Discover helpful insights, expert advice, and real examples in our collection of articles on debt settlement solutions in Canada.
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Our articles break down complex debt topics into clear, practical advice to help you make confident decisions — whether you’re exploring solutions or ready to take the next step.
Are you struggling with overwhelming debt? Owe different debts to a number of different creditors? At Spergel, with over thirty years’ experience of helping Canadians gain debt relief, we understand how stressful this financial situation can be.
If you miss several payments on a debt that you owe, it is more than likely that the debt will land in collections.
Debt is a growing problem for many Canadians. With a rising cost of living and increasing interest rates, it is all too easy to slip into missed payments.
In Canada this year, the average amount of consumer debt (non-mortgage) rose to $21,128 in Q2 2022 which naturally results in a huge amount of Canadians looking for debt relief across the country.
A consumer proposal is the only legally backed form of debt settlement in Ontario and can reduce your total debt by up to 80%. Use our free debt calculator to see what your new payments could look like.
“After years of struggling with escalating tax debt and the overwhelming stress it brought into my life, finding Spergel was a turning point for me. Their team approached my situation with an incredible mix of professionalism, empathy, and expertise, taking the time to understand the nuances of my financial dilemma. They negotiated directly with the CRA, securing a payment plan that was both manageable and fair, and even managed to reduce my overall debt. What truly stood out was how they empowered me with the knowledge and tools to take control of my finances moving forward. Thanks to Spergel, I can focus on my career and being a father without the constant worry of tax debt looming over me.”
– Jordan, 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.
Contact us to set up a conversation about your situation.
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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
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You can also reach us at one of our office locations phone numbers. See our list below on this page.
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.
Sometimes a simple email is the way to get things rolling.
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Monday to Friday 8am – 7pm EST
Saturday 9am – 4pm EST
Sunday 10am – 5pm EST
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Use the map to find a Spergel office near you and connect with a Licensed Insolvency Trustee.
