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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.

08/04/2026

Meet Stacie. 💙

As a university student, Stacie was living paycheque to paycheque while trying to support herself. Over time, debt became overwhelming, and she felt like she had run out of options.

Then she made one decision that changed everything: she reached out for help.

With the support of the Spergel team, Stacie entered a consumer proposal and gained something she’d been missing for a long time - a clear path forward.

In her own words:

“I could see my life coming back into order. I knew I was moving toward financial freedom.”

Today, she describes her fresh start like this:

“It feels like that looming thundercloud is gone. I’m free to rebuild what I lost years ago.”

If you’re feeling overwhelmed by debt, know that you don’t have to navigate it alone. Understanding your options is the first step towards taking back control.

💙 Learn more about Stacie’s story through the link in our bio. And if you’re ready to explore your own options, book a free, confidential consultation with one of our Licensed Insolvency Trustees.

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07/21/2026

Moving home is exciting... but it can also come with more expenses than you expect.

While it’s easy to budget for the big things, it’s often the smaller costs that catch people by surprise. From packing supplies and utility setup fees to new household essentials, they can quickly add up.

A little planning now can help your move go more smoothly - and reduce financial stress along the way.

♥️ Save this checklist before moving day, or share it with someone who’s planning a move.

If debt or financial pressure is making your move more challenging, book a free, confidential consultation with one of our Licensed Insolvency Trustees to explore your options: spergel.ca/contact

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07/16/2026

Subscriptions are easy to forget about - but they can quietly eat into your budget month after month.

Take five minutes today to review what’s coming out of your account.

Ask yourself: ✔️ Do I still use it? ✔️ Is it worth the monthly cost? ✔️ Have any free trials rolled into paid plans? ✔️ Could I pause or cancel it for now?

Even cancelling one or two subscriptions can free up money for savings, paying down debt, or covering everyday expenses.

Small changes won’t solve every financial challenge, but they can be a great place to start.

💾 Save this post as a reminder to check your subscriptions this month.

And if you’re finding it difficult to keep up with monthly payments or debt, book a free, confidential consultation with one of our Licensed Insolvency Trustees to explore your options: spergel.ca/contact

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07/10/2026

Half the fun of summer isn’t how much you spend... it’s who you spend it with!

From picnics in the park to free community events, there are plenty of ways to make the most of the season without stretching your budget.

A little planning can help you enjoy summer while staying on track with your financial goals.

☀️ Try one of these ideas this month:
✔️ Pack a picnic instead of eating out
✔️ Explore somewhere new close to home
✔️ Host a potluck with friends
✔️ Check out free local events
✔️ Set a realistic weekly summer budget

Save this post for your next sunny day. And if financial stress is making it hard to enjoy the summer, book a free, confidential consultation with one of our Licensed Insolvency Trustees to explore your options: spergel.ca/contact

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07/01/2026

06/30/2026

Debt isn't just affecting Canadians' bank balances. It's affecting their wellbeing.

According to Spergel's 3rd Annual Debt Load & Psychological Wellbeing Study, 69% of respondents experienced moderate to extreme stress because of their debt or financial situation, with almost half describing that stress as extreme.

The research also found:

• 90% experienced constant worry about money or debt
• 93% said rising living costs pushed them deeper into debt
• 84% said overwhelming stress was the first warning sign that debt had become a problem

These findings remind us that debt isn't just a financial issue... it's one that affects people's mental health, relationships, and quality of life.

📖 Read the full report to explore the findings and learn why getting help sooner can make a difference.

🔗 Download the report here: spergel.ca/learning-centre/debt-load-study

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06/29/2026

Owning a home shouldn’t come at the cost of your financial wellbeing.

If keeping up with your mortgage is becoming increasingly difficult, you’re not alone. Rising interest rates and the cost of living have put many Canadian homeowners under pressure.

Recognising the signs early can give you more time to explore your options before the situation becomes more serious.

If any of these signs sound familiar, don’t ignore them.

💙 Save this post for future reference. If you’re worried about your mortgage or other debts, book a free, confidential consultation with one of our Licensed Insolvency Trustees to understand the options available to you.

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06/26/2026

If you’ve been feeling financially exhausted lately, you’re not imagining it.

Many Canadians are facing the combined impact of rising living costs, higher interest rates, and debt that’s becoming harder to manage.

Financial stress isn’t just about numbers on a bank statement. It can affect your sleep, your mental health, your relationships, and your overall wellbeing.

If any of this feels familiar, remember this: struggling doesn’t mean you’ve failed. Sometimes it means you’re navigating circumstances that have become much harder.

Save this post as a reminder that you’re not alone. And if debt is making it difficult to move forward, book a free, confidential consultation with one of our Licensed Insolvency Trustees to explore your options: spergel.ca/contact

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06/25/2026

When you’re struggling with debt, it’s easy to feel like you’ve run out of options.

For Angela, that meant assuming bankruptcy was the only path forward.

But one phone call changed everything.

Sometimes the hardest step is simply reaching out and asking questions. Understanding your options doesn’t commit you to anything - it just gives you the information you need to make the best decision for your situation.

If debt has been weighing on you, know that you don’t have to figure it out alone.

Save this post for the reminder. And if you’re wondering what your options are, book a free, confidential consultation with one of our Licensed Insolvency Trustees: spergel.ca

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Address

120 Adelaide Street West, Suite #2500
Toronto, ON
M5H1T1

Opening Hours

Monday	9am - 7pm
Tuesday	9am - 7pm
Wednesday	9am - 7pm
Thursday	9am - 7pm
Friday	9am - 7pm

Website

https://www.spergel.ca/contact/toronto-downtown/

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