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# Spergel: Licensed Insolvency Trustees

## Sitemaps
[XML Sitemap](https://www.spergel.ca/sitemap_index.xml): Includes all crawlable and indexable pages.

## Posts
- [How to remove collections from your credit report in Canada (2026)](https://www.spergel.ca/learning-centre/remove-collections-from-credit-report-in-canada/): Many Canadians experience financial difficulties at some point in their lives. Whether due to job loss, illness, divorce, rising living costs, or unexpected expenses, falling behind on bills can happen to anyone.
- [How to save money on groceries in Canada: 10 practical tips](https://www.spergel.ca/learning-centre/how-to-save-money-on-groceries/): With grocery prices rising across the country and the cost of living soaring, learning how to coupon in Canada isn’t just a savvy move - it’s a smart way to take control of your spending.
- [What To Say When Debt Collectors Call](https://www.spergel.ca/learning-centre/debt-collector-script/): 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.
- [How to leave a marriage with no money in Canada: a step-by-step guide to financial independence](https://www.spergel.ca/learning-centre/how-to-leave-a-marriage-with-no-money/): Leaving a marriage is never easy, but it can feel especially overwhelming if you have little or no money of your own.
- [Surplus income limits in Canada – updated for 2026](https://www.spergel.ca/learning-centre/surplus-income-limits/): Each year, the Office of the Superintendent of Bankruptcy (OSB) updates the surplus income limits for individuals filing for bankruptcy in Canada.
- [Is Spergel legit? What you need to know before choosing a debt help company](https://www.spergel.ca/learning-centre/is-spergel-legit/): Yes, Spergel is a legitimate Licensed Insolvency Trustee firm in Canada, regulated by the federal government.  This means that Spergel is legally authorized to help Canadians reduce or eliminate debt.
- [Why are groceries so expensive in Canada? (2026 update)](https://www.spergel.ca/learning-centre/why-are-groceries-so-expensive/): Canadians have been facing skyrocketing grocery bills in recent years, with a family of four looking to have to fork out around $800 more for food in 2025.
- [The cost of living in British Columbia (2026): monthly expenses, cities, and income needed](https://www.spergel.ca/learning-centre/the-cost-of-living-in-bc/): Living in British Columbia offers stunning scenery, thriving cities, and a desirable lifestyle - but all of that comes at a cost.
- [The cost of living in Ontario in 2026: monthly expenses, cities, and salary needed](https://www.spergel.ca/learning-centre/the-cost-of-living-in-ontario/): Whether you already live in Ontario or are planning a move, understanding the true cost of living in 2026 is essential. With rising housing costs, grocery prices, and rising interest rates still impacting household budgets, many Ontarians are feeling financial pressure.
- [Why you should never pay a collection agency](https://www.spergel.ca/learning-centre/why-you-should-never-pay-a-collection-agency/): If you fall behind on payments for credit cards, loans, tax debt, or other bills, your creditor may eventually send the account to a collection agency.
- [Real life client story: She didn’t just file, she finished. A 60-month consumer proposal](https://www.spergel.ca/learning-centre/stacie-success-story/): How student debt and living paycheque to paycheque overwhelmed a young student - and how she found a fresh start.
- [Real life client story: When a business didn’t work out, debt followed – and asking for help changed everything](https://www.spergel.ca/learning-centre/esther-success-story/): How a business setback and rising debt left a mother feeling overwhelmed - and how seeking help restored stability.
- [Real life client story: From injury to financial crisis: how a pro athlete rebuilt stability through a consumer proposal](https://www.spergel.ca/learning-centre/meshack-success-story/): How a career-changing injury left a professional athlete facing overwhelming debt - and how a consumer proposal gave his family stability and hope.
- [Real life client story: How a consumer proposal helped Ruby rebuild her mental health and stability](https://www.spergel.ca/learning-centre/ruby-success-story/): How debt, betrayal, and wage garnishment pushed a young professional to the breaking point - and how a consumer proposal helped her rebuild her mental health and stability.
- [Tax Stress Survey 2026: A cash-flow stress test for Canadians](https://www.spergel.ca/learning-centre/spergel-canadian-tax-stress-survey-2026/): In a survey of 210 Canadians, many expect to owe money, some report cutting back on essentials. Payment arrangements are becoming the default plan for managing CRA balances.
- [2026 Canada tax deadline: when to file and when to pay](https://www.spergel.ca/learning-centre/canada-tax-deadline/): If you’re filing your 2025 income tax return in 2026, it’s important to know exactly when your return is due - and when payment is required.
- [Grocery Debt: the “New Normal” for Canadians in 2026: What Spergel’s survey reveals](https://www.spergel.ca/learning-centre/grocery-debt-the-new-normal-for-canadians-in-2026/): A recent survey of Canadians reveals a startling shift in how we buy food. Over 60% of respondents report skipping meals or reducing portions to save money. This report explores the "credit orbit" and the rising trend of juggling bills to afford basic essentials.
- [The average cost of living in Canada: a breakdown by province in 2026](https://www.spergel.ca/learning-centre/average-cost-of-living-in-canada/): The average cost of living in Canada can vary significantly depending on where you live, making it crucial for individuals and families to understand these differences when planning their budgets.
- [Informal Debt Settlement in Canada (2026): How it Works, Risks, and Better Alternatives](https://www.spergel.ca/learning-centre/how-to-negotiate-with-your-creditors-in-2026/): Many Canadians want to get out of debt without filing anything formal - no bankruptcy, no consumer proposal, no court process, and no trustee involvement. That’s where informal debt settlement comes in.
- [Retirement Debt Guide](https://www.spergel.ca/learning-centre/retirement-debt-guide/): A free, practical guide to help you understand your debt relief options, protect what matters most, and move into retirement with confidence.
- [Stay in Business: How to handle small business debt](https://www.spergel.ca/learning-centre/stay-in-business/): If debt, CRA obligations, or cash flow stress are putting your business at risk, this free guide shows you how to regain control, without judgment or guesswork.
- [Spergel’s Financial Hangover Survey & Results](https://www.spergel.ca/learning-centre/spergels-financial-hangover-survey-results/): As Blue Monday approaches, Spergel’s Financial Hangover survey reveals how deeply holiday spending has impacted Canadians’ financial and emotional wellbeing.
- [The ultimate holiday spending guide (2025)](https://www.spergel.ca/learning-centre/holiday-spending-money-guide/): 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](https://www.spergel.ca/learning-centre/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](https://www.spergel.ca/learning-centre/debt-load-study/): Uncovering how debt impacts the mental health and wellbeing of Canadians and how debt relief can change lives.
- [The Mortgage Renewal Survival Guide](https://www.spergel.ca/learning-centre/mortgage-renewal-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](https://www.spergel.ca/learning-centre/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](https://www.spergel.ca/learning-centre/bankruptcy-exemptions-by-province/): Are you considering filing for bankruptcy? Like many Canadians, you might be under the impression that you lose everything when you file.
- [Annual / Monthly Budget Tracker](https://www.spergel.ca/learning-centre/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](https://www.spergel.ca/learning-centre/unsure-about-filing-for-debt-relief/): 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](https://www.spergel.ca/learning-centre/everyday-spending/): 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](https://www.spergel.ca/learning-centre/what-schools-didnt-teach-you/): 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](https://www.spergel.ca/learning-centre/the-real-cost-of-borrowing/): 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](https://www.spergel.ca/learning-centre/from-survival-to-stability/): 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](https://www.spergel.ca/learning-centre/breaking-free/): 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](https://www.spergel.ca/learning-centre/navigating-financial-struggles-as-a-couple-or-family/): This e-book, reveals how debt quietly accumulates and how lenders profit from your struggles.
- [Rebuilding After Debt: A Step-by-Step Guide to Financial Stability](https://www.spergel.ca/learning-centre/rebuilding-after-debt/): This e-book, reveals how debt quietly accumulates and how lenders profit from your struggles.
- [Groceries Budget Tracker](https://www.spergel.ca/learning-centre/groceries-budget-tracker/): Want to take control of your grocery budget? Our free Groceries Budget Tracker helps you organize expenses, track spending, and stay on top of your finances with ease!
- [Goal Tracker Template](https://www.spergel.ca/learning-centre/goal-tracker-template/): Want to make this year your best yet? Our free Goal Tracker Template empowers you to set clear goals, track your progress, and stay motivated throughout the year!
- [Daily Spending Tracker](https://www.spergel.ca/learning-centre/spending-tracker/): Take control of your finances! Our free Daily Spending Tracker helps you log expenses, track income, and visualize your spending habits — so you can stay on budget and reach your financial goals.
- [Debt and rent in Canada: what to do if you’re behind on payments](https://www.spergel.ca/learning-centre/debt-and-rent-canada/): Falling behind on rent? You’re not alone. With the rising cost of living, more Canadians are facing the difficult reality of choosing between paying rent and managing debt.
- [What NOT to do before filing bankruptcy or a consumer proposal](https://www.spergel.ca/learning-centre/what-not-to-do-before-filing/): Considering filing bankruptcy or a consumer proposal in Canada? These are powerful legal debt relief solutions that can help you erase debt and rebuild your financial future.
- [How rent increases are impacting Canadian households – and what you can do about it](https://www.spergel.ca/learning-centre/rent-increases-canada/): Across Canada, rent increases are straining household budgets and forcing families to make tough financial choices. In many cities, the cost of renting has risen faster than wages, making it harder to afford basic living expenses - let alone get ahead.
- [Parenting and debt: how to stay afloat when raising kids isn’t cheap](https://www.spergel.ca/learning-centre/parenting-and-debt/): Across Canada, rent increases are straining household budgets and forcing families to make tough financial choices.
- [House rich, cash poor? Why a consumer proposal may be a smarter option than a reverse mortgage](https://www.spergel.ca/learning-centre/house-rich-cash-poor/): 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.
- [Reverse mortgage vs consumer proposal: which is the best solution for homeowners?](https://www.spergel.ca/learning-centre/reverse-mortgage-vs-consumer-proposal/): 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.
- [Why do I have different credit scores?](https://www.spergel.ca/learning-centre/why-do-i-have-different-credit-scores/): Ever checked your credit score on two different apps - only to see two totally different numbers? You’re not alone.
- [Debt denial: what it is and how to overcome it](https://www.spergel.ca/learning-centre/debt-denial/): Struggling with debt but convincing yourself it's not a big deal? Burying your head in the sand, hoping it might go away eventually? You might be experiencing debt denial.
- [Can I ignore debt collectors? What really happens if you do](https://www.spergel.ca/learning-centre/can-i-ignore-debt-collectors/): Wondering "can I ignore debt collectors?" Short answer: you can, but it will likely make things worse. Here's what really happens if you ignore debt collectors in Canada - and what to do instead.
- [Overcoming embarrassment and debt shame](https://www.spergel.ca/learning-centre/overcoming-debt-shame/): Debt can be a heavy burden to carry, not just financially but emotionally. At Spergel, we know that one of the biggest barriers to seeking help is the embarrassment and debt shame people feel about their financial struggles.

## Pages
- [Buy Now, Pay Later Survey](https://www.spergel.ca/buy-now-pay-later/): Buy Now, Pay Later (BNPL) has quietly become one of the fastest-growing forms of consumer credit in Canada. It remains largely misunderstood, lightly regulated, and often excluded from traditional debt conversations.
- [Intake Form](https://www.spergel.ca/intake-form/)
- [Protected: Home – Type B](https://www.spergel.ca/home-type-b/): See what we can do for your debt.
- [Spergel in the News](https://www.spergel.ca/spergel-in-the-news/): Our media features across major news outlets.
- [Protected: Testimonial-approval](https://www.spergel.ca/testimonial-approval/)
- [Google Reviews](https://www.spergel.ca/reviews/): When you’re searching for debt help from a licensed insolvency trustee, reviews matter. We’re proud to be consistently recognized for compassionate support, expert solutions, and results that speak for themselves.
- [Home](https://www.spergel.ca/): It takes less than 1 minute to see how we can help.
- [Creditor Package Requests](https://www.spergel.ca/contact/creditor-package-requests/): Need a creditor package? We’ll respond promptly during regular business hours.
- [Existing Clients](https://www.spergel.ca/contact/existing-clients/): Already a Spergel client? We're here for you.
- [Small Business](https://www.spergel.ca/business-and-self-employed/): We help you resolve business and tax debt while ensuring financial stability.
- [Retirees & Seniors](https://www.spergel.ca/retirees-and-seniors/): Keep your home and retirement secure while finding real relief from debt.
- [Households](https://www.spergel.ca/households/): We help you get out of debt while protecting your security and peace of mind.
- [Individuals & Couples](https://www.spergel.ca/individuals-and-couples/): No pressure. No phone calls unless you ask. Just real answers - your way.
- [FAQ](https://www.spergel.ca/credit-counselling/faq/): Get clear, honest answers to the most common questions about credit counselling.
- [Getting Started](https://www.spergel.ca/credit-counselling/getting-started/): Learn more about taking the next step with credit counselling.
- [Outcomes](https://www.spergel.ca/credit-counselling/outcomes/): A closer look at what you'll learn through credit counselling.
- [Benefits](https://www.spergel.ca/credit-counselling/benefits/): Understand how credit counselling can help.
- [Credit Counselling](https://www.spergel.ca/credit-counselling/): Everything you need to know to get started.
- [FAQ](https://www.spergel.ca/debt-settlement/faq/): We’re here to answer your questions about debt settlement in Canada, and to help guide you toward a fresh financial start.
- [Comparison](https://www.spergel.ca/debt-settlement/comparison/): Understanding the pros and cons of each option can help you take the first confident step toward financial freedom.
- [How to Apply](https://www.spergel.ca/debt-settlement/how-to-apply/): Not sure where to start? Let’s walk through the debt settlement process in Canada — step by step — so you know exactly what to expect.
- [Types](https://www.spergel.ca/debt-settlement/types/): Learn how debt settlement options in Ontario can help reduce what you owe and protect your future.
- [Benefits](https://www.spergel.ca/debt-settlement/benefits/): Understand the real benefits of debt settlement in Canada before choosing the right path forward.
- [Debt Settlement](https://www.spergel.ca/debt-settlement/): Here’s what you need to know about debt settlement in Canada.
- [FAQ](https://www.spergel.ca/debt-consolidation/faq/): Discover the answers to your top debt consolidation questions.
- [Comparison](https://www.spergel.ca/debt-consolidation/comparison/): Not sure which option is best for you? At Spergel, we break it down clearly so you can make the right decision for your financial future.
- [How to Apply](https://www.spergel.ca/debt-consolidation/how-to-apply/): A Simple, Supportive Guide to Debt Relief in Canada.
- [Exemptions](https://www.spergel.ca/debt-consolidation/exemptions/): Learn more about what can be included (and what can’t) when it comes to debt consolidation.
- [Pros and Cons](https://www.spergel.ca/debt-consolidation/pros-and-cons/): See how the benefits stack up.
- [Debt Consolidation](https://www.spergel.ca/debt-consolidation/): Here are the basics of how to consolidate debt in Canada.
- [FAQ](https://www.spergel.ca/bankruptcy/faq/): We’re here to answer your questions about filing for personal bankruptcy in Canada, and to help guide you toward a fresh financial start.
- [Comparison](https://www.spergel.ca/bankruptcy/comparison/): If you're overwhelmed by debt, filing for personal bankruptcy isn't the only option. Discover practical alternatives that may offer the relief you need.
- [How to File](https://www.spergel.ca/bankruptcy/how-to-file/): Filing for personal bankruptcy in Canada might feel overwhelming, but with the right support, it’s more straightforward than you think. Here's how to take your first step toward a fresh start.
- [Wage Garnishment](https://www.spergel.ca/laws-and-debt-collection/wage-garnishment/): Are you facing a wage garnishment? You don’t have to navigate it alone — we can help stop it.
- [Collection Calls](https://www.spergel.ca/laws-and-debt-collection/collection-calls/): Calls from debt collection agencies can be extremely stressful, particularly when they are happening on top of your overwhelming debt. You may not be sure where to turn or what to do next. But harassing debt collection calls don’t have to be your reality. Learn your rights and how to stop them — for good.
- [Ontario Debt Collection Rules](https://www.spergel.ca/laws-and-debt-collection/ontario/): You have rights. And knowing them is the first step to relief.
- [Laws and Debt Collection](https://www.spergel.ca/laws-and-debt-collection/): Understand your rights. Regain your peace of mind.
- [Small Business Debt](https://www.spergel.ca/types-of-debt/small-business/): Owning a business comes with its rewards — but managing debt shouldn’t overshadow them.
- [CRA Tax Debt](https://www.spergel.ca/types-of-debt/cra-tax/): If you’re one of the many Canadians overwhelmed by tax debt, unexpected CRA bills, or years of back taxes, you do have options.
- [Line of Credit Debt](https://www.spergel.ca/types-of-debt/line-of-credit/): Supportive, practical help for when borrowing has gone too far.
- [Mortgage Debt](https://www.spergel.ca/types-of-debt/mortgage/): You’re not alone, and you’re not out of options.
- [Car Loan Debt](https://www.spergel.ca/types-of-debt/car-loan/): Vehicles can be a big expense, particularly when they require upkeep, and it often takes years to pay off a car loan fully.
- [Payday Loan Debt](https://www.spergel.ca/types-of-debt/payday-loan/): There’s always a way forward — and it starts here.
- [Credit Card Debt](https://www.spergel.ca/types-of-debt/credit-card/): With credit card limits increasing and a growing reliance on credit cards in daily life, it’s easy for credit card debt to spiral — and it can feel overwhelming.
- [Student Loan Debt](https://www.spergel.ca/types-of-debt/student/): Your Education Should Uplift You — Not Weigh You Down.
- [Types of Debt](https://www.spergel.ca/types-of-debt/): There are many ways debt can creep in — let’s explore what you’re dealing with so you can move forward with clarity and confidence.
- [Exemptions](https://www.spergel.ca/bankruptcy/exemptions/): Learn who qualifies for bankruptcy.
- [Pros and Cons](https://www.spergel.ca/bankruptcy/pros-and-cons/): Eliminate overwhelming debt, stop collection calls, and get a fresh start — with full legal protection and expert support.
- [Bankruptcy](https://www.spergel.ca/bankruptcy/): A legal, government-regulated way to eliminate your debt and reset your financial future.

## Locations
- [Duncan](https://www.spergel.ca/locations/duncan/): Living with overwhelming debt can feel isolating, but real help is close to home.
- [Winnipeg](https://www.spergel.ca/locations/winnipeg/): If overwhelming debt is keeping you up at night, know that real solutions are available close to home.
- [Waterloo](https://www.spergel.ca/locations/waterloo/): If overwhelming debt is keeping you up at night, know that real solutions are available close to home.
- [Victoria](https://www.spergel.ca/locations/victoria/): If you’re struggling with overwhelming debt, know that there are solutions available right here in Victoria.
- [Vancouver](https://www.spergel.ca/locations/vancouver/): Real debt relief is possible, and it starts with the right support.
- [Toronto – Downtown](https://www.spergel.ca/locations/toronto-downtown/): Managing debt in Toronto can feel overwhelming, especially when you’re juggling the demands of city life.
- [Toronto – Danforth](https://www.spergel.ca/locations/toronto-danforth/): Struggling with overwhelming bills can feel like there’s no way out, but the truth is, there are proven solutions available.
- [Swift Current](https://www.spergel.ca/locations/swift-current/): Visit us in Swift Current and learn more about our debt-free solutions
- [St. Catharines](https://www.spergel.ca/locations/st-catharines/): Debt can take a heavy toll on your life, but real relief is closer than you think.
- [Saskatoon](https://www.spergel.ca/locations/saskatoon/): Life in Saskatchewan can bring unexpected financial challenges, and when debt feels overwhelming, knowing where to turn makes all the difference.
- [Regina](https://www.spergel.ca/locations/regina/): Debt doesn’t have to define your tomorrow.
- [Prince George](https://www.spergel.ca/locations/prince-george/): When financial pressure builds, it can feel like you’re out of options.
- [Peterborough](https://www.spergel.ca/locations/peterborough/): Finding a path out of debt can feel overwhelming, but you don’t have to walk it alone.
- [Ottawa](https://www.spergel.ca/locations/ottawa/): Struggling with overwhelming debt doesn’t mean you’re out of options.
- [Oshawa](https://www.spergel.ca/locations/oshawa/): When financial pressure builds, it can feel like you’re out of options.
- [North York (Head Office)](https://www.spergel.ca/locations/north-york/): Struggling with overwhelming debt doesn’t mean you’re out of options.
- [Mississauga](https://www.spergel.ca/locations/mississauga/): Living with overwhelming debt can feel isolating, but you don’t have to face it alone.
- [London](https://www.spergel.ca/locations/london/): Struggling with overwhelming debt can feel isolating, but you don’t have to face it alone.
- [Lloydminster](https://www.spergel.ca/locations/lloydminster/): Living with overwhelming debt can feel isolating, but real help is close to home.
- [Langley](https://www.spergel.ca/locations/langley/): Living with overwhelming debt can feel isolating, but real help is close to home.
- [Kindersley](https://www.spergel.ca/locations/kindersley/): If debt is weighing you down, you’re not alone, and you don’t need to face it without support.
- [Kelowna](https://www.spergel.ca/locations/kelowna/): If debt is weighing you down, you’re not alone, and you don’t need to face it without support.
- [Hamilton Mountain](https://www.spergel.ca/locations/hamilton-mountain/): If debt feels overwhelming, real help is close by.
- [Hamilton Downtown](https://www.spergel.ca/locations/hamilton-downtown/): If you’re struggling with debt, the right guidance can make all the difference.
- [Halifax](https://www.spergel.ca/locations/halifax/): If you live in Halifax and are struggling with debt, you don’t have to go through it alone.
- [Gatineau](https://www.spergel.ca/locations/gatineau/): If you live in Gatineau and are struggling with debt, you don’t have to go through it alone.
- [Colwood](https://www.spergel.ca/locations/colwood/): If you live in Colwood and are struggling with debt, you don’t have to go through it alone.
- [Campbell River](https://www.spergel.ca/locations/campbell-river/): If you live in Campbell River and are struggling with debt, you don’t have to go through it alone.
- [Calgary](https://www.spergel.ca/locations/calgary/): If you live in Calgary and are struggling with debt, you don’t have to go through it alone.
- [Burnaby](https://www.spergel.ca/locations/burnaby/): If you’re looking for trusted debt relief in British Columbia, Spergel’s Burnaby office is here to guide you.
- [Burlington](https://www.spergel.ca/locations/burlington/): If you live in Burlington and are struggling with debt, you don’t have to go through it alone.
- [Brantford](https://www.spergel.ca/locations/brantford/): Finding a path out of debt can feel overwhelming, but you don’t have to walk it alone.
- [Barrie](https://www.spergel.ca/locations/barrie/): If you live in Barrie and feel weighed down by debt, you don’t have to face it alone. At Spergel, our Licensed Insolvency Trustees provide trusted, compassionate guidance to help you find relief. We know every financial situation is different, so we take the time to listen and design a plan that’s right for you. From credit card balances to tax debt, our Barrie office is here to help you build a brighter future.
- [Aurora](https://www.spergel.ca/locations/aurora/): Finding a path out of debt can feel overwhelming, but you don’t have to walk it alone.

## Team Members
- [Graeme Hamilton](https://www.spergel.ca/about-us/meet-the-team/graeme-hamilton/): If you’re ready - so are we.
- [Rob Kilner](https://www.spergel.ca/about-us/meet-the-team/rob-kilner/): If you’re ready - so are we.
- [Trevor B. Pringle](https://www.spergel.ca/about-us/meet-the-team/trevor-b-pringle/): If you’re ready - so are we.
- [Chris Galea](https://www.spergel.ca/about-us/meet-the-team/chris-galea/): If you’re ready - so are we.
- [Colin Boulton](https://www.spergel.ca/about-us/meet-the-team/colin-boulton/): If you’re ready - so are we.
- [Samantha Galea](https://www.spergel.ca/about-us/meet-the-team/samantha-galea/): If you’re ready - so are we.
- [Ashvin Sharma](https://www.spergel.ca/about-us/meet-the-team/ashvin-sharma/): If you’re ready - so are we.
- [Gillian Goldblatt](https://www.spergel.ca/about-us/meet-the-team/gillian-goldblatt/): If you’re ready - so are we.
- [Alan Spergel](https://www.spergel.ca/about-us/meet-the-team/alan-spergel/): If you’re ready - so are we.

## Timeline
- [Firm Achieves 2,750+ 5-star Reviews](https://www.spergel.ca/timeline/firm-achieves-2750-5-star-reviews/): The firm achieves and surpasses 2,750 publicly-facing 5-star Google and TrustPilot reviews, a testament to the firm’s commitment to providing exceptional debt-relief services for all Canadians.
- [A New Head Office for a National Firm](https://www.spergel.ca/timeline/a-new-head-office-for-a-national-firm/): With the addition of Alberta, Saskatchewan, Manitoba, Quebec, and Nova Scotia, the firm becomes a national insolvency firm and moves its head office to 200 Yorkland Blvd, Suite 1100, Toronto.
- [Gillian Goldblatt Appointed President of OAIRP](https://www.spergel.ca/timeline/gillian-goldblatt-appointed-president-of-oairp/): Spergel Partner, Gillian Goldblatt, is appointed President of the Ontario Association of Insolvency and Restructuring Professionals (OAIRP), which educates, supports, and advocates on behalf of all Ontario Licensed Insolvency Professionals (LITs).
- [Spergel Receives Accredited Business Status from the Better Business Bureau](https://www.spergel.ca/timeline/spergel-receives-accredited-business-status-from-the-better-business-bureau/): Better Business Bureau Canada recognizes Spergel for their commitment to ethical and trustworthy service, awarding the firm the BBB Accredited Business Seal.
- [Consumer Insolvency Moves to Virtual Meetings](https://www.spergel.ca/timeline/consumer-insolvency-moves-to-virtual-meetings/): In response to the COVID pandemic, the Office of the Superintendent of Bankruptcy allows Trustees to provide services virtually, greatly expanding a Trustee’s ability to see clients. The firm hires Trustee Graeme Hamilton to take over the Downtown Toronto practice.
- [30 Years in Business and Expansion to British Columbia](https://www.spergel.ca/timeline/30-years-in-business-and-expansion-to-british-columbia/): The firm celebrates 30 years in business and Trustee Ashvin Sharma, who started with the firm as a student in 2009, moves to B.C. to expand the firm to the West Coast.
- [Growing Practice Sees New Trustees Added](https://www.spergel.ca/timeline/growing-practice-sees-new-trustees-added/): The firm opens its first office in downtown Toronto at 120 Adelaide St. West. Trustee Mukul Manchanda joins the firm to expand the corporate insolvency practice and goes on to oversee the firm’s corporate insolvency group. Chris Galea’s daughter, Samantha, joins the firm and goes on to become a Trustee.
- [ICIN Joins the Global Restructuring & Insolvency Practitioners (GRIP) Network](https://www.spergel.ca/timeline/icin-joins-the-global-restructuring-insolvency-practitioners-grip-network/): ICIN joins a global network of independent insolvency firms to refer corporate restructuring and insolvency business. GRIP stretches from North America to Europe to Australia & Asia with over 45 firms.
- [Northern Ontario Expansion](https://www.spergel.ca/timeline/northern-ontario-expansion/): Trustee Rob Kilner joins the firm and takes over the Northern Ontario region.
- [Independent Canadian Insolvency Network (ICIN)](https://www.spergel.ca/timeline/independent-canadian-insolvency-network-icin/): Alan Spergel starts a national network of 8 independent insolvency practitioners to refer consumer insolvency business across the country. The network eventually grows to 13 members across Canada.
- [20 Years in Business](https://www.spergel.ca/timeline/20-years-in-business/): Mandelbaum Spergel Inc. celebrates 20 years in business, with over 20 offices covering all of Ontario. Alan’s daughter, Gillian Goldblatt, joins the firm and goes on become a Trustee.
- [Name Change to MSI Spergel Inc.](https://www.spergel.ca/timeline/name-change-to-msi-spergel-inc/): Mandelbaum Spergel Inc. changes its name to MSI Spergel Inc. and develops the red dots as its logo.
- [Alan Spergel Appointed Chairperson of CAIRP](https://www.spergel.ca/timeline/alan-spergel-appointed-chairperson-of-cairp/): President and Founder, Alan Spergel, appointed Chairperson of the Canadian Association of Insolvency and Restructuring Professionals, and oversees the drafting and approval of regulatory changes to the Bankruptcy and Insolvency Act (BIA) in 2009.
- [Expansion to Hamilton](https://www.spergel.ca/timeline/expansion-to-hamilton/): Trustee Trevor Pringle joins the firm and opens offices providing both consumer and corporate insolvency services in Hamilton and surrounding areas.
- [Mandelbaum Spergel Inc. Records 184 Consumer Filings in ONE MONTH](https://www.spergel.ca/timeline/mandelbaum-spergel-inc-records-184-consumer-filings-in-one-month/): The consumer insolvency group files a record 184 insolvency filings in a month.
- [Consumer Practice Growth](https://www.spergel.ca/timeline/consumer-practice-growth/): Trustee Jeff Adiken joins the firm and eventually takes over oversight of the consumer practice from Carl Ritchie.
- [Alan Spergel Gives Evidence at Bankruptcy Court in Turin, Italy](https://www.spergel.ca/timeline/alan-spergel-gives-evidence-at-bankruptcy-court-in-turin-italy/): As the court appointed Monitor, and subsequent Receiver, under a CCAA proceeding, Alan is called to testify at Bankruptcy Court in Turin, Italy on behalf of American Sensors.
- [CAIRP Representative, Alan Spergel Called to Government Senate Committee Hearing](https://www.spergel.ca/timeline/cairp-representative-alan-spergel-called-to-government-senate-committee-hearing/): Spergel President and Founder, Alan Spergel, represents the Canadian Association of Insolvency and Restructuring Professionals (CAIRP) at a Government Senate Committee hearing for the BIA (Bankruptcy & Insolvency Act).
- [Head Office Relocates to 505 Consumers Road](https://www.spergel.ca/timeline/head-office-relocates-to-505-consumers-road/): Mandelbaum Spergel Inc. moves to 505 Consumers Road. Alan hires Trustee Carl Ritchie to oversee the consumer insolvency division and Trustees Chris Galea and Colin Boulton to further expand the practice to Mississauga and Oshawa, respectively.
- [First Satellite Office](https://www.spergel.ca/timeline/first-satellite-office/): Mandelbaum Spergel Inc. opens its first satellite office at 307A Danforth Avenue, above a restaurant. The office remains one of the company’s locations to date.
- [Alan Spergel Opens an Insolvency Practice](https://www.spergel.ca/timeline/alan-spergel-opens-an-insolvency-practice/): Alan Spergel opens Mandelbaum Spergel Inc. located at 200 Consumers Road. The insolvency practice provides both consumer and corporate insolvency services, and Alan hires a part-time secretary as his only employee.
- [Firm Celebrates 35 Years in Business](https://www.spergel.ca/timeline/firm-celebrates-35-years-in-business/): Celebrating 35 years of excellence, dedication, and teamwork in providing Canadians with worldclass debt relief solutions.  Here’s to 35 more years of growth and success!