Articles
Remove collections from credit report in Canada: a how-to guide
Many of us face occasions where we are not able to pay our bills on time, be it due to a job loss, unexpected medical bills, or even a divorce.
Articles
Knowledge is power, especially when you’re dealing with debt. Get answers, tools, and real-life support all in one place.
Discover More About Debt and Debt Solutions in Canada with Helpful Articles & Debt Advice
Explore articles, guides, and videos designed to help you understand your debt relief options, protect your assets, and make informed decisions with confidence.
Articles
Defer mortgage payment: a guide to deferrals
There are many reasons why many of us struggle at some point to make our mortgage payments on time in Canada. Financial hardship, unexpected expenses, or even economic downturns and an increase in the cost of living are all reasons it may be difficult to make timely mortgage payments.
Articles
How bankruptcy works in Ontario
Bankruptcy is a legal process that allows individuals and businesses in Ontario and the rest of Canada to manage their overwhelming debts and regain financial stability.
Articles
Why does the court have to approve a consumer proposal?
A consumer proposal is Canada’s most popular bankruptcy alternative. It is a legal debt settlement process in line with the Bankruptcy and Insolvency Act, whereby an individual works with a Licensed Insolvency Trustee to suggest an affordable monthly repayment figure to their creditors.
Articles
Consumer proposal FAQs
A consumer proposal is a legal debt settlement option available to Canadians who find themselves overwhelmed by their financial obligations.
Articles
When does CRA freeze bank accounts?
It is all too easy for many of us Canadians to owe tax debt at some point in our lives.
Articles
Duties in bankruptcy law
Bankruptcy is a legal process that allows individuals and businesses facing major financial challenges to gain debt relief and begin a fresh financial future.
Articles
Credit counselling or bankruptcy – which is best?
Dealing with overwhelming debt can be a stressful and challenging experience, but this happens to more Canadians than you might think.
Articles
What is bankruptcy discharge?
Bankruptcy discharge is an incredibly important part of the bankruptcy process in Canada – it is essentially the end goal.
Articles
Do I get my tax refund or will it go to my student loan?
Tax season can be a time of both anticipation and anxiety for many Canadians.
Articles
Credit card payment holiday: all you need to know
Since the COVID-19 pandemic brought unprecedented challenges to individuals and businesses across the world, the Canadian government and financial institutions have implemented various measures to provide relief to those affected financially, or simply facing financial difficulties.
Articles
I owe taxes but can’t pay: what to do
Tax season can be stressful – even more so if you discover you owe money, and will not be receiving a refund.
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.
How We Help Others
Don’t take our word for it. See what some of our past clients have said.
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.
Quick Contact Form
"*" indicates required fields
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):
Find a Spergel Office Near You
Use the map to find a Spergel office near you and connect with a Licensed Insolvency Trustee.