E-Books & Guides
What To Say When Debt Collectors Call
Getting a call from a debt collector can feel overwhelming. This guide gives you the exact scripts, tips, and resources you need to stay calm, protect your rights, and take control.
Consumer Proposals: Articles
Explore expert insights, practical tips, and real-life guidance to help you understand how consumer proposals work.
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Read More About Consumer Proposals
Helpful articles to guide you through the process, answer your questions, and support your journey to becoming debt-free.
Articles
House rich, cash poor? Why a consumer proposal may be a smarter option than a reverse mortgage
In today’s economic climate, more and more Canadians are facing a troubling reality: their homes are worth more than ever, but their wallets are emptier than they’ve ever been.
Articles
Reverse mortgage vs consumer proposal: which is the best solution for homeowners?
Homeownership can be both a blessing and a burden. If you’re “house rich, cash poor,” meaning your home has appreciated in value, but you’re struggling with high-interest debt or limited monthly income, you may be considering a reverse mortgage as a solution.
Articles
Does filing bankruptcy or a consumer proposal affect your job?
If you’re considering filing for bankruptcy or a consumer proposal, you might be wondering how it could impact your job.
Articles
Can a consumer proposal be rejected?
Consumer proposals are a popular form of debt relief for many Canadians, and a great alternative to bankruptcy.
Articles
Debt consolidation vs consumer proposal: which is best?
Debt is a reality many Canadians face, and when it becomes overwhelming, finding the right solution to regain financial control is essential.
Articles
Consumer proposal FAQs: everything you need to know
A consumer proposal is a debt relief solution available to individuals in Canada who are struggling to repay their unsecured debts.
Success Stories
The Thompson’s Story
Learn How the Thompson Family Rebuilt Their Home and Bakery After a Devastating Wildfire in British Columbia.
Articles
How long does a consumer proposal last?
When facing unmanageable debts or financial challenges, a consumer proposal can be a lifeline, offering a structured pathway to debt relief and a fresh financial future.
Success Stories
Richard’s Story
A veteran’s path to financial stability: Richard’s success story with Spergel
Articles
What can I keep in a consumer proposal?
Navigating your financial challenges in Canada can feel like a daunting task, but consumer proposals are a viable solution for those seeking relief from overwhelming debts.
Articles
How long after a consumer proposal can I get a mortgage?
A consumer proposal is an excellent form of legal debt relief for many Canadians, and is an increasingly popular bankruptcy alternative.
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.
Real Canadians. Real Success — Like Larissa
“I can’t thank Spergel enough for their support and expertise during one of the toughest times in my life. Their consumer proposal not only reduced my debt significantly but also stopped the constant stress of creditor calls. Now, I’m able to focus on providing a stable future for my children without worrying about money. And, I can now sleep at night! Spergel truly gave me a fresh start.”
– Larissa, Ontario
Larissa’s Story is just one of many
It shows that once you face your debt and get the right help, life can get better – quickly. Discover more Success Stories of Canadians we’ve helped, or reach out to us.
They Said It Best
Don’t take our word for it. See what some of our past clients have said.
Become the Next Success Story With A Consumer Proposal
Let’s find out if you qualify. Contact us to set up a conversation about your situation.
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