Debt Solutions in Vancouver, BC
Real debt relief is possible, and it starts with the right support.
At Spergel, we help individuals, families and business owners in Vancouver move forward with confidence through clear, practical debt solutions. Whether you’re considering a consumer proposal in British Columbia, looking at personal bankruptcy options, or simply need advice from a trusted professional, our team is here for you.
Get Debt Help in Vancouver
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 Vancouver
Ashvin Sharma
Ashvin is a Vancouver Licensed Insolvency Trustee, welcoming those in British Columbia to discuss their finances, no matter what their circumstances. Passionate about helping people both inside and outside of work, Ashvin’s mission is to create an approachable and welcoming office to empower his clients to seek debt relief. Outside of providing debt help in Vancouver and beyond, Ashvin volunteers for ‘Free Them’, a Canadian organization focused on raising awareness around human trafficking. When he is not helping others, Ashvin enjoys spending time with family and friends and playing sports.
- Phone: (778) 720-0679
- Toll-Free: 1 (877) 557-7367
- Email: hello@spergel.ca
- Address: 1100 Melville Street, Suite #230, Vancouver, BC, V6E4A6
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 Vancouver
Collection Calls in Vancouver
Constant collection calls can create a lot of stress. In Vancouver, Spergel can step in to stop those calls immediately through legal options like a consumer proposal or bankruptcy. Once filed, creditors are required by law to cease contact, giving you peace of mind while you focus on building a plan to resolve your debt.
Consumer Proposals in Vancouver
A consumer proposal in Vancouver allows you to negotiate with creditors to repay only part of what you owe, often up to 80% less. This federally regulated process stops interest charges, halts collection activity, and lets you keep assets such as your car and home. Spergel’s Licensed Insolvency Trustees guide you through every step to create a repayment plan that works.
Credit Counselling in Vancouver
Struggling with money management? Credit counselling in Vancouver offers practical guidance on budgeting, reducing expenses, and learning how to manage debt. Spergel’s counsellors provide judgment-free advice tailored to your situation, helping you regain financial control while exploring formal debt relief options like a consumer proposal if needed.
Credit Card Debt in Vancouver
High credit card interest rates make it difficult to escape the cycle of minimum payments. In Vancouver, Spergel helps consolidate and reduce credit card debt using legally binding solutions such as consumer proposals. Instead of paying endless interest, you’ll make affordable monthly payments that go directly toward reducing your balance.
CRA Tax Debt in Vancouver
Tax debt with the Canada Revenue Agency can be overwhelming, and the CRA has strong collection powers like freezing bank accounts or garnishing wages. In Vancouver, Spergel’s Licensed Insolvency Trustees can negotiate directly with the CRA, using consumer proposals or bankruptcy to reduce your balance and stop enforcement actions.
Debt Consolidation in Vancouver
Debt consolidation in Vancouver means combining multiple debts into one manageable monthly payment. Unlike bank loans, a consumer proposal legally reduces the total you owe while stopping interest. Spergel helps you evaluate your consolidation options and find a strategy that fits your income and financial goals.
Licensed Insolvency Trustees in Vancouver
Only Licensed Insolvency Trustees in Vancouver can legally administer debt relief programs like consumer proposals or bankruptcy. At Spergel, you’ll work directly with a trustee from start to finish. We provide compassionate, practical advice so you can make informed decisions and take confident steps toward financial recovery.
Line of Credit Debt in Vancouver
When a line of credit becomes difficult to manage, interest can quickly add up. In Vancouver, Spergel helps restructure or reduce line of credit debt by negotiating repayment terms through a consumer proposal. This makes payments predictable and affordable while preventing further financial strain.
Mortgage Debt in Vancouver
Missing mortgage payments can put your home at risk. Spergel’s Vancouver team can help you explore solutions that ease your financial burden and protect your property. Options like consumer proposals may reduce unsecured debts, freeing up income to get back on track with your mortgage.
Payday Loan Debt in Vancouver
Payday loans are notorious for high interest and short repayment terms. In Vancouver, Spergel helps break the payday loan cycle by rolling multiple loans into a single affordable payment. Filing a consumer proposal also stops interest and protects you from aggressive payday lenders.
Personal Bankruptcy in Vancouver
When debt is unmanageable, personal bankruptcy in Vancouver can provide a legal fresh start. Spergel’s Licensed Insolvency Trustees walk you through the process, ensuring you understand the steps, obligations, and benefits. Bankruptcy stops collection calls, wage garnishments, and lawsuits, allowing you to focus on rebuilding your financial life.
Small Business Debt in Vancouver
Entrepreneurs often juggle personal and business debts. In Vancouver, Spergel works with small business owners to restructure debts, protect key assets, and stabilize operations. Whether through a consumer proposal or bankruptcy, our team provides strategies tailored to business challenges while safeguarding your financial future.
Student Loan Debt in Vancouver
Student loan debt can feel overwhelming, especially when paired with living costs in Vancouver. If it’s been seven years since you left school, you may be eligible to discharge student loans through a consumer proposal or bankruptcy. Spergel can also help you budget and manage payments more effectively.
Wage Garnishment in Vancouver
Having your paycheque reduced by a wage garnishment can make it impossible to cover essentials. In Vancouver, Spergel stops garnishments immediately by filing a consumer proposal or bankruptcy. This legal protection ensures you keep your income while working toward long-term debt relief.
Why Choose Spergel?
Life in a busy city like Vancouver can be expensive, and when debts start to grow, it’s easy to feel trapped.
Spergel provides personalized plans and debt solutions that address the unique challenges faced by residents across the Lower Mainland. For example, a consumer proposal in British Columbia may reduce unsecured debt by as much as 80% while allowing you to keep your home, vehicle, and other assets. If bankruptcy is the best choice, we guide you through the process step by step. Our focus is always on your long-term financial stability, not just short-term fixes.
Take the First Step Toward Debt Freedom in Vancouver
Talking to a Licensed Insolvency Trustee in Vancouver 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 Vancouver? 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.