Whether it’s keeping
Creating and sticking to a budget is one of the most effective ways to take control of your finances. Whether you’re looking to save for
Introducing the Spergel resolutions and goals tracker Setting goals and resolutions is a great way to start the year on a positive note, but sticking
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The average cost of living in Canada can vary significantly depending on where you live, making it crucial for individuals and families to understand these
The average cost of living in Canada: a breakdown by province in 2025 More
Inflation continues to be a critical factor shaping the financial landscape in Canada. As we look ahead to 2025, understanding how inflation could impact your
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Introducing the Spergel budget template Managing your finances can be challenging, but with the right tools, it becomes easier to take control of your money
If paying off debt feels overwhelming, you’re not alone. When it comes to managing and eliminating debt, finding a method that works for your unique
In recent years, the reliance on food banks in Canada has surged dramatically, reflecting broader economic challenges faced by individuals and families nationwide. Food bank
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To get the debt help that you need, please bring a list of who you owe and how much to each, a list of everything you own and your monthly household budget. Don’t have everything right away? Don’t worry – We will guide you through each step.
Download FormWe’ll walk you through our application process. But, if you want to prepare for your debt free assessment consultation in advance, download our information form and fill in what you can.
Download FormHow can you compare your debt repayment options if you don’t know how much they will cost you? Your solution will become much clearer when you are able to compare costs.
Debt CalculatorIf you’re ready to be debt free, it’s time to meet with one of our knowledgeable Licensed Insolvency Trustees at your convenience and get started
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