Explore expert insights, practical tips, and real-life guidance to help you understand how consumer proposals work.
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Helpful articles to guide you through the process, answer your questions, and support your journey to becoming debt-free.
In today’s economic climate, more and more Canadians are facing a troubling reality: their homes are worth more than ever, but their wallets are emptier than they’ve ever been.
Homeownership can be both a blessing and a burden. If you’re “house rich, cash poor,” meaning your home has appreciated in value, but you’re struggling with high-interest debt or limited monthly income, you may be considering a reverse mortgage as a solution.
If you’re considering filing for bankruptcy or a consumer proposal, you might be wondering how it could impact your job.
Consumer proposals are a popular form of debt relief for many Canadians, and a great alternative to bankruptcy.
Debt is a reality many Canadians face, and when it becomes overwhelming, finding the right solution to regain financial control is essential.
A consumer proposal is a debt relief solution available to individuals in Canada who are struggling to repay their unsecured debts.
Learn How the Thompson Family Rebuilt Their Home and Bakery After a Devastating Wildfire in British Columbia.
When facing unmanageable debts or financial challenges, a consumer proposal can be a lifeline, offering a structured pathway to debt relief and a fresh financial future.
A veteran’s path to financial stability: Richard’s success story with Spergel
Navigating your financial challenges in Canada can feel like a daunting task, but consumer proposals are a viable solution for those seeking relief from overwhelming debts.
A consumer proposal is an excellent form of legal debt relief for many Canadians, and is an increasingly popular bankruptcy alternative.
A consumer proposal is Canada’s most popular bankruptcy alternative. It is a legal debt settlement process in line with the Bankruptcy and Insolvency Act, whereby an individual works with a Licensed Insolvency Trustee to suggest an affordable monthly repayment figure to their creditors.
Not sure where to start? Our easy-to-use calculator helps you estimate how much a consumer proposal could reduce your debt.
“I can’t thank Spergel enough for their support and expertise during one of the toughest times in my life. Their consumer proposal not only reduced my debt significantly but also stopped the constant stress of creditor calls. Now, I’m able to focus on providing a stable future for my children without worrying about money. And, I can now sleep at night! Spergel truly gave me a fresh start.”
– Larissa, Ontario
It shows that once you face your debt and get the right help, life can get better – quickly. Discover more Success Stories of Canadians we’ve helped, or reach out to us.
Don’t take our word for it. See what some of our past clients have said.
Let’s find out if you qualify. Contact us to set up a conversation about your situation.
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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
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