Explore expert insights, practical tips, and real-life guidance to help you understand how consumer proposals work.
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Helpful articles to guide you through the process, answer your questions, and support your journey to becoming debt-free.
If you’re struggling to manage several debts, you may be comparing a consumer proposal vs debt consolidation. Both options can combine multiple debts into one monthly payment, but they work very differently.
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.
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.
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.
If you’re considering filing for bankruptcy or a consumer proposal, you might be wondering how it could impact your job.
Consumer proposals are a popular form of debt relief for many Canadians, and a great alternative to bankruptcy.
Debt is a reality many Canadians face, and when it becomes overwhelming, finding the right solution to regain financial control is essential.
A consumer proposal is a debt relief solution available to individuals in Canada who are struggling to repay their unsecured debts.
Read how the Thompson family rebuilt their home and bakery after a devastating wildfire in British Columbia.
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.
A veteran’s path to financial stability: Richard’s success story with Spergel
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.
Not sure where to start? Our easy-to-use calculator helps you estimate how much a consumer proposal could reduce your debt.
“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
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.
Don’t take our word for it. See what some of our past clients have said.
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