Your iPhone may automatically silence calls from numbers not in your contacts. Turn it off in 3 steps:
What to expect
Here's exactly what happens next
Your answers are reviewed
A licensed Spergel advisor reviews your quiz results to understand your situation before they call. This means the call is focused on you — not generic questions you've already answered.
Happens behind the scenesYour advisor calls you
Expect a call from a 289 number. The conversation is confidential, takes about 10–15 minutes, and comes with zero obligation. They'll tell you honestly whether a consumer proposal is the right fit — or not.
Within 1 business dayYou get a clear plan
If a consumer proposal makes sense for your situation, your advisor walks you through exactly what that looks like — what you'd pay, how long it takes, and what stops immediately (interest, collection calls, legal action).
On the call
About Spergel
Trusted by Canadians since 1989
established
helped
experience
Spergel is one of Canada's most established Licensed Insolvency Trustee firms. A consumer proposal is a legal process regulated by the federal government — it's not a loan, not a consolidation, and not a settlement negotiation. It's a formal arrangement that can reduce what you owe, stops interest from growing, and ends collection calls from the date it's filed.
There's no shame in where you are.
Most of the Canadians we work with are hard-working people who hit a wall — a job loss, a relationship ending, a medical situation, or just years of interest eating into every payment. You're not here because you were irresponsible. You're here because you're ready to do something about it. That's the part that matters.