Articles
Are payday loans illegal?
Payday loans are a controversial form of short-term borrowing, often used by individuals who need quick cash but don’t have access to traditional forms of credit.
Payday Loan 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
Long term payday loans: the consequences
Payday loans are often used by Canadians for their short term, convenient means of accessing funds.
Articles
Payday loans and bankruptcy: everything you need to know
If you have struggled to make everyday payments like bills and to pay off your debts, you may well have considered taking out a payday loan.
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
How do payday loans work?
Payday loans are high-interest loans that are taken out to tide you over for the short term. They get the name ‘payday loan’ from the idea that you will need to repay the loan within your two-week payday cycle.
Articles
What is a payday loan?
If money is tight and you are struggling to repay overwhelming debts or bills, you may be considering a payday loan.
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.