Canadian Rules & Debt Collection
Understand your rights. Regain your peace of mind.
If you’re being contacted by collection agencies or your wages are being garnished, it can feel overwhelming — but you’re not alone, and there are rules in Canada to protect you. At Spergel, we’re here to explain your rights, help you understand the process, and guide you toward lasting debt relief.
Rules & debt collection
Types of Debt Collection in Canada
Canadian Debt Collection Rules
Clear rules protect your rights while allowing creditors to pursue legitimate debts.
Collection Calls
Agencies may call to recover unpaid debts, but they must follow specific rules.
There’s Always a Way We Can Help You
Book a free, no-obligation consultation with a Licensed Insolvency Trustee. We’ll help you understand what steps you can take to stop collections and start rebuilding.
See How Much You Could Save with a Consumer Proposal
A consumer proposal can reduce your total debt by up to 80% — and stop all collection action, including wage garnishment.
You Deserve Relief from Collection Calls and Wage Garnishment — For Good
We help you take back control. Debt collection pressure can be emotionally and financially draining. If you’re facing calls from collectors or your wages are being garnished, there is a way out. Our team will guide you through your debt relief options and help you feel better about your future.
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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):
What Real Canadians Are Saying
Hear from people who stopped the calls, ended the garnishments, and finally found peace of mind.
Here’s What to Expect When You Reach Out
When you’re overwhelmed by debt, making the first move can feel daunting, but you don’t have to do it alone.
At Spergel, we make it easy to connect with someone who truly understands what you’re going through. From your first conversation, you’ll feel supported, informed, and ready to move toward real relief.
reach out
Use our quick form or book a time with our calendar. Your consultation is 100% free and confidential.
TALK TO AN EXPERT
You’ll meet with an experienced, licensed debt professional who will take the time to understand your unique situation.
EXPLORE YOUR OPTIONS
We’ll walk you through your debt relief options in simple, honest terms, with no pressure to commit to anything.
Start feeling better
You’ll leave with a clear plan and a real sense of hope. Once you take action, the relief starts right away.
Spergel BY THE NUMBERS:
Getting Debt Help Closer to Home Is Easy
We’re located in over 40 offices across Canada, so you can access expert, judgment-free debt help, no matter where you live. Find your local office now to get started.