Articles
Certificate of Full Performance consumer proposal – what is it?
When you file a consumer proposal, half of the battle is having it accepted by your creditors and the court.
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 bankruptcy affect my spouse?
A key consideration when it comes to filing bankruptcy is whether or not it will affect your family, and if so – how? Thankfully, if you decide to file bankruptcy it does not automatically result in your spouse needing to file bankruptcy too.
Articles
Voluntary surrender of car – is it a good option for getting out of debt?
Given the vast size of our country, for most Canadians a car is an essential asset.
Articles
Tax debt forgiveness in Canada
Struggling with your taxes? Tax bill much higher than you anticipated? You are certainly not alone.
Articles
Filing bankruptcy a second time
Bankruptcy is the legal process of gaining a fresh financial future, and is ideal for Canadians struggling with overwhelming debt. It is the process of assigning any non-exempt assets you might have over to your Licensed Insolvency Trustee.
Articles
What happens after you file bankruptcy?
Bankruptcy is an important form of debt relief in Canada, and offers a fresh financial future for those who need it.
Articles
Payday loan alternative – what are my options?
Payday loans were originally intended as a means of tiding Canadians over by lending a small amount of money until the next paycheque, hence the name ‘payday loans’.
Articles
Tax relief for seniors: all you need to know
For seniors in Canada, filing tax looks a little different to other age groups across the country.
Articles
Chapter 11 bankruptcy: can I file it?
If you have landed on this page, you have likely come across the term ‘chapter 11 bankruptcy’ before. Chapter 11 refers to a chapter of the US Bankruptcy Code, which provides bankruptcy guidance for businesses, partnerships, and proprietorships.
Articles
Buyer’s remorse laws: how they can save you from debt
You have probably heard of the term ‘buyer’s remorse’. It refers to a regret following a purchase that has been made.
Articles
Who can put a lien on your house in Canada?
You may have heard of the term ‘to put a lien’ on something, but you may be unsure as to what this actually means.
Articles
CERB repayment debt: what you need to know
At Spergel, each day we meet hundreds of Canadians each looking for debt relief, advice, and answers on how they can best manage both consumer and corporate debts.
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