Debt Solutions in St. Catharines, ON
Debt can take a heavy toll on your life, but real relief is closer than you think.
At Spergel, we provide debt help in St. Catharines that’s straightforward, supportive, and tailored to you. When you connect with your licensed insolvency trustee in St. Catharines, you’ll work directly with them to review every option available — from a consumer proposal to debt consolidation to bankruptcy and more — to find a solution that gives you the fresh start you deserve.
Get Debt Help in St. Catharines
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 St. Catharines
Trevor B. Pringle
Practicing in Hamilton and Southwestern Ontario for more than 20 years, Trevor’s corporate and personal insolvency experience has led to quotes and interviews in both TV and print. Trevor is known for his practical approach, his innovative problem-solving, and his strong belief in providing the best client experience possible.
Trevor’s recent articles and interviews include:
Outside the office, Trevor in the past ran in the 100th Anniversary of the “Around the Bay Road Race” and regularly trail runs in the Dundas Valley.
- Phone: (289) 210-9415
- Toll-Free: 1 (877) 557-7367
- Email: hello@spergel.ca
- Address: 11 Bond Street, Suite #103E, St. Catharines, ON, L2R 4Z4
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 St. Catharines
Collection Calls in St. Catharines
If collection calls are interrupting your day and adding stress, Spergel’s St. Catharines team can help stop the harassment. Filing a consumer proposal or bankruptcy gives you immediate legal protection, ending creditor contact. Our licensed insolvency trustee works with you to understand your situation and put an end to the pressure, so you can focus on rebuilding your financial stability instead of dodging calls.
Consumer Proposals in St. Catharines
A consumer proposal in St. Catharines is a legally binding option to reduce what you owe by up to 80% while keeping your assets. Our licensed insolvency trustee negotiates directly with your creditors, creating a repayment plan you can afford. For many residents, it’s the best alternative to bankruptcy, providing relief from debt while protecting homes, vehicles, and wages.
Credit Counselling in St. Catharines
Credit counselling in St. Catharines gives you the tools to understand your finances, manage debt, and plan for a stronger future. Spergel’s licensed insolvency trustees provide practical advice and strategies, from budgeting to repayment planning. If your debt requires more formal solutions, we’ll help you explore consumer proposals or bankruptcy. The goal is to create a clear path forward that relieves financial stress.
Credit Card Debt in St. Catharines
High-interest credit card balances can grow quickly, leaving you trapped in a cycle of minimum payments. In St. Catharines, Spergel helps reduce or eliminate overwhelming credit card debt through solutions like consumer proposals or bankruptcy. These options stop interest from piling up and replace multiple payments with one manageable plan, helping you regain control and move toward financial stability.
CRA Tax Debt in St. Catharines
Tax debt with the Canada Revenue Agency can be especially intimidating, as the CRA has strong collection powers like wage garnishments or freezing accounts. In St. Catharines, Spergel works with you to resolve CRA tax debt through legally binding options such as a consumer proposal. This not only stops enforcement actions but also provides a structured plan to settle what you owe affordably.
Debt Consolidation in St. Catharines
Debt consolidation in St. Catharines may involve combining multiple balances into one loan or pursuing formal solutions like a consumer proposal. Spergel’s licensed insolvency trustee helps you determine which option makes sense for your situation. By streamlining payments into one affordable plan, you’ll reduce stress, cut interest, and create space to start fresh with your finances.
Licensed Insolvency Trustees in St. Catharines
In St. Catharines, only a licensed insolvency trustee has the authority to file a consumer proposal or bankruptcy on your behalf. At Spergel, you’ll work directly with Trevor B. Pringle, who brings expertise and compassion to each case. He’ll review your debt relief options, explain how they work, and guide you through every step toward financial recovery with clarity and support.
Line of Credit Debt in St. Catharines
When line of credit balances climb higher than expected, interest charges can make repayment difficult. In St. Catharines, Spergel provides debt relief strategies that reduce the burden of unsecured credit lines. Options like consumer proposals consolidate debt into one affordable monthly payment, often lowering the total owed, while protecting your assets and offering peace of mind.
Mortgage Debt in St. Catharines
Struggling to keep up with mortgage payments in St. Catharines can be overwhelming, especially with other debts piling up. While a consumer proposal or bankruptcy doesn’t eliminate mortgage debt, it can free up income by reducing unsecured debt. At Spergel, we help you preserve your home while finding solutions that make overall repayment manageable, giving you breathing room to get back on track.
Payday Loan Debt in St. Catharines
Payday loans often lead to unmanageable cycles of borrowing due to high interest rates. In St. Catharines, Spergel offers ways to break free from payday loan debt with structured debt relief solutions. Filing a consumer proposal or bankruptcy can eliminate multiple payday loans at once, replacing them with one lower payment and stopping interest from growing.
Personal Bankruptcy in St. Catharines
Bankruptcy in St. Catharines may feel daunting, but it can be the fastest route to a debt-free future. Spergel’s licensed insolvency trustee explains the process clearly, including what happens to your assets and income. Bankruptcy provides immediate relief from creditor pressure, stops wage garnishments, and discharges most unsecured debts. With our guidance, you’ll know exactly what to expect from start to finish.
Small Business Debt in St. Catharines
Running a small business in St. Catharines comes with financial risks. If loans, supplier bills, or tax debts are overwhelming your operations, Spergel can help. Our licensed insolvency trustee works with entrepreneurs to restructure or settle business debts through solutions like consumer proposals or bankruptcies, providing a chance to stabilize finances and protect your livelihood.
Student Loan Debt in St. Catharines
Student loan debt can feel like it follows you forever. In St. Catharines, Spergel helps you explore debt relief options based on your eligibility. If it’s been seven years since you left school, filing bankruptcy or a consumer proposal can discharge your student loan debt. Even if you don’t yet qualify, we can reduce other unsecured debts so your payments become more manageable.
Wage Garnishment in St. Catharines
A wage garnishment in St. Catharines means part of your paycheque is automatically redirected to creditors, making it hard to cover daily expenses. Spergel’s licensed insolvency trustee can stop wage garnishments immediately by filing a consumer proposal or bankruptcy. This legal protection ensures you regain control of your income, giving you the stability to meet living costs and start repaying debt on your terms.
Why Choose Spergel?
Choosing where to get debt relief is one of the most important decisions you can make.
At Spergel, we put people first. You’ll always work directly with your St. Catharines licensed insolvency trustee, not an assistant. We know that financial stress doesn’t run on a 9-to-5 schedule, which is why we offer flexible appointment times, including evenings and weekends. Most importantly, we never judge. Our mission is to help you find relief, regain control, and look ahead with confidence.
Take the First Step Toward Debt Freedom in St. Catharines
Talking to a Licensed Insolvency Trustee in St. Catharines 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 St. Catharines? 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.