Debt Solutions in Winnipeg, MB
If overwhelming debt is keeping you up at night, know that real solutions are available close to home.
If you are struggling with debt in Winnipeg, book a free, no-obligation consultation with Spergel. With rising living costs across Canada, more and more individuals are finding themselves in debt. Whether you are best suited to debt consolidation in Winnipeg, a consumer proposal or bankruptcy, we will help you gain financial freedom. Our caring team is here to review your financial circumstances and advise you, no matter how bad you think your situation is. Together, we can reduce your debt by up to 80%. Our Licensed Insolvency Trustee, Chris, will give you the personalized attention you deserve. He also offers flexible appointments to suit you, including in the evenings and on weekends.
Get Debt Help in Winnipeg
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 Winnipeg
Chris Galea
Chris has been a Licensed Insolvency Trustee for over twenty years, and is an expert in all forms of debt relief. He is passionate about educating his clients on different forms of debt relief, from consumer proposals to bankruptcy. He takes all the time you need to understand your options so that you can make the best decision for your situation. When he is not helping Winnipeg residents in need of financial recovery on the path to debt relief, Chris enjoys playing pick-up hockey with friends and spending time with his family.
- Toll-Free: 1 (877) 557-7367
- Email: hello@spergel.ca
- Address: 201 Portage Avenue, 18th Floor, Winnipeg, MB, R3B 3K6
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 Can Help You in Winnipeg
Collection Calls in Winnipeg
Harassing calls from creditors can feel overwhelming. In Winnipeg, Spergel can help stop collection calls legally and quickly through solutions like consumer proposals or bankruptcy. This protection not only ends the constant interruptions but also gives you the breathing room to focus on building a sustainable financial plan without creditor pressure.
Consumer Proposals in Winnipeg
A consumer proposal in Winnipeg lets you repay only a portion of what you owe, often reducing unsecured debt by up to 80%. This legal process, filed with a Licensed Insolvency Trustee, allows you to keep assets like your car or home while making affordable monthly payments. It’s a practical alternative to bankruptcy that protects you from further interest and collection actions.
Credit Counselling in Winnipeg
Many residents of Winnipeg turn to credit counselling to better understand their money habits and manage debt. With Spergel’s guidance, you’ll receive a tailored plan to budget effectively, tackle high-interest payments, and avoid financial pitfalls in the future. Counselling can be an essential step toward regaining confidence with your finances while exploring whether options like consumer proposals are a better fit.
Credit Card Debt in Winnipeg
High-interest credit card balances can quickly spiral out of control. In Winnipeg, our team helps individuals consolidate these debts, reduce interest, and negotiate manageable repayment terms. Whether through a consumer proposal or credit counselling, we work to stop the cycle of minimum payments so you can finally make progress toward becoming debt-free.
CRA Tax Debt in Winnipeg
Owing money to the Canada Revenue Agency can feel intimidating, especially when penalties or wage garnishments are threatened. Winnipeg residents can rely on Spergel to negotiate with the CRA through legally binding solutions like consumer proposals. Our Licensed Insolvency Trustees protect you from enforcement actions and create a repayment structure that fits your budget, helping you move forward without fear of tax collection.
Debt Consolidation in Winnipeg
If you’re juggling multiple debts in Winnipeg, debt consolidation can simplify your payments into one affordable monthly amount. While bank consolidation loans aren’t always an option, Spergel offers alternatives like consumer proposals that reduce what you owe and stop interest charges. This approach can help you regain clarity and control over your financial life.
Licensed Insolvency Trustees in Winnipeg
As the only professionals in Canada legally authorized to file consumer proposals and bankruptcies, Licensed Insolvency Trustees play a vital role in debt relief. In Winnipeg, our Spergel team provide compassionate, judgment-free advice. We’ll assess your situation, explain every option clearly, and walk you through the process so you can make confident decisions about your financial future.
Line of Credit Debt in Winnipe
Lines of credit can feel manageable at first but often grow into large balances with fluctuating interest. In Winnipeg, Spergel works with individuals to tackle this debt head-on. By restructuring payments or reducing balances through consumer proposals, we create a sustainable way forward that helps you break free from dependence on borrowed money.
Mortgage Debt in Winnipeg
Struggling with mortgage payments is stressful, especially when your home is on the line. In Winnipeg, Spergel helps homeowners review options to keep their property while resolving other unsecured debts. By reducing or restructuring credit card or loan payments through a consumer proposal, many find the financial relief needed to stay on top of their mortgage and protect their home.
Payday Loan Debt in Winnipeg
Payday loans often carry extremely high interest rates, making it easy to fall into a cycle of borrowing. In Winnipeg, Spergel can help stop the payday loan trap with legal solutions that freeze interest and consolidate what you owe. This provides immediate relief, ends relentless collection actions, and puts you on a more stable financial path.
Personal Bankruptcy in Winnipeg
For some Winnipeg residents, bankruptcy is the most effective path to a clean slate. Filing with a Licensed Insolvency Trustee discharges most unsecured debts and provides legal protection from creditors. While it’s considered a last resort, bankruptcy can give you the fresh start you need, allowing you to rebuild your credit and focus on your future with confidence.
Small Business Debt in Winnipeg
Entrepreneurs in Winnipeg sometimes face overwhelming business debts that spill over into personal finances. At Spergel, we help small business owners explore restructuring options, negotiate with creditors, or use tools like consumer proposals to manage liabilities. Our goal is to protect your livelihood where possible and create a practical plan that supports both your business and personal financial health.
Student Loan Debt in Winnipeg
Student loan repayment can become unmanageable, especially with added living costs. In Winnipeg, our Licensed Insolvency Trustees help graduates determine if government programs, budgeting support, or legal solutions like consumer proposals are best. If your loans are older than seven years, they may even be discharged in bankruptcy, giving you a chance to move forward debt-free.
Wage Garnishment in Winnipeg
Wage garnishment means part of your paycheque is taken before it even reaches your bank account. For Winnipeg residents, Spergel offers immediate protection through legal filings like consumer proposals or bankruptcy. Once in place, garnishments stop, giving you full access to your income again while you follow a structured plan to repay your debts affordably.
Why Choose Spergel?
Spergel has one of the most experienced teams of Winnipeg Licensed insolvency Trustees.
Take the First Step Toward Debt Freedom in Winnipeg
Talking to a Licensed Insolvency Trustee in Winnipeg 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 Winnipeg? 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.