Credit Counselling: Getting Started

Learn more about taking the next step with credit counselling.

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What is the First Step to Getting Credit Counselling Help?

If you’re feeling overwhelmed by your bills or unsure where to turn, credit counselling can be a helpful place to start.

It’s not just about budgeting; it’s about having someone listen to your full financial picture and walk you through your options, without pressure. At Spergel, Licensed Insolvency Trustees (LITs) offer credit counselling and legally regulated debt relief solutions.

Whether your situation calls for a basic debt management plan or a more comprehensive solution like a consumer proposal, we’ll help you understand your next best step.

Find Out How Much You Can Save — With a Consumer Proposal

Use our free debt calculator to estimate how much your monthly payments could drop through a consumer proposal, a regulated option that could reduce your total debt by up to 80%.

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The Power of Personalized Guidance

When you speak with a Licensed Insolvency Trustee, you get more than just generic advice.

You gain a trusted partner who will explain every available option and help you choose the one that fits your life best. Whether that’s negotiating lower interest rates or helping you file a legal debt solution, this kind of personalized support can lift a huge weight off your shoulders.

FAQ

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Where to Start — Credit Counselling Programs

Here’s how the process works:

Start with a conversation

Get a full review of your income, debt, and obligations by a Licensed Insolvency Trustee. There’s no judgment, and everything stays confidential.

Learn your options

Understand the difference between debt management plans, consolidation, and legal solutions.

Get clarity without pressure

We’ll explain the pros and cons clearly, so you can make the right choice for your goals.

Know what’s protected

We’ll help you understand what assets stay safe, like your home, vehicle, or RRSPs.

Still Have Questions?

Book a call with Spergel today, and our team of experts will help you understand your options.

Get Started

next step

How Do I Get Started?

The first and most important step is to speak with a Licensed Insolvency Trustee (LIT).

LITs are the only professionals in Canada legally authorized to file formal debt relief solutions (including consumer proposals and bankruptcies), and we’re here to help you explore all your options, not just one. At Spergel, your credit counselling includes:

A free consultation
As many follow-ups as you need
A full review of your finances
A customized debt relief plan
A 99% consumer proposal acceptance rate

Everyone’s Situation is Different. Let’s Talk About Yours.

Book a free call with Spergel today. Together, we’ll create a personalized plan to help you move forward with confidence.

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Real Canadians. Real Success — Like Sarah

“In just three months, tracking my spending became a game-changer. I thought I was budgeting well, but the reality was eye-opening. Spergel helped me realize that the ‘small’ purchases were adding up. Thanks to their guidance, I saved $600 in just two months!”

– Sarah, Ontario

Read Sarah’s Story

Sarah’s Story is just one of many

It shows that once you face your debt and get the right help, life can get better – quickly. Discover more Success Stories of Canadians we’ve helped, or reach out to us.

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