Debt Solutions in Regina, SK
Debt doesn’t have to define your tomorrow.
At Spergel, we provide tailored solutions for every situation, from credit card debt and payday loans to CRA tax arrears and student loans. With flexible appointments in Regina — including evenings and weekends — you’ll always have access to the support you need to create a plan that protects your assets and helps you move toward a brighter financial future.
Get Debt Help in Regina
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 Regina
Chris Galea
In Spanish, a debt is known as a “deuda”. Chris has been an LIT for over 20 years and he’s well-versed in bankruptcy, but in his spare time he’s just beginning to learn Spanish.
Studying a new language has taught Chris that learning about bankruptcy can be like learning a new language. Chris takes all the time you need to understand your options so that you can make an informed decision.
When he’s not at the office educating people about bankruptcies and consumer proposals, Chris plays pick-up hockey with his friends and spends time with his family.
- Phone: (306) 988-4953
- Toll-Free: 1 (877) 557-7367
- Email: hello@spergel.ca
- Address: 2010 11th Ave 757, Regina, SK, S4P 0J3
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 Regina
Collection Calls in Regina
If constant collection calls are disrupting your day in Regina, know that you have options. Licensed Insolvency Trustees at Spergel can stop creditor harassment immediately through legal solutions like a consumer proposal or bankruptcy. By protecting you from ongoing calls and letters, we help you focus on regaining control of your finances instead of living in fear of the next phone call.
Consumer Proposals in Regina
A consumer proposal in Regina is a legally binding agreement with your creditors that can reduce unsecured debt by up to 80%. Unlike bankruptcy, you can keep your home, car, and other assets while making affordable monthly payments. Our Licensed Insolvency Trustees guide you through the process, negotiating directly with creditors to create a realistic plan that fits your budget and sets you on the path toward financial freedom.
Credit Counselling in Regina
Struggling to keep track of your spending and monthly obligations? Credit counselling in Regina provides practical guidance for budgeting, money management, and debt repayment strategies. At Spergel, our counsellors review your income and expenses, then suggest tailored solutions. Whether you need advice to prevent insolvency or are considering formal options, credit counselling is often the first step toward regaining confidence with your finances and learning better ways to manage debt long-term.
Credit Card Debt in Regina
High-interest credit card balances can quickly spiral out of control, leaving many Regina residents making only minimum payments without reducing what’s owed. Spergel offers proven strategies like consumer proposals to cut down what you owe while stopping interest. By consolidating debt into one affordable payment, you avoid the endless cycle of charges and start reducing your balance right away. Relief is possible, even if your debt feels overwhelming.
CRA Tax Debt in Regina
Tax debt to the CRA can be intimidating, with threats of wage garnishment, asset freezes, or bank account seizures. In Regina, Spergel’s Licensed Insolvency Trustees help negotiate directly with the CRA to find solutions. Through consumer proposals or bankruptcy, we can stop enforcement actions and create manageable repayment terms. Don’t let tax debt weigh down your financial future; expert help is available to reduce penalties and put you back in control.
Debt Consolidation in Regina
Debt consolidation in Regina allows you to combine multiple unsecured debts into a single, easier-to-manage monthly payment. While bank loans may not always be an option if your credit is impacted, alternatives like consumer proposals offer legal debt consolidation with added benefits, including interest relief and protection from creditors. At Spergel, we assess your unique situation and recommend the best consolidation strategy to help you regain financial stability.
Licensed Insolvency Trustees in Regina
As the only professionals licensed by the federal government to administer insolvency proceedings, Licensed Insolvency Trustees in Regina provide trusted, regulated debt relief solutions. At Spergel, our trustees explain all options clearly, from consumer proposals to bankruptcy, so you can make informed decisions. With judgment-free support, we help you stop collection actions, lower debt, and create a sustainable financial plan. Having a licensed trustee on your side makes navigating debt much simpler.
Line of Credit Debt in Regina
Line of credit debt often builds gradually, with flexible borrowing limits leading to persistent balances. Many Regina residents find themselves paying only interest, without reducing the principal. Spergel’s Licensed Insolvency Trustees offer ways to restructure or reduce line of credit debt through legal tools like consumer proposals. By cutting what you owe and consolidating repayment, we create a plan that’s both affordable and effective, helping you break free from reliance on credit.
Mortgage Debt in Regina
Mortgage debt can be especially stressful when paired with other obligations. Falling behind on payments may put your home at risk, but solutions exist in Regina. A consumer proposal can help manage unsecured debts, freeing up cash flow to stay current on your mortgage. At Spergel, we focus on protecting what matters most — your home — while creating a realistic repayment strategy for your overall financial picture.
Payday Loan Debt in Regina
Payday loans often lead to a dangerous cycle, with high interest and fees making it nearly impossible to repay the original balance. In Regina, Spergel helps residents trapped in payday loan debt find relief. With a consumer proposal or bankruptcy, these loans can be consolidated or eliminated, stopping the relentless fees. We provide a structured plan so you can finally escape the payday loan cycle and rebuild your financial future.
Personal Bankruptcy in Regina
When debt becomes unmanageable, personal bankruptcy in Regina offers a legal reset. While often seen as a last resort, it can discharge most unsecured debts and stop collection actions immediately. Spergel’s Licensed Insolvency Trustees ensure you understand your responsibilities and guide you through every step of the process. Our goal is to give you a fresh financial start, free from overwhelming debt and creditor pressure.
Small Business Debt in Regina
Running a small business in Regina can mean taking on loans, credit, or tax obligations that sometimes become unmanageable. If your business debt is threatening your personal finances, Spergel can help. Our Licensed Insolvency Trustees assess whether a consumer proposal, business restructuring, or bankruptcy is best for your situation. With solutions designed to protect both your livelihood and your future, we help business owners move forward with confidence.
Student Loan Debt in Regina
Many graduates in Regina struggle to repay student loans alongside living expenses. If you’ve been out of school for more than seven years, bankruptcy or a consumer proposal can eliminate government student loan debt entirely. If you’re within the seven-year mark, Spergel can still help restructure payments on other debts to free up cash flow. We provide clear, practical solutions so student debt doesn’t hold you back from building your future.
Wage Garnishment in Regina
A wage garnishment in Regina can leave you without enough income to cover basic needs. Spergel’s Licensed Insolvency Trustees can stop garnishments immediately through consumer proposals or bankruptcy filings. Once in place, creditors are legally required to end deductions from your paycheque. This gives you breathing room to focus on rebuilding your finances while still meeting essential living costs. Relief is available, and you don’t have to face it alone.
Why Choose Spergel?
Choosing debt relief in Saskatchewan is about more than numbers; it’s about finding someone you can trust to guide you through stressful times.
At Spergel, you’ll always work directly with a Regina Licensed Insolvency Trustee, never passed from person to person. We offer clear explanations, practical advice, and compassionate service to ensure you feel supported at every stage.
Take the First Step Toward Debt Freedom in Regina
Talking to a Licensed Insolvency Trustee in Regina 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 Regina? 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.