Debt Solutions in Oshawa, ON
When financial pressure builds, it can feel like you’re out of options.
In Oshawa, Spergel’s Licensed Insolvency Trustees provide clear, practical solutions to help you move forward with confidence. Whether you’re struggling with credit card balances, CRA tax debt, payday loans, or unpaid bills, we’re here to show you that real debt relief is possible.
Get Debt Help in Oshawa
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 Oshawa
Colin Boulton
Colin understands how easy it is to become overwhelmed by debt, especially in a high-cost city like Oshawa.Â
He has been helping Canadians gain debt help in our Oshawa office for over twenty years, and has a wealth of experience and expertise. Enthusiastic about helping individuals gain debt relief in Oshawa, Colin also helps businesses get their finances in order.Â
Outside of working as a Licensed Insolvency Trustee, Colin is a keen triathlete.
- Phone: (289) 207-5163
- Toll-Free: 1-877-557-7367
- Email: hello@spergel.ca
- Address: 187 King Street East, Suite #103, Oshawa, ON, L1H 1C2
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 Oshawa
Collection Calls in Oshawa
If debt collectors are overwhelming you with calls in Oshawa, Spergel can help. By filing a legal debt solution such as a consumer proposal or bankruptcy, collection activity must stop immediately. This gives you space to focus on resolving your finances without daily harassment or threats from creditors.
Consumer Proposals in Oshawa
A consumer proposal in Oshawa offers an alternative to bankruptcy that reduces unsecured debt and stops interest. This government-approved option lets you repay what you can afford over time, while protecting assets like your home and vehicle. Spergel’s Licensed Insolvency Trustees guide you through every step.
Credit Counselling in Oshawa
For residents of Oshawa, credit counselling can be the first step toward better money management. Our trustees review your income, expenses, and debt obligations to create a practical plan. We also provide education on budgeting and introduce formal solutions, such as consumer proposals, when appropriate.
Credit Card Debt in Oshawa
High interest rates on credit cards can quickly spiral into unmanageable debt. In Oshawa, Spergel helps individuals consolidate balances and reduce the overall amount owed. Whether through a consumer proposal or another legal option, we make it possible to regain control and stop the cycle of minimum payments.
CRA Tax Debt in Oshawa
Owing money to the Canada Revenue Agency can feel daunting. In Oshawa, our trustees negotiate directly with the CRA on your behalf, working to reduce penalties and arrange affordable payments. Legal options like a consumer proposal or bankruptcy also provide protection from collections or bank freezes.
Debt Consolidation in Oshawa
Debt consolidation in Oshawa doesn’t always mean taking out another loan. Through a consumer proposal, you can combine unsecured debts into one reduced monthly payment. Interest charges stop immediately, and creditors are legally bound by the agreement, making repayment clear and sustainable.
Licensed Insolvency Trustees in Oshawa
In Oshawa, only a Licensed Insolvency Trustee can administer federally regulated debt relief options like consumer proposals and bankruptcy. At Spergel, you’ll meet directly with Colin Boulton, who offers compassionate, professional guidance to help you understand your choices and regain financial stability.
Line of Credit Debt in Oshawa
Line of credit debt can creep up quietly, leaving borrowers stuck paying only interest. In Oshawa, Spergel can restructure or significantly reduce this debt. Our solutions stop creditor actions and replace open-ended balances with a clear repayment plan you can manage.
Mortgage Debt in Oshawa
Struggling with mortgage payments in Oshawa puts your home at risk. Spergel helps homeowners explore legal solutions to relieve pressure while keeping their property. From negotiating with creditors to filing a consumer proposal, we make sure you understand the options available to protect your home.
Payday Loan Debt in Oshawa
Payday loans in Oshawa often lead to cycles of borrowing that are hard to escape. Spergel’s Licensed Insolvency Trustees can consolidate payday loan debt into one affordable plan, cutting off high interest rates and providing legal protection so you can break free permanently.
Personal Bankruptcy in Oshawa
Bankruptcy in Oshawa is sometimes the most effective way to get a clean financial slate. Spergel walks you through the process with care, ensuring you know what to expect and how it will impact your assets. Bankruptcy eliminates most unsecured debts and immediately stops collections.
Small Business Debt in Oshawa
Running a business in Oshawa can bring financial risks, especially when debts pile up. Spergel assists small business owners in restructuring obligations, protecting personal assets where possible, and creating repayment strategies. With our support, you can stabilize your operations or close with confidence.
Student Loan Debt in Oshawa
Many people in Oshawa find student loan debt difficult to manage alongside living costs. If it has been at least seven years since you left school, a consumer proposal or bankruptcy can reduce or erase these debts. We help determine your eligibility and best path forward.
Wage Garnishment in Oshawa
Having wages garnished in Oshawa makes it hard to cover everyday expenses. Filing a consumer proposal or bankruptcy through Spergel stops garnishments immediately, by law. This ensures you keep more of your income while tackling debt in a structured, affordable way.
Why Choose Spergel?
In Oshawa, you’ll receive personalized guidance by working directly with Colin Boulton, your Licensed Insolvency Trustee, from your very first meeting until your debt is resolved.
As consumer proposal experts, we can help you reduce your unsecured debt by up to 80% while protecting important assets like your home and car. With convenient local support, including evening and weekend appointments, getting help is easier than ever. Above all, our compassionate approach ensures you receive support without judgment, understanding the stress that debt can create.
Take the First Step Toward Debt Freedom in Oshawa
Talking to a Licensed Insolvency Trustee in Oshawa 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 Oshawa? 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.