Debt Solutions in Saskatoon, SK

Life in Saskatchewan can bring unexpected financial challenges, and when debt feels overwhelming, knowing where to turn makes all the difference.

At Spergel, we provide judgment-free debt relief in Saskatoon through trusted options like consumer proposals and bankruptcy alternatives. With direct access to a Licensed Insolvency Trustee in Saskatoon, you’ll receive clear, practical guidance to help you regain stability and peace of mind.

Get Debt Help in Saskatoon

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

Chris Galea

Your Spergel Trustee In Saskatoon

Chris Galea

Our Saskatoon Licensed Insolvency Trustee, Chris, has over twenty years of experience in delivering debt relief. 

If you are being threatened with a wage garnishment or harassed by collection calls, Chris will teach you all about your options for debt relief in Saskatoon. If you are struggling to pay your bills and cannot make your debt repayments, Chris will assess your financial situation and advise you on the best debt relief solution for you. These include debt consolidation, consumer proposals, bankruptcy and more, ensuring a bespoke approach for your circumstances. 

Chris offers flexible meeting times to suit you, and has a reassuring approach. No matter how bad you feel your financial situation may be, there is always a debt solution to help you. 

Outside of the office, Chris enjoys playing pick-up hockey with his friends and spending time with family.

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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 Saskatoon

If constant collection calls are making it hard to focus on daily life, you’re not alone. In Saskatoon, our Licensed Insolvency Trustees can step in to stop creditor harassment immediately. Legal protection begins once a consumer proposal or bankruptcy is filed, giving you breathing room to regroup. With support from Spergel, you can replace stressful calls with a clear plan to resolve debt and regain peace of mind.

A consumer proposal in Saskatoon is a government-approved option to reduce what you owe by up to 80%. It lets you repay a portion of your unsecured debts in manageable monthly instalments, while keeping your home, car, and other assets. Our Licensed Insolvency Trustees negotiate directly with your creditors, so you don’t have to. This solution can provide debt relief without bankruptcy, helping you move forward with stability and confidence.

Struggling to get a handle on your budget or debt payments? Credit counselling in Saskatoon can help you understand your options. Our team reviews your income, expenses, and obligations, then suggests realistic strategies to regain balance. From debt repayment plans to advice on managing credit responsibly, counselling provides the tools to prevent future problems. With Spergel’s guidance, you can learn practical skills to take back control of your finances.

High-interest credit card balances can spiral out of control quickly. Many Saskatoon residents find themselves paying only minimum payments without seeing their balance drop. Spergel’s Licensed Insolvency Trustees can explore solutions like a consumer proposal to reduce your total credit card debt and stop interest from piling up. Instead of juggling multiple payments, you’ll have a structured plan to pay off what you can and move toward financial relief.

Owing money to the Canada Revenue Agency (CRA) can feel overwhelming. In Saskatoon, tax debt often comes with penalties, interest, and the threat of wage garnishments or frozen bank accounts. Our Licensed Insolvency Trustees can help negotiate a consumer proposal that includes CRA tax debt, offering significant relief. Once filed, collection actions stop immediately, giving you time and space to resolve your obligations while protecting your income and assets.

Debt consolidation in Saskatoon allows you to combine multiple debts into one simplified payment. Unlike traditional consolidation loans, which still require credit approval, a consumer proposal provides a legal alternative that doesn’t rely on your credit score. Our Trustees can reduce the total amount you owe and set up a payment plan you can actually afford. This structured approach helps you simplify your finances and avoid falling deeper into debt.

Licensed Insolvency Trustees are the only professionals in Canada legally authorized to administer consumer proposals and bankruptcies. In Saskatoon, our Trustees meet you one-on-one to discuss your financial challenges and explain every available option. From protecting assets to stopping collection actions, they provide expert guidance every step of the way. Choosing a Trustee means working with a compassionate, highly trained professional dedicated to helping you achieve lasting debt relief.

Lines of credit can seem helpful at first, but they often turn into long-term debt with little progress made on repayment. Many Saskatoon residents find themselves stuck paying only interest, not the principal. Our Trustees can restructure your line of credit debt through a consumer proposal or bankruptcy, lowering the balance owed and halting additional interest. This approach provides a realistic way to eliminate debt and build financial stability.

For homeowners in Saskatoon, falling behind on mortgage payments can be frightening. Missed payments may lead to foreclosure, putting your home at risk. A Licensed Insolvency Trustee can explore solutions to manage unsecured debt, freeing up income to keep your mortgage current. In many cases, filing a consumer proposal prevents the loss of your home by reducing other debts and easing monthly financial pressure, allowing you to protect your property.

Payday loans are one of the most expensive forms of borrowing, with interest rates that make repayment almost impossible. In Saskatoon, many people find themselves trapped in a cycle of borrowing just to pay off the last loan. A consumer proposal or bankruptcy can include payday loan debt, stopping the cycle for good. Our Trustees can help reduce what you owe and eliminate the stress of predatory lending.

Bankruptcy in Saskatoon may be the right choice if your debts are simply unmanageable. It’s a legal process that can wipe out most unsecured debt while offering immediate protection from creditors. At Spergel, you’ll work directly with a Licensed Insolvency Trustee who explains the steps clearly and guides you through the process. Though often a last resort, bankruptcy can provide the fresh start you need to rebuild financially.

Running a business in Saskatoon comes with risks, and sometimes debt becomes overwhelming. Whether it’s unpaid taxes, supplier bills, or bank loans, small business debt can threaten both your company and personal finances. Our Licensed Insolvency Trustees help owners explore restructuring options, including consumer proposals or business bankruptcy. With the right plan, you can reduce debt, protect key assets, and give your business or yourself the opportunity to recover.

Student loans can follow you for years after graduation, especially when income doesn’t match repayment demands. In Saskatoon, government student loans may be included in a consumer proposal or bankruptcy if you’ve been out of school for more than seven years. For private loans, relief options are more flexible. Our Trustees will review your specific situation and recommend a strategy that provides manageable payments and a clear path forward.

A wage garnishment in Saskatoon means creditors are legally taking money directly from your paycheque. This can make it nearly impossible to cover essential living costs. Filing a consumer proposal or bankruptcy with a Licensed Insolvency Trustee immediately stops garnishments, giving you back control of your income. At Spergel, we help you put an end to garnishments and replace them with a structured plan that fits your financial reality.

Why Choose Spergel?

When it comes to debt relief in Saskatoon, experience and compassion matter.

Our team has helped countless Saskatchewan residents break free from financial stress with customized solutions. Unlike other firms, you’ll never be handed off to different staff; you work directly with your trustee from start to finish. We also offer flexible evening and weekend appointments to fit your schedule, and we pride ourselves on providing empathetic, non-judgmental support.

Take the First Step Toward Debt Freedom in Saskatoon

Talking to a Licensed Insolvency Trustee in Saskatoon 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:

One

Start With a No-Pressure Free Consultation

Meet with a Licensed Insolvency Trustee to talk about your debt and your options.

Two

Discuss Your Needs & Begin a Debt Help Solution

Together, we’ll create a plan that’s fair, affordable, and designed for your future.

Three

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:

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Not in Saskatoon? 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.

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