Debt Solutions in Swift Current, SK
Visit us in Swift Current and learn more about our debt-free solutions
Our dedicated and caring local team in Swift Current will be by your side from the first time you call us until you have achieved your goal of debt freedom. At Spergel, you are not passed from one department to the next. You will be guided by the same person throughout your debt relief journey, giving you the personalized attention, you deserve. Chris, our Licensed Insolvency Trustee, value your time and offer appointments at your convenience, even in the evenings and on weekends.
Get Debt Help in Swift Current
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 Swift Current
Chris Galea
Our Swift Current Licensed Insolvency Trustee, Chris, has over twenty years of experience in delivering debt relief.Â
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 Swift Current. 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.Â
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.Â
Outside of the office, Chris enjoys playing pick-up hockey with his friends and spending time with family.
- Toll-Free: 1 (877) 557-7367
- Email: hello@spergel.ca
- Address: 217-12 Cheadle Street West, Swift Current, SK, S9H 0A8
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 Swift Current
Collection Calls in Swift Current
Harassing calls from creditors can feel overwhelming. In Swift Current, Spergel can help stop collection calls legally and quickly through solutions like consumer proposals or bankruptcy. This protection not only ends the constant interruptions but also gives you the breathing room to focus on building a sustainable financial plan without creditor pressure.
Consumer Proposals in Swift Current
A consumer proposal in Swift Current lets you repay only a portion of what you owe, often reducing unsecured debt by up to 80%. This legal process, filed with a Licensed Insolvency Trustee, allows you to keep assets like your car or home while making affordable monthly payments. It’s a practical alternative to bankruptcy that protects you from further interest and collection actions.
Credit Counselling in Swift Current
Many residents of Swift Current turn to credit counselling to better understand their money habits and manage debt. With Spergel’s guidance, you’ll receive a tailored plan to budget effectively, tackle high-interest payments, and avoid financial pitfalls in the future. Counselling can be an essential step toward regaining confidence with your finances while exploring whether options like consumer proposals are a better fit.
Credit Card Debt in Swift Current
High-interest credit card balances can quickly spiral out of control. In Swift Current, our team helps individuals consolidate these debts, reduce interest, and negotiate manageable repayment terms. Whether through a consumer proposal or credit counselling, we work to stop the cycle of minimum payments so you can finally make progress toward becoming debt-free.
CRA Tax Debt in Swift Current
Owing money to the Canada Revenue Agency can feel intimidating, especially when penalties or wage garnishments are threatened. Swift Current residents can rely on Spergel to negotiate with the CRA through legally binding solutions like consumer proposals. Our Licensed Insolvency Trustees protect you from enforcement actions and create a repayment structure that fits your budget, helping you move forward without fear of tax collection.
Debt Consolidation in Swift Current
If you’re juggling multiple debts in Swift Current, debt consolidation can simplify your payments into one affordable monthly amount. While bank consolidation loans aren’t always an option, Spergel offers alternatives like consumer proposals that reduce what you owe and stop interest charges. This approach can help you regain clarity and control over your financial life.
Licensed Insolvency Trustees in Swift Current
As the only professionals in Canada legally authorized to file consumer proposals and bankruptcies, Licensed Insolvency Trustees play a vital role in debt relief. In Swift Current, our Spergel team provide compassionate, judgment-free advice. We’ll assess your situation, explain every option clearly, and walk you through the process so you can make confident decisions about your financial future.
Line of Credit Debt in Swift Current
Lines of credit can feel manageable at first but often grow into large balances with fluctuating interest. In Swift Current, Spergel works with individuals to tackle this debt head-on. By restructuring payments or reducing balances through consumer proposals, we create a sustainable way forward that helps you break free from dependence on borrowed money.
Mortgage Debt in Swift Current
Struggling with mortgage payments is stressful, especially when your home is on the line. In Swift Current, Spergel helps homeowners review options to keep their property while resolving other unsecured debts. By reducing or restructuring credit card or loan payments through a consumer proposal, many find the financial relief needed to stay on top of their mortgage and protect their home.
Payday Loan Debt in Swift Current
Payday loans often carry extremely high interest rates, making it easy to fall into a cycle of borrowing. In Swift Current, Spergel can help stop the payday loan trap with legal solutions that freeze interest and consolidate what you owe. This provides immediate relief, ends relentless collection actions, and puts you on a more stable financial path.
Personal Bankruptcy in Swift Current
For some Swift Current residents, bankruptcy is the most effective path to a clean slate. Filing with a Licensed Insolvency Trustee discharges most unsecured debts and provides legal protection from creditors. While it’s considered a last resort, bankruptcy can give you the fresh start you need, allowing you to rebuild your credit and focus on your future with confidence.
Small Business Debt in Swift Current
Entrepreneurs in Swift Current sometimes face overwhelming business debts that spill over into personal finances. At Spergel, we help small business owners explore restructuring options, negotiate with creditors, or use tools like consumer proposals to manage liabilities. Our goal is to protect your livelihood where possible and create a practical plan that supports both your business and personal financial health.
Student Loan Debt in Swift Current
Student loan repayment can become unmanageable, especially with added living costs. In Swift Current, our Licensed Insolvency Trustees help graduates determine if government programs, budgeting support, or legal solutions like consumer proposals are best. If your loans are older than seven years, they may even be discharged in bankruptcy, giving you a chance to move forward debt-free.
Wage Garnishment in Swift Current
Wage garnishment means part of your paycheque is taken before it even reaches your bank account. For Swift Current residents, Spergel offers immediate protection through legal filings like consumer proposals or bankruptcy. Once in place, garnishments stop, giving you full access to your income again while you follow a structured plan to repay your debts affordably.
Why Choose Spergel?
Spergel has helped more than 100,000 Canadians find real debt relief with honesty and compassion.
In Swift Current, you’ll never be treated like just another file. From the first consultation through to your debt-free finish line, you’ll have one trustee dedicated to your case. We’ll help stop creditor calls, protect your income, and give you the tools to rebuild with confidence.
Take the First Step Toward Debt Freedom in Swift Current
Talking to a Licensed Insolvency Trustee in Swift Current 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 Swift Current? 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.