Articles
What is bankruptcy discharge?
Bankruptcy discharge is an incredibly important part of the bankruptcy process in Canada – it is essentially the end goal.
Personal Bankruptcy: Articles
Explore expert insights, practical tips, and real-life guidance to help you understand how bankruptcy works.
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Read More About Personal Bankruptcy
Discover helpful insights and expert guidance on filing for personal bankruptcy in Canada.
Articles
What can I keep when declaring bankruptcy in BC?
Bankruptcy is a significant form of legal debt relief in Canada. It is a decision an individual may make when faced with overwhelming debt and financial hardship.
Articles
What is bankruptcy fraud?
Many of us will face financial hardship at some point in our lives for a variety of reasons including job loss or unexpected medical bills.
Articles
Bankruptcy records in Canada – who will find out?
Bankruptcy in Canada is the legal process of assigning any non-exempt assets you may have over to a Licensed Insolvency Trustee in exchange for the clearance of any unsecured debts you may have.
Articles
Cost difference between bankruptcy and consumer proposal
If you are facing substantial debts and are struggling to make your repayments on time, you may well be considering filing a bankruptcy or a consumer proposal.
Articles
Bankruptcy or consumer proposal from abroad – is it possible?
Do you have Canadian debt while living outside of the country? Considering filing bankruptcy or consumer proposal from abroad? Or considering ignoring it, hoping it will go away?
Articles
What is a conditional discharge in bankruptcy?
Bankruptcy can seem like an intimidating process, but it does not need to be. At Spergel, our experienced Licensed Insolvency Trustees have been helping Canadians to file bankruptcy for over thirty years, and we are here to help you too.
Articles
Canadian bankruptcy law: a guide to each province
In Canada, bankruptcy law is underpinned by a couple of key pieces of federal legislation.
Articles
Does bankruptcy clear CRA debt?
Owing tax debt can be a stressful situation, particularly if you are struggling to make your repayments.
Articles
Payday loans and bankruptcy: everything you need to know
If you have struggled to make everyday payments like bills and to pay off your debts, you may well have considered taking out a payday loan.
Articles
Can bankruptcy affect my spouse?
A key consideration when it comes to filing bankruptcy is whether or not it will affect your family, and if so – how? Thankfully, if you decide to file bankruptcy it does not automatically result in your spouse needing to file bankruptcy too.
Articles
Filing bankruptcy a second time
Bankruptcy is the legal process of gaining a fresh financial future, and is ideal for Canadians struggling with overwhelming debt. It is the process of assigning any non-exempt assets you might have over to your Licensed Insolvency Trustee.
Find Out How Much You Can 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 David
“Spergel has been a true lifesaver for me. Facing overwhelming debts and a very challenging time in my life in general, they expertly navigated me through the bankruptcy process with compassion and efficiency. Their hands-on approach made the process seamless. Now, I’m on the road to financial recovery, free from the burdens of the past. Thank you, Spergel, for providing the support I needed for a fresh start.”
– David, Ontario
David’s Story is just one of many
David’s story is just one example of how bankruptcy, when guided by the right support, can offer real hope and lasting relief. Whether you’re dealing with personal loans, tax debt, or creditor pressure, bankruptcy can be a lifeline. Explore more Success Stories from Canadians we’ve helped — or reach out so we can help you, too.
They Said It Best
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