Spergel

Spergel For 30 years, we’ve helped 100,000+ people become debt free.

Whether you need personal or corporate debt help, at Spergel you will have the same team by your side guiding your personalized journey to the debt freedom you deserve.

05/21/2026

Buy Now, Pay Later can seem harmless in the moment... but the risks can add up quickly.

In this episode of the Moolala podcast, our Licensed Insolvency Trustee, Rob Kilner, joins Bruce Sellery to unpack:

• the rise of BNPL in Canada
• “debt stacking” and how small payments across multiple apps can spiral
• why “interest-free” doesn’t always mean cost-free
• what happens to BNPL debt in a consumer proposal
• how to use BNPL more responsibly

As more Canadians turn to BNPL for everyday spending, understanding the risks has never been more important.

🎧 Listen to the full episode here: moolala.ca/buy-now-pay-later-the-debt-trap-canadians-dont-see-coming/



buy now pay later canada | bnpl debt risks | debt stacking explained | consumer proposal bnpl debt | financial education canada | spergel podcast

05/19/2026

Gambling debt can happen faster than most people realize.

What often starts as “just trying to win it back” can quickly turn into credit card debt, loans, collection pressure, and overwhelming financial stress.

The important thing to know is this: there are options.

Our article explores:

✔️ Whether gambling debt can be forgiven in Canada
✔️ Consumer proposals and bankruptcy
✔️ Steps toward financial recovery
✔️ Where to get support without judgment

If gambling has started affecting your finances, you don’t have to face it alone.

🔗 Read the full article: spergel.ca/learning-centre/how-to-secure-gambling-debt-forgiveness-in-canada/



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“The team at Spergel assisted me throughout the process and were very patient, non-judgmental, and informative.” 💙Asking...
05/08/2026

“The team at Spergel assisted me throughout the process and were very patient, non-judgmental, and informative.” 💙

Asking for help with debt can feel overwhelming, especially when you’re unsure what to expect.

That’s why creating a supportive, judgment-free experience matters so much to us.

You deserve clear information, real support, and a space where you can ask questions without feeling embarrassed or pressured.

If debt has been weighing on you, you don’t have to navigate it alone.

🔗 Learn more about your options: spergel.ca/contact



debt help canada | licensed insolvency trustee reviews | non judgmental debt support | consumer proposal help canada | financial stress support | spergel testimonials

Feeling like your money disappears too quickly each month?Sometimes the hardest part of budgeting is simply knowing wher...
05/05/2026

Feeling like your money disappears too quickly each month?

Sometimes the hardest part of budgeting is simply knowing where to start.

Our free Annual / Monthly Budget Tracker helps you clearly see:

✔️ What’s coming in
✔️ What’s going out
✔️ Where you may be overspending
✔️ Progress toward savings or debt repayment goals

With simple dashboards and visual tracking tools, it’s designed to help you feel more organised, aware, and in control... without overcomplicating things.

Because budgeting isn’t about perfection.

It’s about clarity.

Download the free tracker: spergel.ca/learning-centre/budget-tracker/



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Groceries are one of the biggest pressure points for many Canadians right now.When prices keep rising, it’s easy to lose...
05/04/2026

Groceries are one of the biggest pressure points for many Canadians right now.

When prices keep rising, it’s easy to lose track of where your money is actually going... especially across multiple stores, impulse buys, and weekly top-ups.

Our free Groceries Budget Tracker helps you:
✔️ Track grocery spending
✔️ Compare budget vs actual costs
✔️ Spot patterns and savings opportunities
✔️ Feel more in control of your budget

Because budgeting isn’t about perfection - it’s about clarity.

🥦 Download your free tracker: spergel.ca/learning-centre/groceries-budget-tracker/



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04/28/2026

It’s possible to become debt-free without paying back everything you owe.

A consumer proposal is one option that many Canadians don’t realise exists - and it can be a turning point.

✔️ Reduce what you owe (sometimes by up to 80%)
✔️ One simple, predictable monthly payment
✔️ No interest - and no bankruptcy
✔️ Keep your assets, like your home or car

For many people, it’s a way to move forward with clarity and control... not overwhelm.

If you’re feeling stuck in debt, it’s worth understanding your options.

You owe it to yourself to explore what’s possible.

Learn more at spergel.ca



consumer proposal canada | reduce debt legally | avoid bankruptcy canada | debt relief options canada | manage debt payments | licensed insolvency trustee | spergel debt help

This Earth Day 🌎, it’s not just about what we consume... but how we consume it.Sustainable choices don’t just apply to t...
04/22/2026

This Earth Day 🌎, it’s not just about what we consume... but how we consume it.

Sustainable choices don’t just apply to the planet. They apply to your finances too.

Spending less and choosing more intentionally isn’t about restriction.
It’s about avoiding purchases that add pressure later.

When money is already tight, small decisions can have a bigger impact than we realize - on both your stress levels and your financial future.

Because the goal isn’t perfection.
It’s creating habits that feel manageable and sustainable over time.

If things already feel stretched, support is here when you’re ready: spergel.ca



sustainable spending habits | conscious consumption canada | reduce overspending | debt prevention tips | financial wellbeing canada | mindful spending habits | spergel financial support

You’re not bad with money.You’re navigating rising costs, high interest rates, and debt that’s designed to grow quietly ...
04/21/2026

You’re not bad with money.

You’re navigating rising costs, high interest rates, and debt that’s designed to grow quietly in the background.

When everything is going up at once, it’s easy to feel like you’re falling behind... even when you’re trying your best.

That feeling of being stuck isn’t a personal failure.
It’s often the result of a system that’s hard to manage alone.

The important thing is knowing this:
there are ways to take back control - and support is available if you need it.

You don’t have to figure it out on your own.

Visit spergel.ca/contact to book a free consultation.



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How much life insurance do you really need? 👀It’s one of the most common questions - and it’s not about picking a number...
04/20/2026

How much life insurance do you really need? 👀

It’s one of the most common questions - and it’s not about picking a number.

It comes down to something much simpler: what your income supports.

🏡 Your home
💵 Your bills
💰 Your debts
👶 The people who rely on you

A good place to start 👇
What would need to be covered if you weren’t there?

Save this for later 👇

For more simple ways to protect your income and your family, follow easyLife: easylifeinsure.ca



life insurance canada | how much life insurance do i need | mortgage protection canada | financial protection | income protection | family finances

04/15/2026

If you have more than $5,000 in debt, the most important thing you can do is understand your options.

A consumer proposal is one option many Canadians aren’t aware of - but it can make a real difference.

✔️ One simple, predictable monthly payment
✔️ Reduce what you owe (sometimes by up to 80%)
✔️ Avoid bankruptcy and keep your assets

For many people, it’s a way to move forward with clarity - not overwhelm.

You don’t have to figure this out alone.

🔗 Learn more about your options: spergel.ca/contact/



consumer proposal canada | reduce debt legally | avoid bankruptcy canada | debt help canada | manage debt payments | licensed insolvency trustee | spergel debt help

04/13/2026

Still only making minimum payments?

While it can feel like progress, most minimum payments go toward interest first, NOT the amount you owe.

That’s why balances can take years to come down, even when you’re paying every month.

If it feels like you’re stuck, it’s not a failure... it’s how debt is designed to work.

The important thing is knowing your options:
• ways to reduce interest
• strategies to pay down balances faster
• solutions that can lower what you owe

Small changes can make a big difference over time.

When you’re ready, we’re here to help you understand your options: spergel.ca



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Address

380 Wellington Street, Tower B 6th Floor
London, ON
N6A5B5

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Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

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