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
Right of offset - what is it?

Right of offset – what is it?

Perhaps you have discovered that your bank has seized money from your bank account to go towards the repayment of a debt that you owe them.

Overview
Articles
Bankruptcy discharge: a guide

Bankruptcy discharge: a guide

If you are looking to eliminate your debts and put a stop to creditors contacting you once and for all, you may well be interested in filing bankruptcy.

Overview
Articles
How long do collections stay on credit report?

How long do collections stay on credit report?

If you have clicked on this article, it is highly likely you are worried about collections, and want to know ‘how long do collections stay on credit report?’ We are often asked this question, which is understandable given the importance of your credit score.

Overview
Purple Calculator

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

This field is for validation purposes and should be left unchanged.

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

Judgement-Free and Zero Pressure.

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.

Scroll to Top