Types of Debt
There are many ways debt can creep in — let’s explore what you’re dealing with so you can move forward with clarity and confidence.
secured & unsecured debts
Things to Know About Different Types of Debt
Student Loan Debt
Government or private loans that are used to pay for your education. If it’s been over 7 years since you finished school, we can help discharge your government student loan debt.
Credit Card Debt
From everyday purchases to emergency spending — if you’re only making minimum payments or juggling multiple cards, we can help reduce or consolidate this debt.
Payday Loan Debt
Short-term loans with sky-high interest rates can quickly spiral out of control. We’ll help break the cycle and find lasting debt relief.
Car Loan Debt
Falling behind on car payments? You may have options to restructure or reduce what you owe without losing your vehicle.
Mortgage Debt
Behind on mortgage payments or struggling with home equity issues? We’ll review your situation and help you protect your home wherever possible.
Line of Credit Debt
This flexible borrowing option can become overwhelming if left unmanaged. Let’s look at how to reduce your payments or consolidate the balance.
CRA Tax Debt
Tax debt can lead to serious consequences like wage garnishment or account freezes. We can negotiate with the CRA and create a manageable payment plan.
Small Business Debt
Have unpaid loans or business-related debts? Whether you’re a sole proprietor or run a corporation, we’ll help explore debt relief that considers both personal and business liabilities.
There’s Always a Way We Can Help You
Book a free call with Spergel today, and let’s map out your next best step toward becoming debt-free.
Find Out How Much You Can Save With a Consumer Proposal!
Discover if reducing your debt by up to 80% is possible. Use our free calculator to explore your options.
No Matter What Type of Debt — There’s a Debt Solution Waiting for You at Spergel
Take the first step and reach out to us. We know it’s hard to do, but we guarantee that we can help.
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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
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How We’ve Helped Others
Every debt story is different — and so is every solution. Here’s what real clients had to say about working with Spergel.
Here’s What to Expect When You Get in Touch
Taking the first step toward debt relief can feel overwhelming — but you don’t have to do it alone.
At Spergel, we make it simple, supportive, and judgment-free from the very beginning. When you reach out, you’ll connect directly with one of our experienced Licensed Insolvency Trustees — never a call centre or middleman. We’ll take the time to understand your unique situation and explain your options clearly. No pressure, no hidden fees — just honest guidance and real support. Here’s what happens when you contact us.
reach out
Use our Quick Form or Book a Call to choose a time that works for you. It’s free, fast, and confidential.
TALK TO AN EXPERT
You’ll meet with your own Licensed Insolvency Trustee who listens, explains your options, and understands your situation.
EXPLORE YOUR OPTIONS
We’ll clearly outline your debt relief choices in simple terms — you’re under no pressure to commit.
Start feeling better
You’ll walk away with a clear plan and peace of mind. Once you file, the relief is immediate — and it’s real.
Spergel BY THE NUMBERS:
Getting Debt Help Closer to Home Is Easy
Life is hard — finding debt help shouldn’t be. We’re located in over 40 offices across Canada.