Debt Solutions in North York, ON
Struggling with overwhelming debt doesn’t mean you’re out of options.
If you live in North York, real solutions are closer than you think. From dealing with credit card debt and payday loans to negotiating with the CRA, Spergel offers debt relief in North York that’s practical, effective, and compassionate. We’ll help you understand every option — from consumer proposals to bankruptcy — so you can choose the path that works best for you.
Get Debt Help in North York
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
Your Spergel Trustee In North York
Gillian Goldblatt
Gillian is a genuinely compassionate and caring Licensed Insolvency Trustee. Possessing multiple impressive credentials, Gillian is the Vice-Chair of the Ontario Association of Insolvency and Restructuring Professional’s Consumer Practice Committee. With her wealth of experience, Gillian helps individuals on their journey to debt relief, be it through bankruptcy, consumer proposals, or debt consolidation. You may even see Gillian featured in BNN and the Globe and Mail, offering commentary on her work
- Phone: (877) 317-9499
- Toll-Free: 1-877-557-7367
- Email: hello@spergel.ca
- Address: 200 Yorkland Boulevard, Suite #1100, Toronto, ON, M2J 5C1
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 North York
Collection Calls in North York
If you’re facing relentless collection calls in North York, you don’t have to handle them alone. Legal debt solutions like consumer proposals and bankruptcy instantly stop creditor harassment, giving you peace of mind and a chance to reset.
Consumer Proposals in North York
A consumer proposal in North York is a formal, legally binding way to settle debt for less than what you owe. It freezes interest, consolidates payments, and protects your assets, offering a realistic path out of debt without bankruptcy.
Credit Counselling in North York
Through credit counselling in North York, you’ll get clear, practical advice on managing money, tackling debt, and building healthier habits. It’s a supportive first step if you want to understand your options before committing to a bigger debt solution.
Credit Card Debt in North York
High-interest credit card balances can snowball quickly. In North York, we help people consolidate and reduce this debt through proposals or bankruptcy, turning multiple bills into one affordable plan—and making progress toward becoming debt-free.
CRA Tax Debt in North York
When CRA tax debt builds up in North York, consequences can be serious: frozen accounts, wage garnishments, and penalties. Licensed Insolvency Trustees can step in, negotiate with the CRA, and create a repayment strategy that fits your budget.
Debt Consolidation in North York
Debt consolidation in North York doesn’t just mean a new loan. Options like consumer proposals reduce balances and combine payments into one predictable monthly amount. This approach stops interest and creates a clear timeline to financial recovery.
Licensed Insolvency Trustees in North York
Only a Licensed Insolvency Trustee in North York can administer government-regulated debt solutions like proposals or bankruptcy. With an LIT, you’ll receive regulated, professional guidance and a tailored plan to break free from overwhelming debt.
Line of Credit Debt in North York
Lines of credit may start as a safety net, but interest charges often lead to long-term financial strain. In North York, we help restructure or reduce this debt, making repayment achievable without sacrificing your essentials.
Mortgage Debt in North York
Falling behind on mortgage payments in North York can be frightening. Debt relief tools like proposals may ease other obligations, freeing up funds to keep your home. Trustees help you explore all options to avoid foreclosure.
Payday Loan Debt in North York
Payday loans in North York often come with crushing interest rates that trap borrowers in cycles of repayment. Through debt relief programs, you can stop interest, bundle these loans, and finally break free from payday loan dependence.
Personal Bankruptcy in North York
Bankruptcy in North York is sometimes the most effective way to eliminate debt. It’s a legal process that wipes the slate clean, stops all collection action, and lets you start again, with professional guidance every step of the way.
Small Business Debt in North York
Running a business in North York can bring unexpected financial challenges. Trustees can help restructure small business debt, reduce payments, and explore options that protect both your company and your personal finances.
Student Loan Debt in North York
Student loans can weigh heavily for years. In North York, relief options include consumer proposals or bankruptcy, especially if you’ve been out of school for seven years or more. These solutions can reduce payments and provide breathing room.
Wage Garnishment in North York
A wage garnishment in North York can cut deeply into your income, leaving little for essentials. Filing a proposal or bankruptcy stops garnishments immediately, letting you regain control of your paycheque and plan for long-term recovery.
Why Choose Spergel?
We know that debt is more than numbers; it’s stress, sleepless nights, and hard choices.
That’s why our team in North York focuses on solutions that give you relief now and hope for the future. When you meet with Jeff Adiken, your North York licensed insolvency trustee, you’ll never feel judged or rushed. You’ll leave with a clear plan, whether that’s filing a consumer proposal, negotiating with creditors, or exploring bankruptcy.
Take the First Step Toward Debt Freedom in North York
Talking to a Licensed Insolvency Trustee in North York 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 North York? 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.