Debt Solutions in Toronto (Danforth), ON
Struggling with overwhelming bills can feel like there’s no way out, but the truth is, there are proven solutions available.
At Spergel, we’ve helped thousands of people across the GTA find real debt relief in Toronto through practical, judgment-free support. Whether you’re dealing with credit card balances, payday loans, or tax debt, we’ll work with you to chart the right course toward financial stability.
Get Debt Help in Toronto (Danforth)
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 Toronto (Danforth)
Graeme Hamilton
Graeme has been helping individuals, households, and businesses gain debt relief in Toronto for over ten years. He is passionate about helping people and has worked with hundreds of Toronto residents in need of financial recovery to gain debt relief. Before working as a Licensed Insolvency Trustee, Graeme lived in Cambodia doing volunteer work with NGOs.
- Phone: (877) 557-7972
- Toll-Free: 1 (877) 557-7367
- Email: hello@spergel.ca
- Address: 307A Danforth Avenue, Toronto, ON, M4K 1N7
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 Toronto
Collection Calls in Toronto
Collection calls can be stressful and disruptive, but you have rights. In Toronto, our Licensed Insolvency Trustees can stop creditor harassment immediately by offering legal protection through options like consumer proposals or bankruptcy. Once a plan is in place, collection agencies must communicate with us — not you — giving you peace of mind and space to rebuild your finances.
Consumer Proposals in Toronto
A consumer proposal in Toronto is a practical alternative to bankruptcy that lets you reduce unsecured debts by up to 80%. This legally binding agreement, filed through a Licensed Insolvency Trustee, freezes interest, stops collection calls, and provides one affordable monthly payment. You can protect your home, car, and assets while working toward a fresh financial start.
Credit Counselling in Toronto
Credit counselling in Toronto helps you understand your money habits and create a realistic path to financial stability. Our Trustees provide tailored guidance on budgeting, repayment strategies, and debt management plans. With practical advice and compassionate support, you can take control of your finances, reduce stress, and move closer to debt freedom with confidence.
Credit Card Debt in Toronto
High-interest credit card balances can quickly spiral out of control. In Toronto, our debt relief team offers solutions to reduce or consolidate what you owe, making repayment manageable. Whether through a consumer proposal or another program, you can stop late fees and rising interest charges while regaining financial balance and working toward a debt-free future.
CRA Tax Debt in Toronto
Owing money to the CRA often feels overwhelming because of penalties and interest. In Toronto, our Licensed Insolvency Trustees can negotiate a structured plan to resolve your tax debt while stopping legal actions like wage garnishments or frozen bank accounts. With expert support, you can address your CRA debt confidently and protect your financial well-being.
Debt Consolidation in Toronto
Debt consolidation in Toronto combines multiple debts into a single, manageable monthly payment. This approach can simplify your finances, reduce interest, and relieve stress. While banks may offer consolidation loans, a Licensed Insolvency Trustee can explore legal alternatives like consumer proposals that provide even stronger protection and often greater reductions in the amount you repay.
Licensed Insolvency Trustees in Toronto
Licensed Insolvency Trustees are the only professionals in Toronto legally authorized to file consumer proposals and bankruptcies. At Spergel, our Trustees offer non-judgmental, one-on-one guidance to help you navigate complex debt issues. From stopping collection calls to protecting your assets, we ensure you fully understand your options and regain control of your financial future.
Line of Credit Debt in Toronto
Lines of credit are helpful for emergencies, but ongoing use can lead to mounting balances that feel impossible to repay. In Toronto, we help residents restructure line of credit debt into affordable payments. With options like consumer proposals, you can reduce what you owe, freeze interest, and start moving toward stability without losing your financial footing.
Mortgage Debt in Toronto
Struggling with mortgage payments in Toronto can put your home at risk. Our Trustees work with you to find solutions that relieve financial pressure, whether through restructuring debts, negotiating repayment terms, or exploring formal options like consumer proposals. The goal is to protect your home while creating a repayment plan that fits your circumstances.
Payday Loan Debt in Toronto
Payday loans are notorious for high interest rates and short repayment cycles, often trapping borrowers in endless debt. In Toronto, our Licensed Insolvency Trustees can break this cycle by consolidating payday loan balances into one affordable monthly payment. With legal protection from creditors, you’ll stop the stress of rollover loans and move toward lasting debt relief.
Personal Bankruptcy in Toronto
When debts are unmanageable, personal bankruptcy in Toronto may provide the fresh start you need. Filing through a Licensed Insolvency Trustee can discharge most unsecured debts, stop collection actions, and allow you to rebuild your credit over time. We’ll walk you through the process step by step so you feel supported, informed, and prepared for recovery.
Small Business Debt in Toronto
Running a small business in Toronto often means taking on loans or personal guarantees. If debts become overwhelming, our Trustees can help you review options to protect both your business and personal finances. From restructuring debts to filing a consumer proposal, we create solutions tailored to your unique situation so you can focus on rebuilding.
Student Loan Debt in Toronto
Student loan debt can delay important milestones like buying a home or starting a family. In Toronto, our Licensed Insolvency Trustees can explore options to reduce or eliminate student loan balances if you’ve been out of school for seven years. We also provide financial planning advice to help you manage current payments while securing your future.
Wage Garnishment in Toronto
Wage garnishments reduce your income and make it hard to cover everyday expenses. In Toronto, our Trustees can stop garnishments immediately through legal options like consumer proposals or bankruptcy. Once filed, creditors can no longer deduct money from your paycheque, giving you breathing room to manage your budget and focus on a long-term solution.
Why Choose Spergel?
Choosing the right partner for debt relief in Toronto is an important decision.
At our Danforth office in Toronto, we take the time to understand your challenges and goals. Whether you need a consumer proposal in Toronto to reduce your unsecured debt, or you’re considering personal bankruptcy as a fresh start, our team will walk you through every option available under Canadian law. With evening and weekend appointments available, getting help is convenient and close to home.
Take the First Step Toward Debt Freedom in Toronto
Talking to a Licensed Insolvency Trustee in Toronto 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 Toronto? 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.