Debt Solutions in Toronto, ON (Downtown)
Managing debt in Toronto can feel overwhelming, especially when you’re juggling the demands of city life.
At Spergel, we offer clear, straightforward debt relief in Downtown Toronto, without judgment. Your dedicated Licensed Insolvency Trustee in Toronto will personally guide you from your first consultation through to your last payment, helping you explore all options available, whether that’s a consumer proposal, bankruptcy, or another solution designed to fit your circumstances.
Get Debt Help in Downtown Toronto
Debt doesn’t need to control your life. Take the first step today with a free consultation.
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Book a Specific Date/Time
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 Downtown Toronto
Graeme Hamilton
Graeme has been helping individuals, households and firms solve their financial problems for over 10 years. Graeme is passionate about helping people, he has worked with hundreds of Toronto area residents in financial distress to overcome their personal debt issues. Prior to working in insolvency Graeme lived in Cambodia doing volunteer work with NGO’s.
- Phone: (877) 320-6676
- Toll-Free: 1 (877) 557-7367
- Email: hello@spergel.ca
- Address: 120 Adelaide Street West, Suite #2500, Toronto, ON, M5H 1T1
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 Downtown Toronto
Collection Calls in Downtown Toronto
If you’re constantly answering harassing calls from creditors, it can feel impossible to move forward. In Downtown Toronto, our Licensed Insolvency Trustees can stop collection calls immediately through legal solutions like a consumer proposal or bankruptcy. This protection gives you peace of mind while creating a realistic plan to repay what you owe.
Consumer Proposals in Downtown Toronto
A consumer proposal in Downtown Toronto allows you to reduce unsecured debt, often by up to 80%, while protecting your assets. It’s a formal agreement negotiated with creditors by a Licensed Insolvency Trustee, giving you lower monthly payments and legal protection from lawsuits and wage garnishments.
Credit Counselling in Downtown Toronto
Credit counselling provides practical financial education and guidance. In Downtown Toronto, this service helps you understand debt management, improve budgeting, and explore your repayment options. With professional support, you can regain control of your money and take the first steps toward long-term financial stability.
Credit Card Debt in Downtown Toronto
High-interest credit card balances can grow quickly, leaving you with mounting bills. Downtown Toronto residents struggling with credit card debt can find relief through structured repayment plans, consolidation, or formal solutions like consumer proposals. Our trustees provide strategies tailored to your income and expenses.
CRA Tax Debt in Downtown Toronto
Owing the Canada Revenue Agency (CRA) is intimidating. Interest and penalties make repayment harder, and the CRA can freeze bank accounts or garnish wages. In Downtown Toronto, our Licensed Insolvency Trustees work directly with the CRA to stop collection actions and negotiate affordable repayment terms.
Debt Consolidation in Downtown Toronto
Debt consolidation can make repayment simpler by combining multiple debts into a single monthly payment. In Downtown Toronto, this approach often reduces interest rates and stress. If traditional consolidation isn’t enough, our team can explore legally binding solutions like consumer proposals for even greater debt reduction.
Licensed Insolvency Trustees in Downtown Toronto
Licensed Insolvency Trustees (LITs) are federally regulated professionals; the only ones in Canada who can administer consumer proposals and bankruptcies. In Downtown Toronto, our LITs provide confidential, judgment-free advice to help you find the most effective debt relief option for your circumstances.
Line of Credit Debt in Downtown Toronto
While a line of credit can help in emergencies, ongoing use often leads to unmanageable balances. For people in Downtown Toronto, repayment strategies include restructuring debt or filing a consumer proposal to reduce the total owing. We’ll help you find a practical path forward.
Mortgage Debt in Downtown Toronto
Missed mortgage payments can put your home at risk. In Downtown Toronto, we help homeowners explore solutions to manage mortgage arrears while protecting their property. A consumer proposal or bankruptcy may provide the relief you need to reset financially while keeping your home secure.
Payday Loan Debt in Downtown Toronto
Payday loans charge some of the highest interest rates in Canada, often trapping borrowers in endless cycles of repayment. Residents of Downtown Toronto can eliminate payday loan stress by consolidating or filing a consumer proposal, reducing what’s owed and creating an affordable repayment schedule.
Personal Bankruptcy in Downtown Toronto
When debts are overwhelming and no other option is viable, bankruptcy may provide the clean slate you need. In Downtown Toronto, bankruptcy immediately halts collection actions and wage garnishments, allowing you to discharge unsecured debt under the guidance of a Licensed Insolvency Trustee.
Small Business Debt in Downtown Toronto
Running a business downtown comes with challenges: rising rent, overhead, and unexpected setbacks. If small business debt is weighing you down, our trustees can help you restructure what you owe or file a formal proceeding to protect your business and personal finances.
Student Loan Debt in Downtown Toronto
Post-secondary education is costly, and many graduates leave school with heavy student loans. In Downtown Toronto, debt relief solutions like consumer proposals or bankruptcy may eliminate eligible student loans, particularly if you’ve been out of school for seven years or longer.
Wage Garnishment in Downtown Toronto
A wage garnishment leaves you with less money for daily expenses. In Downtown Toronto, filing a consumer proposal or bankruptcy immediately stops garnishments, giving you financial breathing room. Our Licensed Insolvency Trustees ensure you keep more of your pay while addressing the underlying debt.
Why Choose Spergel?
Working with Spergel means you’ll never be passed around.
We’ll be by your side from day one, offering guidance that’s tailored to your situation. Whether you’re struggling with credit card debt, payday loans, CRA tax arrears, or even business-related debt, our Licensed Insolvency Trustees in Toronto have the tools and legal authority to help. We understand how stressful debt can be, so we provide support that’s compassionate, practical, and focused on results. With over 30 years of helping Canadians resolve their debt, we’ve built trust one client at a time by making debt relief clear and accessible.
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.