Debt Solutions in Waterloo, ON
If overwhelming debt is keeping you up at night, know that real solutions are available close to home.
At Spergel, we provide debt relief in Waterloo that is practical, straightforward, and designed to ease the pressure. Your local Waterloo Licensed Insolvency Trustee will sit down with you to listen, explain your options, and guide you toward a financial reset. Whether it’s a consumer proposal in Waterloo or personal bankruptcy, you’ll have the support you need every step of the way.
Get Debt Help in Waterloo
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 Waterloo
Trevor B. Pringle
Practicing in Hamilton and Southwestern Ontario for more than 20 years, Trevor’s corporate and personal insolvency experience has led to quotes and interviews in both TV and print. Trevor is known for his practical approach, his innovative problem-solving, and his strong belief in providing the best client experience possible.
Trevor’s recent articles and interviews include:
Outside the office, Trevor in the past ran in the 100th Anniversary of the “Around the Bay Road Race” and regularly trail runs in the Dundas Valley.
- Phone: (877) 619-8377
- Toll-Free: 1 (877) 557-7367
- Email: hello@spergel.ca
- Address: 180 Northfield Drive West, Unit 4 - 1st Floor, Waterloo, ON, N2L 0C7
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 Waterloo
Collection Calls in Waterloo
Constant phone calls from creditors can make daily life stressful. In Waterloo, our team helps stop collection calls legally by filing a consumer proposal or bankruptcy, giving you breathing room to focus on repayment instead of harassment.
Consumer Proposals in Waterloo
A consumer proposal in Waterloo can reduce what you owe while protecting your assets. It’s a binding agreement with creditors that allows you to repay only part of your unsecured debt with affordable monthly payments.
Credit Counselling in Waterloo
If you’re struggling to manage debt, credit counselling in Waterloo offers practical guidance on budgeting and repayment strategies. We’ll help you understand your options, avoid high-interest traps, and develop a clear plan toward financial recovery.
Credit Card Debt in Waterloo
Credit card balances often grow quickly with high interest rates. In Waterloo, many people find relief through solutions like consumer proposals, which reduce the balance owed and make repayment more manageable while halting interest charges.
CRA Tax Debt in Waterloo
Owing money to the Canada Revenue Agency can feel intimidating. In Waterloo, we help negotiate with the CRA and use legal tools like consumer proposals or bankruptcy to stop penalties, wage garnishments, or frozen accounts.
Debt Consolidation in Waterloo
Debt consolidation in Waterloo brings multiple payments into one simplified plan. By combining your unsecured debts, you’ll gain clarity and potentially lower monthly payments, giving you a straightforward path to becoming debt-free faster.
Licensed Insolvency Trustees in Waterloo
Only a Licensed Insolvency Trustee in Waterloo can legally administer consumer proposals and bankruptcies. Meeting with our licensed, expert team means direct access to trusted advice, clear explanations, and debt relief solutions tailored to your situation.
Line of Credit Debt in Waterloo
Line of credit debt can become overwhelming, especially with fluctuating interest rates. In Waterloo, we offer solutions that can reduce what you owe and create predictable, affordable payments you can manage with confidence.
Mortgage Debt in Waterloo
Falling behind on your mortgage in Waterloo doesn’t have to mean losing your home. A Licensed Insolvency Trustee can help restructure your debts through a proposal or bankruptcy to relieve pressure and protect your property.
Payday Loan Debt in Waterloo
Payday loans can trap borrowers in a cycle of debt with extreme interest charges. In Waterloo, we help stop payday loan demands and combine debts into a single, affordable repayment plan that breaks the cycle.
Personal Bankruptcy in Waterloo
When debt has become unmanageable, personal bankruptcy in Waterloo can provide a reset. It discharges most unsecured debts and immediately stops creditor actions, allowing you to begin rebuilding your financial life with a clean slate.
Small Business Debt in Waterloo
Running a small business can come with financial challenges. If your Waterloo business is facing mounting debt, we’ll review solutions like proposals or restructuring so you can reduce obligations while preserving what matters most.
Student Loan Debt in Waterloo
Student loan debt can linger long after graduation. In Waterloo, you may be able to include government student loans in a consumer proposal or bankruptcy if you’ve been out of school for at least seven years.
Wage Garnishment in Waterloo
Wage garnishments in Waterloo can take a significant portion of your paycheque. Filing a consumer proposal or bankruptcy through a Licensed Insolvency Trustee can stop garnishments immediately and put you back in control of your income.
Why Choose Spergel?
Choosing a licensed insolvency trustee in Waterloo is a major step, and trust matters.
With over 30 years of experience and thousands of Canadians helped, Spergel is proud of its reputation for supportive, one-on-one care. When you visit our Waterloo office, you’ll find a welcoming environment where you can talk openly about your challenges and start building a plan for debt relief.
Take the First Step Toward Debt Freedom in Waterloo
Talking to a Licensed Insolvency Trustee in Waterloo 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 Waterloo? 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.