Debt Repayment Calculator
Estimate your monthly payments with a consumer proposal — and compare your savings to other options with guidance from a Licensed Insolvency Trustee.
Note: Do not include your mortgage or car loan.
Total Debt Owing:
Total Repayment
Monthly
Total
Monthly
Paying In Full:
Total
Monthly
Want to know your exact savings? We’re here to help
*This calculator gives an estimate of how much you could save with a consumer proposal. Your actual savings may vary based on your income, assets, and debt verification.
We Know the First Step Is the Hardest
And also the most important. You don’t have to navigate this alone — we guarantee we’ll help you find the right path forward.
Quick Contact Form
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Book a Specific Date/Time
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):
What Our Clients Say Means Everything
Real words. Real relief. Real change. See what our clients have to say.
Real Canadians. Real Success — Like Jenna
“I never thought I’d see a way out of the mess I had created. My gambling addiction had spiralled out of control, leaving me and my husband drowning in debt and on the verge of losing everything we had worked for. Turning to Spergel was the best decision we could have made. The team didn’t just help us manage our debt; they offered genuine compassion and a clear path forward. The consumer proposal they crafted allowed us to significantly reduce our debt, and the structured repayment plan gave us hope and a way to rebuild. Most importantly, the support and counselling helped me address my addiction, something I couldn’t have done on my own. Thanks to Spergel, we’ve regained control of our lives and our future.”
– Jenna, Ontario
Jenna’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.
general faq
Support for your life and your future
I want to explore my debt options, but I don’t want to talk to anyone on the phone. What can I do?
You’re not alone — many people prefer to get informed on their own terms. That’s why we offer live chat, email, and online tools so you can learn your options and even start a plan without ever picking up the phone. If and when you’re ready to talk, we’ll be here.
We have a mortgage, bills, pets, and kids — how can we reduce our debt without losing our home?
You’ve taken on a lot, and it’s understandable to feel overwhelmed. The good news is, solutions like a consumer proposal can reduce your debt significantly without risking your home or the stability you’ve worked hard to build. We’ll help protect what matters most while you get back on track.
I’m retired and own my home. Can I still get help with my debt?
Absolutely. Many Canadians with equity are wrongly told they don’t qualify for debt relief — but that’s not true. A Licensed Insolvency Trustee can help you protect your home while reducing what you owe through a plan that fits your retirement income.
I’m self-employed and my income fluctuates. Are there flexible debt solutions for me?
Yes — and you’re not alone. We work with many small business owners and freelancers who need repayment plans that can move with their income. Whether it’s a consumer proposal or another form of debt relief, we’ll build something that works with your unique cash flow, not against it.
Get Your Questions Answered — With a Free Consultation
No pressure. No judgment. Just the honest support you need.