Debt Solutions in Victoria, BC
If you’re struggling with overwhelming debt, know that there are solutions available right here in Victoria.
At Spergel, we provide clear, supportive, and practical debt relief in BC. Our expert team will sit down with you to review every option — from filing a consumer proposal in British Columbia to considering personal bankruptcy — so you can make confident, informed decisions about your financial future.
Get Debt Help in Victoria
Debt doesn’t need to control your life. Take the first step today with a free consultation.
Quick Contact Form
"*" indicates required fields
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 Victoria
Ashvin Sharma
Ashvin is passionate about helping people both in and out of his office. As an LIT he oversees Spergel’s British Columbia offices. He prides himself on creating an environment where his clients are comfortable and confident about making decisions concerning their debt. In addition to helping people discover debt solutions at the office, outside of work Ashvin serves as a Volunteer Coordinator for “Free-Them”, a Canadian organization committed to raising awareness about human trafficking. When he’ is not helping others at work or in his spare time, he enjoys playing sports and spending time with family and friends.
- Phone: (778) 720-0679
- Toll-Free: 1 (877) 557-7367
- Email: hello@spergel.ca
- Address: 328 Wale Road, Suite #141, Colwood, BC, V9B 0J8
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 Victoria
Collection Calls in Victoria
Constant collection calls can add stress to already difficult financial circumstances. In Victoria, our Licensed Insolvency Trustees can stop creditor harassment immediately through solutions like consumer proposals or bankruptcy. Once you file, collection activity must legally end, giving you peace of mind while we work with you on a plan to resolve your debt in a sustainable way.
Consumer Proposals in Victoria
A consumer proposal in Victoria offers an alternative to bankruptcy, letting you repay a portion of what you owe while protecting your assets. Negotiated by a Licensed Insolvency Trustee, proposals can reduce unsecured debt by up to 80%. With one affordable monthly payment, you gain breathing room and a clear timeline to become debt-free. It’s one of the most popular forms of debt relief in British Columbia.
Credit Counselling in Victoria
Credit counselling in Victoria gives you the chance to better understand your finances and develop practical strategies to manage debt. With the guidance of a Licensed Insolvency Trustee, you’ll learn how to budget effectively, reduce interest charges, and regain control. Counselling is often part of consumer proposals or bankruptcy, providing you with long-term tools to prevent future debt struggles while you resolve current financial obligations.
Credit Card Debt in Victoria
High-interest credit card debt can quickly spiral out of control. In Victoria, many people struggle with minimum payments that barely cover the interest. Our Licensed Insolvency Trustees can help by reviewing your financial situation and offering solutions such as consumer proposals, which consolidate unsecured debts into one manageable payment. This way, you pay down what you can afford while stopping the cycle of mounting interest charges.
CRA Tax Debt in Victoria
Owing money to the Canada Revenue Agency can feel overwhelming. In Victoria, CRA tax debt often comes with penalties, interest, and the risk of wage garnishment or bank account freezes. Licensed Insolvency Trustees are federally regulated to negotiate directly with the CRA. Through a consumer proposal or bankruptcy, you can reduce or eliminate tax debt while protecting yourself from aggressive collection actions.
Debt Consolidation in Victoria
Debt consolidation in Victoria combines multiple debts into one simplified payment, often at a lower interest rate. While banks may offer consolidation loans, many people don’t qualify. A Licensed Insolvency Trustee can provide legal alternatives, such as a consumer proposal, which consolidates unsecured debt into one affordable monthly payment. This allows you to regain control of your finances without relying on new loans.
Licensed Insolvency Trustees in Victoria
A Licensed Insolvency Trustee in Victoria is the only professional legally authorized to file consumer proposals or bankruptcies in Canada. At Spergel, our trustees provide judgment-free support, guiding you through every step of the process. Whether you need protection from creditors, a plan to reduce debt, or simply clarity on your options, we’ll work with you directly from start to finish.
Line of Credit Debt in Victoria
Lines of credit are often seen as flexible, but their revolving nature makes it easy to accumulate unmanageable balances. In Victoria, Licensed Insolvency Trustees can help you address line of credit debt by creating repayment plans that fit your income. Whether through a consumer proposal or bankruptcy, we’ll ensure you stop the cycle of borrowing to pay borrowing and find a path to stability.
Mortgage Debt in Victoria
For many in Victoria, mortgage debt is the largest financial obligation they face. Falling behind on payments can risk foreclosure and immense stress. A Licensed Insolvency Trustee can review your situation, explain options to keep your home, and negotiate with unsecured creditors to free up cash flow. Solutions like consumer proposals can protect your assets while giving you a manageable way to deal with other debts.
Payday Loan Debt in Victoria
Payday loans often come with sky-high interest rates that trap people in debt cycles. In Victoria, Licensed Insolvency Trustees can help break free from payday loan debt by consolidating what you owe into one affordable monthly payment. Through a consumer proposal or bankruptcy, interest charges stop immediately, and you can begin to regain financial stability without the endless stress of payday lenders.
Personal Bankruptcy in Victoria
Sometimes, bankruptcy in Victoria is the best option for a true financial reset. Overseen by a Licensed Insolvency Trustee, bankruptcy is a legal process that can eliminate most unsecured debts while offering creditor protection. Though it may seem daunting, bankruptcy can give you a clean slate to rebuild your finances. With professional guidance, many clients find relief and a renewed sense of hope.
Small Business Debt in Victoria
Running a small business in Victoria comes with financial risks, especially when loans or tax obligations become overwhelming. Licensed Insolvency Trustees can help entrepreneurs review their options, from restructuring debts to filing a consumer proposal. In some cases, bankruptcy may be necessary to close operations responsibly. No matter your path, we provide supportive guidance to help you resolve debt while preparing for a stronger future.
Student Loan Debt in Victoria
Student loan debt in Victoria is a growing challenge, especially when repayment becomes unmanageable. A Licensed Insolvency Trustee can explain your legal options, including consumer proposals or bankruptcy. In many cases, government student loans can be discharged if you’ve been out of school for seven years or longer. We’ll work with you to find a strategy that provides relief while respecting your financial goals.
Wage Garnishment in Victoria
Having your wages garnished in Victoria can leave you struggling to cover basic expenses. Creditors, including the CRA, may take a portion of your income directly from your paycheque until debts are settled. Filing a consumer proposal or bankruptcy through a Licensed Insolvency Trustee puts an immediate stop to wage garnishments. This legal protection gives you the breathing room to rebuild your financial health.
Why Choose Spergel?
When you choose Spergel, you don’t get lost in a big system; you work directly with your trustee from start to finish.
Your trustee will personally handle your file, ensuring continuity and trust throughout your journey. We offer flexible appointment times in Victoria, including evenings and weekends, because we know debt doesn’t follow a 9-to-5 schedule. With Spergel, you’ll get judgment-free support, tailored solutions, and the expertise of a Licensed Insolvency Trustee in BC who truly cares.
Take the First Step Toward Debt Freedom in Victoria
Talking to a Licensed Insolvency Trustee in Victoria 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 Victoria? 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.