Debt Solutions in Kelowna, BC
If debt is weighing you down, you’re not alone, and you don’t need to face it without support.
At Spergel’s Kelowna office, we specialize in providing debt relief in British Columbia that is practical, compassionate, and effective. From consumer proposals in BC to personal bankruptcy and more debt solutions, we’ll help you explore your options and choose the path that protects your assets, reduces your debt, and gives you a fresh start.
Get Debt Help in Kelowna
Debt doesn’t need to control your life. Take the first step today with a free consultation.
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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
Spergel Trustee In Kelowna
Ashvin Sharma
Ashvin is passionate about helping people both in and out of his office.
As an LIT, he oversees Spergel’s Greater Vancouver Area offices. He prides himself on creating an environment where his clients are comfortable and confident about making decisions concerning their debt.
In addition to helping people discover debt solutions at the office, outside of work, Ashvin serves as a Volunteer Coordinator for “Free-Them”, a Canadian organization committed to raising awareness about human trafficking.
When he is not helping others at work or in his spare time, he enjoys playing sports and spending time with family and friends.
- Phone: (778) 720-0679
- Toll-Free: 1-877-557-7367
- Email: hello@spergel.ca
- Address: 1631 Dickson Avenue, Suite #1100, Kelowna, BC, V1Y 0B5
Find Out How Much You Can Save With a Consumer Proposal!
With a consumer proposal, you can cut unsecured debt by up to 80%. This government-approved solution stops interest, consolidates multiple payments into one affordable plan, and allows you to keep your assets.
Debt help
How We Provide Debt Help in Kelowna
Collection Calls in Kelowna
Dealing with nonstop collection calls in Kelowna can cause unnecessary stress. Spergel helps stop creditor harassment immediately through legal debt relief solutions like consumer proposals or bankruptcy. Once filed, all collection activity must end by law.
Consumer Proposals in Kelowna
A consumer proposal in Kelowna can reduce unsecured debts by up to 80%. This government-regulated process stops interest, consolidates payments, and allows you to keep your assets. Spergel’s trustees negotiate directly with creditors on your behalf.
Credit Counselling in Kelowna
Spergel provides credit counselling in Kelowna to help you understand your financial options. We’ll assess your budget, explain debt relief solutions, and give you practical tools to regain financial control and reduce money-related stress.
Credit Card Debt in Kelowna
Credit card debt in Kelowna often grows due to high interest rates. Spergel helps consolidate and reduce what you owe through consumer proposals or bankruptcy, replacing multiple minimum payments with one affordable monthly plan.
CRA Tax Debt in Kelowna
CRA tax debt in Kelowna can result in frozen bank accounts or wage garnishments. Spergel’s Licensed Insolvency Trustees work with the CRA to reduce or eliminate tax debt using consumer proposals or bankruptcy, while protecting your income.
Debt Consolidation in Kelowna
Debt consolidation in Kelowna simplifies finances by combining multiple payments into one. Unlike traditional loans, a consumer proposal can reduce the overall debt and stop interest, creating a manageable repayment plan that works for you.
Licensed Insolvency Trustees in Kelowna
A Licensed Insolvency Trustee in Kelowna is the only professional legally authorized to file consumer proposals and bankruptcies in Canada. At Spergel, you’ll work directly with a trustee for clear, compassionate debt relief support.
Line of Credit Debt in Kelowna
Line of credit debt in Kelowna can spiral as interest builds. Spergel helps restructure or reduce balances through consumer proposals or bankruptcy, consolidating your debt into one manageable, affordable monthly payment.
Mortgage Debt in Kelowna
If you’re struggling with mortgage debt in Kelowna, Spergel can help explore options to relieve financial pressure. From restructuring debt to filing a consumer proposal, we’ll work to protect your home and your stability.
Payday Loan Debt in Kelowna
Payday loan debt in Kelowna can trap borrowers in a cycle of high interest. Spergel helps stop interest and creditor actions, consolidating payday loans into one reduced monthly payment through consumer proposals or bankruptcy.
Personal Bankruptcy in Kelowna
When debts become overwhelming, personal bankruptcy in Kelowna may provide the fresh start you need. Spergel’s trustees explain the process, handle all legal steps, and stop creditor actions while guiding you to rebuild financially.
Small Business Debt in Kelowna
Running a business in Kelowna isn’t easy, especially when debts mount. Spergel helps small business owners manage or reduce debts through consumer proposals or bankruptcy, often protecting personal assets while planning for recovery.
Student Loan Debt in Kelowna
Student loan debt in Kelowna can weigh heavily on graduates. Spergel helps determine if you qualify for relief, especially if more than seven years have passed since leaving school, using proposals or bankruptcy to reduce payments.
Wage Garnishment in Kelowna
A wage garnishment in Kelowna can make it impossible to meet daily expenses. Filing a consumer proposal or bankruptcy with Spergel stops garnishments immediately by law, letting you regain control of your income.
Why Choose Spergel?
For over 30 years, Spergel has provided debt relief in BC that changes lives.
Unlike other firms, you’ll always work directly with a licensed insolvency trustee in BC, not be passed from person to person. Whether you need to stop collection calls, prevent a wage garnishment, or file a consumer proposal in British Columbia, we’ll explain your options clearly and support you every step of the way.
Take the First Step Toward Debt Freedom in Kelowna
Talking to a Licensed Insolvency Trustee in Kelowna can change everything. Get compassionate, judgment-free advice and a clear plan to take control of your finances today.
Earning the Trust of Each and Every Person We Help
We’ve helped over 100,000 Canadians find relief from debt, and every story matters to us. Here’s what some of our clients have shared about their experiences:
Here’s How We Work
We’re here to simplify the journey to financial freedom from debt. Here’s what to expect when you reach out:
Start With a No-Pressure Free Consultation
Meet with a Licensed Insolvency Trustee to talk about your debt and your options.
Discuss Your Needs & Begin a Debt Help Solution
Together, we’ll create a plan that’s fair, affordable, and designed for your future.
Receive Continued Support Towards Your Debt Freedom
We’re with you every step of the way, helping you stay on track and rebuild confidence
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Not in Kelowna? Find Debt Help Closer to Home
We have offices in over 40 locations across Canada, and we’re even open into the evenings and open on weekends. Why? Because we believe getting debt help should be close to home.