Success Stories
Jenna’s Story
A victory over gambling-induced insolvency: Jenna’s success story with Spergel.
Consumer Proposals: Articles
Explore expert insights, practical tips, and real-life guidance to help you understand how consumer proposals work.
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Read More About Consumer Proposals
Helpful articles to guide you through the process, answer your questions, and support your journey to becoming debt-free.
Articles
How long does a consumer proposal stay on your credit report?
A consumer proposal is an increasingly popular form of debt relief in Canada, and a great alternative to bankruptcy.
Articles
Consumer proposal reviews and experiences
You have probably already heard about consumer proposals as one of the best formal debt settlement options provided by Licensed Insolvency Trustees if you are looking for consumer proposal reviews.
Articles
Does a consumer proposal affect my credit?
For many Canadians, a consumer proposal is an excellent way of gaining debt relief. It is now the #1 insolvency solution in Canada.
Success Stories
Chelsey’s Story
From financial crisis to renewed hope: Spergel helps Chelsey to overcome her husband’s financial infidelity
Articles
How does a consumer proposal work?
A consumer proposal is often considered the best bankruptcy alternative in Canada. If you are struggling with overwhelming debt but are keen to avoid bankruptcy, a consumer proposal may be an appropriate debt relief solution for you.
Articles
Can I get a loan while in a consumer proposal?
If you have filed a consumer proposal, you may find at some point while making your repayments that you want to take out a loan.
Success Stories
Mrs. S’ Story
Empathetic Resolution for a Vulnerable Client: Spergel Helps Mrs. S Tackle Her High Interest Loan
Success Stories
Alex’s Story
Riding the waves: Alex’s journey from cryptocurrency debt to financial triumph
Articles
Can you keep a credit card with a consumer proposal?
A question that is frequently asked during consumer proposal consultations is ‘can you keep a credit card with a consumer proposal?’ Put simply, yes you can keep a credit card with a consumer proposal.
Articles
Is a consumer proposal worth it?
If you have discovered this article, you are probably interested in filing a consumer proposal.
Articles
How many times can you file a consumer proposal?
A consumer proposal is a great way of reducing your debt by up to 80%, and is the chosen form of debt relief for many Canadians each year.
See How Much You Could Save With a Consumer Proposal!
Not sure where to start? Our easy-to-use calculator helps you estimate how much a consumer proposal could reduce your debt.
Real Canadians. Real Success — Like Larissa
“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
Larissa’s Story is just one of many
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.
They Said It Best
Don’t take our word for it. See what some of our past clients have said.
Become the Next Success Story With A Consumer Proposal
Let’s find out if you qualify. Contact us to set up a conversation about your situation.
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