Debt Solutions in Mississauga, ON
Living with overwhelming debt can feel isolating, but you don’t have to face it alone.
At Spergel, we provide practical, compassionate debt relief in Mississauga for individuals, families, and small businesses. From credit card debt and payday loans to CRA tax arrears, our team is here to explain your options clearly and help you take back control of your finances.
Get Debt Help in Mississauga
Debt doesn’t need to control your life. Take the first step today with a free consultation.
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
Your Spergel Trustee In Mississauga
Chris Galea
Our Mississauga bankruptcy trustee, Chris, has been helping Canadians gain relief from debt for over twenty years.Â
Familiar with all forms of debt help, from bankruptcy to stopping wage garnishments to consumer proposals, Chris has administered it all. He is incredibly patient, working with you to help you understand your debt relief options so that you are empowered to make an informed decision.Â
He realizes there is complex terminology associated with consumer proposals and bankruptcy, and is here to walk you through each step of your journey to debt relief in Mississauga. Outside of the office, Chris enjoys learning Spanish, playing pick-up hockey with friends, and spending quality time with his family.
- Phone: (289) 212-0997
- Toll-Free: 1 (877) 557-7367
- Email: hello@spergel.ca
- Address: 10 Kingsbridge Garden Circle, Suite #707, Mississauga, ON, L5R 3K6
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 Mississauga
Collection Calls in Mississauga
Collection calls in Mississauga can be stressful and have a negative impact on your well-being. With Spergel’s help, creditor calls stop immediately once a legal debt solution like a consumer proposal or bankruptcy is filed. This gives you breathing room to focus on resolving your financial challenges.
Consumer Proposals in Mississauga
A consumer proposal in Mississauga lets you reduce unsecured debts by up to 80%, freeze interest, and consolidate into one affordable monthly payment. It’s a government-approved alternative to bankruptcy that protects your assets and offers a clear path to financial recovery.
Credit Counselling in Mississauga
Spergel offers credit counselling in Mississauga to help you understand your debt options and create a practical budget. Our team provides tools and guidance to manage money more effectively while exploring debt relief solutions tailored to your situation.
Credit Card Debt in Mississauga
High-interest credit card debt in Mississauga can be overwhelming. Spergel’s Licensed Insolvency Trustees can reduce or eliminate your debt through a consumer proposal or bankruptcy, stopping interest and collection calls while replacing multiple payments with one affordable plan.
CRA Tax Debt in Mississauga
If you owe CRA tax debt in Mississauga, you may face wage garnishments or frozen bank accounts. Spergel works directly with the CRA to negotiate repayment through consumer proposals or bankruptcy, giving you protection and peace of mind.
Debt Consolidation in Mississauga
Debt consolidation in Mississauga means combining multiple debts into one payment. Unlike traditional loans, a consumer proposal can reduce the total owed and stop interest. Spergel helps create a plan that fits your budget and simplifies your path to becoming debt-free.
Licensed Insolvency Trustees in Mississauga
A Licensed Insolvency Trustee in Mississauga is the only professional legally qualified to administer consumer proposals and bankruptcies. At Spergel, you’ll work directly with a trustee who provides clear, compassionate support from your first consultation to your financial fresh start.
Line of Credit Debt in Mississauga
Line of credit debt in Mississauga can feel never-ending when you’re only making minimum payments. Spergel helps reduce balances and consolidate payments through legal debt relief options, making repayment affordable and manageable.
Mortgage Debt in Mississauga
Struggling with mortgage debt in Mississauga? Falling behind can put your home at risk. Spergel helps you explore solutions like consumer proposals or bankruptcy to ease financial pressure, protect your property, and create stability for the future.
Payday Loan Debt in Mississauga
Payday loans in Mississauga often trap borrowers in a cycle of high-interest debt. Spergel helps break the cycle by consolidating payday loans into one affordable payment, eliminating interest, and providing legal protection from creditors.
Personal Bankruptcy in Mississauga
If your debt is unmanageable, personal bankruptcy in Mississauga may provide the reset you need. Spergel’s Licensed Insolvency Trustees guide you through the process with care, stopping creditor actions and helping you rebuild your financial health.
Small Business Debt in Mississauga
Owning a small business in Mississauga can come with financial risks. Spergel helps entrepreneurs restructure or reduce business debts, often protecting personal assets, so you can focus on rebuilding and moving your business forward.
Student Loan Debt in Mississauga
Student loan debt in Mississauga can weigh heavily, especially when combined with daily expenses. Spergel helps determine if you qualify for relief through a consumer proposal or bankruptcy, reducing payments and giving you room to breathe financially.
Wage Garnishment in Mississauga
Wage garnishment in Mississauga can make it impossible to cover essential expenses. Filing a consumer proposal or bankruptcy with Spergel stops garnishments immediately, allowing you to keep your income and work toward debt freedom.
Why Choose Spergel?
For over 30 years, Spergel has provided Canadians with debt relief they can trust.
In Mississauga, Chris Galea and our team are committed to offering clear guidance, compassion, and long-term financial strategies. Unlike many firms, you’ll work directly with your licensed insolvency trustee in Mississauga from start to finish, and won’t be passed between staff. We stop collection calls, prevent wage garnishments, and offer solutions like consumer proposals in Mississauga that put you back in control.
Take the First Step Toward Debt Freedom in Mississauga
Talking to a Licensed Insolvency Trustee in Mississauga 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
We’ve been featured in:
Not in Mississauga? Find Debt Help Closer to Home
With over 40 Spergel offices across Canada, you’re never far from the help you need. Many locations also offer evening and weekend appointments, because we believe debt relief should be accessible when you need it most.