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
Tax debt help: what you need to know

Tax debt help: what you need to know

A big tax bill is never welcome to anyone when it arrives. It often feels even worse if the tax debt is the unexpected result of a mistake in filing, which can often happen.

Overview
Articles
Help with CRA debt

Help with CRA debt

CRA debt refers to tax debt owed to the Canada Revenue Agency (CRA). Sometimes, it can be difficult to pay your taxes and we understand just how stressful this can be.

Overview
Articles
Does bankruptcy stop tax debt in Canada?

Does bankruptcy stop tax debt in Canada?

In Canada, tax debt is a very common occurrence. It is easy for any of us to create, particularly if you have worked an extra job, or taken out RRSP funds early for an emergency or to make a large purchase.

Overview
Articles
Can the CRA garnish your wages?

Can the CRA garnish your wages?

Just like any other creditor, if you owe tax debt to the Canada Revenue Agency, they can – and will – take a number of different actions to try and collect the money they are owed.

Overview
Articles
CRA penalties: a complete guide

CRA penalties: a complete guide

No matter how nervous you are about filing your taxes, it is so important to ensure you file yours on time to avoid a number of consequences.

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