Debt help and consumer proposals in Whitby, ON
If debt is keeping you up at night, you do not have to face it alone.
Speak with a Spergel Licensed Insolvency Trustee about the debts you’re facing and the options available to you. We’ll explain consumer proposals, bankruptcy, and other possible solutions so you can choose your next step.
Free · Confidential · No obligation
Get Debt Help in Oshawa
Debt doesn’t need to control your life. Take the first step today with a free consultation.
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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.
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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
Your Licensed Insolvency Trustee in Whitby
Colin Boulton
Colin has helped people and businesses in Whitby with debt for more than 20 years. As a Licensed Insolvency Trustee and partner at Spergel, he explains the options available and what they could mean for your payments, assets, and responsibilities.
Outside work, Colin trains for and competes in triathlons.
- Phone: (905) 721-8251
- Toll-Free: 1-877-501-4321
- Email: hello@spergel.ca
- Address: 3000 Garden Street, Unit 212, Whitby, ON L1R 2G6
Debt help at our Whitby office
Debt help is available at Spergel’s Garden Street office in Whitby. Our team can review your circumstances and explain the choices you may have, including consumer proposals and bankruptcy.
Our office is in the Whitby Town Square at 3000 Garden Street, Unit 212 (north-west corner of Garden Street and Rossland Road East). Before travelling, call 1-877-501-4321 to discuss appointment availability and ask about building entry or other access arrangements. Ample parking is available in the Whitby Town Square. If you are travelling by bus, the Durham Region Transit trip planner can help you plan a journey to 187 King Street East. Enter your travel date and arrival time, and check the service information before setting off.
At your consultation, we can explain how Ontario bankruptcy exemptions may affect your assets, or how a consumer proposal could address eligible unsecured debt while you maintain payments on secured loans. You can start by phone before deciding whether to visit the office.
Consumer proposals and bankruptcy support in Whitby
Explore the debts and situations we can help you review. Your trustee will explain which options may fit what you owe and what you can afford.
Help with collection calls in Whitby
Understand Ontario collection rules and how a consumer proposal or bankruptcy may stop calls about eligible unsecured debts.
Consumer proposals in Whitby
Explore a legal agreement that can reduce eligible unsecured debt and set repayments based on your circumstances and creditor acceptance.
Credit counselling in Whitby
Get help reviewing your budget, understanding credit use, and considering the debt solutions available to you.
Credit card debt help in Whitby
Review options for high-interest balances when minimum payments make little difference to the amount you owe.
CRA tax debt help in Whitby
Find out how tax arrears, CRA enforcement action and any registered liens affect your debt relief options.
Debt consolidation advice in Whitby
Compare the borrowing costs and repayments of a consolidation loan with alternatives such as a consumer proposal.
Licensed Insolvency Trustees in Whitby
Speak with a federally regulated professional who can explain your options and administer a consumer proposal or bankruptcy.
Line of credit debt help in Whitby
Review options for an unsecured line of credit when interest charges or a growing balance make repayments difficult.
Mortgage debt help in Whitby
Discuss your secured mortgage and other debts to understand what could help with affordability and the risks to your home.
Payday loan debt help in Whitby
Explore ways to address repeated payday borrowing and whether those loans could be included in a formal debt solution.
Personal bankruptcy in Whitby
Understand the bankruptcy process, which debts may be discharged and how Ontario exemptions could affect your assets.
Small business debt help in Whitby
Review business debts and personal guarantees with advice that reflects whether you are self-employed or operate an incorporated company.
Student loan debt help in Whitby
Check when you last stopped studying full-time or part-time to understand government student loan eligibility and other debt options.
Wage garnishment help in Whitby
Find out whether a consumer proposal or bankruptcy could stop the garnishment affecting your pay and what action is needed.
Explore what a consumer proposal could change
Enter your unsecured debt balance to see estimated repayments. No contact details are required to use the calculator.
Why Choose Spergel?
In Oshawa, you’ll receive personalized guidance by working directly with Colin Boulton, your Licensed Insolvency Trustee, from your very first meeting until your debt is resolved.
As consumer proposal experts, we can help you reduce your unsecured debt by up to 80% while protecting important assets like your home and car. With convenient local support, including evening and weekend appointments, getting help is easier than ever. Above all, our compassionate approach ensures you receive support without judgment, understanding the stress that debt can create.
What clients say about getting debt help
Read what clients have shared about working with Spergel, including having their questions answered and understanding their next steps.
Here’s how we work
We’re here to simplify the journey to financial freedom from debt. Here’s what to expect when you reach out:
Start With a No-Pressure Free Consultation
Meet with a Licensed Insolvency Trustee to talk about your debt and your options.
Discuss Your Needs & Begin a Debt Help Solution
Together, we’ll create a plan that’s fair, affordable, and designed for your future.
Receive Continued Support Towards Your Debt Freedom
We’re with you every step of the way, helping you stay on track and rebuild confidence
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Questions about debt help in Whitby
How much does a consumer proposal cost in Whitby?
Your consumer proposal payments depend on your finances and the offer accepted by your creditors. Your trustee reviews your debts, income, expenses, and assets before recommending a repayment amount. Trustee fees are regulated and paid from your proposal payments. Your first consultation with Spergel is free, and we will explain the payments and fees before you decide whether to proceed.
How long does a consumer proposal take in Whitby?
A consumer proposal must be completed within five years, although a shorter term may be possible. Your payment schedule is agreed as part of the proposal, and you can generally pay it off early. Creditors have 45 days after filing to respond or request a meeting under the proposal process. Your trustee will explain how acceptance works and what happens during that period.
Will a consumer proposal or bankruptcy affect my house or car in Ontario?
The effect depends on your assets, their equity and any secured loans. With a consumer proposal, you generally retain your assets while meeting the proposal terms and maintaining payments to secured creditors, such as your mortgage or car lender. In bankruptcy, some assets are protected by federal and Ontario exemptions. Other assets, or their non-exempt value, may need to be paid into the bankruptcy estate. We will review your ownership, equity and loan payments before explaining what each option could mean for you.
What is the difference between debt consolidation and a consumer proposal in Whitby?
A consolidation loan replaces existing debts with a new loan; a consumer proposal is a legal agreement with your unsecured creditors. A loan still requires you to repay the borrowed balance and interest under the new terms. A consumer proposal can reduce eligible unsecured debt and stops interest on the included debts. It also affects your credit record. Compare debt consolidation and consumer proposals, then speak with us about the payments and responsibilities of each option.
Can you stop collection calls or wage garnishment in Whitby?
Filing a consumer proposal or bankruptcy can stop collection calls and wage garnishments for eligible unsecured debts. Booking a consultation alone does not create that legal protection. The effect depends on the debt and the type of garnishment. Tell us if money is already being taken from your pay so we can review the circumstances and explain the available steps.
Can CRA tax debt be included in a consumer proposal in Whitby?
Unsecured CRA tax debt can generally be included in a consumer proposal. The CRA participates as a creditor, and the proposal must follow the legal acceptance process. A registered CRA lien or other enforcement action can change how the debt is treated. Bring your tax statements and any notices so we can explain which debts can be addressed and what may need separate attention.
Do I need to visit your Whitby office in person?
You can start by phone without visiting the office. Call 416-497-1660 or use our online booking form to arrange a free consultation and discuss the appointment options. For an office appointment, ask about availability at 3000 Garden Street, Unit 212, Whitby, ON L1R 2G6. Our team will explain what information to bring and help you plan your visit
Talk through your debt options with our Whitby team
You can ask for help before deciding on a debt solution. Tell us what is happening, and we will explain the options and next steps you can consider.
Not in Whitby? Find debt help closer to home
With over 40 Spergel offices across Canada, you’re never far from the help you need. Many locations also offer evening and weekend appointments, because we believe debt relief should be accessible when you need it most.