Articles
Debt denial: what it is and how to overcome it
Struggling with debt but convincing yourself it’s not a big deal? Burying your head in the sand, hoping it might go away eventually? You might be experiencing debt denial.
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
Can I ignore debt collectors? What really happens if you do
Wondering “can I ignore debt collectors?” Short answer: you can, but it will likely make things worse. Here’s what really happens if you ignore debt collectors in Canada – and what to do instead.
Articles
Overcoming embarrassment and debt shame
Debt can be a heavy burden to carry, not just financially but emotionally. At Spergel, we know that one of the biggest barriers to seeking help is the embarrassment and debt shame people feel about their financial struggles.
Articles
How much credit card debt is normal?
If you’re wondering “how much credit card debt is normal?”, you’re not alone.
Articles
The cost of living in Ontario in 2025: what you need to know
Whether you call the province home or are planning a move, understanding the cost of living in Ontario is key to staying financially secure.
Articles
What is a FICO score – and why does it matter in Canada?
If you’ve ever applied for a credit card, car loan, or mortgage, you’ve likely heard the term FICO score.
Articles
Debt help in Atlantic Canada: why so many are too embarrassed to ask – and what you can do
Struggling with debt can feel isolating – but for many people in Atlantic Canada, it’s a common experience. From rising living costs to mounting credit card balances, thousands are dealing with financial stress every day.
Articles
If your parents die with debt, who pays it?
When a parent passes away, it’s undoubtedly an emotional time. But along with grief can come uncertainty – especially if they had outstanding debts. A question we hear often at Spergel is: “If your parents die with debt, who pays it?” The answer may surprise you – and reassure you.
Articles
Signs it’s time to talk to a Licensed Insolvency Trustee
When you’re drowning in debt, it’s hard to know who to trust – or where to turn. You might be trying to budget your way out, avoid calls from creditors, or just get through one more month.
Articles
Why financial education needs to start earlier: lessons from Canadians facing debt
At a time when more Canadians are struggling with personal debt than ever before, a powerful truth is emerging: financial education is coming too late for many.
Articles
Spring clean your finances: 5 steps to declutter debt
As the snow melts away and Canadians throw open their windows to let in the fresh air, spring brings a natural sense of renewal.
Articles
How to coupon in Canada: a beginner’s guide to saving on groceries
With grocery prices rising across the country and the cost of living soaring, learning how to coupon in Canada isn’t just a savvy move – it’s a smart way to take control of your spending.
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.