Articles
CRA sending debt letters? Here’s what you should do
We understand how it can feel when you receive threatening letters from the Canada Revenue Agency (CRA), or any creditor for that matter.
CRA & Tax Debt
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
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
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.
Articles
What happens if I owe the CRA a lot of money?
Tax is an important part of society, supporting essential public services and government functions.
Articles
Does bankruptcy clear CRA debt?
Owing tax debt can be a stressful situation, particularly if you are struggling to make your repayments.
Articles
CRA Notice of Assessment: what is it?
You have likely discovered this page if you have recently submitted your tax return and are unsure of what a CRA Notice of Assessment is.
Articles
Tax debt forgiveness in Canada
Struggling with your taxes? Tax bill much higher than you anticipated? You are certainly not alone.
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
How to pay taxes in Canada
Perhaps you have filed your tax returns (or maybe you have not) – and it may be that you owe back taxes to the Canada Revenue Agency (CRA).
Articles
Tax bills too much? Here’s what to do
Unfortunately, many of us end up with a large tax bill each year – and you do not even need to be a tax cheat to find yourself with one.
Articles
How much interest does CRA charge on unpaid taxes?
When it comes to creditors, the Canada Revenue Agency (CRA) has an unrivalled amount of power where consequences for not paying your tax debts are concerned.
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.