However debt feels to you - we’re going to help.
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.
Whatever Debt Help You Need, We Have A Plan to Get You There
Getting out of debt shouldn’t feel overwhelming. At Spergel, we make it simple and supportive every step of the way. Here’s what you can expect when you reach out to us.
Start With A No-Pressure Free Consultation
Discuss Your Needs & Begin Your Debt Help Journey
Receive Continued Support Towards Your Debt Freedom
You’re Not In This Alone — We’re Here to Guide You to Debt Freedom
Getting out of debt can feel like a daunting task, but it doesn’t have to be. Let us support you in your financial journey.
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We Know the Hardest Part Is the First Step
It’s also the most important step. Let’s talk — we guarantee that we can help you.
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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.
Mobile Text Us During Business Hours
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
Let’s Find What Works for You
Busy Schedule? Book a Date/Time:
Prefer to Call? Reach Us Here (Toll Free):
They Said It Best
Don’t take our word for it. See what some of our past clients have said.
The Mental Health Impact of Debt: A Groundbreaking Study
Our research reveals the powerful, often hidden ways financial stress is affecting the mental health of Canadians.
For thousands of Canadians, debt is a silent source of anxiety, lost sleep, and feelings of isolation. Our groundbreaking study, “Debt Load and the Impact to Psychological Wellbeing,” confirms what you’ve been feeling and reveals just how common this struggle is. It’s time to break the stigma and talk about it.
Find the Debt Help That Fits You
Everyone’s financial situation is different — choose the path that best reflects your life right now, and we’ll show you your personalized options. No judgment. Just clarity.
Real Life Isn’t Simple. But We Can Help Make Sense of It
At Spergel, we understand that life doesn’t always go according to plan — and that’s okay.
Whether you’re feeling overwhelmed by debt, unsure where to turn, or simply looking for a fresh financial start, we’re here to help. For over 35 years, we’ve stood beside Canadians through some of their most difficult moments — offering real solutions, not just quick fixes. We take the time to listen, understand your situation, and create a personalized plan to help you move forward with confidence. You’re not just a number to us. You’re a person with a story — and you deserve support that’s honest, respectful, and tailored to you.
We’re Licensed Insolvency Trustees (LITs) Guiding You Towards Debt Freedom
We’ve helped thousands of Canadians just like you become debt-free, and we’re here to walk you through every step of the way.
Our team of Licensed Insolvency Trustees brings both deep expertise and deep empathy to every conversation. They’ll explain your options clearly, answer your questions with care, and work with you to build a path toward a brighter financial future. You’ll always know where you stand, and you’ll never face it alone.
Spergel BY THE NUMBERS:
where to start
What's the First Step for Getting Debt Help?
The first step is to speak to a Licensed Insolvency Trustee.
Licensed Insolvency Trustees (LITs) are the only professionals able to administer the two legal forms of debt relief: a consumer proposal and bankruptcy. At Spergel, our team of experienced Licensed Insolvency Trustees have helped over 100,000 Canadians gain debt relief. We will work with you to discuss your financial circumstances and advise you on the best form of student loan debt relief for you.
Everyone’s Situation is Different. Let’s Talk About You.
Book a free call with Spergel today, and we’ll create a plan with you on how to help.
Get Informed, Feel Empowered
Money Tips, Tools & Trackers, Research, Articles, Media and More!
The Mortgage Renewal Survival Guide
If your mortgage is up for renewal, you’re not alone in feeling the pressure. With soaring interest rates and inflated costs, millions of Canadians are facing significantly higher monthly payments.
Back to School Without the Debt
This e-book, reveals how debt quietly accumulates and how lenders profit from your struggles.
Bankruptcy exemptions by province in 2025
Are you considering filing for bankruptcy? Like many Canadians, you might be under the impression that you lose everything when you file.
Surplus income limits in Canada – updated for 2025
Each year, the Office of the Superintendent of Bankruptcy updates the surplus income limits for individuals filing for bankruptcy in Canada.
Annual / Monthly Budget Tracker
Feeling overwhelmed by your finances? We understand. That’s why we created this free, user-friendly Budget Template.
Unsure about filing for debt relief? Here’s how to feel confident in your next step
Starting the journey to deal with your debt is a big, brave step – but it’s also completely normal to feel unsure about filing for debt relief.
The hidden stress of everyday spending in Canada
Many Canadians worry about major life costs – mortgages, car loans, or tuition – but there’s another, quieter source of financial stress that often gets overlooked: everyday spending.
Debt Load and the Impact to Psychological Wellbeing
Unveiling the mental health impact of debt: a groundbreaking Spergel study exploring the link between debt and mental health.
What Schools Didn’t Teach You About Managing Debt
This e-book, reveals how debt quietly accumulates and how lenders profit from your struggles.
The Real Cost of Borrowing: How Debt Sneaks Up On You
This e-book, reveals how debt quietly accumulates and how lenders profit from your struggles.
From Survival to Stability: How to Budget When Every Dollar Counts
This e-book, reveals how debt quietly accumulates and how lenders profit from your struggles.
Breaking Free: How to Overcome Debt and Reclaim Your Peace of Mind
This e-book, reveals how debt quietly accumulates and how lenders profit from your struggles.
Debt and Relationships: Navigating Financial Struggles as a Couple or Family
This e-book, reveals how debt quietly accumulates and how lenders profit from your struggles.
Rebuilding After Debt: A Step-by-Step Guide to Financial Stability
This e-book, reveals how debt quietly accumulates and how lenders profit from your struggles.
Groceries Budget Tracker
Want to take control of your grocery budget? Our free Groceries Budget Tracker helps you organize expenses, track spending, and stay on top of your finances with ease!
Goal Tracker Template
Want to make this year your best yet? Our free Goal Tracker Template empowers you to set clear goals, track your progress, and stay motivated throughout the year!
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Find a Spergel Office Near You
Use the map to find a Spergel office near you and connect with a Licensed Insolvency Trustee.