Debt Help For Stretched Households Facing High Expenses
We help you get out of debt while protecting your security and peace of mind.
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For People Doing Everything They Can to Keep It Together
You’re juggling more than just bills; you’re holding up your whole household. Mortgage or rent payments, childcare and/or pet care, bills — whether you’re solo, part of a couple, or caring for others, the financial load is heavy. You’re doing your best to stay on track, but the pressure is constant.
We see you. You don’t have to choose between protecting your home and protecting your peace of mind. At Spergel, we walk beside you with options that protect what matters most, without judgment and without the jargon.
How We Can Help
Here are the supportive, structured and realistic debt solutions that make all the difference.
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.
You Don’t Have to Carry It All Alone
Taking the first step by reaching out for help is hard, but it can change everything. If you’re juggling bills, housing costs, and the quiet weight of doing it all, we’re here to help you find relief, clarity, and a real way forward.
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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
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Prefer to Call? Reach Us Here (Toll Free):
A Consumer Proposal: How It Protects You
A consumer proposal is one of the most effective debt relief options in Canada.
When bills are piling up and stress is taking a toll at home, a consumer proposal can offer real, lasting relief. It’s not just a financial tool, it’s a way to protect what matters most: your stability, your relationships, and your mental health. If you’re feeling stretched thin, this may be the structured solution you’ve been hoping for.
quick facts
How Consumer Proposals Protect Your Assets:
You keep your home and car
A consumer proposal is designed to reduce your unsecured debt, not take away the roof over your head. You stay in control of the assets you rely on every day.
You reduce your debt by up to 80%
It consolidates your debts into one manageable monthly payment, often significantly less than what you currently owe, without any added interest.
You stop collection calls and gain legal protection
From the moment it’s filed, all wage garnishments, creditor calls, and legal actions must stop. You get peace of mind and space to recover.
FAQ
Common questions from households trying to hold it all together
What if I’m behind on bills but not totally drowning yet?
You don’t need to hit “rock bottom” to get help. If your debt is starting to impact your sleep, your relationships, or your ability to plan ahead, it’s time to explore your options before things get worse.
Can I keep my home if I file a consumer proposal?
Yes. A consumer proposal doesn’t touch secured assets like your home or vehicle, as long as you keep up with those payments. It’s designed to protect what’s important while helping you reduce and restructure your unsecured debts.
What happens if one of us loses income unexpectedly?
Life happens — illness, job loss, parental leave — and it can throw everything off balance. We can help you build a plan that gives you breathing room and stability, even if your household income changes.
Is it possible to lower our monthly payments without losing everything?
Absolutely. Debt relief solutions like a consumer proposal combine what you owe into one manageable monthly payment (often significantly lower) while protecting your assets and stopping interest.
Will this affect both of us if only one of us files?
Not necessarily. If debts are in one person’s name, only that person needs to file. But if you share joint debts, we’ll help you explore the best approach to protect your household and long-term goals.
Get All Your Questions Answered
Whatever you’re carrying, you don’t have to carry it alone.
Real Life Success Story
Transforming FOMO into Financial Freedom: A Budget-Friendly Social Solution
*Based on a real client. For privacy, some details have been altered.
4 Signs You’re Struggling With Financial Burnout
Did you know? Financial stress doesn’t just drain your bank account; it takes a real toll on your energy, relationships, and mental health.
Many Canadians trying to keep up with rising household costs feel like they’re just barely holding it together. If any of the signs below sound familiar, you’re not alone, and it might be time to pause and get support.
sleep
You’re losing sleep over money — worrying about the next bill, mortgage payment, or how to cover unexpected costs.
eating habits
You’re putting off buying essentials like groceries or juggling payments just to stay afloat, even though you’re still working hard.
social life
You’ve started cancelling plans or avoiding people because you’re embarrassed about your finances or just too exhausted to pretend.
mental health
You feel shame, guilt, or fear when you think about money, and it’s starting to impact your confidence, your focus, or your mood.
Get Your Free Household Expense Tracker & Planning Guide
Build a clearer picture of your spending, track priorities, and feel more in control — one step at a time.
Mental Health Study
You’re doing more than managing debt; you’re carrying the weight of a household.
Did you know: nearly 91% of people facing debt experience moderate to extreme levels of stress, and stretched households feel it, too. Whether you’re juggling rising bills, rent or mortgage payments, or just trying to make it to the next paycheque, the mental toll is real.
Does Debt Keep You Up At Night Worrying About Your Family’s Home or Kids’ Futures?
Our Research Findings:
sleep quality
50% of respondents reported difficulty with sleeping.
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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Debt relief options for Canadian homeowners: what to do if you have equity
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How to leave a marriage with no money
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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 Debt Help?
The first step is to speak to a Licensed Insolvency Trustee (LIT).
LITs are Canada’s only professionals legally authorized to file a consumer proposal or bankruptcy. At Spergel, our LITs listen first, then help you choose the right solution. You’ll never be rushed. You’ll always be respected. And you’ll have a real person by your side the entire way.
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
You’re carrying a lot — asking for help shouldn’t add to the weight.
At Spergel, we make getting support feel doable. From the moment you reach out, we meet you with empathy, not judgment. We’ll walk you through everything step by step, with a plan designed around your needs; not pressure, just real solutions from a team that’s helped thousands of Canadians take back control.
Book your consult
Choose a time that works for you using our easy online booking forms. Everything is fully confidential and always free, with no pressure to commit to any solution.
You’ll connect with a debt professional who listens, understands your full financial picture, and helps you feel supported from the start.
We’ll walk you through every debt relief solution that applies to your situation in plain language, at your pace, so you feel confident in your next move.
You’ll leave with a clear direction and the comfort of knowing you’re not alone anymore. The moment you take that first step, your stress starts to lift.