Debt Help For Individuals & Couples
No pressure. No phone calls unless you ask. Just real answers – your way.
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You Deserve Debt Help That Fits Your Life
No judgment. Just answers.
Life’s complicated enough when you’re juggling rent or a mortgage, rising bills, or unexpected expenses, especially if you’re doing it on a single income or managing shared finances with a partner. Whether you’re behind on payments, overwhelmed by credit card debt, or just not sure what to do next, we’re here to help.
Reach out in whatever way works best for you — live chat, text, or email — and we’ll walk you through your options in plain language, at your pace. You’re in control.
Find Out What You Could Save — Without Picking Up the Phone
Try our free debt calculator to estimate how much you could reduce your repayments with a solution like a consumer proposal.
We Know the Hardest Part is the First Step
But it’s also the step that makes all the difference. Whether you’re trying to get out of crushing credit card debt, save your relationship from the strain of financial stress, or just want to feel in control again, we’ve got your back.
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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):
Consumer Proposals: A Smarter Way to Get Out of Debt
When debt becomes overwhelming, a consumer proposal offers a clear, affordable path forward. It’s a legally binding agreement, filed through a Licensed Insolvency Trustee, where you repay only a portion of what you owe (often up to 80% less) through one manageable monthly payment.
Unlike bankruptcy, you keep your assets. And unlike trying to negotiate with creditors on your own, all interest and collection activity must stop by law. No more harassing calls, no more growing balances, just a fresh start, on your terms.
quick facts
Three Reasons Why A Consumer Proposal Makes Sense:
You Keep Your Assets
With a consumer proposal, you don’t lose your car, home, or savings. You protect what matters most while dealing with your debt.
You Only Pay What You Can Afford
Your Licensed Insolvency Trustee will work with you to create a monthly payment that fits your budget — no interest, no surprises.
You’re Protected by Law
Once your proposal is filed, all collection calls, wage garnishments, and legal threats must stop immediately. This is your right under federal legislation.
Ready to Take the First Step?
Text us to connect with a real person who can help. There’s no pressure; just clarity, support, and a path toward relief.
FAQ
Answers to some of your commonly asked questions
We’re a couple — do we have to file together, or can one of us file a consumer proposal or bankruptcy on our own?
No, you don’t have to file together. One partner can file individually if the debt is solely in their name. However, if you share joint debts (like a credit card or line of credit), it’s best to speak with a Licensed Insolvency Trustee to explore the best approach.
Can a consumer proposal help with credit card and line of credit debt?
Yes. Consumer proposals cover most unsecured debt, including credit cards, lines of credit, payday loans, and even tax debt.
Will a consumer proposal affect my partner’s credit score?
Only if the debt is joint. If you file a proposal for debts in your name only, your partner’s credit score and financial standing won’t be impacted.
I’m single and overwhelmed — where do I even begin?
You’re not alone, and the first step is easier than you think. Book a free consultation with a Licensed Insolvency Trustee who can walk you through your options in plain language with no judgment or pressure to commit.
We’re expecting a baby and our debts are piling up — can a proposal help us plan ahead?
Absolutely. A consumer proposal can reduce your monthly payments and give you financial breathing room, so you can focus on your growing family instead of collection calls or mounting interest.
What if we’re separated or divorced — how are shared debts handled?
In separation or divorce, each person remains legally responsible for any joint debts. A Licensed Insolvency Trustee can help you understand how these debts can be resolved fairly, even if your ex-partner isn’t cooperative.
Get All Your Questions Answered
Book a free consultation with Spergel today, and we will calculate a payment plan for you to get started.
Real Life Success Story
Proof That a Fresh Start Is Possible
*Based on a real client. For privacy, some details have been altered.
Mental Health and Debt
Debt isn’t just financial — it’s deeply emotional. According to our 2024 study, 91% of Canadians facing debt reported moderate to extreme stress, with many experiencing sleeplessness (52%) and changes in eating habits (44%).
You’re not alone in this. And you’re not failing: you’re human. Debt relief isn’t just about paying less. For 63% of people, their mental health significantly improved after finding support through insolvency solutions like consumer proposals or bankruptcy.
Is Fear of Judgement or Shame Keeping You From Having a Social Life?
Our Research Findings:
social life
30% of respondents withdrew from social interactions, isolating themselves away from loved ones.
Find out more information that impacts you; read our mental health report.
Real Canadians. Real Results. Real Reviews.
Read the honest stories of debt relief, support, and financial clarity we’ve given to Canadians coast to coast.
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MEET The Team
Get to Know Our ‘Out-of-Office’ Side
Get to know the people behind the guidance; compassionate experts who care about your journey, not just your numbers.
where to start
What’s My First Step for Getting Debt Help?
The first step is simply reaching out to a Licensed Insolvency Trustee.
Book a free, confidential consultation with one of our Licensed Insolvency Trustees. They’ll listen without judgment, explain your options in plain language, and help you take the next right step toward debt relief and peace of mind.
Everyone’s Situation is Different. Let’s Talk About You.
Book a free call with Spergel today. Together, we’ll create a personalized plan to help you move forward with confidence.
Here’s What to Expect When You Reach Out
Getting help with your debt shouldn’t feel overwhelming, and with Spergel, it isn’t.
From the moment you reach out, you’ll be met with compassion, clarity, and a step-by-step plan tailored just for you. No pressure. No judgment. Just real support from a team that’s helped over 100,000 Canadians find a fresh financial start.
Book your consult
Use our General Booking Form or Calendar Booking Form to choose a time that works best for you. It’s 100% confidential and always free.
TALK TO AN EXPERT
You’ll speak with a Licensed Insolvency Trustee who takes the time to understand your full financial picture and answer your questions with care.
EXPLORE YOUR OPTIONS
We’ll clearly explain your personalized debt relief options in plain language, so you can make the decision that feels right for you.
Leave With a Plan — And Peace of Mind
You’ll walk away with a clear, actionable plan and the reassurance that you’re not stuck anymore. Once you take that first step, the relief begins.