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.
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Everyone’s financial situation is different — choose the path that best reflects your life right now, and we’ll show you your personalized options. No judgment. Just clarity.
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It starts with a conversation.
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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.
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
What's the First Step for Getting Debt Help?
The first step is to speak to a Licensed Insolvency Trustee.
Licensed Insolvency Trustees (LITs) are the only professionals able to administer the two legal forms of debt relief: a consumer proposal and bankruptcy.
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Get Informed, Feel Empowered
Money Tips, Tools & Trackers, Research, Articles, Media and More!
The ultimate holiday spending money guide (2025 edition)
The holidays should feel joyful – not stressful. Yet many Canadians overspend without realizing it until the credit card bill arrives in January.
Gift Giving Budget Tracker
Feeling stressed about gift shopping and budgets? We get it. That’s why we built this free, user-friendly Gift Giving Budget Tracker to help you plan ahead and spend with confidence.
Debt Load and the Impact to Psychological Wellbeing
Uncovering how debt impacts the mental health and wellbeing of Canadians and how debt relief can change lives.
What To Say When Debt Collectors Call
Getting a call from a debt collector can feel overwhelming. This guide gives you the exact scripts, tips, and resources you need to stay calm, protect your rights, and take control.
The Mortgage Renewal Survival Guide
If your mortgage is up for renewal, you’re not alone in feeling the pressure. With soaring interest rates and inflated costs, millions of Canadians are facing significantly higher monthly payments.
Back to School Without the Debt
This e-book, reveals how debt quietly accumulates and how lenders profit from your struggles.
Bankruptcy exemptions by province in 2025
Are you considering filing for bankruptcy? Like many Canadians, you might be under the impression that you lose everything when you file.
Surplus income limits in Canada – updated for 2025
Each year, the Office of the Superintendent of Bankruptcy updates the surplus income limits for individuals filing for bankruptcy in Canada.
Annual / Monthly Budget Tracker
Feeling overwhelmed by your finances? We understand. That’s why we created this free, user-friendly Budget Template.
Unsure about filing for debt relief? Here’s how to feel confident in your next step
Starting the journey to deal with your debt is a big, brave step – but it’s also completely normal to feel unsure about filing for debt relief.
The hidden stress of everyday spending in Canada
Many Canadians worry about major life costs – mortgages, car loans, or tuition – but there’s another, quieter source of financial stress that often gets overlooked: everyday spending.
What Schools Didn’t Teach You About Managing Debt
This e-book, reveals how debt quietly accumulates and how lenders profit from your struggles.
The Real Cost of Borrowing: How Debt Sneaks Up On You
This e-book, reveals how debt quietly accumulates and how lenders profit from your struggles.
From Survival to Stability: How to Budget When Every Dollar Counts
This e-book, reveals how debt quietly accumulates and how lenders profit from your struggles.
Breaking Free: How to Overcome Debt and Reclaim Your Peace of Mind
This e-book, reveals how debt quietly accumulates and how lenders profit from your struggles.
Debt and Relationships: Navigating Financial Struggles as a Couple or Family
This e-book, reveals how debt quietly accumulates and how lenders profit from your struggles.
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The Mental Health Impact of Debt: A Groundbreaking Study
Our research reveals the powerful, often hidden ways financial stress is affecting the mental health of Canadians.
For thousands of Canadians, debt is a silent source of anxiety, lost sleep, and feelings of isolation. Our groundbreaking study, “Debt Load and the Impact to Psychological Wellbeing,” confirms what you’ve been feeling and reveals just how common this struggle is. It’s time to break the stigma and talk about it.
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Use the map to find a Spergel office near you and connect with a Licensed Insolvency Trustee.
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