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71.ast-page-builder-template .entry-content[data-ast-blocks-layout] > .alignwide:where(:not(.uagb-is-root-container):not(.spectra-is-root-container)) > * {max-width: var(--wp--custom--ast-wide-width-size);}.ast-page-builder-template .entry-content[data-ast-blocks-layout] > .inherit-container-width > *,.ast-page-builder-template .entry-content[data-ast-blocks-layout] > *:not(.wp-block-group):where(:not(.uagb-is-root-container):not(.spectra-is-root-container)) > *,.entry-content[data-ast-blocks-layout] > .wp-block-cover .wp-block-cover__inner-container {max-width: none ;margin-left: auto;margin-right: auto;}.ast-page-builder-template .entry-content[data-ast-blocks-layout] > *,.ast-page-builder-template .entry-content[data-ast-blocks-layout] > .alignfull:where(:not(.wp-block-group):not(.uagb-is-root-container):not(.spectra-is-root-container)) > * {max-width: none;}.entry-content[data-ast-blocks-layout] .wp-block-cover:not(.alignleft):not(.alignright) {width: auto;}@media(max-width: 1200px) {.ast-separate-container .entry-content > .alignfull,.ast-separate-container .entry-content[data-ast-blocks-layout] > .alignwide,.ast-plain-container .entry-content[data-ast-blocks-layout] > .alignwide,.ast-plain-container .entry-content .alignfull {margin-left: calc(-1 * min(var(--ast-container-default-xlg-padding),20px)) ;margin-right: calc(-1 * min(var(--ast-container-default-xlg-padding),20px));}}@media(min-width: 1201px) {.ast-separate-container .entry-content > .alignfull {margin-left: calc(-1 * var(--ast-container-default-xlg-padding) );margin-right: calc(-1 * var(--ast-container-default-xlg-padding) );}.ast-separate-container .entry-content[data-ast-blocks-layout] > .alignwide,.ast-plain-container .entry-content[data-ast-blocks-layout] > .alignwide {margin-left: auto;margin-right: auto;}}@media(min-width: 992px) {.ast-separate-container .entry-content .wp-block-group.alignwide:not(.inherit-container-width) > :where(:not(.alignleft):not(.alignright)),.ast-plain-container 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533</svg></span><span class="menu-text">About Spergel</span></a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-2083"><a href="https://www.spergel.ca/about-us/meet-the-team/" class="menu-link"><span class="ast-icon icon-arrow"><svg class="ast-arrow-svg" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" version="1.1" x="0px" y="0px" width="26px" height="16.043px" viewbox="57 35.171 26 16.043" enable-background="new 57 35.171 26 16.043" xml:space="preserve"> 534<path d="M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z" /> 535</svg></span><span class="menu-text">Meet the Team</span></a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-2652"><a href="https://www.spergel.ca/licensed-insolvency-trustees/" class="menu-link"><span class="ast-icon icon-arrow"><svg class="ast-arrow-svg" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" version="1.1" 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560<div class="ast-builder-layout-element ast-flex site-header-focus-item ast-header-html-1" data-section="section-hb-html-1"> 561<div class="ast-header-html inner-link-style-"><div class="ast-builder-html-element"><div class="gtranslate_wrapper" id="gt-wrapper-55167636"></div> 562</div></div> </div> 563<aside role="region" 564class="header-widget-area widget-area site-header-focus-item header-widget-area-inner" data-section="sidebar-widgets-header-widget-3" > 565<section id="block-18" class="widget widget_block"><a class="btn mb-3 mb-lg-0" href="/contact/"> 566<span class="d-center"> 567<span style="padding-right:10px">Contact Us</span> 568<span class="fas fa-arrow-right"></span> </span> 569</a></section> </aside> 570</div> 571</div> 572</header><!-- #masthead --> 573<div id="content" class="site-content"> 574<div class="ast-container"> 575<div id="primary" class="content-area primary"> 576<main id="main" class="site-main"> 577<article 578class="post-2078 page type-page status-publish ast-article-single" id="post-2078" itemtype="https://schema.org/CreativeWork" itemscope="itemscope"> 579<div class="entry-content clear" 580itemprop="text"> 581<div data-elementor-type="wp-page" data-elementor-id="2078" class="elementor elementor-2078" data-elementor-post-type="page"> 582<div class="elementor-element elementor-element-629b974 py-5 py-lg-6 e-flex e-con-boxed e-con e-parent" data-id="629b974" data-element_type="container" data-e-type="container" data-settings="{"background_background":"classic"}"> 583<div class="e-con-inner"> 584<div class="elementor-element elementor-element-aaf3216 e-con-full e-flex e-con e-child" data-id="aaf3216" data-element_type="container" data-e-type="container"> 585<div class="elementor-element elementor-element-d1780d5 elementor-widget elementor-widget-heading" data-id="d1780d5" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default"> 586<h1 class="elementor-heading-title elementor-size-default">About Spergel</h1> </div> 587<div class="elementor-element elementor-element-6d589e1 elementor-widget elementor-widget-text-editor" data-id="6d589e1" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default"> 588<p>Canada’s Trusted Debt Help Experts for over 35 Years.</p> </div> 589</div> 590</div> 591</div> 592<div class="elementor-element elementor-element-87fc60a e-flex e-con-boxed e-con e-parent" data-id="87fc60a" data-element_type="container" data-e-type="container" data-settings="{"background_background":"classic"}"> 593<div class="e-con-inner"> 594<div class="elementor-element elementor-element-e92357b elementor-widget-tablet__width-initial elementor-widget elementor-widget-image" data-id="e92357b" data-element_type="widget" data-e-type="widget" data-widget_type="image.default"> 595<picture fetchpriority="high" decoding="async" class="attachment-full size-full wp-image-3017"> 596<source type="image/webp" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/about-spergel-collage.png.webp 1920w, https://www.spergel.ca/wp-content/uploads/2025/08/about-spergel-collage-300x43.png.webp 300w, https://www.spergel.ca/wp-content/uploads/2025/08/about-spergel-collage-1024x147.png.webp 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/about-spergel-collage-768x110.png.webp 768w, https://www.spergel.ca/wp-content/uploads/2025/08/about-spergel-collage-1536x221.png.webp 1536w" sizes="(max-width: 1920px) 100vw, 1920px"/> 597<img fetchpriority="high" decoding="async" width="1920" height="276" src="https://www.spergel.ca/wp-content/uploads/2025/08/about-spergel-collage.png" alt="Spergel - Meet the Team" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/about-spergel-collage.png 1920w, https://www.spergel.ca/wp-content/uploads/2025/08/about-spergel-collage-300x43.png 300w, https://www.spergel.ca/wp-content/uploads/2025/08/about-spergel-collage-1024x147.png 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/about-spergel-collage-768x110.png 768w, https://www.spergel.ca/wp-content/uploads/2025/08/about-spergel-collage-1536x221.png 1536w" sizes="(max-width: 1920px) 100vw, 1920px"/> 598</picture> 599</div> 600</div> 601</div> 602<div class="elementor-element elementor-element-eb80025 py-5 py-lg-6 e-flex e-con-boxed e-con e-parent" data-id="eb80025" data-element_type="container" data-e-type="container" data-settings="{"background_background":"classic"}"> 603<div class="e-con-inner"> 604<div class="elementor-element elementor-element-f30c146 e-con-full e-flex e-con e-child" data-id="f30c146" data-element_type="container" data-e-type="container"> 605<div class="elementor-element elementor-element-b2e7c07 e-con-full e-flex e-con e-child" data-id="b2e7c07" data-element_type="container" data-e-type="container"> 606<div class="elementor-element elementor-element-f8c9ab2 elementor-widget elementor-widget-heading" data-id="f8c9ab2" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default"> 607<h2 class="elementor-heading-title elementor-size-default">About Us</h2> </div> 608<div class="elementor-element elementor-element-f82c9fa elementor-widget elementor-widget-text-editor" data-id="f82c9fa" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default"> 609<p>Spergel is here to make debt relief feel less overwhelming â and a lot more human.</p> </div> 610<div class="elementor-element elementor-element-55dd74b elementor-widget elementor-widget-text-editor" data-id="55dd74b" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default"> 611<p>For over 35 years, weâve helped Canadians navigate debt with clarity, compassion, and real solutions that fit their lives. Whether you’re facing overwhelming credit card or business debt, worried about affording household expenses or having enough for retirement, our experts are here to guide you through your options and get you real results. </p><p>We believe everyone deserves a fresh start, without judgementor confusion. Thatâs why youâll work with a dedicated Licensed Insolvency Trustee who walks with you every step of the way â not a call centre or a rotating cast. Just honest help, from people who truly care.</p> </div> 612<div class="elementor-element elementor-element-3b9fcdd elementor-widget elementor-widget-custom-button" data-id="3b9fcdd" data-element_type="widget" data-e-type="widget" data-widget_type="custom-button.default"> 613<div class="elementor-widget-container treefrog-btn"> 614<a class="btn primary" href="/about-us/meet-the-team/" > 615<span class="d-center"> 616<svg xmlns="http://www.w3.org/2000/svg" width="25" height="25" viewB
616ox="0 0 25 25" fill="none"><path d="M8.59766 21.5645H20.9977C21.3291 21.5645 21.5977 21.2959 21.5977 20.9645V4.16445C21.5977 3.83308 21.3291 3.56445 20.9977 3.56445H4.19766C3.86629 3.56445 3.59766 3.83308 3.59766 4.16445V16.5645" stroke="#3A2572" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round"></path><path d="M12.5977 12.5645H8.59766M4.09766 21.0645L12.5977 12.5645L4.09766 21.0645ZM12.5977 12.5645V16.5645V12.5645Z" stroke="#3A2572" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round"></path></svg> <span style="padding-left:10px" >Meet Our Team</span> 617</span> 618</a> 619</div> 620</div> 621</div> 622<div class="elementor-element elementor-element-856e1ea e-con-full e-flex e-con e-child" data-id="856e1ea" data-element_type="container" data-e-type="container"> 623<div class="elementor-element elementor-element-5f924b4 elementor-widget elementor-widget-image" data-id="5f924b4" data-element_type="widget" data-e-type="widget" data-widget_type="image.default"> 624<picture decoding="async" class="attachment-full size-full wp-image-3176"> 625<source type="image/webp" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/spergel-team-photo.jpg.webp 992w, https://www.spergel.ca/wp-content/uploads/2025/08/spergel-team-photo-300x167.jpg.webp 300w, https://www.spergel.ca/wp-content/uploads/2025/08/spergel-team-photo-768x428.jpg.webp 768w" sizes="(max-width: 992px) 100vw, 992px"/> 626<img onload="Wpfcll.r(this,true);" src="https://www.spergel.ca/wp-content/plugins/wp-fastest-cache-premium/pro/images/blank.gif" decoding="async" width="992" height="553" data-wpfc-original-src="https://www.spergel.ca/wp-content/uploads/2025/08/spergel-team-photo.jpg" alt="Spergel team photo" data-wpfc-original-srcset="https://www.spergel.ca/wp-content/uploads/2025/08/spergel-team-photo.jpg 992w, https://www.spergel.ca/wp-content/uploads/2025/08/spergel-team-photo-300x167.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/spergel-team-photo-768x428.jpg 768w" data-wpfc-original-sizes="(max-width: 992px) 100vw, 992px"/> 627</picture> 628</div> 629</div> 630</div> 631</div> 632</div> 633<div class="elementor-element elementor-element-dcc458b py-5 py-lg-6 e-flex e-con-boxed e-con e-parent" data-id="dcc458b" data-element_type="container" data-e-type="container" data-settings="{"background_background":"classic"}"> 634<div class="e-con-inner"> 635<div class="elementor-element elementor-element-438e200 e-con-full e-flex e-con e-child" data-id="438e200" data-element_type="container" data-e-type="container"> 636<div class="elementor-element elementor-element-0bdd92e elementor-widget elementor-widget-heading" data-id="0bdd92e" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default"> 637<h2 class="elementor-heading-title elementor-size-default">Our History</h2> </div> 638<div class="elementor-element elementor-element-73dca80 elementor-widget elementor-widget-text-editor" data-id="73dca80" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default"> 639<p>From a single office to helping thousands across Canada, we’ve spent over 35 years guiding people toward lasting debt relief with care and compassion.</p> </div> 640<div class="elementor-element elementor-element-ba45437 e-con-full e-flex e-con e-child" data-id="ba45437" data-element_type="container" data-e-type="container" data-settings="{"background_background":"classic"}"> 641<div class="elementor-element elementor-element-e54ac98 elementor-widget elementor-widget-shortcode" data-id="e54ac98" data-element_type="widget" data-e-type="widget" data-widget_type="shortcode.default"> 642<div class="elementor-shortcode"> <div class="wpex horizontal-timeline wpex-horizontal-full-width arrow-top hdal-" data-layout="horizontal" data-autoplay="0" data-speed="" data-rtl="" id="horizontal-tl-367" data-id="horizontal-tl-367" data-sli
642desshow="5" data-arrowpos="top" data-center="" data-start_on="0" data-count="21" data-infinite="" data-focus_on="1" data-mbrp="480" data-tbrp="768" data-tlbrp="1024" data-mb_itm=""> 643<div class="exwptl-ftlb-bar"><span class="ftlb-item" data-scroll="ictl-3136-452478">The Beginning</span><span class="ftlb-item" data-scroll="ictl-3137-235257">Milestone</span><span class="ftlb-item" data-scroll="ictl-3134-335595">Today</span></div> <div class="hor-container"> 644<span class="timeline-hr"></span> 645<span class="timeline-pos-select"></span> 646<ul class="horizontal-nav"> 647<li class="ictl-3136-452478 wptl-feature" data-id="ictl-3136-452478"> 648<span class="tl-point">1989<i class="fa fa-circle no-icon"></i></span></li><li class="ictl-3137-235257 wptl-feature" data-id="ictl-3137-235257"> 649<span class="tl-point">1991<i class="fa fa-circle no-icon"></i></span></li><li class="ictl-3141-865538 " data-id="ictl-3141-865538"> 650<span class="tl-point">1998<i class="fa fa-circle no-icon"></i></span></li><li class="ictl-3143-316905 " data-id="ictl-3143-316905"> 651<span class="tl-point">1998<i class="fa fa-circle no-icon"></i></span></li><li class="ictl-3145-687828 " data-id="ictl-3145-687828"> 652<span class="tl-point">2002<i class="fa fa-circle no-icon"></i></span></li><li class="ictl-3146-301851 " data-id="ictl-3146-301851"> 653<span class="tl-point">2003<i class="fa fa-circle no-icon"></i></span></li><li class="ictl-3148-886521 " data-id="ictl-3148-886521"> 654<span class="tl-point">2005<i class="fa fa-circle no-icon"></i></span></li><li class="ictl-3150-314175 " data-id="ictl-3150-314175"> 655<span class="tl-point">2007 - 2009<i class="fa fa-circle no-icon"></i></span></li><li class="ictl-3152-356700 " data-id="ictl-3152-356700"> 656<span class="tl-point">2007<i class="fa fa-circle no-icon"></i></span></li><li class="ictl-3154-555802 " data-id="ictl-3154-555802"> 657<span class="tl-point">2009<i class="fa fa-circle no-icon"></i></span></li><li class="ictl-3156-732000 " data-id="ictl-3156-732000"> 658<span class="tl-point">2012<i class="fa fa-circle no-icon"></i></span></li><li class="ictl-3158-310273 " data-id="ictl-3158-310273"> 659<span class="tl-point">2013<i class="fa fa-circle no-icon"></i></span></li><li class="ictl-3160-172146 " data-id="ictl-3160-172146"> 660<span class="tl-point">2015<i class="fa fa-circle no-icon"></i></span></li><li class="ictl-3162-468622 " data-id="ictl-3162-468622"> 661<span class="tl-point">2017<i class="fa fa-circle no-icon"></i></span></li><li class="ictl-3164-796122 " data-id="ictl-3164-796122"> 662<span class="tl-point">2019<i class="fa fa-circle no-icon"></i></span></li><li class="ictl-3166-429522 " data-id="ictl-3166-429522"> 663<span class="tl-point">2020<i class="fa fa-circle no-icon"></i></span></li><li class="ictl-3168-342828 " data-id="ictl-3168-342828"> 664<span class="tl-point">2021<i class="fa fa-circle no-icon"></i></span></li><li class="ictl-3170-474865 " data-id="ictl-3170-474865"> 665<span class="tl-point">2022 - 2023<i class="fa fa-circle no-icon"></i></span></li><li class="ictl-3172-789544 " data-id="ictl-3172-789544"> 666<span class="tl-point">2022<i class="fa fa-circle no-icon"></i></span></li><li class="ictl-3174-628950 " data-id="ictl-3174-628950"> 667<span class="tl-point">2023<i class="fa fa-circle no-icon"></i></span></li><li class="ictl-3134-335595 wptl-feature" data-id="ictl-3134-335595"> 668<span class="tl-point">2024<i class="fa fa-circle no-icon"></i></span></li> </ul> 669</div> 670<ul class="horizontal-content"> 671<li class="post-3136 wp-timeline type-wp-timeline status-publish has-post-thumbnail hentry ast-article-single" id="3136!" > 672<div class="wpex-timeline-label"> 673<div class="timeline-media"> 674<a href="javascript:;" title="Alan Spergel Opens an Insolvency Practice"> 675<picture decoding="async" class="attachment-full size-full wp-post-image"> 676<source type="image/webp" srcset="https://www.spergel.ca/wp-content/uploads/2025/07/member-alan-spergel.jpg.webp 992w, https://www.spergel.ca/wp-content/uploads/2025/07/member-alan-spergel-300x204.jpg.webp 300w, https://www.spergel.ca/wp-content/uploads/2025/07/member-alan-spergel-768x523.jpg.webp 768w" sizes="(max-width: 992px) 100vw, 992px"/> 677<img onload="Wpfcll.r(this,true);" src="https://www.spergel.ca/wp-content/plugins/wp-fastest-cache-premium/pro/images/blank.gif" decoding="async" width="992" height="675" data-wpfc-original-src="https://www.spergel.ca/wp-content/uploads/2025/07/member-alan-spergel.jpg" alt="Alan Spergel" data-wpfc-original-srcset="https://www.spergel.ca/wp-content/uploads/2025/07/member-alan-spergel.jpg 992w, https://www.spergel.ca/wp-content/uploads/2025/07/member-alan-spergel-300x204.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/07/member-alan-spergel-768x523.jpg 768w" data-wpfc-original-sizes="(max-width: 992px) 100vw, 992px"/> 678</picture> 679<span class="bg-opacity"></span> 680</a> 681</div> 682<div class="timeline-details"> 683<h2> 684<a href="javascript:;" title="Alan Spergel Opens an Insolvency Practice"> 685Alan Spergel Opens an Insolvency Practice </a> 686</h2> 687<div class="hidden-date"></div> 688<div class="wptl-excerpt"> 689<p>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.</p> 690</div> 691</div> 692<div class="exclearfix"></div> 693</div> 694</li><li class="post-3137 wp-timeline type-wp-timeline status-publish has-post-thumbnail hentry ast-article-single" id="3137!" > 695<div class="wpex-timeline-label"> 696<div class="timeline-media"> 697<a href="javascript:;" title="First Satellite Office"> 698<picture loading="lazy" decoding="async" class="attachment-full size-full wp-post-image"> 699<source type="image/webp" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/spergel-First-Satellite-Office.jpg.webp 1353w, https://www.spergel.ca/wp-content/uploads/2025/08/spergel-First-Satellite-Office-300x200.jpg.webp 300w, https://www.spergel.ca/wp-content/uploads/2025/08/spergel-First-Satellite-Office-1024x681.jpg.webp 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/spergel-First-Satellite-Office-768x511.jpg.webp 768w" sizes="(max-width: 1353px) 100vw, 1353px"/> 700<img onload="Wpfcll.r(this,true);" src="https://www.spergel.ca/wp-content/plugins/wp-fastest-cache-premium/pro/images/blank.gif" decoding="async" width="1353" height="900" data-wpfc-original-src="https://www.spergel.ca/wp-content/uploads/2025/08/spergel-First-Satellite-Office.jpg" alt="Spergel First Satellite Office" data-wpfc-original-srcset="https://www.spergel.ca/wp-content/uploads/2025/08/spergel-First-Satellite-Office.jpg 1353w, https://www.spergel.ca/wp-content/uploads/2025/08/spergel-First-Satellite-Office-300x200.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/spergel-First-Satellite-Office-1024x681.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/spergel-First-Satellite-Office-768x511.jpg 768w" data-wpfc-original-sizes="(max-width: 1353px) 100vw, 1353px"/> 701</picture> 702<span class="bg-opacity"></span> 703</a> 704</div> 705<div class="timeline-details"> 706<h2> 707<a href="javascript:;" title="First Satellite Office"> 708First Satellite Office </a> 709</h2> 710<div class="hidden-date"></div> 711<div class="wptl-excerpt"> 712<p>Mandelbaum Spergel Inc. opens its first satellite office at 307A Danforth Avenue, above a restaurant. The office remains one of the companyâs locations to date.</p> 713</div> 714</div> 715<div class="exclearfix"></div> 716</div> 717</li><li class="post-3141 wp-timeline type-wp-timeline status-publish has-post-thumbnail hentry ast-article-single" id="3141!" > 718<div class="wpex-timeline-label"> 719<div class="timeline-media"> 720<a href="javascript:;" title="CAIRP Representative, Alan Spergel Called to Government Senate Committee Hearing"> 721<picture loading="lazy" decoding="async" class="attachment-full size-full wp-post-image"> 722<source type="image/webp" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/CAIRP-representative.jpg.webp 1353w, https://www.spergel.ca/wp-content/uploads/2025/08/CAIRP-representative-300x200.jpg.webp 300w, https://www.spergel.ca/wp-content/uploads/2025/08/CAIRP-representative-1024x681.jpg.webp 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/CAIRP-representative-768x511.jpg.webp 768w" sizes="(max-width: 1353px) 100vw, 1353px"/> 723<img onload="Wpfcll.r(this,true);" src="https://www.spergel.ca/wp-content/plugins/wp-fastest-cache-premium/pro/images/blank.gif" decoding="async" width="1353" height="900" data-wpfc-original-src="https://www.spergel.ca/wp-content/uploads/2025/08/CAIRP-representative.jpg" alt="CAIRP Representative, Alan Spergel Called to Government Senate Committee Hearing" data-wpfc-original-srcset="https://www.spergel.ca/wp-content/uploads/2025/08/CAIRP-representative.jpg 1353w, https://www.spergel.ca/wp-content/uploads/2025/08/CAIRP-representative-300x200.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/CAIRP-representative-1024x681.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/CAIRP-representative-768x511.jpg 768w" data-wpfc-original-sizes="(max-width: 1353px) 100vw, 1353px"/> 724</picture> 725<span class="bg-opacity"></span> 726</a> 727</div> 728<div class="timeline-details"> 729<h2> 730<a href="javascript:;" title="CAIRP Representative, Alan Spergel Called to Government Senate Committee Hearing"> 731CAIRP Representative, Alan Spergel Called to Government Senate Committee Hearing </a> 732</h2> 733<div class="hidden-date"></div> 734<div class="wptl-excerpt"> 735<p>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).</p> 736</div> 737</div> 738<div class="exclearfix"></div> 739</div> 740</li><li class="post-3143 wp-timeline type-wp-timeline status-publish has-post-thumbnail hentry ast-article-single" id="3143!" > 741<div class="wpex-timeline-label"> 742<div class="timeline-media"> 743<a href="javascript:;" title="Alan Spergel Gives Evidence at Bankruptcy Court in Turin, Italy"> 744<picture loading="lazy" decoding="async" class="attachment-full size-full wp-post-image"> 745<source type="image/webp" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/turin-italy.jpg.webp 1353w, https://www.spergel.ca/wp-content/uploads/2025/08/turin-italy-300x200.jpg.webp 300w, https://www.spergel.ca/wp-content/uploads/2025/08/turin-italy-1024x681.jpg.webp 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/turin-italy-768x511.jpg.webp 768w" sizes="(max-width: 1353px) 100vw, 1353px"/> 746<img onload="Wpfcll.r(this,true);" src="https://www.spergel.ca/wp-content/plugins/wp-fastest-cache-premium/pro/images/blank.gif" decoding="async" width="1353" height="900" data-wpfc-original-src="https://www.spergel.ca/wp-content/uploads/2025/08/turin-italy.jpg" alt="Alan Spergel Gives Evidence at Bankruptcy Court in Turin, Italy" data-wpfc-original-srcset="https://www.spergel.ca/wp-content/uploads/2025/08/turin-italy.jpg 1353w, https://www.spergel.ca/wp-content/uploads/2025/08/turin-italy-300x200.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/turin-italy-1024x681.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/turin-italy-768x511.jpg 768w" data-wpfc-original-sizes="(max-width: 1353px) 100vw, 1353px"/> 747</picture> 748<span class="bg-opacity"></span> 749</a> 750</div> 751<div class="timeline-details"> 752<h2> 753<a href="javascript:;" title="Alan Spergel Gives Evidence at Bankruptcy Court in Turin, Italy"> 754Alan Spergel Gives Evidence at Bankruptcy Court in Turin, Italy </a> 755</h2> 756<div class="hidden-date"></div> 757<div class="wptl-excerpt"> 758<p>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.</p> 759</div> 760</div> 761<div class="exclearfix"></div> 762</div> 763</li><li class="post-3145 wp-timeline type-wp-timeline status-publish has-post-thumbnail hentry ast-article-single" id="3145!" > 764<div class="wpex-timeline-label"> 765<div class="timeline-media"> 766<a href="javascript:;" title="Consumer Practice Growth"> 767<picture loading="lazy" decoding="async" class="attachment-full size-full wp-post-image"> 768<source type="image/webp" srcset="https://www.spergel.ca/wp-content/uploads/2025/07/member-jeff-adiken.jpg.webp 992w, https://www.spergel.ca/wp-content/uploads/2025/07/member-jeff-adiken-300x204.jpg.webp 300w, https://www.spergel.ca/wp-content/uploads/2025/07/member-jeff-adiken-768x523.jpg.webp 768w" sizes="(max-width: 992px) 100vw, 992px"/> 769<img onload="Wpfcll.r(this,true);" src="https://www.spergel.ca/wp-content/plugins/wp-fastest-cache-premium/pro/images/blank.gif" decoding="async" width="992" height="675" data-wpfc-original-src="https://www.spergel.ca/wp-content/uploads/2025/07/member-jeff-adiken.jpg" alt="Jeff Adiken" data-wpfc-original-srcset="https://www.spergel.ca/wp-content/uploads/2025/07/member-jeff-adiken.jpg 992w, https://www.spergel.ca/wp-content/uploads/2025/07/member-jeff-adiken-300x204.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/07/member-jeff-adiken-768x523.jpg 768w" data-wpfc-original-sizes="(max-width: 992px) 100vw, 992px"/> 770</picture> 771<span class="bg-opacity"></span> 772</a> 773</div> 774<div class="timeline-details"> 775<h2> 776<a href="javascript:;" title="Consumer Practice Growth"> 777Consumer Practice Growth </a> 778</h2> 779<div class="hidden-date"></div> 780<div class="wptl-excerpt"> 781<p>Trustee Jeff Adiken joins the firm and eventually takes over oversight of the consumer practice from Carl Ritchie.</p> 782</div> 783</div> 784<div class="exclearfix"></div> 785</div> 786</li><li class="post-3146 wp-timeline type-wp-timeline status-publish has-post-thumbnail hentry ast-article-single" id="3146!" > 787<div class="wpex-timeline-label"> 788<div class="timeline-media"> 789<a href="javascript:;" title="Mandelbaum Spergel Inc. Records 184 Consumer Filings in ONE MONTH"> 790<picture loading="lazy" decoding="async" class="attachment-full size-full wp-post-image"> 791<source type="image/webp" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/spergel-celebrating-consumer-filings.jpg.webp 1353w, https://www.spergel.ca/wp-content/uploads/2025/08/spergel-celebrating-consumer-filings-300x200.jpg.webp 300w, https://www.spergel.ca/wp-content/uploads/2025/08/spergel-celebrating-consumer-filings-1024x681.jpg.webp 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/spergel-celebrating-consumer-filings-768x511.jpg.webp 768w" sizes="(max-width: 1353px) 100vw, 1353px"/> 792<img onload="Wpfcll.r(this,true);" src="https://www.spergel.ca/wp-content/plugins/wp-fastest-cache-premium/pro/images/blank.gif" decoding="async" width="1353" height="900" data-wpfc-original-src="https://www.spergel.ca/wp-content/uploads/2025/08/spergel-celebrating-consumer-filings.jpg" alt="Mandelbaum Spergel Inc. Records 184 Consumer Filings in ONE MONTH" data-wpfc-original-srcset="https://www.spergel.ca/wp-content/uploads/2025/08/spergel-celebrating-consumer-filings.jpg 1353w, https://www.spergel.ca/wp-content/uploads/2025/08/spergel-celebrating-consumer-filings-300x200.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/spergel-celebrating-consumer-filings-1024x681.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/spergel-celebrating-consumer-filings-768x511.jpg 768w" data-wpfc-original-sizes="(max-width: 1353px) 100vw, 1353px"/> 793</picture> 794<span class="bg-opacity"></span> 795</a> 796</div> 797<div class="timeline-details"> 798<h2> 799<a href="javascript:;" title="Mandelbaum Spergel Inc. Records 184 Consumer Filings in ONE MONTH"> 800Mandelbaum Spergel Inc. Records 184 Consumer Filings in ONE MONTH </a> 801</h2> 802<div class="hidden-date"></div> 803<div class="wptl-excerpt"> 804<p>The consumer insolvency group files a record 184 insolvency filings in a month.</p> 805</div> 806</div> 807<div class="exclearfix"></div> 808</div> 809</li><li class="post-3148 wp-timeline type-wp-timeline status-publish has-post-thumbnail hentry ast-article-single" id="3148!" > 810<div class="wpex-timeline-label"> 811<div class="timeline-media"> 812<a href="javascript:;" title="Expansion to Hamilton"> 813<picture loading="lazy" decoding="async" class="attachment-full size-full wp-post-image"> 814<source type="image/webp" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/expansion-to-hamilton.jpg.webp 1353w, https://www.spergel.ca/wp-content/uploads/2025/08/expansion-to-hamilton-300x200.jpg
814.webp 300w, https://www.spergel.ca/wp-content/uploads/2025/08/expansion-to-hamilton-1024x681.jpg.webp 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/expansion-to-hamilton-768x511.jpg.webp 768w" sizes="(max-width: 1353px) 100vw, 1353px"/> 815<img onload="Wpfcll.r(this,true);" src="https://www.spergel.ca/wp-content/plugins/wp-fastest-cache-premium/pro/images/blank.gif" decoding="async" width="1353" height="900" data-wpfc-original-src="https://www.spergel.ca/wp-content/uploads/2025/08/expansion-to-hamilton.jpg" alt="Expansion to Hamilton" data-wpfc-original-srcset="https://www.spergel.ca/wp-content/uploads/2025/08/expansion-to-hamilton.jpg 1353w, https://www.spergel.ca/wp-content/uploads/2025/08/expansion-to-hamilton-300x200.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/expansion-to-hamilton-1024x681.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/expansion-to-hamilton-768x511.jpg 768w" data-wpfc-original-sizes="(max-width: 1353px) 100vw, 1353px"/> 816</picture> 817<span class="bg-opacity"></span> 818</a> 819</div> 820<div class="timeline-details"> 821<h2> 822<a href="javascript:;" title="Expansion to Hamilton"> 823Expansion to Hamilton </a> 824</h2> 825<div class="hidden-date"></div> 826<div class="wptl-excerpt"> 827<p>Trustee Trevor Pringle joins the firm and opens offices providing both consumer and corporate insolvency services in Hamilton and surrounding areas.</p> 828</div> 829</div> 830<div class="exclearfix"></div> 831</div> 832</li><li class="post-3150 wp-timeline type-wp-timeline status-publish has-post-thumbnail hentry ast-article-single" id="3150!" > 833<div class="wpex-timeline-label"> 834<div class="timeline-media"> 835<a href="javascript:;" title="Alan Spergel Appointed Chairperson of CAIRP"> 836<picture loading="lazy" decoding="async" class="attachment-full size-full wp-post-image"> 837<source type="image/webp" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/chairperson-of-CAIRP.jpg.webp 1355w, https://www.spergel.ca/wp-content/uploads/2025/08/chairperson-of-CAIRP-300x199.jpg.webp 300w, https://www.spergel.ca/wp-content/uploads/2025/08/chairperson-of-CAIRP-1024x680.jpg.webp 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/chairperson-of-CAIRP-768x510.jpg.webp 768w" sizes="(max-width: 1355px) 100vw, 1355px"/> 838<img onload="Wpfcll.r(this,true);" src="https://www.spergel.ca/wp-content/plugins/wp-fastest-cache-premium/pro/images/blank.gif" decoding="async" width="1355" height="900" data-wpfc-original-src="https://www.spergel.ca/wp-content/uploads/2025/08/chairperson-of-CAIRP.jpg" alt="Alan Spergel Appointed Chairperson of CAIRP" data-wpfc-original-srcset="https://www.spergel.ca/wp-content/uploads/2025/08/chairperson-of-CAIRP.jpg 1355w, https://www.spergel.ca/wp-content/uploads/2025/08/chairperson-of-CAIRP-300x199.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/chairperson-of-CAIRP-1024x680.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/chairperson-of-CAIRP-768x510.jpg 768w" data-wpfc-original-sizes="(max-width: 1355px) 100vw, 1355px"/> 839</picture> 840<span class="bg-opacity"></span> 841</a> 842</div> 843<div class="timeline-details"> 844<h2> 845<a href="javascript:;" title="Alan Spergel Appointed Chairperson of CAIRP"> 846Alan Spergel Appointed Chairperson of CAIRP </a> 847</h2> 848<div class="hidden-date"></div> 849<div class="wptl-excerpt"> 850<p>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.</p> 851</div> 852</div> 853<div class="exclearfix"></div> 854</div> 855</li><li class="post-3152 wp-timeline type-wp-timeline status-publish has-post-thumbnail hentry ast-article-single" id="3152!" > 856<div class="wpex-timeline-label"> 857<div class="timeline-media"> 858<a href="javascript:;" title="Name Change to MSI Spergel Inc."> 859<picture loading="lazy" decoding="async" class="attachment-full size-full wp-post-image"> 860<source type="image/webp" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/name-change.jpg.webp 1356w, https://www.spergel.ca/wp-content/uploads/2025/08/name-change-300x199.jpg.webp 300w, https://www.spergel.ca/wp-content/uploads/2025/08/name-change-1024x680.jpg.webp 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/name-change-768x510.jpg.webp 768w" sizes="(max-width: 1356px) 100v
860w, 1356px"/> 861<img onload="Wpfcll.r(this,true);" src="https://www.spergel.ca/wp-content/plugins/wp-fastest-cache-premium/pro/images/blank.gif" decoding="async" width="1356" height="900" data-wpfc-original-src="https://www.spergel.ca/wp-content/uploads/2025/08/name-change.jpg" alt="Name Change to MSI Spergel Inc." data-wpfc-original-srcset="https://www.spergel.ca/wp-content/uploads/2025/08/name-change.jpg 1356w, https://www.spergel.ca/wp-content/uploads/2025/08/name-change-300x199.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/name-change-1024x680.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/name-change-768x510.jpg 768w" data-wpfc-original-sizes="(max-width: 1356px) 100vw, 1356px"/> 862</picture> 863<span class="bg-opacity"></span> 864</a> 865</div> 866<div class="timeline-details"> 867<h2> 868<a href="javascript:;" title="Name Change to MSI Spergel Inc."> 869Name Change to MSI Spergel Inc. </a> 870</h2> 871<div class="hidden-date"></div> 872<div class="wptl-excerpt"> 873<p>Mandelbaum Spergel Inc. changes its name to MSI Spergel Inc. and develops the red dots as its logo.</p> 874</div> 875</div> 876<div class="exclearfix"></div> 877</div> 878</li><li class="post-3154 wp-timeline type-wp-timeline status-publish has-post-thumbnail hentry ast-article-single" id="3154!" > 879<div class="wpex-timeline-label"> 880<div class="timeline-media"> 881<a href="javascript:;" title="20 Years in Business"> 882<picture loading="lazy" decoding="async" class="attachment-full size-full wp-post-image"> 883<source type="image/webp" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/celebrating-20-years.jpg.webp 1353w, https://www.spergel.ca/wp-content/uploads/2025/08/celebrating-20-years-300x200.jpg.webp 300w, https://www.spergel.ca/wp-content/uploads/2025/08/celebrating-20-years-1024x683.jpg.webp 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/celebrating-20-years-768x513.jpg.webp 768w" sizes="(max-width: 1353px) 100vw, 1353px"/> 884<img onload="Wpfcll.r(this,true);" src="https://www.spergel.ca/wp-content/plugins/wp-fastest-cache-premium/pro/images/blank.gif" decoding="async" width="1353" height="903" data-wpfc-original-src="https://www.spergel.ca/wp-content/uploads/2025/08/celebrating-20-years.jpg" alt="20 Years in Business" data-wpfc-original-srcset="https://www.spergel.ca/wp-content/uploads/2025/08/celebrating-20-years.jpg 1353w, https://www.spergel.ca/wp-content/uploads/2025/08/celebrating-20-years-300x200.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/celebrating-20-years-1024x683.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/celebrating-20-years-768x513.jpg 768w" data-wpfc-original-sizes="(max-width: 1353px) 100vw, 1353px"/> 885</picture> 886<span class="bg-opacity"></span> 887</a> 888</div> 889<div class="timeline-details"> 890<h2> 891<a href="javascript:;" title="20 Years in Business"> 89220 Years in Business </a> 893</h2> 894<div class="hidden-date"></div> 895<div class="wptl-excerpt"> 896<p>Mandelbaum Spergel Inc. celebrates 20 years in business, with over 20 offices covering all of Ontario. Alanâs daughter, Gillian Goldblatt, joins the firm and goes on become a Trustee.</p> 897</div> 898</div> 899<div class="exclearfix"></div> 900</div> 901</li><li class="post-3156 wp-timeline type-wp-timeline status-publish has-post-thumbnail hentry ast-article-single" id="3156!" > 902<div class="wpex-timeline-label"> 903<div class="timeline-media"> 904<a href="javascript:;" title="Independent Canadian Insolvency Network (ICIN)"> 905<picture loading="lazy" decoding="async" class="attachment-full size-full wp-post-image"> 906<source type="image/webp" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/independent-canadian.jpg.webp 1356w, https://www.spergel.ca/wp-content/uploads/2025/08/independent-canadian-300x199.jpg.webp 300w, https://www.spergel.ca/wp-content/uploads/2025/08/independent-canadian-1024x680.jpg.webp 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/independent-canadian-768x510.jpg.webp 768w" sizes="(max-width: 1356px) 100vw, 1356px"/> 907<img onload="Wpfcll.r(this,true);" src="https://www.spergel.ca/wp-content/plugins/wp-fastest-cache-premium/pro/images/blank.gif" decoding="async" width="1356" height="900" data-wpfc-original-src="https://www.spergel.ca/wp-content/uploads/2025/08/independent-canadian.jpg" alt="Independent Canadian Insolvency Network (ICIN)" data-wpfc-original-srcset="https://www.spergel.ca/wp-content/uploads/2025/08/independent-canadian.jpg 1356w, https://www.spergel.ca/wp-content/uploads/2025/08/independent-canadian-300x199.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/independent-canadian-1024x680.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/independent-canadian-768x510.jpg 768w" data-wpfc-original-sizes="(max-width: 1356px) 100v
907w, 1356px"/> 908</picture> 909<span class="bg-opacity"></span> 910</a> 911</div> 912<div class="timeline-details"> 913<h2> 914<a href="javascript:;" title="Independent Canadian Insolvency Network (ICIN)"> 915Independent Canadian Insolvency Network (ICIN) </a> 916</h2> 917<div class="hidden-date"></div> 918<div class="wptl-excerpt"> 919<p>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.</p> 920</div> 921</div> 922<div class="exclearfix"></div> 923</div> 924</li><li class="post-3158 wp-timeline type-wp-timeline status-publish has-post-thumbnail hentry ast-article-single" id="3158!" > 925<div class="wpex-timeline-label"> 926<div class="timeline-media"> 927<a href="javascript:;" title="Northern Ontario Expansion"> 928<picture loading="lazy" decoding="async" class="attachment-full size-full wp-post-image"> 929<source type="image/webp" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/northern-ontario-expansion.jpg.webp 1353w, https://www.spergel.ca/wp-content/uploads/2025/08/northern-ontario-expansion-300x200.jpg.webp 300w, https://www.spergel.ca/wp-content/uploads/2025/08/northern-ontario-expansion-1024x681.jpg.webp 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/northern-ontario-expansion-768x511.jpg.webp 768w" sizes="(max-width: 1353px) 100vw, 1353px"/> 930<img onload="Wpfcll.r(this,true);" src="https://www.spergel.ca/wp-content/plugins/wp-fastest-cache-premium/pro/images/blank.gif" decoding="async" width="1353" height="900" data-wpfc-original-src="https://www.spergel.ca/wp-content/uploads/2025/08/northern-ontario-expansion.jpg" alt="Northern Ontario Expansion" data-wpfc-original-srcset="https://www.spergel.ca/wp-content/uploads/2025/08/northern-ontario-expansion.jpg 1353w, https://www.spergel.ca/wp-content/uploads/2025/08/northern-ontario-expansion-300x200.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/northern-ontario-expansion-1024x681.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/northern-ontario-expansion-768x511.jpg 768w" data-wpfc-original-sizes="(max-width: 1353px) 100vw, 1353px"/> 931</picture> 932<span class="bg-opacity"></span> 933</a> 934</div> 935<div class="timeline-details"> 936<h2> 937<a href="javascript:;" title="Northern Ontario Expansion"> 938Northern Ontario Expansion </a> 939</h2> 940<div class="hidden-date"></div> 941<div class="wptl-excerpt"> 942<p>Trustee Rob Kilner joins the firm and takes over the Northern Ontario region.</p> 943</div> 944</div> 945<div class="exclearfix"></div> 946</div> 947</li><li class="post-3160 wp-timeline type-wp-timeline status-publish has-post-thumbnail hentry ast-article-single" id="3160!" > 948<div class="wpex-timeline-label"> 949<div class="timeline-media"> 950<a href="javascript:;" title="ICIN Joins the Global Restructuring & Insolvency Practitioners (GRIP) Network"> 951<picture loading="lazy" decoding="async" class="attachment-full size-full wp-post-image"> 952<source type="image/webp" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/ICIN-joins-grip-network.jpg.webp 1355w, https://www.spergel.ca/wp-content/uploads/2025/08/ICIN-joins-grip-network-300x198.jpg.webp 300w, https://www.spergel.ca/wp-content/uploads/2025/08/ICIN-joins-grip-network-1024x676.jpg.webp 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/ICIN-joins-grip-network-768x507.jpg.webp 768w" sizes="(max-width: 1355px) 100vw, 1355px"/> 953<img onload="Wpfcll.r(this,true);" src="https://www.spergel.ca/wp-content/plugins/wp-fastest-cache-premium/pro/images/blank.gif" decoding="async" width="1355" height="894" data-wpfc-original-src="https://www.spergel.ca/wp-content/uploads/2025/08/ICIN-joins-grip-network.jpg" alt="ICIN Joins the Global Restructuring & Insolvency Practitioners (GRIP) Network" data-wpfc-original-srcset="https://www.spergel.ca/wp-content/uploads/2025/08/ICIN-joins-grip-network.jpg 1355w, https://www.spergel.ca/wp-content/uploads/2025/08/ICIN-joins-grip-network-300x198.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/ICIN-joins-grip-network-1024x676.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/ICIN-joins-grip-network-768x507.jpg 768w" data-wpfc-original-sizes="(max-width: 1355px) 100v
953w, 1355px"/> 954</picture> 955<span class="bg-opacity"></span> 956</a> 957</div> 958<div class="timeline-details"> 959<h2> 960<a href="javascript:;" title="ICIN Joins the Global Restructuring & Insolvency Practitioners (GRIP) Network"> 961ICIN Joins the Global Restructuring & Insolvency Practitioners (GRIP) Network </a> 962</h2> 963<div class="hidden-date"></div> 964<div class="wptl-excerpt"> 965<p>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.</p> 966</div> 967</div> 968<div class="exclearfix"></div> 969</div> 970</li><li class="post-3162 wp-timeline type-wp-timeline status-publish has-post-thumbnail hentry ast-article-single" id="3162!" > 971<div class="wpex-timeline-label"> 972<div class="timeline-media"> 973<a href="javascript:;" title="Growing Practice Sees New Trustees Added"> 974<picture loading="lazy" decoding="async" class="attachment-full size-full wp-post-image"> 975<source type="image/webp" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/new-trustees-added.jpg.webp 1353w, https://www.spergel.ca/wp-content/uploads/2025/08/new-trustees-added-300x200.jpg.webp 300w, https://www.spergel.ca/wp-content/uploads/2025/08/new-trustees-added-1024x681.jpg.webp 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/new-trustees-added-768x511.jpg.webp 768w" sizes="(max-width: 1353px) 100vw, 1353px"/> 976<img onload="Wpfcll.r(this,true);" src="https://www.spergel.ca/wp-content/plugins/wp-fastest-cache-premium/pro/images/blank.gif" decoding="async" width="1353" height="900" data-wpfc-original-src="https://www.spergel.ca/wp-content/uploads/2025/08/new-trustees-added.jpg" alt="Growing Practice Sees New Trustees Added" data-wpfc-original-srcset="https://www.spergel.ca/wp-content/uploads/2025/08/new-trustees-added.jpg 1353w, https://www.spergel.ca/wp-content/uploads/2025/08/new-trustees-added-300x200.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/new-trustees-added-1024x681.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/new-trustees-added-768x511.jpg 768w" data-wpfc-original-sizes="(max-width: 1353px) 100vw, 1353px"/> 977</picture> 978<span class="bg-opacity"></span> 979</a> 980</div> 981<div class="timeline-details"> 982<h2> 983<a href="javascript:;" title="Growing Practice Sees New Trustees Added"> 984Growing Practice Sees New Trustees Added </a> 985</h2> 986<div class="hidden-date"></div> 987<div class="wptl-excerpt"> 988<p>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 firmâs corporate insolvency group. Chris Galeaâs daughter, Samantha, joins the firm and goes on to become a Trustee.</p> 989</div> 990</div> 991<div class="exclearfix"></div> 992</div> 993</li><li class="post-3164 wp-timeline type-wp-timeline status-publish has-post-thumbnail hentry ast-article-single" id="3164!" > 994<div class="wpex-timeline-label"> 995<div class="timeline-media"> 996<a href="javascript:;" title="30 Years in Business and Expansion to British Columbia"> 997<picture loading="lazy" decoding="async" class="attachment-full size-full wp-post-image"> 998<source type="image/webp" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/celebrating-30-years.jpg.webp 1353w, https://www.spergel.ca/wp-content/uploads/2025/08/celebrating-30-years-300x200.jpg.webp 300w, https://www.spergel.ca/wp-content/uploads/2025/08/celebrating-30-years-1024x681.jpg.webp 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/celebrating-30-years-768x511.jpg.webp 768w" sizes="(max-width: 1353px) 100vw, 1353px"/> 999<img onload="Wpfcll.r(this,true);" src="https://www.spergel.ca/wp-content/plugins/wp-fastest-cache-premium/pro/images/blank.gif" decoding="async" width="1353" height="900" data-wpfc-original-src="https://www.spergel.ca/wp-content/uploads/2025/08/celebrating-30-years.jpg" alt="30 Years in Business and Expansion to British Columbia" data-wpfc-original-srcset="https://www.spergel.ca/wp-content/uploads/2025/08/celebrating-30-years.jpg 1353w, https://www.spergel.ca/wp-content/uploads/2025/08/celebrating-30-years-300x200.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/celebrating-30-years-1024x681.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/celebrating-30-years-768x511.jpg 768w" data-wpfc-original-sizes="(max-width: 1353px) 100vw, 1353px"/> 1000</picture> 1001<span class="bg-opacity"></span> 1002</a> 1003</div> 1004<div class="timeline-details"> 1005<h2> 1006<a href="javascript:;" title="30 Years in Business and Expansion to British Columbia"> 100730 Years in Business and Expansion to British Columbia </a> 1008</h2> 1009<div class="hidden-date"></div> 1010<div class="wptl-excerpt"> 1011<p>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.</p> 1012</div> 1013</div> 1014<div class="exclearfix"></div> 1015</div> 1016</li><li class="post-3166 wp-timeline type-wp-timeline status-publish has-post-thumbnail hentry ast-article-single" id="3166!" > 1017<div class="wpex-timeline-label"> 1018<div class="timeline-media"> 1019<a href="javascript:;" title="Consumer Insolvency Moves to Virtual Meetings"> 1020<picture loading="lazy" decoding="async" class="attachment-full size-full wp-post-image"> 1021<source type="image/webp" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/covid-virtual-meetings.jpg.webp 1353w, https://www.spergel.ca/wp-content/uploads/2025/08/covid-virtual-meetings-300x200.jpg.webp 300w, https://www.spergel.ca/wp-content/uploads/2025/08/covid-virtual-meetings-1024x681.jpg.webp 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/covid-virtual-meetings-768x511.jpg.webp 768w" sizes="(max-width: 1353px) 100vw, 1353px"/> 1022<img onload="Wpfcll.r(this,true);" src="https://www.spergel.ca/wp-content/plugins/wp-fastest-cache-premium/pro/images/blank.gif" decoding="async" width="1353" height="900" data-wpfc-original-src="https://www.spergel.ca/wp-content/uploads/2025/08/covid-virtual-meetings.jpg" alt="Consumer Insolvency Moves to Virtual Meetings" data-wpfc-original-srcset="https://www.spergel.ca/wp-content/uploads/2025/08/covid-virtual-meetings.jpg 1353w, https://www.spergel.ca/wp-content/uploads/2025/08/covid-virtual-meetings-300x200.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/covid-virtual-meetings-1024x681.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/covid-virtual-meetings-768x511.jpg 768w" data-wpfc-original-sizes="(max-width: 1353px) 100vw, 1353px"/> 1023</picture> 1024<span class="bg-opacity"></span> 1025</a> 1026</div> 1027<div class="timeline-details"> 1028<h2> 1029<a href="javascript:;" title="Consumer Insolvency Moves to Virtual Meetings"> 1030Consumer Insolvency Moves to Virtual Meetings </a> 1031</h2> 1032<div class="hidden-date"></div> 1033<div class="wptl-excerpt"> 1034<p>In response to the COVID pandemic, the Office of the Superintendent of Bankruptcy allows Trustees to provide services virtually, greatly expanding a Trusteeâs ability to see clients. The firm hires Trustee Graeme Hamilton to take over the Downtown Toronto practice.</p> 1035</div> 1036</div> 1037<div class="exclearfix"></div> 1038</div> 1039</li><li class="post-3168 wp-timeline type-wp-timeline status-publish has-post-thumbnail hentry ast-article-single" id="3168!" > 1040<div class="wpex-timeline-label"> 1041<div class="timeline-media"> 1042<a href="javascript:;" title="Spergel Receives Accredited Business Status from the Better Business Bureau"> 1043<picture loading="lazy" decoding="async" class="attachment-full size-full wp-post-image"> 1044<source type="image/webp" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/spergel-with-better-business-bureau.jpg.webp 1356w, https://www.spergel.ca/wp-content/uploads/2025/08/spergel-with-better-business-bureau-300x199.jpg.webp 300w, https://www.spergel.ca/wp-content/uploads/2025/08/spergel-with-better-business-bureau-1024x680.jpg.webp 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/spergel-with-better-business-bureau-768x510.jpg.webp 768w" sizes="(max-width: 1356px) 100v
1044w, 1356px"/> 1045<img onload="Wpfcll.r(this,true);" src="https://www.spergel.ca/wp-content/plugins/wp-fastest-cache-premium/pro/images/blank.gif" decoding="async" width="1356" height="900" data-wpfc-original-src="https://www.spergel.ca/wp-content/uploads/2025/08/spergel-with-better-business-bureau.jpg" alt="Spergel Receives Accredited Business Status from the Better Business Bureau" data-wpfc-original-srcset="https://www.spergel.ca/wp-content/uploads/2025/08/spergel-with-better-business-bureau.jpg 1356w, https://www.spergel.ca/wp-content/uploads/2025/08/spergel-with-better-business-bureau-300x199.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/spergel-with-better-business-bureau-1024x680.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/spergel-with-better-business-bureau-768x510.jpg 768w" data-wpfc-original-sizes="(max-width: 1356px) 100vw, 1356px"/> 1046</picture> 1047<span class="bg-opacity"></span> 1048</a> 1049</div> 1050<div class="timeline-details"> 1051<h2> 1052<a href="javascript:;" title="Spergel Receives Accredited Business Status from the Better Business Bureau"> 1053Spergel Receives Accredited Business Status from the Better Business Bureau </a> 1054</h2> 1055<div class="hidden-date"></div> 1056<div class="wptl-excerpt"> 1057<p>Better Business Bureau Canada recognizes Spergel for their commitment to ethical and trustworthy service, awarding the firm the BBB Accredited Business Seal.</p> 1058</div> 1059</div> 1060<div class="exclearfix"></div> 1061</div> 1062</li><li class="post-3170 wp-timeline type-wp-timeline status-publish has-post-thumbnail hentry ast-article-single" id="3170!" > 1063<div class="wpex-timeline-label"> 1064<div class="timeline-media"> 1065<a href="javascript:;" title="Gillian Goldblatt Appointed President of OAIRP"> 1066<picture loading="lazy" decoding="async" class="attachment-full size-full wp-post-image"> 1067<source type="image/webp" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/OAIRP-large-logo.jpg.webp 1356w, https://www.spergel.ca/wp-content/uploads/2025/08/OAIRP-large-logo-300x199.jpg.webp 300w, https://www.spergel.ca/wp-content/uploads/2025/08/OAIRP-large-logo-1024x680.jpg.webp 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/OAIRP-large-logo-768x510.jpg.webp 768w" sizes="(max-width: 1356px) 100vw, 1356px"/> 1068<img onload="Wpfcll.r(this,true);" src="https://www.spergel.ca/wp-content/plugins/wp-fastest-cache-premium/pro/images/blank.gif" decoding="async" width="1356" height="900" data-wpfc-original-src="https://www.spergel.ca/wp-content/uploads/2025/08/OAIRP-large-logo.jpg" alt="Gillian Goldblatt Appointed President of OAIRP" data-wpfc-original-srcset="https://www.spergel.ca/wp-content/uploads/2025/08/OAIRP-large-logo.jpg 1356w, https://www.spergel.ca/wp-content/uploads/2025/08/OAIRP-large-logo-300x199.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/OAIRP-large-logo-1024x680.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/OAIRP-large-logo-768x510.jpg 768w" data-wpfc-original-sizes="(max-width: 1356px) 100vw, 1356px"/> 1069</picture> 1070<span class="bg-opacity"></span> 1071</a> 1072</div> 1073<div class="timeline-details"> 1074<h2> 1075<a href="javascript:;" title="Gillian Goldblatt Appointed President of OAIRP"> 1076Gillian Goldblatt Appointed President of OAIRP </a> 1077</h2> 1078<div class="hidden-date"></div> 1079<div class="wptl-excerpt"> 1080<p>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).</p> 1081</div> 1082</div> 1083<div class="exclearfix"></div> 1084</div> 1085</li><li class="post-3172 wp-timeline type-wp-timeline status-publish has-post-thumbnail hentry ast-article-single" id="3172!" > 1086<div class="wpex-timeline-label"> 1087<div class="timeline-media"> 1088<a href="javascript:;" title="A New Head Office for a National Firm"> 1089<picture loading="lazy" decoding="async" class="attachment-full size-full wp-post-image"> 1090<source type="image/webp" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/new-head-office-national-firm-2022.jpg.webp 902w, https://www.spergel.ca/wp-content/uploads/2025/08/new-head-office-national-firm-2022-300x200.jpg.webp 300w, https://www.spergel.ca/wp-content/uploads/2025/08/new-head-office-national-firm-2022-768x511.jpg.webp 768w" sizes="(max-width: 902px) 100vw, 902px"/> 1091<img onload="Wpfcll.r(this,true);" src="https://www.spergel.ca/wp-content/plugins/wp-fastest-cache-premium/pro/images/blank.gif" decoding="async" width="902" height="600" data-wpfc-original-src="https://www.spergel.ca/wp-content/uploads/2025/08/new-head-office-national-firm-2022.jpg" alt="Spergel - New Head Office for a National Firm" data-wpfc-original-srcset="https://www.spergel.ca/wp-content/uploads/2025/08/new-head-office-national-firm-2022.jpg 902w, https://www.spergel.ca/wp-content/uploads/2025/08/new-head-office-national-firm-2022-300x200.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/new-head-office-national-firm-2022-768x511.jpg 768w" data-wpfc-original-sizes="(max-width: 902px) 100vw, 902px"/> 1092</picture> 1093<span class="bg-opacity"></span> 1094</a> 1095</div> 1096<div class="timeline-details"> 1097<h2> 1098<a href="javascript:;" title="A New Head Office for a National Firm"> 1099A New Head Office for a National Firm </a> 1100</h2> 1101<div class="hidden-date"></div> 1102<div class="wptl-excerpt"> 1103<p>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.</p> 1104</div> 1105</div> 1106<div class="exclearfix"></div> 1107</div> 1108</li><li class="post-3174 wp-timeline type-wp-timeline status-publish has-post-thumbnail hentry ast-article-single" id="3174!" > 1109<div class="wpex-timeline-label"> 1110<div class="timeline-media"> 1111<a href="javascript:;" title="Firm Achieves 2,750+ 5-star Reviews"> 1112<picture loading="lazy" decoding="async" class="attachment-full size-full wp-post-image"> 1113<source type="image/webp" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/2000-google-reviews.jpg.webp 1356w, https://www.spergel.ca/wp-content/uploads/2025/08/2000-google-reviews-300x199.jpg.webp 300w, https://www.spergel.ca/wp-content/uploads/2025/08/2000-google-reviews-1024x680.jpg.webp 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/2000-google-reviews-768x510.jpg.webp 768w" sizes="(max-width: 1356px) 100v
1113w, 1356px"/> 1114<img onload="Wpfcll.r(this,true);" src="https://www.spergel.ca/wp-content/plugins/wp-fastest-cache-premium/pro/images/blank.gif" decoding="async" width="1356" height="900" data-wpfc-original-src="https://www.spergel.ca/wp-content/uploads/2025/08/2000-google-reviews.jpg" alt="Spergel Achieves 2,750+ 5-star Reviews" data-wpfc-original-srcset="https://www.spergel.ca/wp-content/uploads/2025/08/2000-google-reviews.jpg 1356w, https://www.spergel.ca/wp-content/uploads/2025/08/2000-google-reviews-300x199.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/2000-google-reviews-1024x680.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/2000-google-reviews-768x510.jpg 768w" data-wpfc-original-sizes="(max-width: 1356px) 100vw, 1356px"/> 1115</picture> 1116<span class="bg-opacity"></span> 1117</a> 1118</div> 1119<div class="timeline-details"> 1120<h2> 1121<a href="javascript:;" title="Firm Achieves 2,750+ 5-star Reviews"> 1122Firm Achieves 2,750+ 5-star Reviews </a> 1123</h2> 1124<div class="hidden-date"></div> 1125<div class="wptl-excerpt"> 1126<p>The firm achieves and surpasses 2,750 publicly-facing 5-star Google and TrustPilot reviews, a testament to the firmâs commitment to providing exceptional debt-relief services for all Canadians.</p> 1127</div> 1128</div> 1129<div class="exclearfix"></div> 1130</div> 1131</li><li class="post-3134 wp-timeline type-wp-timeline status-publish has-post-thumbnail hentry ast-article-single" id="3134!" > 1132<div class="wpex-timeline-label"> 1133<div class="timeline-media"> 1134<a href="javascript:;" title="Firm Celebrates 35 Years in Business"> 1135<picture loading="lazy" decoding="async" class="attachment-full size-full wp-post-image"> 1136<source type="image/webp" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/spergel-35-years-anniversary.jpg.webp 902w, https://www.spergel.ca/wp-content/uploads/2025/08/spergel-35-years-anniversary-300x200.jpg.webp 300w, https://www.spergel.ca/wp-content/uploads/2025/08/spergel-35-years-anniversary-768x513.jpg.webp 768w" sizes="(max-width: 902px) 100vw, 902px"/> 1137<img onload="Wpfcll.r(this,true);" src="https://www.spergel.ca/wp-content/plugins/wp-fastest-cache-premium/pro/images/blank.gif" decoding="async" width="902" height="602" data-wpfc-original-src="https://www.spergel.ca/wp-content/uploads/2025/08/spergel-35-years-anniversary.jpg" alt="Spergel - 35 Years in Business" data-wpfc-original-srcset="https://www.spergel.ca/wp-content/uploads/2025/08/spergel-35-years-anniversary.jpg 902w, https://www.spergel.ca/wp-content/uploads/2025/08/spergel-35-years-anniversary-300x200.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/spergel-35-years-anniversary-768x513.jpg 768w" data-wpfc-original-sizes="(max-width: 902px) 100vw, 902px"/> 1138</picture> 1139<span class="bg-opacity"></span> 1140</a> 1141</div> 1142<div class="timeline-details"> 1143<h2> 1144<a href="javascript:;" title="Firm Celebrates 35 Years in Business"> 1145Firm Celebrates 35 Years in Business </a> 1146</h2> 1147<div class="hidden-date"></div> 1148<div class="wptl-excerpt"> 1149<p>Celebrating 35 years of excellence, dedication, and teamwork in providing Canadians with worldclass debt relief solutions. Â Hereâs to 35 more years of growth and success!</p> 1150</div> 1151</div> 1152<div class="exclearfix"></div> 1153</div> 1154</li> </ul> 1155</div> 1156</div> 1157</div> 1158</div> 1159<div class="elementor-element elementor-element-88771aa e-con-full e-flex e-con e-child" data-id="88771aa" data-element_type="container" data-e-type="container" data-settings="{"background_background":"classic"}"> 1160<div class="elementor-element elementor-element-e844fab elementor-widget elementor-widget-image" data-id="e844fab" data-element_type="widget" data-e-type="widget" data-widget_type="image.default"> 1161<picture loading="lazy" decoding="async" class="attachment-full size-full wp-image-2041"> 1162<source type="image/webp" srcset="https://www.spergel.ca/wp-content/uploads/2025/07/spergel-history-mockup.png.webp 579w, https://www.spergel.ca/wp-content/uploads/2025/07/spergel-history-mockup-267x300.png.webp 267w" sizes="(max-width: 579px) 100vw, 579px"/> 1163<img onload="Wpfcll.r(this,true);" src="https://www.spergel.ca/wp-content/plugins/wp-fastest-cache-premium/pro/images/blank.gif" decoding="async" width="579" height="651" data-wpfc-original-src="https://www.spergel.ca/wp-content/uploads/2025/07/spergel-history-mockup.png" alt="Media & Press" data-wpfc-original-srcset="https://www.spergel.ca/wp-content/uploads/2025/07/spergel-history-mockup.png 579w, https://www.spergel.ca/wp-content/uploads/2025/07/spergel-history-mockup-267x300.png 267w" data-wpfc-original-sizes="(max-width: 579px) 100vw, 579px"/> 1164</picture> 1165</div> 1166<div class="elementor-element elementor-element-8b60104 elementor-widget elementor-widget-text-editor" data-id="8b60104" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default"> 1167<p>Spergel History – pdf download</p> </div> 1168<div class="elementor-element elementor-element-b415b1e elementor-widget elementor-widget-text-editor" data-id="b415b1e" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default"> 1169<p>Timeline of Spergelâs key events as a company, since its foundation.</p> </div> 1170<div class="elementor-element elementor-element-2a497bf elementor-widget elementor-widget-custom-button" data-id="2a497bf" data-element_type="widget" data-e-type="widget" data-widget_type="custom-button.default"> 1171<div class="elementor-widget-container treefrog-btn"> 1172<a class="btn outline" href="/wp-content/uploads/2025/09/Timeline-PDF-Design-press.pdf" target="_blank" rel="nofollow" > 1173<span class="d-center"> 1174<svg xmlns="http://www.w3.org/2000/svg" width="25" height="25" viewB
1174ox="0 0 25 25" fill="none"><path d="M8.59766 21.5645H20.9977C21.3291 21.5645 21.5977 21.2959 21.5977 20.9645V4.16445C21.5977 3.83308 21.3291 3.56445 20.9977 3.56445H4.19766C3.86629 3.56445 3.59766 3.83308 3.59766 4.16445V16.5645" stroke="#3A2572" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round"></path><path d="M12.5977 12.5645H8.59766M4.09766 21.0645L12.5977 12.5645L4.09766 21.0645ZM12.5977 12.5645V16.5645V12.5645Z" stroke="#3A2572" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round"></path></svg> <span style="padding-left:10px" >Download the PDF</span> 1175</span> 1176</a> 1177</div> 1178</div> 1179</div> 1180</div> 1181</div> 1182</div> 1183<div class="elementor-element elementor-element-bcdf1fd pb-5 pb-lg-6 e-flex e-con-boxed e-con e-parent" data-id="bcdf1fd" data-element_type="container" data-e-type="container" data-settings="{"background_background":"classic"}"> 1184<div class="e-con-inner"> 1185<div class="elementor-element elementor-element-af7b129 elementor-widget elementor-widget-text-editor" data-id="af7b129" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default"> 1186<p>Weâve been featured in:</p> </div> 1187<a class="elementor-element elementor-element-a44d792 e-flex e-con-boxed e-con e-child" data-id="a44d792" data-element_type="container" data-e-type="container" data-settings="{"background_background":"classic"}" href="/spergel-in-the-news/"> 1188<div class="e-con-inner"> 1189<div class="elementor-element elementor-element-20cb570 elementor-widget elementor-widget-image" data-id="20cb570" data-element_type="widget" data-e-type="widget" data-widget_type="image.default"> 1190<picture loading="lazy" decoding="async" class="attachment-large size-large wp-image-464"> 1191<source type="image/webp" srcset="https://www.spergel.ca/wp-content/uploads/2025/07/ctv-news-logo.png.webp"/> 1192<img onload="Wpfcll.r(this,true);" src="https://www.spergel.ca/wp-content/plugins/wp-fastest-cache-premium/pro/images/blank.gif" decoding="async" width="104" height="64" data-wpfc-original-src="https://www.spergel.ca/wp-content/uploads/2025/07/ctv-news-logo.png" alt="CTV News Channel logo"/> 1193</picture> 1194</div> 1195<div class="elementor-element elementor-element-2970644 elementor-widget elementor-widget-image" data-id="2970644" data-element_type="widget" data-e-type="widget" data-widget_type="image.default"> 1196<picture loading="lazy" decoding="async" class="attachment-large size-large wp-image-469"> 1197<source type="image/webp" srcset="https://www.spergel.ca/wp-content/uploads/2025/07/chch-logo.png.webp"/> 1198<img onload="Wpfcll.r(this,true);" src="https://www.spergel.ca/wp-content/plugins/wp-fastest-cache-premium/pro/images/blank.gif" decoding="async" width="77" height="64" data-wpfc-original-src="https://www.spergel.ca/wp-content/uploads/2025/07/chch-logo.png" alt="CHCH logo"/> 1199</picture> 1200</div> 1201<div class="elementor-element elementor-element-b570c34 elementor-widget elementor-widget-image" data-id="b570c34" data-element_type="widget" data-e-type="widget" data-widget_type="image.default"> 1202<picture loading="lazy" decoding="async" class="attachment-large size-large wp-image-467"> 1203<source type="image/webp" srcset="https://www.spergel.ca/wp-content/uploads/2025/07/toronto-start-logo.png.webp"/> 1204<img onload="Wpfcll.r(this,true);" src="https://www.spergel.ca/wp-content/plugins/wp-fastest-cache-premium/pro/images/blank.gif" decoding="async" width="250" height="64" data-wpfc-original-src="https://www.spergel.ca/wp-content/uploads/2025/07/toronto-start-logo.png" alt="Toronto Star"/> 1205</picture> 1206</div> 1207<div class="elementor-element elementor-element-c396dd3 elementor-widget elementor-widget-image" data-id="c396dd3" data-element_type="widget" data-e-type="widget" data-widget_type="image.default"> 1208<picture loading="lazy" decoding="async" class="attachment-large size-large wp-image-465"> 1209<source type="image/webp" srcset="https://www.spergel.ca/wp-content/uploads/2025/07/bnn-bloomberg-logo.png.webp"/> 1210<img onload="Wpfcll.r(this,true);" src="https://www.spergel.ca/wp-content/plugins/wp-fastest-cache-premium/pro/images/blank.gif" decoding="async" width="139" height="64" data-wpfc-original-src="https://www.spergel.ca/wp-content/uploads/2025/07/bnn-bloomberg-logo.png" alt="BNN Bloomberg logo"/> 1211</picture> 1212</div> 1213<div class="elementor-element elementor-element-74aace9 elementor-widget elementor-widget-image" data-id="74aace9" data-element_type="widget" data-e-type="widget" data-widget_type="image.default"> 1214<picture loading="lazy" decoding="async" class="attachment-large size-large wp-image-466"> 1215<source type="image/webp" srcset="https://www.spergel.ca/wp-content/uploads/2025/07/wealth-professional-logo.png.webp"/> 1216<img onload="Wpfcll.r(this,true);" src="https://www.spergel.ca/wp-content/plugins/wp-fastest-cache-premium/pro/images/blank.gif" decoding="async" width="65" height="64" data-wpfc-original-src="https://www.spergel.ca/wp-content/uploads/2025/07/wealth-professional-logo.png" alt="Wealth Professional logo"/> 1217</picture> 1218</div> 1219<div class="elementor-element elementor-element-3e83814 elementor-widget elementor-widget-image" data-id="3e83814" data-element_type="widget" data-e-type="widget" data-widget_type="image.default"> 1220<picture loading="lazy" decoding="async" class="attachment-large size-large wp-image-470"> 1221<source type="image/webp" srcset="https://www.spergel.ca/wp-content/uploads/2025/07/moolala-logo.png.webp"/> 1222<img onload="Wpfcll.r(this,true);" src="https://www.spergel.ca/wp-content/plugins/wp-fastest-cache-premium/pro/images/blank.gif" decoding="async" width="64" height="64" data-wpfc-original-src="https://www.spergel.ca/wp-content/uploads/2025/07/moolala-logo.png" alt="Moolala logo"/> 1223</picture> 1224</div> 1225<div class="elementor-element elementor-element-13d6cfc elementor-widget elementor-widget-image" data-id="13d6cfc" data-element_type="widget" data-e-type="widget" data-widget_type="image.default"> 1226<picture loading="lazy" decoding="async" class="attachment-large size-large wp-image-468"> 1227<source type="image/webp" srcset="https://www.spergel.ca/wp-content/uploads/2025/07/the-globe-and-mail.png.webp"/> 1228<img onload="Wpfcll.r(this,true);" src="https://www.spergel.ca/wp-content/plugins/wp-fastest-cache-premium/pro/images/blank.gif" decoding="async" width="65" height="64" data-wpfc-original-src="https://www.spergel.ca/wp-content/uploads/2025/07/the-globe-and-mail.png" alt="The Globe and Mail logo"/> 1229</picture> 1230</div> 1231</div> 1232</a> 1233</div> 1234</div> 1235<div class="elementor-element elementor-element-03f1962 pb-5 pb-lg-6 e-flex e-con-boxed e-con e-parent" data-id="03f1962" data-element_type="container" data-e-type="container" data-settings="{"background_background":"classic"}"> 1236<div class="e-con-inner"> 1237<div class="elementor-element elementor-element-7015246 elementor-widget elementor-widget-heading" data-id="7015246" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default"> 1238<h3 class="elementor-heading-title elementor-size-default">Discover our most recent media mentions</h3>
1238 </div> 1239<div class="elementor-element elementor-element-260a55a elementor-widget elementor-widget-custom-button" data-id="260a55a" data-element_type="widget" data-e-type="widget" data-widget_type="custom-button.default"> 1240<div class="elementor-widget-container treefrog-btn"> 1241<a class="btn outline" href="/spergel-in-the-news/" > 1242<span class="d-center"> 1243<svg xmlns="http://www.w3.org/2000/svg" width="25" height="25" viewBox="0 0 25 25" fill="none"><path d="M8.59766 21.5645H20.9977C21.3291 21.5645 21.5977 21.2959 21.5977 20.9645V4.16445C21.5977 3.83308 21.3291 3.56445 20.9977 3.56445H4.19766C3.86629 3.56445 3.59766 3.83308 3.59766 4.16445V16.5645" stroke="#3A2572" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round"></path><path d="M12.5977 12.5645H8.59766M4.09766 21.0645L12.5977 12.5645L4.09766 21.0645ZM12.5977 12.5645V16.5645V12.5645Z" stroke="#3A2572" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round"></path></svg> <span style="padding-left:10px" >Spergel in the news</span> 1244</span> 1245</a> 1246</div> 1247</div> 1248</div> 1249</div> 1250<div class="elementor-element elementor-element-e08895f py-5 py-lg-6 e-flex e-con-boxed e-con e-parent" data-id="e08895f" data-element_type="container" data-e-type="container" data-settings="{"background_background":"classic"}"> 1251<div class="e-con-inner"> 1252<div class="elementor-element elementor-element-4a151eb elementor-widget elementor-widget-text-editor" data-id="4a151eb" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default"> 1253<p>Spergel, the âget rid of debtâ people has been at the forefront of helping Canadians break free from the cycle of debt.</p> </div> 1254<div class="elementor-element elementor-element-c52374f pt-lg-5 elementor-widget elementor-widget-text-editor" data-id="c52374f" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default"> 1255<p>We give tailored, compassionate solutions that guide both individuals and businesses through the hardest parts of debt help. Unlike other firms, you get your very own dedicated Licensed Insolvency Trustee to walk you step by step through your chosen form of debt help, instead of passing you from person to person.</p> </div> 1256<div class="elementor-element elementor-element-df04d81 pt-5 elementor-widget elementor-widget-text-editor" data-id="df04d81" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default"> 1257<p>Ready to talk? Weâre ready to help.</p> </div> 1258<div class="elementor-element elementor-element-19c3923 elementor-widget elementor-widget-custom-button" data-id="19c3923" data-element_type="widget" data-e-type="widget" data-widget_type="custom-button.default"> 1259<div class="elementor-widget-container treefrog-btn"> 1260<a class="btn primary" href="/contact/" > 1261<span class="d-center"> 1262<span style="padding-right:10px" >Reach out to us</span> 1263<span class="fas fa-arrow-right"></span> </span> 1264</a> 1265</div> 1266</div> 1267</div> 1268</div> 1269<div class="elementor-element elementor-element-e78650a pb-5 pb-lg-6 e-flex e-con-boxed e-con e-parent" data-id="e78650a" data-element_type="container" data-e-type="container" data-settings="{"background_background":"classic"}"> 1270<div class="e-con-inner"> 1271<div class="elementor-element elementor-element-229d69c elementor-widget elementor-widget-text-editor" data-id="229d69c" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default"> 1272<p>Spergel BY THE NUMBERS:</p> </div> 1273<div class="elementor-element elementor-element-2424018 e-flex e-con-boxed e-con e-child" data-id="2424018" data-element_type="container" data-e-type="container" data-settings="{"background_background":"classic"}"> 1274<div class="e-con-inner"> 1275<div class="elementor-element elementor-element-62e0f91 text-center elementor-widget elementor-widget-counter" data-id="62e0f91" data-element_type="widget" data-e-type="widget" data-widget_type="counter.default"> 1276<div class="elementor-counter"> 1277<div class="elementor-counter-title">People weâve helped just like you</div> <div class="elementor-counter-number-wrapper"> 1278<span class="elementor-counter-number-prefix"></span> 1279<span class="elementor-counter-number" data-duration="2000" data-to-value="100" data-from-value="0" data-delimiter=",">0</span> 1280<span class="elementor-counter-number-suffix">K+</span> 1281</div> 1282</div> 1283</div> 1284<div class="elementor-element elementor-element-01895df text-center elementor-widget elementor-widget-counter" data-id="01895df" data-element_type="widget" data-e-type="widget" data-widget_type="counter.default"> 1285<div class="elementor-counter"> 1286<div class="elementor-counter-title">Locations across Canada</div> <div class="elementor-counter-number-wrapper"> 1287<span class="elementor-counter-number-prefix"></span> 1288<span class="elementor-counter-number" data-duration="2000" data-to-value="40" data-from-value="0" data-delimiter=",">0</span> 1289<span class="elementor-counter-number-suffix">+</span> 1290</div> 1291</div> 1292</div> 1293<div class="elementor-element elementor-element-1112afb text-center elementor-widget elementor-widget-counter" data-id="1112afb" data-element_type="widget" data-e-type="widget" data-widget_type="counter.default"> 1294<div class="elementor-counter"> 1295<div class="elementor-counter-title">Years of real-life success stories</div> <div class="elementor-counter-number-wrapper"> 1296<span class="elementor-counter-number-prefix"></span> 1297<span class="elementor-counter-number" data-duration="2000" data-to-value="35" data-from-value="0" data-delimiter=",">0</span> 1298<span class="elementor-counter-number-suffix">+</span> 1299</div> 1300</div> 1301</div> 1302</div> 1303</div> 1304</div> 1305</div> 1306<div class="elementor-element elementor-element-ad855de py-5 py-lg-6 e-flex e-con-boxed e-con e-parent" data-id="ad855de" data-element_type="container" data-e-type="container"> 1307<div class="e-con-inner"> 1308<div class="elementor-element elementor-element-9eeb93a elementor-hidden-mobile elementor-hidden-desktop elementor-hidden-tablet elementor-widget elementor-widget-image" data-id="9eeb93a" data-element_type="widget" data-e-type="widget" data-widget_type="image.default"> 1309<picture loading="lazy" decoding="async" class="attachment-full size-full wp-image-12756"> 1310<source type="image/webp" srcset="https://www.spergel.ca/wp-content/uploads/2025/09/debt-lets-change-your-story-en.jpg.webp 992w, https://www.spergel.ca/wp-content/uploads/2025/09/debt-lets-change-your-story-en-300x129.jpg.webp 300w, https://www.spergel.ca/wp-content/uploads/2025/09/debt-lets-change-your-story-en-768x331.jpg.webp 768w" sizes="(max-width: 992px) 100vw, 992px"/> 1311<img onload="Wpfcll.r(this,true);" src="https://www.spergel.ca/wp-content/plugins/wp-fastest-cache-premium/pro/images/blank.gif" decoding="async" width="992" height="428" data-wpfc-original-src="https://www.spergel.ca/wp-content/uploads/2025/09/debt-lets-change-your-story-en.jpg" alt="Let&apos;s Change Your Story" data-wpfc-original-srcset="https://www.spergel.ca/wp-content/uploads/2025/09/debt-lets-change-your-story-en.jpg 992w, https://www.spergel.ca/wp-content/uploads/2025/09/debt-lets-change-your-story-en-300x129.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/09/debt-lets-change-your-story-en-768x331.jpg 768w" data-wpfc-original-sizes="(max-width: 992px) 100vw, 992px"/> 1312</picture> 1313</div> 1314<div class="elementor-element elementor-element-d632974 elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-image" data-id="d632974" data-element_type="widget" data-e-type="widget" data-widget_type="image.default"> 1315<picture loading="lazy" decoding="async" class="attachment-full size-full wp-image-12758"> 1316<source type="image/webp" srcset="https://www.spergel.ca/wp-content/uploads/2025/09/debt-lets-change-your-story-mobile-en.jpg.webp 992w, https://www.spergel.ca/wp-content/uploads/2025/09/debt-lets-change-your-story-mobile-en-280x300.jpg.webp 280w, https://www.spergel.ca/wp-content/uploads/2025/09/debt-lets-change-your-story-mobile-en-957x1024.jpg.webp 957w, https://www.spergel.ca/wp-content/uploads/2025/09/debt-lets-change-your-story-mobile-en-768x822.jpg.webp 768w" sizes="(max-width: 992px) 100vw, 992px"/> 1317<img onload="Wpfcll.r(this,true);" src="https://www.spergel.ca/wp-content/plugins/wp-fastest-cache-premium/pro/images/blank.gif" decoding="async" width="992" height="1062" data-wpfc-original-src="https://www.spergel.ca/wp-content/uploads/2025/09/debt-lets-change-your-story-mobile-en.jpg" alt="Let&apos;s Change Your Story" data-wpfc-original-srcset="https://www.spergel.ca/wp-content/uploads/2025/09/debt-lets-change-your-story-mobile-en.jpg 992w, https://www.spergel.ca/wp-content/uploads/2025/09/debt-lets-change-your-story-mobile-en-280x300.jpg 280w, https://www.spergel.ca/wp-content/uploads/2025/09/debt-lets-change-your-story-mobile-en-957x1024.jpg 957w, https://www.spergel.ca/wp-content/uploads/2025/09/debt-lets-change-your-story-mobile-en-768x822.jpg 768w" data-wpfc-original-sizes="(max-width: 992px) 100vw, 992px"/> 1318</picture> 1319</div> 1320<div class="elementor-element elementor-element-53f9039 e-con-full pt-4 e-flex e-con e-child" data-id="53f9039" data-element_type="container" data-e-type="container"> 1321<div class="elementor-element elementor-element-2d3da97 elementor-widget elementor-widget-heading" data-id="2d3da97" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default"> 1322<h2 class="elementor-heading-title elementor-size-default">Weâre <span style="text-transform: lowercase !important">Experts â With Real-Life Understanding & Compassion</h2> </div> 1323<div class="elementor-element elementor-element-2437552 elementor-widget elementor-widget-text-editor" data-id="2437552" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default"> 1324<p>Discover the ways weâve helped Canadians just like you defeat debt and secure a better financial future with clarity, confidence, and compassion.</p> </div> 1325<div class="elementor-element elementor-element-345a23a e-con-full pt-4 e-flex e-con e-child" data-id="345a23a" data-element_type="container" data-e-type="container"> 1326<div class="elementor-element elementor-element-9ab1630 e-con-full e-flex e-con e-child" data-id="9ab1630" data-element_type="container" data-e-type="container"> 1327<div class="elementor-element elementor-element-594cb6a elementor-widget elementor-widget-custom-icon-box" data-id="594cb6a" data-element_type="widget" data-e-type="widget" data-widget_type="custom-icon-box.default"> 1328<div class="elementor-widget-container treefrog-icon-box text-center"> 1329<a class=" " href="/consumer-proposal/" > 1330<div class="treefrog-icon-box-img"><svg xmlns="http://www.w3.org/2000/svg" width="81" height="81" viewBox="0 0 81 81" fill="none"><path d="M37.8185 40.2625C35.499 40.2625 33.6055 38.369 33.6055 36.0494C33.6055 33.7299 35.499 31.8364 37.8185 31.8364C40.138 31.8364 42.0315 33.7299 42.0315 36.0494" stroke="#3A2572" stroke-width="3.125" stroke-linecap="round" stroke-linejoin="round"></path><path d="M37.8185 40.2632C40.138 40.2632 42.0315 42.1567 42.0315 44.4762C42.0315 46.7957 40.138 48.6892 37.8185 48.6892C35.499 48.6892 33.6055 46.7957 33.6055 44.4762" stroke="#3A2572" stroke-width="3.125" stroke-linecap="round" stroke-linejoin="round"></path><path d="M37.8184 31.8603V27.813" stroke="#3A2572" stroke-width="3.125" stroke-linecap="round" stroke-linejoin="round"></path><path d="M37.8184 52.5006V48.6899" stroke="#3A2572" stroke-width="3.125" stroke-linecap="round" stroke-linejoin="round"></path><path d="M55.5227 60.8077C50.7653 64.9024 44.5641 67.3639 37.7949 67.3639C22.789 67.3639 10.5996 55.1746 10.5996 40.1686C10.5996 25.1627 22.789 12.9497 37.8185 12.9497C52.8481 12.9497 65.0375 25.1391 65.0375 40.1686V53.1154H70.5996L62.6233 64.855L54.6469 53.1154H59.7357V40.1686C59.7357 28.074 49.9369 18.2752 37.8422 18.2752C25.7475 18.2752 15.9251 28.074 15.9251 40.1686C15.9251 52.2633 25.7239 62.0621 37.8185 62.0621C43.4517 62.0621 48.5878 59.932 52.4458 56.4527" stroke="#3A2572" stroke-width="3.125" stroke-linecap="round" stroke-linejoin="round"></path></svg></div> <p class="text-uppercase">Consumer Proposal</p> 1331<span class="hover-underline">Learn More</span> 1332</a> 1333</div> 1334</div> 1335</div> 1336<div class="elementor-element elementor-element-28b6b05 e-con-full e-flex e-con e-child" data-id="28b6b05" data-element_type="container" data-e-type="container"> 1337<div class="elementor-element elementor-element-a9ee684 elementor-widget elementor-widget-custom-icon-box" data-id="a9ee684" data-element_type="widget" data-e-type="widget" data-widget_type="custom-icon-box.default"> 1338<div class="elementor-widget-container treefrog-icon-box text-center"> 1339<a class=" " href="/bankruptcy/" > 1340<div class="treefrog-icon-box-img"><svg xmlns="http://www.w3.org/2000/svg" width="81" height="81" viewBox="0 0 81 81" fill="none"><g clip-path="url(#clip0_2804_222040)"><path d="M80.7476 35.1555C80.6342 34.6808 80.3443 34.2792 79.9299 34.0238C79.5155 33.7685 79.0258 33.6904 78.5547 33.8044C76.5233 34.294 73.6704 35.3451 71.6057 37.5775C71.4861 37.70
134051 71.3702 37.839 71.2579 37.9766C70.5413 38.1414 69.7988 38.3893 69.0391 38.7178C69.0267 38.5988 69.0132 38.4823 68.9996 38.367C68.5223 34.4502 67.004 30.8767 64.6099 28.0308C62.8215 25.9038 60.6828 24.0855 58.2617 22.6303C58.2493 22.6229 58.237 22.6154 58.2234 22.608C58.1975 22.5944 58.1729 22.5807 58.147 22.5671C58.126 22.5559 58.1063 22.546 58.0841 22.5361C58.0495 22.52 58.015 22.5051 57.9805 22.4915C57.9595 22.4828 57.9385 22.4754 57.9126 22.4667C57.8806 22.4555 57.8497 22.4456 57.8226 22.4382C57.7942 22.4295 57.7659 22.4221 57.7437 22.4171C57.7141 22.4097 57.6844 22.4035 57.6524 22.3973C57.624 22.3923 57.5956 22.3874 57.5636 22.3824C57.5364 22.3787 57.5105 22.3762 57.4883 22.375C57.4563 22.3713 57.423 22.3688 57.3872 22.3675C57.3613 22.3663 57.3354 22.3663 57.3157 22.3675C57.2799 22.3663 57.2478 22.3675 57.2182 22.3675C57.1899 22.37 57.1627 22.3725 57.1331 22.3762H57.1356C57.1035 22.3787 57.0715 22.3824 57.0443 22.3861C57.0135 22.3911 56.9827 22.3973 56.9555 22.4035C56.9259 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134074L43.5449 34.677L40.0161 48.7032C39.8249 49.4643 40.137 50.2613 40.7932 50.6877C41.0879 50.8786 41.4296 50.9802 41.7811 50.9802C42.1894 50.9802 42.5914 50.8401 42.9121 50.5836L58.3061 38.3026C58.8697 37.8539 59.1177 37.1102 58.9351 36.4099L56.7705 28.0569L57.7745 26.6723C59.2928 27.7445 60.6545 28.9927 61.8311 30.3921C64.2498 33.2677 65.5177 37.1127 65.5177 41.0394C65.5177 43.3771 65.0688 45.7445 64.145 47.9521ZM76.5775 43.9993C76.4961 44.51 76.1619 45.7198 74.836 45.9391C74.0269 46.073 73.0648 45.6057 72.495 44.8038C71.6156 43.5655 71.9425 41.819 72.7787 40.4234C73.6359 40.3341 74.4956 40.4184 75.2455 40.8138C76.3617 41.4013 76.7601 42.8615 76.5775 43.9993Z" fill="#3A2572"></path><path d="M24.691 40.8344C25.9022 40.8344 26.884 39.8477 26.884 38.6306C26.884 37.4134 25.9022 36.4268 24.691 36.4268C23.4799 36.4268 22.498 37.4134 22.498 38.6306C22.498 39.8477 23.4799 40.8344 24.691 40.8344Z" fill="#3A2572"></path></g><defs><clipPath id="clip0_2804_222040"><rect width="77.14" height="50.3981" fill="white" transform="translate(3.6582 18.4653)"></rect></clipPath></defs></svg></div> <p class="text-uppercase">Bankruptcy Services</p> 1341<span class="hover-underline">Learn More</span> 1342</a> 1343</div> 1344</div> 1345</div> 1346<div class="elementor-element elementor-element-c1ebb3f e-con-full e-flex e-con e-child" data-id="c1ebb3f" data-element_type="container" data-e-type="container"> 1347<div class="elementor-element elementor-element-ec9e790 elementor-widget elementor-widget-custom-icon-box" data-id="ec9e790" data-element_type="widget" data-e-type="widget" data-widget_type="custom-icon-box.default"> 1348<div class="elementor-widget-container treefrog-icon-box text-center"> 1349<a class=" " href="/types-of-debt/cra-tax/" > 1350<div class="treefrog-icon-box-img"><svg xmlns="http://www.w3.org/2000/svg" width="80" height="81" viewBox="0 0 80 81" fill="none"><path d="M30 50.1567L50 30.1567" stroke="#3A2572" stroke-width="3.75" stroke-linecap="round" stroke-linejoin="round"></path><path d="M31.6667 33.4901C32.5871 33.4901 33.3333 32.7439 33.3333 31.8234C33.3333 30.9029 32.5871 30.1567 31.6667 30.1567C30.7462 30.1567 30 30.9029 30 31.8234C30 32.7439 30.7462 33.4901 31.6667 33.4901Z" fill="#3A2572" stroke="#3A2572" stroke-width="3.75" stroke-linecap="round" stroke-linejoin="round"></path><path d="M48.3327 50.1566C49.2532 50.1566 49.9993 49.4104 49.9993 48.4899C49.9993 47.5694 49.2532 46.8232 48.3327 46.8232C47.4122 46.8232 46.666 47.5694 46.666 48.4899C46.666 49.4104 47.4122 50.1566 48.3327 50.1566Z" fill="#3A2572" stroke="#3A2572" stroke-width="3.75" stroke-linecap="round" stroke-linejoin="round"></path><path d="M40 70.1567C56.5685 70.1567 70 56.7253 70 40.1567C70 23.5882 56.5685 10.1567 40 10.1567C23.4315 10.1567 10 23.5882 10 40.1567C10 56.7253 23.4315 70.1567 40 70.1567Z" stroke="#3A2572" stroke-width="3.75" stroke-linecap="round" stroke-linejoin="round"></path></svg></div> <p class="text-uppercase">CRA Tax Debt Help</p> 1351<span class="hover-underline">Learn More</span> 1352</a> 1353</div> 1354</div> 1355</div> 1356<div class="elementor-element elementor-element-771edbe e-con-full e-flex e-con e-child" data-id="771edbe" data-element_type="container" data-e-type="container"> 1357<div class="elementor-element elementor-element-2a04506 elementor-widget elementor-widget-custom-icon-box" data-id="2a04506" data-element_type="widget" data-e-type="widget" data-widget_type="custom-icon-box.default"> 1358<div class="elementor-widget-container treefrog-icon-box text-center"> 1359<a class=" " href="/business-and-self-employed/" > 1360<div class="treefrog-icon-box-img"><svg xmlns="http://www.w3.org/2000/svg" width="81" height="81" viewBox="0 0 81 81" fill="none"><path d="M66.3335 12.4634H54.0508L55.5893 27.8486C55.5893 27.8486 58.6664 30.9257 63.2819 30.9257C66.5959 30.9257 68.8523 29.3393 69.8616 28.4447C70.2638 28.0881 70.4109 27.5437 70.3226 27.0136L68.1545 14.0061C68.0061 13.1159 67.236 12.4634 66.3335 12.4634Z" stroke="#3A2572" stroke-width="3.46169"></path><path d="M54.0499 12.4634L55.5884 27.8486C55.5884 27.8486 52.5113 30.9257 47.8958 30.9257C43.2802 30.9257 40.2031 27.8486 40.2031 27.8486V12.4634H54.0499Z" stroke="#3A2572" stroke-width="3.46169"></path><path d="M40.1998 12.4634V27.8486C40.1998 27.8486 37.1227 30.9257 32.5071 30.9257C27.8915 30.9257 24.8145 27.8486 24.8145 27.8486L26.353 12.4634H40.1998Z" stroke="#3A2572" stroke-width="3.46169"></path><path d="M26.3551 12.4634H14.0724C13.1699 12.4634 12.3996 13.1159 12.2513 14.0061L10.0833 27.0136C9.99498 27.5437 10.1422 28.0881 10.5443 28.4447C11.5534 29.3393 13.8098 30.9257 17.1239 30.9257C21.7395 30.9257 24.8166 27.8486 24.8166 27.8486L26.3551 12.4634Z" stroke="#3A2572" stroke-width="3.46169"></path><path d="M12.5273 30.9253V61.6958C12.5273 65.0947 15.2826 67.8499 18.6815 67.8499H61.7602C65.1591 67.8499 67.9143 65.0947 67.9143 61.6958V30.9253" stroke="#3A2572" stroke-width="3.46169"></path><path d="M48.9389 67.8493V49.387C48.9389 45.9881 46.1837 43.2329 42.7847 43.2329H36.6306C33.2318 43.2329 30.4766 45.9881 30.4766 49.387V67.8493" stroke="#3A2572" stroke-width="3.46169" stroke-miterlimit="16"></path></svg></div> <p class="text-uppercase">Corporate Insolvency</p> 1361<span class="hover-underline">Learn More</span> 1362</a> 1363</div> 1364</div> 1365</div> 1366<div class="elementor-element elementor-element-dbc4b65 e-con-full e-flex e-con e-child" data-id="dbc4b65" data-element_type="container" data-e-type="container"> 1367<div class="elementor-element elementor-element-e7a425c elementor-widget elementor-widget-custom-icon-box" data-id="e7a425c" data-element_type="widget" data-e-type="widget" data-widget_type="custom-icon-box.default"> 1368<div class="elementor-widget-container treefrog-icon-box text-center"> 1369<a class=" " href="/debt-consolidation/" > 1370<div class="treefrog-icon-box-img"><svg xmlns="http://www.w3.org/2000/svg" width="81" height="81" viewBox="0 0 81 81" fill="none">
1370<path d="M27.9804 10.5794V25.4068C27.9804 25.6535 28.1778 25.8262 28.3998 25.8262H34.617C34.9624 25.8262 35.1844 26.2456 34.9624 26.517L23.0462 42.1092C22.8735 42.3312 22.5281 42.3312 22.3554 42.1092L10.4885 26.5417C10.2665 26.2703 10.4885 25.8509 10.8339 25.8509H16.5576C16.8044 25.8509 16.9771 25.6535 16.9771 25.4314V10.5054" stroke="#3A2572" stroke-width="3.125" stroke-linecap="round" stroke-linejoin="round"></path><path d="M64.9619 10.6038V19.2387C64.9619 19.4114 65.1099 19.5594 65.2826 19.5594H70.0688C70.3402 19.5594 70.4882 19.8802 70.3402 20.1022L61.1625 32.0924C61.0391 32.2651 60.7678 32.2651 60.6444 32.0924L51.4667 20.1022C51.294 19.8802 51.4667 19.5594 51.7381 19.5594H56.1542C56.3269 19.5594 56.475 19.4114 56.475 19.2387V10.5298" stroke="#3A2572" stroke-width="3.125" stroke-linecap="round" stroke-linejoin="round"></path><path d="M32.5961 35.9412C41.4777 32.9313 53.0979 33.6468 60.7706 38.0629C65.6062 40.8755 67.9006 44.5761 67.6045 48.2275C67.5058 49.5351 67.0618 50.8426 66.297 52.0762C65.1621 53.8772 63.3858 55.5548 60.894 57.0104C51.8643 62.2161 37.1849 62.1667 28.1059 56.9364C25.5648 55.4315 23.7145 53.7045 22.5796 51.8788C21.8148 50.6453 21.3707 49.3377 21.272 48.0548C21.2227 47.512 21.2473 46.9939 21.2967 46.4512" stroke="#3A2572" stroke-width="3.125" stroke-linecap="round" stroke-linejoin="round"></path><path d="M67.603 48.2035V55.8762C67.8991 59.5275 65.654 63.1789 60.8924 65.9421C51.8628 71.123 37.1834 71.0983 28.1044 65.868C23.2689 63.0555 20.9744 59.3548 21.2705 55.7035V48.0308C21.3692 49.3137 21.8133 50.6212 22.5781 51.8548C23.713 53.6805 25.5633 55.4074 28.1044 56.9124C37.1834 62.1427 51.8628 62.192 60.8924 56.9864C63.3842 55.5555 65.1606 53.8778 66.2954 52.0522C67.0603 50.8186 67.5043 49.511 67.603 48.2035Z" stroke="#3A2572" stroke-width="3.125" stroke-linecap="round" stroke-linejoin="round"></path><path d="M44.3373 47.5374C42.3142 46.3532 42.2896 44.4782 44.3126 43.294C46.3357 42.1344 49.6169 42.1344 51.64 43.294C53.663 44.4782 53.6877 46.3532 51.6646 47.5374" stroke="#3A2572" stroke-width="3.125" stroke-linecap="round" stroke-linejoin="round"></path><path d="M44.3372 47.5366C46.3603 48.7208 46.3849 50.5958 44.3619 51.7801C42.3389 52.9643 39.0576 52.9396 37.0346 51.7801C35.0115 50.6205 34.9868 48.7208 37.0099 47.5366" stroke="#3A2572" stroke-width="3.125" stroke-linecap="round" stroke-linejoin="round"></path><path d="M51.6396 43.3177L55.1676 41.27" stroke="#3A2572" stroke-width="3.125" stroke-linecap="round" stroke-linejoin="round"></path><path d="M33.1123 54.0261L37.035 51.7563" stroke="#3A2572" stroke-width="3.125" stroke-linecap="round" stroke-linejoin="round"></path></svg></div> <p class="text-uppercase">Debt Consolidation</p> 1371<span class="hover-underline">Learn More</span> 1372</a> 1373</div> 1374</div> 1375</div> 1376<div class="elementor-element elementor-element-b099062 e-con-full e-flex e-con e-child" data-id="b099062" data-element_type="container" data-e-type="container"> 1377<div class="elementor-element elementor-element-1e5dbca elementor-widget elementor-widget-custom-icon-box" data-id="1e5dbca" data-element_type="widget" data-e-type="widget" data-widget_type="custom-icon-box.default"> 1378<div class="elementor-widget-container treefrog-icon-box text-center"> 1379<a class=" " href="/credit-counselling/" > 1380<div class="treefrog-icon-box-img"><svg xmlns="http://www.w3.org/2000/svg" width="81" height="81" viewBox="0 0 81 81" fill="none"><path d="M40.6992 22.0394C42.5718 20.0716 45.3116 18.8306 48.3639 18.8306C54.0081 18.8306 58.5835 23.0741 58.5835 28.3089C58.5835 33.5436 54.0081 37.7872 48.3639 37.7872C45.3116 37.7872 42.5718 36.5461 40.6992 34.5783M48.3639 61.4829H17.7051V59.1133C17.7051 51.2613 24.5683 44.8959 33.0345 44.8959C41.5007 44.8959 48.3639 51.2613 48.3639 59.1133V61.4829ZM48.3639 61.4829H63.6934V59.1133C63.6934 51.2613 56.8301 44.8959 48.3639 44.8959C45.5718 44.8959 42.954 45.5882 40.6992 46.7979M43.2541 28.3089C43.2541 33.5436 38.6786 37.7872 33.0345 37.7872C27.3904 37.7872 22.8149 33.5436 22.8149 28.3089C22.8149 23.0741 27.3904 18.8306 33.0345 18.8306C38.6786 18.8306 43.2541 23.0741 43.2541 28.3089Z" stroke="#3A2572" stroke-width="3.6" stroke-linecap="round" stroke-linejoin="round"></path></svg></div> <p class="text-uppercase">Credit Counselling</p> 1381<span class="hover-underline">Learn More</span> 1382</a> 1383</div> 1384</div> 1385</div> 1386<div class="elementor-element elementor-element-61ee47d e-con-full e-flex e-con e-child" data-id="61ee47d" data-element_type="container" data-e-type="container">
1387<div class="elementor-element elementor-element-dcc59a7 elementor-widget elementor-widget-custom-icon-box" data-id="dcc59a7" data-element_type="widget" data-e-type="widget" data-widget_type="custom-icon-box.default"> 1388<div class="elementor-widget-container treefrog-icon-box text-center"> 1389<a class=" " href="/laws-and-debt-collection/wage-garnishment/" > 1390<div class="treefrog-icon-box-img"><svg xmlns="http://www.w3.org/2000/svg" width="81" height="81" viewBox="0 0 81 81" fill="none"><g clip-path="url(#clip0_2364_342025)"><path d="M50.7969 40.1567H51.7865H52.776" stroke="#3A2572" stroke-width="3.75" stroke-linecap="round" stroke-linejoin="round"></path><path d="M60.6914 40.1567H61.681H62.6706" stroke="#3A2572" stroke-width="3.75" stroke-linecap="round" stroke-linejoin="round"></path><path d="M29.492 29.7394L54.7539 52.6561M29.492 29.7394C30.4322 28.6337 31.0039 27.1735 31.0039 25.5728C31.0039 22.121 28.3456 19.3228 25.0664 19.3228C21.7872 19.3228 19.1289 22.121 19.1289 25.5728C19.1289 29.0245 21.7872 31.8228 25.0664 31.8228C26.8249 31.8228 28.4048 31.0181 29.492 29.7394Z" stroke="#3A2572" stroke-width="3.75" stroke-linecap="round" stroke-linejoin="round"></path><path d="M29.492 50.5734L54.7539 27.6567M29.492 50.5734C30.4322 51.6792 31.0039 53.1392 31.0039 54.7401C31.0039 58.1919 28.3456 60.9901 25.0664 60.9901C21.7872 60.9901 19.1289 58.1919 19.1289 54.7401C19.1289 51.2882 21.7872 48.4901 25.0664 48.4901C26.8249 48.4901 28.4048 49.2949 29.492 50.5734Z" stroke="#3A2572" stroke-width="3.75" stroke-linecap="round" stroke-linejoin="round"></path></g><defs><clipPath id="clip0_2364_342025"><rect width="47.5" height="50" fill="white" transform="translate(17.1504 15.1567)"></rect></clipPath></defs></svg></div> <p class="text-uppercase">Wage Garnishment</p> 1391<span class="hover-underline">Learn More</span> 1392</a> 1393</div> 1394</div> 1395</div> 1396<div class="elementor-element elementor-element-12b1d48 e-con-full e-flex e-con e-child" data-id="12b1d48" data-element_type="container" data-e-type="container"> 1397<div class="elementor-element elementor-element-4337c7c elementor-widget elementor-widget-custom-icon-box" data-id="4337c7c" data-element_type="widget" data-e-type="widget" data-widget_type="custom-icon-box.default"> 1398<div class="elementor-widget-container treefrog-icon-box text-center"> 1399<a class=" " href="/laws-and-debt-collection/collection-calls/" > 1400<div class="treefrog-icon-box-img"><svg xmlns="http://www.w3.org/2000/svg" width="81" height="81" viewBox="0 0 81 81" fill="none"><path d="M62.4463 18.0498L47.5488 32.788M47.5488 32.788V20.5062M47.5488 32.788H59.9634M22.7197 18.0498C19.9772 18.0498 17.7539 20.2493 17.7539 22.9625V25.4189C17.7539 45.7681 34.4285 62.2644 54.9976 62.2644H57.4805C60.223 62.2644 62.4463 60.0649 62.4463 57.3517V49.2967C62.4463 48.2394 61.7624 47.3007 60.7485 46.9664L49.5917 43.2872C48.4195 42.9006 47.1384 43.4256 46.5858 44.519L43.7835 50.0636C37.7135 47.3561 32.8233 42.5182 30.0865 36.5131L35.6911 33.7408C36.7963 33.1941 37.327 31.9266 36.9362 30.7669L33.2173 19.7294C32.8793 18.7264 31.9305 18.0498 30.8618 18.0498H22.7197Z" stroke="#3A2572" stroke-width="3.75" stroke-linecap="round" stroke-linejoin="round"></path></svg></div> <p class="text-uppercase">Collection Calls</p> 1401<span class="hover-underline">Learn More</span> 1402</a> 1403</div> 1404</div> 1405</div> 1406<div class="elementor-element elementor-element-d4b75d6 e-con-full e-flex e-con e-child" data-id="d4b75d6" data-element_type="container" data-e-type="container"> 1407<div class="elementor-element elementor-element-2448468 elementor-widget elementor-widget-custom-icon-box" data-id="2448468" data-element_type="widget" data-e-type="widget" data-widget_type="custom-icon-box.default"> 1408<div class="elementor-widget-container treefrog-icon-box text-center"> 1409<a class=" " href="/laws-and-debt-collection/ontario/" > 1410<div class="treefrog-icon-box-img"><svg xmlns="http://www.w3.org/2000/svg" width="81" height="81" viewBox="0 0 81 81" fill="none"><g clip-path="url(#clip0_2364_342044)"><path d="M23.6338 66.8232H56.9671" stroke="#3A2572" stroke-width="3.75" stroke-linecap="round" stroke-linejoin="round"></path>
1410<path d="M20.2998 20.1566L40.2998 16.8232L60.2998 20.1566" stroke="#3A2572" stroke-width="3.75" stroke-linecap="round" stroke-linejoin="round"></path><path d="M40.2998 10.1567V66.8234" stroke="#3A2572" stroke-width="3.75" stroke-linecap="round" stroke-linejoin="round"></path><path d="M30.2998 40.1567L20.2998 20.1567L10.2998 40.1567C10.2998 42.8089 11.3534 45.3524 13.2287 47.2278C15.1041 49.1032 17.6476 50.1567 20.2998 50.1567C22.952 50.1567 25.4955 49.1032 27.3709 47.2278C29.2462 45.3524 30.2998 42.8089 30.2998 40.1567Z" stroke="#3A2572" stroke-width="3.75" stroke-linecap="round" stroke-linejoin="round"></path><path d="M70.2998 40.1567L60.2998 20.1567L50.2998 40.1567C50.2998 42.8089 51.3534 45.3524 53.2287 47.2278C55.1041 49.1032 57.6476 50.1567 60.2998 50.1567C62.952 50.1567 65.4955 49.1032 67.3709 47.2278C69.2462 45.3524 70.2998 42.8089 70.2998 40.1567Z" stroke="#3A2572" stroke-width="3.75" stroke-linecap="round" stroke-linejoin="round"></path></g><defs><clipPath id="clip0_2364_342044"><rect width="80" height="80" fill="white" transform="translate(0.299805 0.156738)"></rect></clipPath></defs></svg></div> <p class="text-uppercase">Debt Collection Laws</p> 1411<span class="hover-underline">Learn More</span> 1412</a> 1413</div> 1414</div> 1415</div> 1416</div> 1417</div> 1418</div> 1419</div> 1420<div class="elementor-element elementor-element-96f2e31 pt-3 py-5 pb-lg-6 elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile e-flex e-con-boxed e-con e-parent" data-id="96f2e31" data-element_type="container" data-e-type="container" data-settings="{"background_background":"classic"}"> 1421<div class="e-con-inner"> 1422<div class="elementor-element elementor-element-a04c3d9 elementor-widget elementor-widget-image" data-id="a04c3d9" data-element_type="widget" data-e-type="widget" data-widget_type="image.default"> 1423<picture loading="lazy" decoding="async" class="attachment-full size-full wp-image-14234"> 1424<source type="image/webp" srcset="https://www.spergel.ca/wp-content/uploads/2025/10/calculator-small.png.webp 268w, https://www.spergel.ca/wp-content/uploads/2025/10/calculator-small-236x300.png.webp 236w" sizes="(max-width: 268px) 100vw, 268px"/> 1425<img onload="Wpfcll.r(this,true);" src="https://www.spergel.ca/wp-content/plugins/wp-fastest-cache-premium/pro/images/blank.gif" decoding="async" width="268" height="341" data-wpfc-original-src="https://www.spergel.ca/wp-content/uploads/2025/10/calculator-small.png" alt="calculator-small" data-wpfc-original-srcset="https://www.spergel.ca/wp-content/uploads/2025/10/calculator-small.png 268w, https://www.spergel.ca/wp-content/uploads/2025/10/calculator-small-236x300.png 236w" data-wpfc-original-sizes="(max-width: 268px) 100vw, 268px"/> 1426</picture> 1427</div> 1428<div class="elementor-element elementor-element-7fe5c6e e-con-full e-flex e-con e-child" data-id="7fe5c6e" data-element_type="container" data-e-type="container"> 1429<div class="elementor-element elementor-element-156cc49 elementor-widget elementor-widget-heading" data-id="156cc49" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default"> 1430<h2 class="elementor-heading-title elementor-size-default">Find Out How Much You Can Save With a Consumer Proposal!</h2> </div> 1431<div class="elementor-element elementor-element-2fd55a7 elementor-widget elementor-widget-text-editor" data-id="2fd55a7" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default"> 1432<p>Try our easy-to-use calculator and learn how much a consumer proposal could cut down your debt.</p> </div> 1433</div> 1434<div class="elementor-element elementor-element-d1036f5 elementor-widget elementor-widget-custom-button" data-id="d1036f5" data-element_type="widget" data-e-type="widget" data-widget_type="custom-button.default"> 1435<div class="elementor-widget-container treefrog-btn"> 1436<a class="btn outline" href="/debt-calculator/" > 1437<span class="d-center"> 1438<svg xmlns="http://www.w3.org/2000/svg" width="17" height="21" viewBox="0 0 17 21" fill="none"><path d="M5.5 5.61523H11.5M11.5 15.6152V12.6152M8.5 15.6152H8.51M5.5 15.6152H5.51M5.5 12.6152H5.51M8.5 12.6152H8.51M11.5 9.61523H11.51M8.5 9.61523H8.51M5.5 9.61523H5.51M3.5 19.6152H13.5C14.6046 19.6152 15.5 18.7198 15.5 17.6152V3.61523C15.5 2.51066 14.6046 1.61523 13.5 1.61523H3.5C2.39543 1.61523 1.5 2.51066 1.5 3.61523V17.6152C1.5 18.7198 2.39543 19.6152 3.5 19.6152Z" stroke="#3A2572" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg> <span style="padding-left:10px" >Debt Calculator</span> 1439</span> 1440</a> 1441</div> 1442</div> 1443</div> 1444</div> 1445<div class="elementor-element elementor-element-8861b48 py-5 py-lg-6 e-flex e-con-boxed e-con e-parent" data-id="8861b48" data-element_type="container" data-e-type="container"> 1446<div class="e-con-inner"> 1447<div class="elementor-element elementor-element-c9fe79e e-con-full e-flex e-con e-child" data-id="c9fe79e" data-element_type="container" data-e-type="container"> 1448<div class="elementor-element elementor-element-8c34542 elementor-widget elementor-widget-heading" data-id="8c34542" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default"> 1449<h2 class="elementor-heading-title elementor-size-default">How <span style="text-transform: lowercase !important">Weâve Helped Others</h2> </div> 1450<div class="elementor-element elementor-element-dbdc3f8 elementor-widget elementor-widget-text-editor" data-id="dbdc3f8" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default"> 1451<p>Every debt story is different â and so is every solution. Hereâs what real clients had to say about working with Spergel.</p> </div> 1452</div> 1453<div class="elementor-element elementor-element-237da61 elementor-widget elementor-widget-html" data-id="237da61" data-element_type="widget" data-e-type="widget" data-widget_type="html.default"> 1454<!-- Elfsight All-in-One Reviews | Full Width Carousel --> 1455<div class="elfsight-app-16d5453b-7a9e-4a24-b545-14d3f63e21fe" data-elfsight-app-lazy></div>
1455 </div> 1456</div> 1457</div> 1458<div class="elementor-element elementor-element-7b0faa9 py-5 py-lg-6 e-flex e-con-boxed e-con e-parent" data-id="7b0faa9" data-element_type="container" data-e-type="container" data-settings="{"background_background":"gradient"}"> 1459<div class="e-con-inner"> 1460<div class="elementor-element elementor-element-f4700cd e-con-full e-flex e-con e-child" data-id="f4700cd" data-element_type="container" data-e-type="container"> 1461<div class="elementor-element elementor-element-8b04267 e-con-full e-flex e-con e-child" data-id="8b04267" data-element_type="container" data-e-type="container"> 1462<div class="elementor-element elementor-element-3e7ee82 elementor-widget elementor-widget-image" data-id="3e7ee82" data-element_type="widget" data-e-type="widget" data-widget_type="image.default"> 1463<picture loading="lazy" decoding="async" class="attachment-full size-full wp-image-3179"> 1464<source type="image/webp" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/compassion-always-cta.jpg.webp 992w, https://www.spergel.ca/wp-content/uploads/2025/08/compassion-always-cta-300x275.jpg.webp 300w, https://www.spergel.ca/wp-content/uploads/2025/08/compassion-always-cta-768x705.jpg.webp 768w" sizes="(max-width: 992px) 100vw, 992px"/> 1465<img onload="Wpfcll.r(this,true);" src="https://www.spergel.ca/wp-content/plugins/wp-fastest-cache-premium/pro/images/blank.gif" decoding="async" width="992" height="910" data-wpfc-original-src="https://www.spergel.ca/wp-content/uploads/2025/08/compassion-always-cta.jpg" alt="Compassion Always" data-wpfc-original-srcset="https://www.spergel.ca/wp-content/uploads/2025/08/compassion-always-cta.jpg 992w, https://www.spergel.ca/wp-content/uploads/2025/08/compassion-always-cta-300x275.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/compassion-always-cta-768x705.jpg 768w" data-wpfc-original-sizes="(max-width: 992px) 100vw, 992px"/> 1466</picture> 1467</div> 1468</div> 1469<div class="elementor-element elementor-element-f85131c e-con-full e-flex e-con e-child" data-id="f85131c" data-element_type="container" data-e-type="container"> 1470<div class="elementor-element elementor-element-936bd84 uncase elementor-widget elementor-widget-heading" data-id="936bd84" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default"> 1471<h2 class="elementor-heading-title elementor-size-default">Corporate Social Responsibility (CSR) at Spergel</h2> </div> 1472<div class="elementor-element elementor-element-8ebf989 elementor-widget elementor-widget-text-editor" data-id="8ebf989" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default"> 1473<p>At Spergel, we believe that financial recovery is a human journey â one that deserves compassion, dignity, and an honest, helping hand.</p> </div> 1474<div class="elementor-element elementor-element-2382347 elementor-widget elementor-widget-text-editor" data-id="2382347" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default"> 1475<p>As a proudly Canadian-owned insolvency firm, our commitment to Corporate Social Responsibility is grounded in our core values: empathy, integrity, accountability, and service.</p><p>We recognize that our role in helping individuals and families overcome debt extends beyond just financial solutions. That’s why we strive to make a positive impact in the communities we serve by:</p> </div> 1476</div> 1477</div> 1478</div> 1479</div> 1480<div class="elementor-element elementor-element-fa160be pb-5 py-lg-6 e-flex e-con-boxed e-con e-parent" data-id="fa160be" data-element_type="container" data-e-type="container" data-settings="{"background_background":"classic"}"> 1481<div class="e-con-inner"> 1482<div class="elementor-element elementor-element-e63c715 e-con-full e-flex e-con e-child" data-id="e63c715" data-element_type="container" data-e-type="container"> 1483<div class="elementor-element elementor-element-a4f50b0 e-con-full e-flex e-con e-child" data-id="a4f50b0" data-element_type="container" data-e-type="container"> 1484<div class="elementor-element elementor-element-ac20ac2 elementor-view-default elementor-widget elementor-widget-icon" data-id="ac20ac2" data-element_type="widget" data-e-type="widget" data-widget_type="icon.default"> 1485<div class="elementor-icon-wrapper"> 1486<div class="elementor-icon"> 1487<svg xmlns="http://www.w3.org/2000/svg" width="81" height="81" viewBox="0 0 81 81" fill="none"><g clip-path="url(#clip0_2744_273121)">
1487<path d="M40.5 18.1323C38.7694 18.1323 37.0777 17.6192 35.6388 16.6577C34.1998 15.6962 33.0783 14.3297 32.4161 12.7308C31.7538 11.132 31.5805 9.37262 31.9181 7.67529C32.2558 5.97795 33.0891 4.41885 34.3128 3.19514C35.5365 1.97143 37.0956 1.13808 38.793 0.800457C40.4903 0.462836 42.2496 0.636116 43.8485 1.29838C45.4473 1.96065 46.8139 3.08216 47.7754 4.52109C48.7368 5.96002 49.25 7.65174 49.25 9.38233C49.2475 11.7022 48.3249 13.9264 46.6844 15.5668C45.044 17.2072 42.8199 18.1298 40.5 18.1323Z" fill="white"></path><path d="M67.9984 18.2571L67.9281 18.2759L67.8625 18.2962C67.7062 18.3399 67.55 18.3868 67.3937 18.4352C64.4859 19.2884 50.3734 23.2665 40.4313 23.2665C31.1922 23.2665 18.3563 19.829 14.25 18.6618C13.8413 18.5038 13.424 18.3692 13 18.2587C10.0313 17.4774 8 20.493 8 23.2493C8 25.979 10.4531 27.279 12.9297 28.2118V28.2555L27.8078 32.9024C29.3281 33.4852 29.7344 34.0805 29.9328 34.5962C30.5781 36.2509 30.0625 39.5274 29.8797 40.6712L28.9734 47.7024L23.9438 75.2321C23.9281 75.3071 23.9141 75.3837 23.9016 75.4618L23.8656 75.6602C23.5031 78.1837 25.3563 80.6321 28.8656 80.6321C31.9281 80.6321 33.2797 78.518 33.8656 75.6415C33.8656 75.6415 38.2406 51.0212 40.4281 51.0212C42.6156 51.0212 47.1219 75.6415 47.1219 75.6415C47.7078 78.518 49.0594 80.6321 52.1219 80.6321C55.6406 80.6321 57.4938 78.1727 57.1219 75.6415C57.0891 75.4259 57.05 75.2134 57.0031 75.0071L51.9047 47.7055L51 40.6743C50.3453 36.579 50.8719 35.2259 51.05 34.9087C51.0548 34.9012 51.0589 34.8934 51.0625 34.8852C51.2312 34.5727 52 33.8727 53.7937 33.1993L67.7437 28.3227C67.8294 28.2999 67.9139 28.2728 67.9969 28.2415C70.4969 27.304 72.9969 26.0071 72.9969 23.2524C72.9969 20.4977 70.9672 17.4774 67.9984 18.2571Z" fill="white"></path></g><defs><clipPath id="clip0_2744_273121"><rect width="80" height="80" fill="white" transform="translate(0.5 0.632324)"></rect></clipPath></defs></svg> </div> 1488</div> 1489</div> 1490<div class="elementor-element elementor-element-5ae1f9c elementor-widget elementor-widget-heading" data-id="5ae1f9c" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default"> 1491<h3 class="elementor-heading-title elementor-size-default">Putting people first</h3> </div> 1492<div class="elementor-element elementor-element-212d409 elementor-widget elementor-widget-text-editor" data-id="212d409" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default"> 1493<p>From our customer care team of debt solution advisors and estate administrators to our Licensed Insolvency Trustees, we meet every person with empathy and respect. We are committed to reducing the stigma around debt and creating safe, judgment-free spaces for Canadians to seek help.</p> </div> 1494</div> 1495<div class="elementor-element elementor-element-e380b79 e-con-full e-flex e-con e-child" data-id="e380b79" data-element_type="container" data-e-type="container"> 1496<div class="elementor-element elementor-element-fb2d8cf elementor-view-default elementor-widget elementor-widget-icon" data-id="fb2d8cf" data-element_type="widget" data-e-type="widget" data-widget_type="icon.default"> 1497<div class="elementor-icon-wrapper"> 1498<div class="elementor-icon"> 1499<svg aria-hidden="true" class="e-font-icon-svg e-fas-book-open" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M542.22 32.05c-54.8 3.11-163.72 14.43-230.96 55.59-4.64 2.84-7.27 7.89-7.27 13.17v363.87c0 11.55 12.63 18.85 23.28 13.49 69.18-34.82 169.23-44.32 218.7-46.92 16.89-.89 30.02-14.43 30.02-30.66V62.75c.01-17.71-15.35-31.74-33.77-30.7zM264.73 87.64C197.5 46.48 88.58 35.17 33.78 32.05 15.36 31.01 0 45.04 0 62.75V400.6c0 16.24 13.13 29.78 30.02 30.66 49.49 2.6 149.59 12.11 218.77 46.95 10.62 5.35 23.21-1.94 23.21-13.46V100.63c0-5.29-2.62-10.14-7.27-12.99z"></path></svg> </div> 1500</div> 1501</div> 1502<div class="elementor-element elementor-element-4378e0f elementor-widget elementor-widget-heading" data-id="4378e0f" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default"> 1503<h3 class="elementor-heading-title elementor-size-default">Empowering financial education</h3> </div> 1504<div class="elementor-element elementor-element-c795d61 elementor-widget elementor-widget-text-editor" data-id="c795d61" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default"> 1505<p>We invest in tools, resources, and outreach initiatives that promote financial literacy and help Canadians make informed decisions about their future, regardless of whether they become clients.</p> </div> 1506</div> 1507<div class="elementor-element elementor-element-440108e e-con-full e-flex e-con e-child" data-id="440108e" data-element_type="container" data-e-type="container"> 1508<div class="elementor-element elementor-element-fb6bf78 elementor-view-default elementor-widget elementor-widget-icon" data-id="fb6bf78" data-element_type="widget" data-e-type="widget" data-widget_type="icon.default"> 1509<div class="elementor-icon-wrapper"> 1510<div class="elementor-icon"> 1511<svg aria-hidden="true" class="e-font-icon-svg e-fas-laugh" viewB
1511ox="0 0 496 512" xmlns="http://www.w3.org/2000/svg"><path d="M248 8C111 8 0 119 0 256s111 248 248 248 248-111 248-248S385 8 248 8zm80 152c17.7 0 32 14.3 32 32s-14.3 32-32 32-32-14.3-32-32 14.3-32 32-32zm-160 0c17.7 0 32 14.3 32 32s-14.3 32-32 32-32-14.3-32-32 14.3-32 32-32zm88 272h-16c-73.4 0-134-55-142.9-126-1.2-9.5 6.3-18 15.9-18h270c9.6 0 17.1 8.4 15.9 18-8.9 71-69.5 126-142.9 126z"></path></svg> </div> 1512</div> 1513</div> 1514<div class="elementor-element elementor-element-3a7a61e elementor-widget elementor-widget-heading" data-id="3a7a61e" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default"> 1515<h3 class="elementor-heading-title elementor-size-default">Supporting community wellbeing</h3> </div> 1516<div class="elementor-element elementor-element-765de54 elementor-widget elementor-widget-text-editor" data-id="765de54" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default"> 1517<p>We proudly support the well-being of the communities we serve through ongoing involvement in local initiatives focused on food security, homelessness, mental health, and financial inclusion. Our team members are encouraged to give back with time, compassion, and action and we continuously seek out opportunities to make a meaningful impact where it’s needed most.</p> </div> 1518</div> 1519<div class="elementor-element elementor-element-6da9dfe e-con-full e-flex e-con e-child" data-id="6da9dfe" data-element_type="container" data-e-type="container"> 1520<div class="elementor-element elementor-element-0a12334 elementor-view-default elementor-widget elementor-widget-icon" data-id="0a12334" data-element_type="widget" data-e-type="widget" data-widget_type="icon.default"> 1521<div class="elementor-icon-wrapper"> 1522<div class="elementor-icon"> 1523<svg aria-hidden="true" class="e-font-icon-svg e-fas-compass" viewBox="0 0 496 512" xmlns="http://www.w3.org/2000/svg"><path d="M225.38 233.37c-12.5 12.5-12.5 32.76 0 45.25 12.49 12.5 32.76 12.5 45.25 0 12.5-12.5 12.5-32.76 0-45.25-12.5-12.49-32.76-12.49-45.25 0zM248 8C111.03 8 0 119.03 0 256s111.03 248 248 248 248-111.03 248-248S384.97 8 248 8zm126.14 148.05L308.17 300.4a31.938 31.938 0 0 1-15.77 15.77l-144.34 65.97c-16.65 7.61-33.81-9.55-26.2-26.2l65.98-144.35a31.938 31.938 0 0 1 15.77-15.77l144.34-65.97c16.65-7.6 33.8 9.55 26.19 26.2z"></path></svg> </div> 1524</div> 1525</div> 1526<div class="elementor-element elementor-element-cad4079 elementor-widget elementor-widget-heading" data-id="cad4079" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default"> 1527<h2 class="elementor-heading-title elementor-size-default">acting responsibly as a business</h2> </div> 1528<div class="elementor-element elementor-element-1dec3cc elementor-widget elementor-widget-text-editor" data-id="1dec3cc" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default"> 1529<p>We hold ourselves accountable to the highest ethical standards in everything we do. This includes responsible data handling, fair employment practices, and inclusive hiring. We strive to operate sustainably and ethically, with a long-term view of creating value for people and the planet.</p> </div> 1530</div> 1531</div> 1532</div> 1533</div> 1534<div class="elementor-element elementor-element-3f6f1da pb-5 pb-lg-6 elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile e-flex e-con-boxed e-con e-parent" data-id="3f6f1da" data-element_type="container" data-e-type="container" data-settings="{"background_background":"classic"}"> 1535<div class="e-con-inner"> 1536<div class="elementor-element elementor-element-a7f737a elementor-hidden-mobile elementor-widget elementor-widget-image" data-id="a7f737a" data-element_type="widget" data-e-type="widget" data-widget_type="image.default"> 1537<picture loading="lazy" decoding="async" class="attachment-full size-full wp-image-3178"> 1538<source type="image/webp" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/hightlighting-spergel-members-cta.jpg.webp 992w, https://www.spergel.ca/wp-content/uploads/2025/08/hightlighting-spergel-members-cta-300x129.jpg.webp 300w, https://www.spergel.ca/wp-content/uploads/2025/08/hightlighting-spergel-members-cta-768x331.jpg.webp 768w" sizes="(max-width: 992px) 100vw, 992px"/> 1539<img onload="Wpfcll.r(this,true);" src="https://www.spergel.ca/wp-content/plugins/wp-fastest-cache-premium/pro/images/blank.gif" decoding="async" width="992" height="428" data-wpfc-original-src="https://www.spergel.ca/wp-content/uploads/2025/08/hightlighting-spergel-members-cta.jpg" alt="hightlighting spergel members" data-wpfc-original-srcset="https://www.spergel.ca/wp-content/uploads/2025/08/hightlighting-spergel-members-cta.jpg 992w, https://www.spergel.ca/wp-content/uploads/2025/08/hightlighting-spergel-members-cta-300x129.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/hightlighting-spergel-members-cta-768x331.jpg 768w" data-wpfc-original-sizes="(max-width: 992px) 100vw, 992px"/> 1540</picture> 1541</div> 1542<div class="elementor-element elementor-element-2a99493 elementor-hidden-desktop elementor-hidden-tablet elementor-widget elementor-widget-image" data-id="2a99493" data-element_type="widget" data-e-type="widget" data-widget_type="image.default"> 1543<picture loading="lazy" decoding="async" class="attachment-full size-full wp-image-5066"> 1544<source type="image/webp" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/hightlighting-spergel-members-cta-mobile.jpg.webp 992w, https://www.spergel.ca/wp-content/uploads/2025/08/hightlighting-spergel-members-cta-mobile-285x300.jpg.webp 285w, https://www.spergel.ca/wp-content/uploads/2025/08/hightlighting-spergel-members-cta-mobile-973x1024.jpg.webp 973w, https://www.spergel.ca/wp-content/uploads/2025/08/hightlighting-spergel-members-cta-mobile-768x808.jpg.webp 768w" sizes="(max-width: 992px) 100vw, 992px"/> 1545<img onload="Wpfcll.r(this,true);" src="https://www.spergel.ca/wp-content/plugins/wp-fastest-cache-premium/pro/images/blank.gif" decoding="async" width="992" height="1044" data-wpfc-original-src="https://www.spergel.ca/wp-content/uploads/2025/08/hightlighting-spergel-members-cta-mobile.jpg" alt="About Us" data-wpfc-original-srcset="https://www.spergel.ca/wp-content/uploads/2025/08/hightlighting-spergel-members-cta-mobile.jpg 992w, https://www.spergel.ca/wp-content/uploads/2025/08/hightlighting-spergel-members-cta-mobile-285x300.jpg 285w, https://www.spergel.ca/wp-content/uploads/2025/08/hightlighting-spergel-members-cta-mobile-973x1024.jpg 973w, https://www.spergel.ca/wp-content/uploads/2025/08/hightlighting-spergel-members-cta-mobile-768x808.jpg 768w" data-wpfc-original-sizes="(max-width: 992px) 100vw, 992px"/> 1546</picture> 1547</div> 1548<div class="elementor-element elementor-element-ef0fc25 e-con-full pt-4 e-flex e-con e-child" data-id="ef0fc25" data-element_type="container" data-e-type="container"> 1549<div class="elementor-element elementor-element-f65dab3 elementor-widget elementor-widget-heading" data-id="f65dab3" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default"> 1550<h2 class="elementor-heading-title elementor-size-default">At <span style="text-transform: none !important">Spergel</span>, doing the right thing is our identity</h2> </div> 1551<div class="elementor-element elementor-element-dcce480 elementor-widget elementor-widget-text-editor" data-id="dcce480" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default"> 1552<p>We’re proud to be a firm where social responsibility is the norm.</p> </div> 1553<div class="elementor-element elementor-element-85cfb0d elementor-widget elementor-widget-custom-button" data-id="85cfb0d" data-element_type="widget" data-e-type="widget" data-widget_type="custom-button.default"> 1554<div class="elementor-widget-container treefrog-btn"> 1555<a class="btn outline" href="tel:18775577367" > 1556<span class="d-center"> 1557<svg xmlns="http://www.w3.org/2000/svg" width="25" height="25" viewB
1557ox="0 0 25 25" fill="none"><path d="M16.5078 3.92578H21.5078M21.5078 3.92578V8.92578M21.5078 3.92578L15.5078 9.92578M5.50781 3.92578C4.40324 3.92578 3.50781 4.82121 3.50781 5.92578V6.92578C3.50781 15.2101 10.2235 21.9258 18.5078 21.9258H19.5078C20.6124 21.9258 21.5078 21.0304 21.5078 19.9258V16.6465C21.5078 16.2161 21.2324 15.834 20.824 15.6979L16.3306 14.2C15.8585 14.0427 15.3425 14.2564 15.1199 14.7015L13.9913 16.9588C11.5466 15.8565 9.57706 13.887 8.47482 11.4423L10.7321 10.3136C11.1772 10.0911 11.3909 9.57511 11.2335 9.10299L9.73574 4.60955C9.59962 4.20121 9.21748 3.92578 8.78705 3.92578H5.50781Z" stroke="#3A2572" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg> <span style="padding-left:10px" >Give Us a Call</span> 1558</span> 1559</a> 1560</div> 1561</div> 1562</div> 1563</div> 1564</div> 1565<div class="elementor-element elementor-element-03df169 pt-5 pt-lg-6 e-flex e-con-boxed e-con e-parent" data-id="03df169" data-element_type="container" data-e-type="container" data-settings="{"background_background":"classic"}"> 1566<div class="e-con-inner"> 1567<div class="elementor-element elementor-element-2c7a77f e-con-full e-flex e-con e-child" data-id="2c7a77f" data-element_type="container" data-e-type="container"> 1568<div class="elementor-element elementor-element-7716f55 elementor-widget elementor-widget-heading" data-id="7716f55" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default"> 1569<h2 class="elementor-heading-title elementor-size-default">Need<span style="text-transform: lowercase !important"> Help With Debt? Let's Do This Together</h2> </div> 1570<div class="elementor-element elementor-element-4e85527 elementor-widget elementor-widget-text-editor" data-id="4e85527" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default"> 1571<p>Reaching out to tell your story is the most important step, so let’s talk â we guarantee that we can help you.</p> </div> 1572</div> 1573</div> 1574</div> 1575<div class="elementor-element elementor-element-19b377f py-5 pb-lg-6 e-flex e-con-boxed e-con e-parent" data-id="19b377f" data-element_type="container" data-e-type="container" data-settings="{"background_background":"classic"}"> 1576<div class="e-con-inner"> 1577<div class="elementor-element elementor-element-b01ee82 e-con-full e-flex e-con e-child" data-id="b01ee82" data-element_type="container" data-e-type="container"> 1578<div class="elementor-element elementor-element-982cc5a e-con-full e-flex e-con e-child" data-id="982cc5a" data-element_type="container" data-e-type="container"> 1579<div class="elementor-element elementor-element-322ae5c elementor-widget elementor-widget-template" data-id="322ae5c" data-element_type="widget" data-e-type="widget" data-widget_type="template.default"> 1580<div class="elementor-widget-container"> 1581<div class="elementor-template"> 1582<div data-elementor-type="container" data-elementor-id="14595" class="elementor elementor-14595" data-elementor-post-type="elementor_library"> 1583<div class="elementor-element elementor-element-7d3f3fc e-flex e-con-boxed e-con e-parent" data-id="7d3f3fc" data-element_type="container" data-e-type="container" data-settings="{"background_background":"classic"}"> 1584<div class="e-con-inner"> 1585<div class="elementor-element elementor-element-137cbed e-n-tabs-none elementor-widget elementor-widget-n-tabs" data-id="137cbed" data-element_type="widget" data-e-type="widget" data-settings="{"tabs_justify_horizontal":"center","tabs_justify_horizontal_tablet":"center","horizontal_scroll_mobile":"disable","horizontal_scroll":"disable"}" data-widget_type="nested-tabs.default"> 1586<div class="e-n-tabs" data-widget-number="20433901" aria-label="Tabs. Open items with Enter or Space, close with Escape and navigate using the Arrow keys."> 1587<div class="e-n-tabs-heading" role="tablist"> 1588<button id="tab-quick-forms" data-tab-title-id="e-n-tab-title-204339011" class="e-n-tab-title" aria-selected="true" data-tab-index="1" role="tab" tabindex="0" aria-controls="e-n-tab-content-204339011" style="--n-tabs-title-order: 1;"> 1589<span class="e-n-tab-icon"> 1590<svg xmlns="http://www.w3.org/2000/svg" width="25" height="25" viewB
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1622 </div> 1623<div class="elementor-element elementor-element-b6da134 form-light elementor-widget elementor-widget-shortcode" data-id="b6da134" data-element_type="widget" data-e-type="widget" data-widget_type="shortcode.default"> 1624<div class="elementor-shortcode"> 1625<div class='gf_browser_chrome gform_wrapper gform-theme gform-theme--foundation gform-theme--framework gform-theme--orbital' data-form-theme='orbital' data-form-index='0' id='gform_wrapper_1' ><style>#gform_wrapper_1[data-form-index="0"].gform-theme{--gf-color-primary: #204ce5;--gf-color-primary-rgb: 32, 76, 229;--gf-color-primary-contrast: #fff;--gf-color-primary-contrast-rgb: 255, 255, 255;--gf-color-primary-darker: #001AB3;--gf-color-primary-lighter: #527EFF;--gf-color-secondary: #fff;--gf-color-secondary-rgb: 255, 255, 255;--gf-color-secondary-contrast: #112337;--gf-color-secondary-contrast-rgb: 17, 35, 55;--gf-color-secondary-darker: #F5F5F5;--gf-color-secondary-lighter: #FFFFFF;--gf-color-out-ctrl-light: 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0.35);--gf-color-in-ctrl-light-lighter: #F5F5F5;--gf-color-in-ctrl-dark: #585e6a;--gf-color-in-ctrl-dark-rgb: 88, 94, 106;--gf-color-in-ctrl-dark-darker: #112337;--gf-color-in-ctrl-dark-lighter: rgba(17, 35, 55, 0.65);--gf-radius: 3px;--gf-font-size-secondary: 14px;--gf-font-size-tertiary: 13px;--gf-icon-ctrl-number: url("data:image/svg+xml,%3Csvg width='8' height='14' viewBox='0 0 8 14' fill='none' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath fill-rule='evenodd' clip-rule='evenodd' d='M4 0C4.26522 5.96046e-08 4.51957 0.105357 4.70711 0.292893L7.70711 3.29289C8.09763 3.68342 8.09763 4.31658 7.70711 4.70711C7.31658 5.09763 6.68342 5.09763 6.29289 4.70711L4 2.41421L1.70711 4.70711C1.31658 5.09763 0.683417 5.09763 0.292893 4.70711C-0.0976311 4.31658 -0.097631 3.68342 0.292893 3.29289L3.29289 0.292893C3.48043 0.105357 3.73478 0 4 0ZM0.292893 9.29289C0.683417 8.90237 1.31658 8.90237 1.70711 9.29289L4 11.5858L6.29289 9.29289C6.68342 8.90237 7.31658 8.90237 7.70711 9.29289C8.09763 9.68342 8.09763 10.3166 7.70711 10.7071L4.70711 13.7071C4.31658 14.0976 3.68342 14.0976 3.29289 13.7071L0.292893 10.7071C-0.0976311 10.3166 -0.0976311 9.68342 0.292893 9.29289Z' fill='rgba(17, 35, 55, 0.65)'/%3E%3C/svg%3E");--gf-icon-ctrl-select: url("data:image/svg+xml,%3Csvg width='10' height='6' viewBox='0 0 10 6' fill='none' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath fill-rule='evenodd' clip-rule='evenodd' d='M0.292893 0.292893C0.683417 -0.097631 1.31658 -0.097631 1.70711 0.292893L5 3.58579L8.29289 0.292893C8.68342 -0.0976311 9.31658 -0.0976311 9.70711 0.292893C10.0976 0.683417 10.0976 1.31658 9.70711 1.70711L5.70711 5.70711C5.31658 6.09763 4.68342 6.09763 4.29289 5.70711L0.292893 1.70711C-0.0976311 1.31658 -0.0976311 0.683418 0.292893 0.292893Z' fill='rgba(17, 35, 55, 0.65)'/%3E%3C/svg%3E");--gf-icon-ctrl-search: url("data:image/svg+xml,%3Csvg width='640' height='640' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M256 128c-70.692 0-128 57.308-128 128 0 70.691 57.308 128 128 128 70.691 0 128-57.309 128-128 0-70.692-57.309-128-128-128zM64 256c0-106.039 85.961-192 192-192s192 85.961 192 192c0 41.466-13.146 79.863-35.498 111.248l154.125 154.125c12.496 12.496 12.496 32.758 0 45.254s-32.758 12.496-45.254 0L367.248 412.502C335.862 434.854 297.467 448 256 448c-106.039 0-192-85.962-192-192z' fill='rgba(17, 35, 55, 0.65)'/%3E%3C/svg%3E");--gf-label-space-y-secondary: var(--gf-label-space-y-md-secondary);--gf-ctrl-border-color: #686e77;--gf-ctrl-size: var(--gf-ctrl-size-md);--gf-ctrl-label-color-primary: #112337;--gf-ctrl-label-color-secondary: #112337;--gf-ctrl-choice-size: var(--gf-ctrl-choice-size-md);--gf-ctrl-checkbox-check-size: var(--gf-ctrl-checkbox-check-size-md);--gf-ctrl-radio-check-size: var(--gf-ctrl-radio-check-size-md);--gf-ctrl-btn-font-size: var(--gf-ctrl-btn-font-size-md);--gf-ctrl-btn-padding-x: var(--gf-ctrl-btn-padding-x-md);--gf-ctrl-btn-size: var(--gf-ctrl-btn-size-md);--gf-ctrl-btn-border-color-secondary: #686e77;--gf-ctrl-btn-bg-color-hover-tertiary: #EBEBEB;--gf-field-img-choice-size: var(--gf-field-img-choice-size-md);--gf-field-img-choice-card-space: var(--gf-field-img-choice-card-space-md);--gf-field-img-choice-check-ind-size: var(--gf-field-img-choice-check-ind-size-md);--gf-field-img-choice-check-ind-icon-size: var(--gf-field-img-choice-check-ind-icon-size-md);--gf-field-pg-steps-number-color: rgba(17, 35, 55, 0.8);}</style><div id='gf_1' class='gform_anchor' tabindex='-1'></div> 1626<div class='gform_heading'> 1627<p class='gform_required_legend'>"
1627<span class="gfield_required gfield_required_asterisk">*</span>" indicates required fields</p> 1628</div><form method='post' enctype='multipart/form-data' target='gform_ajax_frame_1' id='gform_1' action='/about-us/#gf_1' data-formid='1' novalidate> 1629<div class='gform-body gform_body'><div id='gform_fields_1' class='gform_fields top_label form_sublabel_below description_below validation_below'><div id="field_1_87" class="gfield gfield--type-honeypot gform_validation_container field_sublabel_below gfield--has-description field_description_below field_validation_below gfield_visibility_visible" ><label class='gfield_label gform-field-label' for='input_1_87'><span class='gform-field-label__text'>LinkedIn</span></label><div class='ginput_container'><input name='input_87' id='input_1_87' type='text' value='' autocomplete='new-password'/></div><div class='gfield_description' id='gfield_description_1_87'>This field is for validation purposes and should be left unchanged.</div></div><div id="field_1_1" class="gfield gfield--type-text gfield--input-type-text gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><label class='gfield_label gform-field-label' for='input_1_1'><span class='gform-field-label__text'>First Name</span><span class="gfield_required"><span class="gfield_required gfield_required_asterisk">*</span></span></label><div class='ginput_container ginput_container_text'><input name='input_1' id='input_1_1' type='text' value='' class='large' aria-required="true" aria-invalid="false" /></div></div><div id="field_1_2" class="gfield gfield--type-text gfield--input-type-text gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><label class='gfield_label gform-field-label' for='input_1_2'><span class='gform-field-label__text'>Last Name</span><span class="gfield_required"><span class="gfield_required gfield_required_asterisk">*</span></span></label><div class='ginput_container ginput_container_text'><input name='input_2' id='input_1_2' type='text' value='' class='large' aria-required="true" aria-invalid="false" /></div></div><div id="field_1_3" class="gfield gfield--type-email gfield--input-type-email gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><label class='gfield_label gform-field-label' for='input_1_3'><span class='gform-field-label__text'>Email</span><span class="gfield_required"><span class="gfield_required gfield_required_asterisk">*</span></span></label><div class='ginput_container ginput_container_email'> 1630<input name='input_3' id='input_1_3' type='email' value='' class='large' aria-required="true" aria-invalid="false" /> 1631</div></div><div id="field_1_4" class="gfield gfield--type-phone gfield--input-type-phone gfield--phone-format-standard gfield--width-full field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><label class='gfield_label gform-field-label' for='input_1_4'><span class='gform-field-label__text'>Phone</span></label><div class='ginput_container ginput_container_phone'><input name='input_4' id='input_1_4' type='tel' value='' class='large' placeholder='(999) 999-9999' aria-invalid="false" data-mask="(999) 999-9999" /></div></div><div id="field_1_5" class="gfield gfield--type-textarea gfield--input-type-textarea gfield--width-full field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><label class='gfield_label gform-field-label' for='input_1_5'><span class='gform-field-label__text'>Message</span></label><div class='ginput_container ginput_container_textarea'><textarea name='input_5' id='input_1_5' class='textarea small' aria-invalid="false" rows='10' cols='50'></textarea></div></div><div id="field_1_7" class="gfield gfield--type-hidden gfield--in
1631put-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_7' id='input_1_7' type='hidden' class='gform_hidden' aria-invalid="false" value='' /></div></div><div id="field_1_8" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_8' id='input_1_8' type='hidden' class='gform_hidden' aria-invalid="false" value='' /></div></div><div id="field_1_9" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_9' id='input_1_9' type='hidden' class='gform_hidden' aria-invalid="false" value='' /></div></div><div id="field_1_10" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_10' id='input_1_10' type='hidden' class='gform_hidden' aria-invalid="false" value='' /></div></div><div id="field_1_11" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_11' id='input_1_11' type='hidden' class='gform_hidden' aria-invalid="false" value='' /></div></div><div id="field_1_12" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_12' id='input_1_12' type='hidden' class='gform_hidden' aria-invalid="false" value='' /></div></div><div id="field_1_13" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_13' id='input_1_13' type='hidden' class='gform_hidden' aria-invalid="false" value='' /></div></div><div id="field_1_14" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_14' id='input_1_14' type='hidden' class='gform_hidden' aria-invalid="false" value='' /></div></div><div id="field_1_15" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_15' id='input_1_15' type='hidden' class='gform_hidden' aria-invalid="false" value='' /></div></div><div id="field_1_16" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_16' id='input_1_16' type='hidden' class='gform_hidden' aria-invalid="false" value='' /></div></div><div id="field_1_17" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_17' id='input_1_17' type='hidden' class='gform_hidden' aria-invalid="false" value='' /></div></div><div id="field_1_18" class="gfield gfield--type-hidden gfield--in
1631put-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_18' id='input_1_18' type='hidden' class='gform_hidden' aria-invalid="false" value='' /></div></div><div id="field_1_19" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_19' id='input_1_19' type='hidden' class='gform_hidden' aria-invalid="false" value='' /></div></div><div id="field_1_21" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_21' id='input_1_21' type='hidden' class='gform_hidden' aria-invalid="false" value='' /></div></div><div id="field_1_22" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_22' id='input_1_22' type='hidden' class='gform_hidden' aria-invalid="false" value='' /></div></div><div id="field_1_23" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_23' id='input_1_23' type='hidden' class='gform_hidden' aria-invalid="false" value='' /></div></div><div id="field_1_24" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_24' id='input_1_24' type='hidden' class='gform_hidden' aria-invalid="false" value='' /></div></div><div id="field_1_25" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_25' id='input_1_25' type='hidden' class='gform_hidden' aria-invalid="false" value='' /></div></div><div id="field_1_26" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_26' id='input_1_26' type='hidden' class='gform_hidden' aria-invalid="false" value='' /></div></div><div id="field_1_27" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_27' id='input_1_27' type='hidden' class='gform_hidden' aria-invalid="false" value='' /></div></div><div id="field_1_28" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_28' id='input_1_28' type='hidden' class='gform_hidden' aria-invalid="false" value='' /></div></div><div id="field_1_29" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_29' id='input_1_29' type='hidden' class='gform_hidden' aria-invalid="false" value='' /></div></div><div id="field_1_30" class="gfield gfield--type-hidden gfield--in
1631put-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_30' id='input_1_30' type='hidden' class='gform_hidden' aria-invalid="false" value='' /></div></div><div id="field_1_31" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_31' id='input_1_31' type='hidden' class='gform_hidden' aria-invalid="false" value='' /></div></div><div id="field_1_32" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_32' id='input_1_32' type='hidden' class='gform_hidden' aria-invalid="false" value='' /></div></div><div id="field_1_33" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_33' id='input_1_33' type='hidden' class='gform_hidden' aria-invalid="false" value='' /></div></div><div id="field_1_34" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_34' id='input_1_34' type='hidden' class='gform_hidden' aria-invalid="false" value='' /></div></div><div id="field_1_35" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_35' id='input_1_35' type='hidden' class='gform_hidden' aria-invalid="false" value='' /></div></div><div id="field_1_36" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_36' id='input_1_36' type='hidden' class='gform_hidden' aria-invalid="false" value='' /></div></div><div id="field_1_37" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_37' id='input_1_37' type='hidden' class='gform_hidden' aria-invalid="false" value='' /></div></div><div id="field_1_38" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_38' id='input_1_38' type='hidden' class='gform_hidden' aria-invalid="false" value='' /></div></div><div id="field_1_39" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_39' id='input_1_39' type='hidden' class='gform_hidden' aria-invalid="false" value='https://www.spergel.ca/ads.txt' /></div></div><div id="field_1_40" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_40' id='input_1_40' type='hidden' class='gform_hidden' aria-invalid="false" value='' /></div></div><div id="field_1_41" class="gfield gfield--type-hidden gfield--in
1631put-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_41' id='input_1_41' type='hidden' class='gform_hidden' aria-invalid="false" value='106.49.60.139' /></div></div><div id="field_1_42" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_42' id='input_1_42' type='hidden' class='gform_hidden' aria-invalid="false" value='' /></div></div><div id="field_1_43" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_43' id='input_1_43' type='hidden' class='gform_hidden' aria-invalid="false" value='https://www.spergel.ca/about-us/' /></div></div><div id="field_1_44" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_44' id='input_1_44' type='hidden' class='gform_hidden' aria-invalid="false" value='' /></div></div><div id="field_1_45" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_45' id='input_1_45' type='hidden' class='gform_hidden' aria-invalid="false" value='https://www.spergel.ca/about-us/' /></div></div><div id="field_1_46" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_46' id='input_1_46' type='hidden' class='gform_hidden' aria-invalid="false" value='' /></div></div><div id="field_1_47" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_47' id='input_1_47' type='hidden' class='gform_hidden' aria-invalid="false" value='' /></div></div><div id="field_1_48" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_48' id='input_1_48' type='hidden' class='gform_hidden' aria-invalid="false" value='' /></div></div><div id="field_1_49" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_49' id='input_1_49' type='hidden' class='gform_hidden' aria-invalid="false" value='Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/94.0.4606.81 Safari/537.36' /></div></div><div id="field_1_50" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_50' id='input_1_50' type='hidden' class='gform_hidden' aria-invalid="false" value='' /></div></div><div id="field_1_51" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_51' id='input_1_51' type='hidden' class='gform_hidden' aria-invalid="false" value='' /></div></div><div id="field_1_52" class="gfield gfield--type-hidden gfield--in
1631put-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_52' id='input_1_52' type='hidden' class='gform_hidden' aria-invalid="false" value='' /></div></div><div id="field_1_53" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_53' id='input_1_53' type='hidden' class='gform_hidden' aria-invalid="false" value='' /></div></div><div id="field_1_54" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_54' id='input_1_54' type='hidden' class='gform_hidden' aria-invalid="false" value='' /></div></div><div id="field_1_55" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_55' id='input_1_55' type='hidden' class='gform_hidden' aria-invalid="false" value='' /></div></div><div id="field_1_56" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_56' id='input_1_56' type='hidden' class='gform_hidden' aria-invalid="false" value='' /></div></div><div id="field_1_57" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_57' id='input_1_57' type='hidden' class='gform_hidden' aria-invalid="false" value='' /></div></div><div id="field_1_58" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_58' id='input_1_58' type='hidden' class='gform_hidden' aria-invalid="false" value='' /></div></div><div id="field_1_59" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_59' id='input_1_59' type='hidden' class='gform_hidden' aria-invalid="false" value='' /></div></div><div id="field_1_60" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_60' id='input_1_60' type='hidden' class='gform_hidden' aria-invalid="false" value='' /></div></div><div id="field_1_61" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_61' id='input_1_61' type='hidden' class='gform_hidden' aria-invalid="false" value='' /></div></div><div id="field_1_62" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_62' id='input_1_62' type='hidden' class='gform_hidden' aria-invalid="false" value='' /></div></div><div id="field_1_63" class="gfield gfield--type-hidden gfield--in
1631put-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_63' id='input_1_63' type='hidden' class='gform_hidden' aria-invalid="false" value='' /></div></div><div id="field_1_64" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_64' id='input_1_64' type='hidden' class='gform_hidden' aria-invalid="false" value='' /></div></div><div id="field_1_65" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_65' id='input_1_65' type='hidden' class='gform_hidden' aria-invalid="false" value='' /></div></div><div id="field_1_66" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_66' id='input_1_66' type='hidden' class='gform_hidden' aria-invalid="false" value='' /></div></div><div id="field_1_67" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_67' id='input_1_67' type='hidden' class='gform_hidden' aria-invalid="false" value='' /></div></div><div id="field_1_68" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_68' id='input_1_68' type='hidden' class='gform_hidden' aria-invalid="false" value='' /></div></div><div id="field_1_69" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_69' id='input_1_69' type='hidden' class='gform_hidden' aria-invalid="false" value='' /></div></div><div id="field_1_70" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_70' id='input_1_70' type='hidden' class='gform_hidden' aria-invalid="false" value='' /></div></div><div id="field_1_71" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_71' id='input_1_71' type='hidden' class='gform_hidden' aria-invalid="false" value='https://www.spergel.ca/ads.txt' /></div></div><div id="field_1_72" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_72' id='input_1_72' type='hidden' class='gform_hidden' aria-invalid="false" value='' /></div></div><div id="field_1_73" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_73' id='input_1_73' type='hidden' class='gform_hidden' aria-invalid="false" value='106.49.60.139' /></div></div><div id="field_1_74" class="gfield gfield--type-hidden gfield--in
1631put-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_74' id='input_1_74' type='hidden' class='gform_hidden' aria-invalid="false" value='' /></div></div><div id="field_1_75" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_75' id='input_1_75' type='hidden' class='gform_hidden' aria-invalid="false" value='https://www.spergel.ca/about-us/' /></div></div><div id="field_1_76" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_76' id='input_1_76' type='hidden' class='gform_hidden' aria-invalid="false" value='' /></div></div><div id="field_1_77" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_77' id='input_1_77' type='hidden' class='gform_hidden' aria-invalid="false" value='https://www.spergel.ca/about-us/' /></div></div><div id="field_1_78" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_78' id='input_1_78' type='hidden' class='gform_hidden' aria-invalid="false" value='' /></div></div><div id="field_1_79" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_79' id='input_1_79' type='hidden' class='gform_hidden' aria-invalid="false" value='' /></div></div><div id="field_1_80" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_80' id='input_1_80' type='hidden' class='gform_hidden' aria-invalid="false" value='' /></div></div><div id="field_1_81" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_81' id='input_1_81' type='hidden' class='gform_hidden' aria-invalid="false" value='Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/94.0.4606.81 Safari/537.36' /></div></div><div id="field_1_82" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_82' id='input_1_82' type='hidden' class='gform_hidden' aria-invalid="false" value='' /></div></div><div id="field_1_83" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_83' id='input_1_83' type='hidden' class='gform_hidden' aria-invalid="false" value='' /></div></div><div id="field_1_84" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_84' id='input_1_84' type='hidden' class='gform_hidden' aria-invalid="false" value='' /></div></div><div id="field_1_85" class="gfield gfield--type-hidden gfield--in
1631put-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_85' id='input_1_85' type='hidden' class='gform_hidden' aria-invalid="false" value='' /></div></div><div id="field_1_86" class="gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><div class='ginput_container ginput_container_text'><input name='input_86' id='input_1_86' type='hidden' class='gform_hidden' aria-invalid="false" value='' /></div></div></div></div> 1632<div class='gform-footer gform_footer top_label'> <button id="gform_submit_button_1" type="submit" class="gform_button button" onclick="gform.submission.handleButtonClick(this);" data-submission-type="submit"><span>Submit</span></button> <input type='hidden' name='gform_ajax' value='form_id=1&title=&description=&tabindex=0&theme=orbital&styles=[]&hash=892373a2a17cbc650462d8c6e59eec8a' /><input type='hidden' class='gform_hidden' name='gform_submission_speeds' value='{"pages":[]}' /> 1633<input type='hidden' class='gform_hidden' name='gform_submission_method' data-js='gform_submission_method_1' value='iframe' /> 1634<input type='hidden' class='gform_hidden' name='gform_theme' data-js='gform_theme_1' id='gform_theme_1' value='orbital' /> 1635<input type='hidden' class='gform_hidden' name='gform_style_settings' data-js='gform_style_settings_1' id='gform_style_settings_1' value='[]' /> 1636<input type='hidden' class='gform_hidden' name='is_submit_1' value='1' /> 1637<input type='hidden' class='gform_hidden' name='gform_submit' value='1' /> 1638<input type='hidden' class='gform_hidden' name='gform_currency' data-currency='CAD' value='tsqeeEs02wX7BIcnF7iQ4pn4+acxGfEvf0YuCa8fUx54z5OK110oP7Alggf2msYK6dAU1UBsjIIJ3gjZQjTTV+CL95AyWnUmt/rCuBxBRuosIm0=' /> 1639<input type='hidden' class='gform_hidden' name='gform_unique_id' value='' /> 1640<input type='hidden' class='gform_hidden' name='state_1' value='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' /> 1641<input type='hidden' autocomplete='off' class='gform_hidden' name='gform_target_page_number_1' id='gform_target_page_number_1' value='0' /> 1642<input type='hidden' autocomplete='off' class='gform_hidden' name='gform_source_page_number_1' id='gform_source_page_number_1' value='1' /> 1643<input type='hidden' name='gform_field_values' value='' /> 1644</div> 1645</form> 1646</div> 1647<iframe style='display:none;width:0px;height:0px;' onload="Wpfcll.r(this,true);" data-wpfc-original-src='about:blank' name='gform_ajax_frame_1' id='gform_ajax_frame_1' title='This iframe contains the logic required to handle Ajax powered Gravity Forms.'></iframe> 1648</div> 1649</div> 1650</div> 1651<div id="e-n-tab-content-204339012" role="tabpanel" aria-labelledby="tab-date-time" data-tab-index="2" style="--n-tabs-title-order: 2;" class=" elementor-element elementor-element-8e45449 e-con-full e-flex e-con e-child" data-id="8e45449" data-element_type="container" data-e-type="container" data-settings="{"background_background":"classic"}"> 1652<div class="elementor-element elementor-element-50030a9 elementor-widget elementor-widget-heading" data-id="50030a9" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default"> 1653<h3 class="elementor-heading-title elementor-size-default">Book a Specific Date/Time</h3> </div> 1654<div class="elementor-element elementor-element-127f7fc elementor-widget elementor-widget-html" data-id="127f7fc" data-element_type="widget" data-e-type="widget" data-widget_type="html.default"> 1655<iframe onload="Wpfcll.r(this,true);" data-wpfc-original-src="https://appt.spergel.ca/NewAppointment/E81CC7500B224BF08C20CF7BFCD71086?type=2" width="100%" height="100%"></iframe> </div> 1656</div> 1657<div id="e-n-tab-content-204339013" role="tabpanel" aria-labelledby="tab-call" data-tab-index="3" style="--n-tabs-title-order: 3;" class=" elementor-element elementor-element-7754446 e-con-full e-flex e-con e-child" data-id="7754446" data-element_type="container" data-e-type="container" data-settings="{"background_background":"classic"}"> 1658<div class="elementor-element elementor-element-8635865 elementor-widget elementor-widget-heading" data-id="8635865" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default"> 1659<h3 class="elementor-heading-title elementor-size-default">Call Us During Business Hours</h3>
1659 </div> 1660<div class="elementor-element elementor-element-3bfc704 elementor-widget elementor-widget-text-editor" data-id="3bfc704" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default"> 1661<p>When you call, you will be connected with one of our Licensed Insolvency Trustees (LITs) during our regular business hours.</p> </div> 1662<div class="elementor-element elementor-element-921bd8a pb-3 elementor-widget elementor-widget-text-editor" data-id="921bd8a" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default"> 1663<p><strong>Toll Free: <a href="tel:+18775014321">1-877-501-4321</a></strong></p> </div> 1664<div class="elementor-element elementor-element-322104a elementor-widget elementor-widget-text-editor" data-id="322104a" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default"> 1665<p><strong>Monday to Friday 8am â 7pm EST</strong></p><p><strong>Saturday 9am â 4pm EST</strong></p><p><strong>Sunday 10am â 5pm EST</strong></p> </div> 1666<div class="elementor-element elementor-element-eaac280 elementor-widget elementor-widget-text-editor" data-id="eaac280" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default"> 1667<p>You can also reach us at one of our <strong><span style="text-decoration: underline;"><a href="/locations/">office locations</a></span></strong> phone numbers. See our list below on this page.</p> </div> 1668<div class="elementor-element elementor-element-8a40a50 elementor-widget elementor-widget-custom-button" data-id="8a40a50" data-element_type="widget" data-e-type="widget" data-widget_type="custom-button.default"> 1669<div class="elementor-widget-container treefrog-btn"> 1670<a class="btn primary" href="tel:18775014321" > 1671<span class="d-center"> 1672<svg xmlns="http://www.w3.org/2000/svg" width="25" height="25" viewBox="0 0 25 25" fill="none"><path d="M16.5078 3.92578H21.5078M21.5078 3.92578V8.92578M21.5078 3.92578L15.5078 9.92578M5.50781 3.92578C4.40324 3.92578 3.50781 4.82121 3.50781 5.92578V6.92578C3.50781 15.2101 10.2235 21.9258 18.5078 21.9258H19.5078C20.6124 21.9258 21.5078 21.0304 21.5078 19.9258V16.6465C21.5078 16.2161 21.2324 15.834 20.824 15.6979L16.3306 14.2C15.8585 14.0427 15.3425 14.2564 15.1199 14.7015L13.9913 16.9588C11.5466 15.8565 9.57706 13.887 8.47482 11.4423L10.7321 10.3136C11.1772 10.0911 11.3909 9.57511 11.2335 9.10299L9.73574 4.60955C9.59962 4.20121 9.21748 3.92578 8.78705 3.92578H5.50781Z" stroke="#3A2572" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg> <span style="padding-left:10px" >Call Now</span> 1673</span> 1674</a> 1675</div> 1676</div> 1677</div> 1678<div id="e-n-tab-content-204339014" role="tabpanel" aria-labelledby="tab-text" data-tab-index="4" style="--n-tabs-title-order: 4;" class=" elementor-element elementor-element-b53ad6f e-flex e-con-boxed e-con e-child" data-id="b53ad6f" data-element_type="container" data-e-type="container" data-settings="{"background_background":"classic"}"> 1679<div class="e-con-inner"> 1680<div class="elementor-element elementor-element-aca664d elementor-widget elementor-widget-heading" data-id="aca664d" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default"> 1681<h3 class="elementor-heading-title elementor-size-default">Text Us During Business Hours</h3> </div> 1682<div class="elementor-element elementor-element-76c1dd0 elementor-widget elementor-widget-text-editor" data-id="76c1dd0" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default"> 1683<p>From your phone, you will be connected with one of our Licensed Insolvency Trustees (LITs) during our regular business hours.</p> </div> 1684<div class="elementor-element elementor-element-6d70b0e elementor-widget elementor-widget-text-editor" data-id="6d70b0e" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default"> 1685<p><strong>Monday to Friday 8am â 7pm EST</strong></p><p><strong>Saturday 9am â 4pm EST</strong></p><p><strong>Sunday 10am â 5pm EST</strong></p> </div> 1686<div class="elementor-element elementor-element-77e0a92 elementor-widget elementor-widget-text-editor" data-id="77e0a92" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default"> 1687<p>Not during office hours? Use our Chat on this page 24/7 and get connected for answers and live chat later.</p> </div> 1688<div class="elementor-element elementor-element-7a13f15 elementor-widget elementor-widget-custom-button" data-id="7a13f15" data-element_type="widget" data-e-type="widget" data-widget_type="custom-button.default"> 1689<div class="elementor-widget-container treefrog-btn"> 1690<a class="btn primary" href="sms:+12893018179?&
1690body=I%27d%20like%20to%20know%20more%20about%20my%20debt%20help%20options" > 1691<span class="d-center"> 1692<svg xmlns="http://www.w3.org/2000/svg" width="25" height="25" viewBox="0 0 25 25" fill="none"><path d="M17.5078 13.4258C17.7839 13.4258 18.0078 13.2019 18.0078 12.9258C18.0078 12.6497 17.7839 12.4258 17.5078 12.4258C17.2317 12.4258 17.0078 12.6497 17.0078 12.9258C17.0078 13.2019 17.2317 13.4258 17.5078 13.4258Z" fill="#3A2572" stroke="#3A2572" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path><path d="M12.5078 13.4258C12.7839 13.4258 13.0078 13.2019 13.0078 12.9258C13.0078 12.6497 12.7839 12.4258 12.5078 12.4258C12.2317 12.4258 12.0078 12.6497 12.0078 12.9258C12.0078 13.2019 12.2317 13.4258 12.5078 13.4258Z" fill="#3A2572" stroke="#3A2572" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path><path d="M7.50781 13.4258C7.78395 13.4258 8.00781 13.2019 8.00781 12.9258C8.00781 12.6497 7.78395 12.4258 7.50781 12.4258C7.23167 12.4258 7.00781 12.6497 7.00781 12.9258C7.00781 13.2019 7.23167 13.4258 7.50781 13.4258Z" fill="#3A2572" stroke="#3A2572" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path><path d="M12.5078 22.9258C18.0306 22.9258 22.5078 18.4486 22.5078 12.9258C22.5078 7.40293 18.0306 2.92578 12.5078 2.92578C6.98496 2.92578 2.50781 7.40293 2.50781 12.9258C2.50781 14.7472 2.99478 16.4549 3.84563 17.9258L3.00781 22.4258L7.50781 21.588C8.97868 22.4388 10.6864 22.9258 12.5078 22.9258Z" stroke="#3A2572" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg> <span style="padding-left:10px" >Text Now</span> 1693</span> 1694</a> 1695</div> 1696</div> 1697</div> 1698</div> 1699<div id="e-n-tab-content-204339015" role="tabpanel" aria-labelledby="tab-email" data-tab-index="5" style="--n-tabs-title-order: 5;" class=" elementor-element elementor-element-580d7c6 e-flex e-con-boxed e-con e-child" data-id="580d7c6" data-element_type="container" data-e-type="container" data-settings="{"background_background":"classic"}"> 1700<div class="e-con-inner"> 1701<div class="elementor-element elementor-element-94c1f15 elementor-widget elementor-widget-heading" data-id="94c1f15" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default"> 1702<h3 class="elementor-heading-title elementor-size-default">Email Us</h3> </div> 1703<div class="elementor-element elementor-element-ff0f1ec elementor-widget elementor-widget-text-editor" data-id="ff0f1ec" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default"> 1704<p>Sometimes a simple email is the way to get things rolling.</p> </div> 1705<div class="elementor-element elementor-element-bfb9c17 elementor-widget elementor-widget-text-editor" data-id="bfb9c17" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default"> 1706<p>Expect a reply from us during our business hours:</p><p><strong>Monday to Friday 8am â 7pm EST</strong></p><p><strong>Saturday 9am â 4pm EST</strong></p><p><strong>Sunday 10am â 5pm EST</strong></p> </div> 1707<div class="elementor-element elementor-element-631cb89 elementor-widget elementor-widget-text-editor" data-id="631cb89" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default"> 1708<p>Click the button below to reach or use our email address:<br /><a href="mailto:[email protected]" data-wplink-edit="true"><span style="text-decoration: underline;"><strong>[email protected]</strong></span></a></p> </div> 1709<div class="elementor-element elementor-element-6957307 elementor-widget elementor-widget-custom-button" data-id="6957307" data-element_type="widget" data-e-type="widget" data-widget_type="custom-button.default"> 1710<div class="elementor-widget-container treefrog-btn"> 1711<a class="btn primary" href="mailto:[email protected]" > 1712<span class="d-center"> 1713<svg xmlns="http://www.w3.org/2000/svg" width="25" height="25" viewBox="0 0 25 25" fill="none"><g clip-path="url(#clip0_2373_35360)"><path d="M12.5078 18.9258H5.50781C4.97738 18.9258 4.46867 18.7151 4.0936 18.34C3.71853 17.9649 3.50781 17.4562 3.50781 16.9258V6.92578C3.50781 6.39535 3.71853 5.88664 4.0936 5.51157C4.46867 5.13649 4.97738 4.92578 5.50781 4.92578H19.5078C20.0382 4.92578 20.547 5.13649 20.922 5.51157C21.2971 5.88664 21.5078 6.39535 21.5078 6.92578V14.4258" stroke="#3A2572" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path><path d="M3.50781 6.92578L12.5078 12.9258L21.5078 6.92578" stroke="#3A2572" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path><path d="M15.5078 18.9258H21.5078" stroke="#3A2572" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path><path d="M18.5078 15.9258L21.5078 18.9258L18.5078 21.9258" stroke="#3A2572" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></g><defs><clipPath id="clip0_2373_35360"><rect width="24" height="24" fill="white" transform="translate(0.507812 0.925781)"></rect></clipPath></defs></svg> <span style="padding-left:10px" >Email Now</span> 1714</span> 1715</a> 1716</div> 1717</div> 1718</div> 1719</div> 1720</div> 1721</div> 1722</div> 1723</div> 1724</div> 1725</div> 1726</div> 1727</div> 1728</div> 1729</div> 1730<div class="elementor-element elementor-element-1dd641c e-con-full e-flex e-con e-child" data-id="1dd641c" data-element_type="container" data-e-type="container"> 1731<div class="elementor-element elementor-element-b164729 elementor-invisible elementor-widget elementor-widget-image" data-id="b164729" data-element_type="widget" data-e-type="widget" data-settings="{"_animation":"slideInUp"}" data-widget_type="image.default"> 1732<picture loading="lazy" decoding="async" class="attachment-full size-full wp-image-1435"> 1733<source type="image/webp" srcset="https://www.spergel.ca/wp-content/uploads/2025/07/blog-judgement-free-zero-pressure.jpg.webp 992w, https://www.spergel.ca/wp-content/uploads/2025/07/blog-judgement-free-zero-pressure-300x253.jpg.webp 300w, https://www.spergel.ca/wp-content/uploads/2025/07/blog-judgement-free-zero-pressure-768x646.jpg.webp 768w" sizes="(max-width: 992px) 100vw, 992px"/> 1734<img onload="Wpfcll.r(this,true);" src="https://www.spergel.ca/wp-content/plugins/wp-fastest-cache-premium/pro/images/blank.gif" decoding="async" width="992" height="835" data-wpfc-original-src="https://www.spergel.ca/wp-content/uploads/2025/07/blog-judgement-free-zero-pressure.jpg" alt="Judgement-Free and Zero Pressure." data-wpfc-original-srcset="https://www.spergel.ca/wp-content/uploads/2025/07/blog-judgement-free-zero-pressure.jpg 992w, https://www.spergel.ca/wp-content/uploads/2025/07/blog-judgement-free-zero-pressure-300x253.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/07/blog-judgement-free-zero-pressure-768x646.jpg 768w" data-wpfc-original-sizes="(max-width: 992px) 100vw, 992px"/> 1735</picture> 1736</div> 1737<div class="elementor-element elementor-element-2ebf52b e-con-full e-flex elementor-invisible e-con e-child" data-id="2ebf52b" data-element_type="container" data-e-type="container" data-settings="{"background_background":"classic","animation":"slideInUp","animation_delay":100}"> 1738<div class="elementor-element elementor-element-bb3516c elementor-widget elementor-widget-heading" data-id="bb3516c" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default"> 1739<h3 class="elementor-heading-title elementor-size-default">Letâs find what works for you</h3>
1739 </div> 1740<div class="elementor-element elementor-element-c2209b4 e-con-full e-flex e-con e-child" data-id="c2209b4" data-element_type="container" data-e-type="container"> 1741<div class="elementor-element elementor-element-2114d12 elementor-widget elementor-widget-text-editor" data-id="2114d12" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default"> 1742<p>Busy Schedule? Book a Date/Time:</p> </div> 1743<div class="elementor-element elementor-element-fc32601 elementor-widget elementor-widget-custom-button" data-id="fc32601" data-element_type="widget" data-e-type="widget" data-widget_type="custom-button.default"> 1744<div class="elementor-widget-container treefrog-btn"> 1745<a class="btn primary" href="#tab-date-time" > 1746<span class="d-center"> 1747<span style="padding-right:10px" >Use Our Calendar</span> 1748<span class="fas fa-arrow-right"></span> </span> 1749</a> 1750</div> 1751</div> 1752</div> 1753<div class="elementor-element elementor-element-5079bf8 e-con-full e-flex e-con e-child" data-id="5079bf8" data-element_type="container" data-e-type="container"> 1754<div class="elementor-element elementor-element-68cc4d6 elementor-widget elementor-widget-text-editor" data-id="68cc4d6" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default"> 1755<p>Prefer to Call? Reach Us Here (Toll Free):</p> </div> 1756<div class="elementor-element elementor-element-d9dd5af elementor-widget elementor-widget-custom-button" data-id="d9dd5af" data-element_type="widget" data-e-type="widget" data-widget_type="custom-button.default"> 1757<div class="elementor-widget-container treefrog-btn"> 1758<a class="btn outline" href="tel:+18775014321" > 1759<span class="d-center"> 1760<span style="padding-right:10px" >1-(877)-501-4321</span> 1761<span class="fas fa-arrow-right"></span> </span> 1762</a> 1763</div> 1764</div> 1765</div> 1766</div> 1767</div> 1768</div> 1769</div> 1770</div> 1771<div class="elementor-element elementor-element-b754512 pb-5 pb-lg-6 e-flex e-con-boxed e-con e-parent" data-id="b754512" data-element_type="container" data-e-type="container" data-settings="{"background_background":"classic"}"> 1772<div class="e-con-inner"> 1773<div class="elementor-element elementor-element-dda708e e-con-full e-flex e-con e-child" data-id="dda708e" data-element_type="container" data-e-type="container"> 1774<div class="elementor-element elementor-element-bb87d50 uncase elementor-widget elementor-widget-heading" data-id="bb87d50" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default"> 1775<h2 class="elementor-heading-title elementor-size-default">Find a Spergel office near you</h2> </div> 1776<div class="elementor-element elementor-element-53aadd8 elementor-widget elementor-widget-text-editor" data-id="53aadd8" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default"> 1777<p>Use the map to find a Spergel office near you and connect with a Licensed Insolvency Trustee.</p> </div> 1778<div class="elementor-element elementor-element-1872840 elementor-widget elementor-widget-custom-button" data-id="1872840" data-element_type="widget" data-e-type="widget" data-widget_type="custom-button.default"> 1779<div class="elementor-widget-container treefrog-btn"> 1780<a class="btn outline" href="/locations/" > 1781<span class="d-center"> 1782<svg xmlns="http://www.w3.org/2000/svg" width="25" height="25" viewBox="0 0 25 25" fill="none"><path d="M8.59766 21.5645H20.9977C21.3291 21.5645 21.5977 21.2959 21.5977 20.9645V4.16445C21.5977 3.83308 21.3291 3.56445 20.9977 3.56445H4.19766C3.86629 3.56445 3.59766 3.83308 3.59766 4.16445V16.5645" stroke="#3A2572" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round"></path><path d="M12.5977 12.5645H8.59766M4.09766 21.0645L12.5977 12.5645L4.09766 21.0645ZM12.5977 12.5645V16.5645V12.5645Z" stroke="#3A2572" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round"></path></svg> <span style="padding-left:10px" >Office Locations</span> 1783</span> 1784</a> 1785</div> 1786</div> 1787</div> 1788</div> 1789</div> 1790<div class="elementor-element elementor-element-ec4c938 py-5 py-lg-6 e-flex e-con-boxed e-con e-parent" data-id="ec4c938" data-element_type="container" data-e-type="container" data-settings="{"background_background":"classic"}"> 1791<div class="e-con-inner"> 1792<div class="elementor-element elementor-element-4f59ba8 e-con-full e-flex e-con e-child" data-id="4f59ba8" data-element_type="container" data-e-type="container"> 1793<div class="elementor-element elementor-element-1fb80bd elementor-widget elementor-widget-heading" data-id="1fb80bd" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default"> 1794<h2 class="elementor-heading-title elementor-size-default">Get Informed, Feel Empowered</h2> </div> 1795<div class="elementor-element elementor-element-0931ebf elementor-widget elementor-widget-text-editor" data-id="0931ebf" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default"> 1796<p>Money Tips, Tools & Trackers, Research, Articles, Media and More!</p> </div> 1797</div> 1798<div class="elementor-element elementor-element-d821bfc elementor-widget elementor-widget-shortcode" data-id="d821bfc" data-element_type="widget" data-e-type="widget" data-widget_type="shortcode.default"> 1799<div class="elementor-shortcode"><div class="recentposts-container ss"><article 1800class="post-17954 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-spergel-surveys topics-cost-of-living ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-17954" itemtype="https://schema.org/CreativeWork" itemscope="itemscope"> 1801<div class="ast-post-format- blog-layout-4 ast-article-inner ast-no-date-box"> 1802<div class="post-content ast-grid-common-col" > 1803<div class="type-tag"><span>Spergel Surveys</span></div> <div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/tariffs-jobs-household-debt-canad
1803a/" aria-label="Read: U.S. tariffs, jobs, and household debt in Canada: 2026 survey findings" ><picture loading="lazy" decoding="async" class="attachment-large size-large wp-post-image" itemprop="image"> 1804<source type="image/webp" srcset="https://www.spergel.ca/wp-content/uploads/2026/09/TariffsStock_877790772-1024x574.jpeg.webp 1024w, https://www.spergel.ca/wp-content/uploads/2026/09/TariffsStock_877790772-300x168.jpeg.webp 300w, https://www.spergel.ca/wp-content/uploads/2026/09/TariffsStock_877790772-768x430.jpeg.webp 768w, https://www.spergel.ca/wp-content/uploads/2026/09/TariffsStock_877790772-1536x861.jpeg.webp 1536w, https://www.spergel.ca/wp-content/uploads/2026/09/TariffsStock_877790772-2048x1148.jpeg.webp 2048w" sizes="(max-width: 1024px) 100vw, 1024px"/> 1805<img onload="Wpfcll.r(this,true);" src="https://www.spergel.ca/wp-content/plugins/wp-fastest-cache-premium/pro/images/blank.gif" decoding="async" width="1024" height="574" data-wpfc-original-src="https://www.spergel.ca/wp-content/uploads/2026/09/TariffsStock_877790772-1024x574.jpeg" alt="blank" itemprop="image" data-wpfc-original-srcset="https://www.spergel.ca/wp-content/uploads/2026/09/TariffsStock_877790772-1024x574.jpeg 1024w, https://www.spergel.ca/wp-content/uploads/2026/09/TariffsStock_877790772-300x168.jpeg 300w, https://www.spergel.ca/wp-content/uploads/2026/09/TariffsStock_877790772-768x430.jpeg 768w, https://www.spergel.ca/wp-content/uploads/2026/09/TariffsStock_877790772-1536x861.jpeg 1536w, https://www.spergel.ca/wp-content/uploads/2026/09/TariffsStock_877790772-2048x1148.jpeg 2048w" data-wpfc-original-sizes="(max-width: 1024px) 100vw, 1024px"/> 1806</picture> 1807</a></div></div> <header class="entry-header ast-blog-single-element ast-blog-meta-container"> 1808<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> September 30 / 2026 </span></span></div> </header><!-- .entry-header --> 1809<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/tariffs-jobs-household-debt-canada/" rel="bookmark">U.S. tariffs, jobs, and household debt in Canada: 2026 survey findings</a></h2> <div class="ast-excerpt-container ast-blog-single-element"> 1810<p>Tariffs are often discussed in terms of trade and jobs. Spergelâs new 2026 survey brings the focus closer to home: respondents reported lower employment income, greater reliance on credit, and rising household debt amid U.S. trade disruption. Many are still making payments even as their finances become harder to manage.</p> 1811</div> 1812<div class="entry-content clear"> 1813<a class="read-more" href="https://www.spergel.ca/learning-centre/tariffs-jobs-household-debt-canada/"> 1814<span class="d-center"> 1815<svg xmlns="http://www.w3.org/2000/svg" width="25" height="25" viewBox="0 0 25 25" fill="none"><path d="M8.59766 21.5645H20.9977C21.3291 21.5645 21.5977 21.2959 21.5977 20.9645V4.16445C21.5977 3.83308 21.3291 3.56445 20.9977 3.56445H4.19766C3.86629 3.56445 3.59766 3.83308 3.59766 4.16445V16.5645" stroke="#3A2572" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round"></path><path d="M12.5977 12.5645H8.59766M4.09766 21.0645L12.5977 12.5645L4.09766 21.0645ZM12.5977 12.5645V16.5645V12.5645Z" stroke="#3A2572" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round"></path></svg> 1816<span class="read-more-text">Overview</span> 1817</span> 1818</a> 1819</div><!-- .entry-content .clear --> 1820</div><!-- .post-content --> 1821</div> <!-- .blog-layout-4 --> 1822</article><!-- #post-## --> 1823<article 1824class="post-7973 post type-post status-publish format-standard has-post-thumbnail hentry category-general debt_help_solution-personal-bankruptcy content_type-articles ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-7973" itemtype="https://schema.org/CreativeWork" itemscope="itemscope"> 1825<div class="ast-post-format- blog-layout-4 ast-article-inner ast-no-date-box"> 1826<div class="post-content ast-grid-common-col" > 1827<div class="type-tag"><span>Articles & Insights</span></div> <div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/filing-for-bankruptcy-with-no-assets-what-happens/" aria-label="Read: Filing for bankruptcy with no assets in Canada – what happens?" ><picture loading="lazy" decoding="async" class="attachment-large size-large wp-post-image" itemprop="image"> 1828<source type="image/webp" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/sasun-bughdaryan-dvKPIykMWJc-unsplash-scaled-1-1024x683.jpg.webp 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/sasun-bughdaryan-dvKPIykMWJc-unsplash-scaled-1-300x200.jpg.webp 300w, https://www.spergel.ca/wp-content/uploads/2025/08/sasun-bughdaryan-dvKPIykMWJc-unsplash-scaled-1-768x512.jpg.webp 768w, https://www.spergel.ca/wp-content/uploads/2025/08/sasun-bughdaryan-dvKPIykMWJc-unsplash-scaled-1-1536x1024.jpg.webp 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/sasun-bughdaryan-dvKPIykMWJc-unsplash-scaled-1-2048x1366.jpg.webp 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/sasun-bughdaryan-dvKPIykMWJc-unsplash-scaled-1.jpg.webp 1920w" sizes="(max-width: 1024px) 100vw, 1024px"/> 1829<img onload="Wpfcll.r(this,true);" src="https://www.spergel.ca/wp-content/plugins/wp-fastest-cache-premium/pro/images/blank.gif" decoding="async" width="1024" height="683" data-wpfc-original-src="https://www.spergel.ca/wp-content/uploads/2025/08/sasun-bughdaryan-dvKPIykMWJc-unsplash-scaled-1-1024x683.jpg" alt="Filing for bankruptcy with no assets - what happens?" itemprop="image" data-wpfc-original-srcset="https://www.spergel.ca/wp-content/uploads/2025/08/sasun-bughdaryan-dvKPIykMWJc-unsplash-scaled-1-1024x683.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/sasun-bughdaryan-dvKPIykMWJc-unsplash-scaled-1-300x200.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/sasun-bughdaryan-dvKPIykMWJc-unsplash-scaled-1-768x512.jpg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/sasun-bughdaryan-dvKPIykMWJc-unsplash-scaled-1-1536x1024.jpg 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/sasun-bughdaryan-dvKPIykMWJc-unsplash-scaled-1-2048x1366.jpg 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/sasun-bughdaryan-dvKPIykMWJc-unsplash-scaled-1.jpg 1920w" data-wpfc-original-sizes="(max-width: 1024px) 100vw, 1024px"/> 1830</picture> 1831</a></div></div> <header class="entry-header ast-blog-single-element ast-blog-meta-container"> 1832<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished">
1832 September 23 / 2026 </span></span></div> </header><!-- .entry-header --> 1833<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/filing-for-bankruptcy-with-no-assets-what-happens/" rel="bookmark">Filing for bankruptcy with no assets in Canada – what happens?</a></h2> <div class="ast-excerpt-container ast-blog-single-element"> 1834<p>Yes, you can file for personal bankruptcy in Canada even if you have no assets to sell. A Licensed Insolvency Trustee (LIT) will review your debts, income and property, explain what you can keep, and file the paperwork if bankruptcy is right for you. </p> 1835</div> 1836<div class="entry-content clear"> 1837<a class="read-more" href="https://www.spergel.ca/learning-centre/filing-for-bankruptcy-with-no-assets-what-happens/"> 1838<span class="d-center"> 1839<svg xmlns="http://www.w3.org/2000/svg" width="25" height="25" viewBox="0 0 25 25" fill="none"><path d="M8.59766 21.5645H20.9977C21.3291 21.5645 21.5977 21.2959 21.5977 20.9645V4.16445C21.5977 3.83308 21.3291 3.56445 20.9977 3.56445H4.19766C3.86629 3.56445 3.59766 3.83308 3.59766 4.16445V16.5645" stroke="#3A2572" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round"></path><path d="M12.5977 12.5645H8.59766M4.09766 21.0645L12.5977 12.5645L4.09766 21.0645ZM12.5977 12.5645V16.5645V12.5645Z" stroke="#3A2572" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round"></path></svg> 1840<span class="read-more-text">Overview</span> 1841</span> 1842</a> 1843</div><!-- .entry-content .clear --> 1844</div><!-- .post-content --> 1845</div> <!-- .blog-layout-4 --> 1846</article><!-- #post-## --> 1847<article 1848class="post-17748 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-17748" itemtype="https://schema.org/CreativeWork" itemscope="itemscope"> 1849<div class="ast-post-format- blog-layout-4 ast-article-inner ast-no-date-box"> 1850<div class="post-content ast-grid-common-col" > 1851<div class="type-tag"><span>Articles & Insights</span></div> <div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/frequently-asked-questions/" aria-label="Read: Frequently Asked Questions (FAQs)" ><picture loading="lazy" decoding="async" class="attachment-large size-large wp-post-image" itemprop="image"> 1852<source type="image/webp" srcset="https://www.spergel.ca/wp-content/uploads/2026/09/FAQ_330528327-1024x669.jpeg.webp 1024w, https://www.spergel.ca/wp-content/uploads/2026/09/FAQ_330528327-300x196.jpeg.webp 300w, https://www.spergel.ca/wp-content/uploads/2026/09/FAQ_330528327-768x502.jpeg.webp 768w, https://www.spergel.ca/wp-content/uploads/2026/09/FAQ_330528327-1536x1003.jpeg.webp 1536w, https://www.spergel.ca/wp-content/uploads/2026/09/FAQ_330528327-2048x1338.jpeg.webp 2048w" sizes="(max-width: 1024px) 100vw, 1024px"/> 1853<img onload="Wpfcll.r(this,true);" src="https://www.spergel.ca/wp-content/plugins/wp-fastest-cache-premium/pro/images/blank.gif" decoding="async" width="1024" height="669" data-wpfc-original-src="https://www.spergel.ca/wp-content/uploads/2026/09/FAQ_330528327-1024x669.jpeg" alt="blank" itemprop="image" data-wpfc-original-srcset="https://www.spergel.ca/wp-content/uploads/2026/09/FAQ_330528327-1024x669.jpeg 1024w, https://www.spergel.ca/wp-content/uploads/2026/09/FAQ_330528327-300x196.jpeg 300w, https://www.spergel.ca/wp-content/uploads/2026/09/FAQ_330528327-768x502.jpeg 768w, https://www.spergel.ca/wp-content/uploads/2026/09/FAQ_330528327-1536x1003.jpeg 1536w, https://www.spergel.ca/wp-content/uploads/2026/09/FAQ_330528327-2048x1338.jpeg 2048w" data-wpfc-original-sizes="(max-width: 1024px) 100vw, 1024px"/> 1854</picture> 1855</a></div></div> <header class="entry-header ast-blog-single-element ast-blog-meta-container"> 1856<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished">
1856 September 21 / 2026 </span></span></div> </header><!-- .entry-header --> 1857<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/frequently-asked-questions/" rel="bookmark">Frequently Asked Questions (FAQs)</a></h2> <div class="ast-excerpt-container ast-blog-single-element"> 1858<p>Eligibility and Debt What debts can be included in a consumer proposal? Most unsecured debts qualify, including credit cards, lines</p> 1859</div> 1860<div class="entry-content clear"> 1861<a class="read-more" href="https://www.spergel.ca/learning-centre/frequently-asked-questions/"> 1862<span class="d-center"> 1863<svg xmlns="http://www.w3.org/2000/svg" width="25" height="25" viewBox="0 0 25 25" fill="none"><path d="M8.59766 21.5645H20.9977C21.3291 21.5645 21.5977 21.2959 21.5977 20.9645V4.16445C21.5977 3.83308 21.3291 3.56445 20.9977 3.56445H4.19766C3.86629 3.56445 3.59766 3.83308 3.59766 4.16445V16.5645" stroke="#3A2572" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round"></path><path d="M12.5977 12.5645H8.59766M4.09766 21.0645L12.5977 12.5645L4.09766 21.0645ZM12.5977 12.5645V16.5645V12.5645Z" stroke="#3A2572" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round"></path></svg> 1864<span class="read-more-text">Overview</span> 1865</span> 1866</a> 1867</div><!-- .entry-content .clear --> 1868</div><!-- .post-content --> 1869</div> <!-- .blog-layout-4 --> 1870</article><!-- #post-## --> 1871<article 1872class="post-17377 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-spergel-surveys topics-mental-health ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-17377" itemtype="https://schema.org/CreativeWork" itemscope="itemscope"> 1873<div class="ast-post-format- blog-layout-4 ast-article-inner ast-no-date-box"> 1874<div class="post-content ast-grid-common-col" > 1875<div class="type-tag"><span>Spergel Surveys</span></div> <div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/debt-and-mental-health-canada/" aria-label="Read: The Emotional Toll of Debt" ><picture loading="lazy" decoding="async" class="attachment-large size-large wp-post-image" itemprop="image"> 1876<source type="image/webp" srcset="https://www.spergel.ca/wp-content/uploads/2026/08/surplus-income-limits-bankruptcy-3-1024x534.png.webp 1024w, https://www.spergel.ca/wp-content/uploads/2026/08/surplus-income-limits-bankruptcy-3-300x156.png.webp 300w, https://www.spergel.ca/wp-content/uploads/2026/08/surplus-income-limits-bankruptcy-3-768x400.png.webp 768w, https://www.spergel.ca/wp-content/uploads/2026/08/surplus-income-limits-bankruptcy-3-1536x800.png.webp 1536w, https://www.spergel.ca/wp-content/uploads/2026/08/surplus-income-limits-bankruptcy-3.png.webp 2046w" sizes="(max-width: 1024px) 100vw, 1024px"/> 1877<img onload="Wpfcll.r(this,true);" src="https://www.spergel.ca/wp-content/plugins/wp-fastest-cache-premium/pro/images/blank.gif" decoding="async" width="1024" height="534" data-wpfc-original-src="https://www.spergel.ca/wp-content/uploads/2026/08/surplus-income-limits-bankruptcy-3-1024x534.png" alt="blank" itemprop="image" data-wpfc-original-srcset="https://www.spergel.ca/wp-content/uploads/2026/08/surplus-income-limits-bankruptcy-3-1024x534.png 1024w, https://www.spergel.ca/wp-content/uploads/2026/08/surplus-income-limits-bankruptcy-3-300x156.png 300w, https://www.spergel.ca/wp-content/uploads/2026/08/surplus-income-limits-bankruptcy-3-768x400.png 768w, https://www.spergel.ca/wp-content/uploads/2026/08/surplus-income-limits-bankruptcy-3-1536x800.png 1536w, https://www.spergel.ca/wp-content/uploads/2026/08/surplus-income-limits-bankruptcy-3.png 2046w" data-wpfc-original-sizes="(max-width: 1024px) 100vw, 1024px"/> 1878</picture> 1879</a></div></div> <header class="entry-header ast-blog-single-element ast-blog-meta-container"> 1880<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished">
1880 August 27 / 2026 </span></span></div> </header><!-- .entry-header --> 1881<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/debt-and-mental-health-canada/" rel="bookmark">The Emotional Toll of Debt</a></h2> <div class="ast-excerpt-container ast-blog-single-element"> 1882<p>Spergelâs 3rd Annual Study explores the relationship between debt and mental health in Canada, including how financial stress affects Canadiansâ wellbeing, relationships, and daily lives – and why many delay seeking help even when their debt has become overwhelming.</p> 1883</div> 1884<div class="entry-content clear"> 1885<a class="read-more" href="https://www.spergel.ca/learning-centre/debt-and-mental-health-canada/"> 1886<span class="d-center"> 1887<svg xmlns="http://www.w3.org/2000/svg" width="25" height="25" viewBox="0 0 25 25" fill="none"><path d="M8.59766 21.5645H20.9977C21.3291 21.5645 21.5977 21.2959 21.5977 20.9645V4.16445C21.5977 3.83308 21.3291 3.56445 20.9977 3.56445H4.19766C3.86629 3.56445 3.59766 3.83308 3.59766 4.16445V16.5645" stroke="#3A2572" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round"></path><path d="M12.5977 12.5645H8.59766M4.09766 21.0645L12.5977 12.5645L4.09766 21.0645ZM12.5977 12.5645V16.5645V12.5645Z" stroke="#3A2572" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round"></path></svg> 1888<span class="read-more-text">Overview</span> 1889</span> 1890</a> 1891</div><!-- .entry-content .clear --> 1892</div><!-- .post-content --> 1893</div> <!-- .blog-layout-4 --> 1894</article><!-- #post-## --> 1895<article 1896class="post-7901 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-spergel-surveys topics-cost-of-living ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-7901" itemtype="https://schema.org/CreativeWork" itemscope="itemscope"> 1897<div class="ast-post-format- blog-layout-4 ast-article-inner ast-no-date-box"> 1898<div class="post-content ast-grid-common-col" > 1899<div class="type-tag"><span>Spergel Surveys</span></div> <div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/cost-of-getting-by-canada-survey/" aria-label="Read: The Cost of Getting By in Canada: 2026 survey findings" ><picture loading="lazy" decoding="async" class="attachment-large size-large wp-post-image" itemprop="image"> 1900<source type="image/webp" srcset="https://www.spergel.ca/wp-content/uploads/2026/08/Empty_wallet_284962781-1024x684.jpeg.webp 1024w, https://www.spergel.ca/wp-content/uploads/2026/08/Empty_wallet_284962781-300x200.jpeg.webp 300w, https://www.spergel.ca/wp-content/uploads/2026/08/Empty_wallet_284962781-768x513.jpeg.webp 768w, https://www.spergel.ca/wp-content/uploads/2026/08/Empty_wallet_284962781-1536x1025.jpeg.webp 1536w, https://www.spergel.ca/wp-content/uploads/2026/08/Empty_wallet_284962781-2048x1367.jpeg.webp 2048w" sizes="(max-width: 1024px) 100vw, 1024px"/> 1901<img onload="Wpfcll.r(this,true);" src="https://www.spergel.ca/wp-content/plugins/wp-fastest-cache-premium/pro/images/blank.gif" decoding="async" width="1024" height="684" data-wpfc-original-src="https://www.spergel.ca/wp-content/uploads/2026/08/Empty_wallet_284962781-1024x684.jpeg" alt="blank" itemprop="image" data-wpfc-original-srcset="https://www.spergel.ca/wp-content/uploads/2026/08/Empty_wallet_284962781-1024x684.jpeg 1024w, https://www.spergel.ca/wp-content/uploads/2026/08/Empty_wallet_284962781-300x200.jpeg 300w, https://www.spergel.ca/wp-content/uploads/2026/08/Empty_wallet_284962781-768x513.jpeg 768w, https://www.spergel.ca/wp-content/uploads/2026/08/Empty_wallet_284962781-1536x1025.jpeg 1536w, https://www.spergel.ca/wp-content/uploads/2026/08/Empty_wallet_284962781-2048x1367.jpeg 2048w" data-wpfc-original-sizes="(max-width: 1024px) 100vw, 1024px"/> 1902</picture> 1903</a></div></div> <header class="entry-header ast-blog-single-element ast-blog-meta-container"> 1904<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished">
1904 August 21 / 2026 </span></span></div> </header><!-- .entry-header --> 1905<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/cost-of-getting-by-canada-survey/" rel="bookmark">The Cost of Getting By in Canada: 2026 survey findings</a></h2> <div class="ast-excerpt-container ast-blog-single-element"> 1906<p>For many people, getting by in Canada increasingly means using debt or savings to pay for ordinary life.</p> 1907</div> 1908<div class="entry-content clear"> 1909<a class="read-more" href="https://www.spergel.ca/learning-centre/cost-of-getting-by-canada-survey/"> 1910<span class="d-center"> 1911<svg xmlns="http://www.w3.org/2000/svg" width="25" height="25" viewBox="0 0 25 25" fill="none"><path d="M8.59766 21.5645H20.9977C21.3291 21.5645 21.5977 21.2959 21.5977 20.9645V4.16445C21.5977 3.83308 21.3291 3.56445 20.9977 3.56445H4.19766C3.86629 3.56445 3.59766 3.83308 3.59766 4.16445V16.5645" stroke="#3A2572" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round"></path><path d="M12.5977 12.5645H8.59766M4.09766 21.0645L12.5977 12.5645L4.09766 21.0645ZM12.5977 12.5645V16.5645V12.5645Z" stroke="#3A2572" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round"></path></svg> 1912<span class="read-more-text">Overview</span> 1913</span> 1914</a> 1915</div><!-- .entry-content .clear --> 1916</div><!-- .post-content --> 1917</div> <!-- .blog-layout-4 --> 1918</article><!-- #post-## --> 1919<article 1920class="post-8710 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles topics-cost-of-living ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-8710" itemtype="https://schema.org/CreativeWork" itemscope="itemscope"> 1921<div class="ast-post-format- blog-layout-4 ast-article-inner ast-no-date-box"> 1922<div class="post-content ast-grid-common-col" > 1923<div class="type-tag"><span>Articles & Insights</span></div> <div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/the-rising-cost-of-groceries/" aria-label="Read: The rising cost of groceries in Canada: the impact on household finances in 2026" ><picture loading="lazy" decoding="async" class="attachment-large size-large wp-post-image" itemprop="image"> 1924<source type="image/webp" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/maria-lin-kim-8RaUEd8zD-U-unsplash-scaled-1-1024x768.jpg.webp 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/maria-lin-kim-8RaUEd8zD-U-unsplash-scaled-1-300x225.jpg.webp 300w, https://www.spergel.ca/wp-content/uploads/2025/08/maria-lin-kim-8RaUEd8zD-U-unsplash-scaled-1-768x576.jpg.webp 768w, https://www.spergel.ca/wp-content/uploads/2025/08/maria-lin-kim-8RaUEd8zD-U-unsplash-scaled-1-1536x1152.jpg.webp 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/maria-lin-kim-8RaUEd8zD-U-unsplash-scaled-1-2048x1536.jpg.webp 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/maria-lin-kim-8RaUEd8zD-U-unsplash-scaled-1-600x450.jpg.webp 600w, https://www.spergel.ca/wp-content/uploads/2025/08/maria-lin-kim-8RaUEd8zD-U-unsplash-scaled-1.jpg.webp 1920w" sizes="(max-width: 1024px) 100vw, 1024px"/> 1925<img onload="Wpfcll.r(this,true);" src="https://www.spergel.ca/wp-content/plugins/wp-fastest-cache-premium/pro/images/blank.gif" decoding="async" width="1024" height="768" data-wpfc-original-src="https://www.spergel.ca/wp-content/uploads/2025/08/maria-lin-kim-8RaUEd8zD-U-unsplash-scaled-1-1024x768.jpg" alt="The rising cost of groceries and how to handle it" itemprop="image" data-wpfc-original-srcset="https://www.spergel.ca/wp-content/uploads/2025/08/maria-lin-kim-8RaUEd8zD-U-unsplash-scaled-1-1024x768.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/maria-lin-kim-8RaUEd8zD-U-unsplash-scaled-1-300x225.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/maria-lin-kim-8RaUEd8zD-U-unsplash-scaled-1-768x576.jpg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/maria-lin-kim-8RaUEd8zD-U-unsplash-scaled-1-1536x1152.jpg 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/maria-lin-kim-8RaUEd8zD-U-unsplash-scaled-1-2048x1536.jpg 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/maria-lin-kim-8RaUEd8zD-U-unsplash-scaled-1-600x450.jpg 600w, https://www.spergel.ca/wp-content/uploads/2025/08/maria-lin-kim-8RaUEd8zD-U-unsplash-scaled-1.jpg 1920w" data-wpfc-original-sizes="(max-width: 1024px) 100vw, 1024px"/> 1926</picture> 1927</a></div></div> <header class="entry-header ast-blog-single-element ast-blog-meta-container"> 1928<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished">
1928 August 18 / 2026 </span></span></div> </header><!-- .entry-header --> 1929<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/the-rising-cost-of-groceries/" rel="bookmark">The rising cost of groceries in Canada: the impact on household finances in 2026</a></h2> <div class="ast-excerpt-container ast-blog-single-element"> 1930<p>Grocery prices in Canada remain a major source of financial pressure for households in 2026.</p> 1931</div> 1932<div class="entry-content clear"> 1933<a class="read-more" href="https://www.spergel.ca/learning-centre/the-rising-cost-of-groceries/"> 1934<span class="d-center"> 1935<svg xmlns="http://www.w3.org/2000/svg" width="25" height="25" viewBox="0 0 25 25" fill="none"><path d="M8.59766 21.5645H20.9977C21.3291 21.5645 21.5977 21.2959 21.5977 20.9645V4.16445C21.5977 3.83308 21.3291 3.56445 20.9977 3.56445H4.19766C3.86629 3.56445 3.59766 3.83308 3.59766 4.16445V16.5645" stroke="#3A2572" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round"></path><path d="M12.5977 12.5645H8.59766M4.09766 21.0645L12.5977 12.5645L4.09766 21.0645ZM12.5977 12.5645V16.5645V12.5645Z" stroke="#3A2572" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round"></path></svg> 1936<span class="read-more-text">Overview</span> 1937</span> 1938</a> 1939</div><!-- .entry-content .clear --> 1940</div><!-- .post-content --> 1941</div> <!-- .blog-layout-4 --> 1942</article><!-- #post-## --> 1943<article 1944class="post-7596 post type-post status-publish format-standard has-post-thumbnail hentry category-general debt_help_solution-consumer-proposal content_type-articles ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-7596" itemtype="https://schema.org/CreativeWork" itemscope="itemscope"> 1945<div class="ast-post-format- blog-layout-4 ast-article-inner ast-no-date-box"> 1946<div class="post-content ast-grid-common-col" > 1947<div class="type-tag"><span>Articles & Insights</span></div> <div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/debt-consolidations-vs-consumer-proposal/" aria-label="Read: Consumer proposal vs debt consolidation: which is better?" ><picture loading="lazy" decoding="async" class="attachment-large size-large wp-post-image" itemprop="image"> 1948<source type="image/webp" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/tezos-Lh3HAnw8RtU-unsplash-scaled-1-1024x681.jpg.webp 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/tezos-Lh3HAnw8RtU-unsplash-scaled-1-300x200.jpg.webp 300w, https://www.spergel.ca/wp-content/uploads/2025/08/tezos-Lh3HAnw8RtU-unsplash-scaled-1-768x511.jpg.webp 768w, https://www.spergel.ca/wp-content/uploads/2025/08/tezos-Lh3HAnw8RtU-unsplash-scaled-1-1536x1022.jpg.webp 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/tezos-Lh3HAnw8RtU-unsplash-scaled-1-2048x1362.jpg.webp 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/tezos-Lh3HAnw8RtU-unsplash-scaled-1.jpg.webp 1920w" sizes="(max-width: 1024px) 100vw, 1024px"/> 1949<img onload="Wpfcll.r(this,true);" src="https://www.spergel.ca/wp-content/plugins/wp-fastest-cache-premium/pro/images/blank.gif" decoding="async" width="1024" height="681" data-wpfc-original-src="https://www.spergel.ca/wp-content/uploads/2025/08/tezos-Lh3HAnw8RtU-unsplash-scaled-1-1024x681.jpg" alt="What is the difference between consumer proposal and debt consolidation?" itemprop="image" data-wpfc-original-srcset="https://www.spergel.ca/wp-content/uploads/2025/08/tezos-Lh3HAnw8RtU-unsplash-scaled-1-1024x681.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/tezos-Lh3HAnw8RtU-unsplash-scaled-1-300x200.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/tezos-Lh3HAnw8RtU-unsplash-scaled-1-768x511.jpg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/tezos-Lh3HAnw8RtU-unsplash-scaled-1-1536x1022.jpg 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/tezos-Lh3HAnw8RtU-unsplash-scaled-1-2048x1362.jpg 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/tezos-Lh3HAnw8RtU-unsplash-scaled-1.jpg 1920w" data-wpfc-original-sizes="(max-width: 1024px) 100vw, 1024px"/> 1950</picture> 1951</a></div></div> <header class="entry-header ast-blog-single-element ast-blog-meta-container"> 1952<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished">
1952 August 18 / 2026 </span></span></div> </header><!-- .entry-header --> 1953<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/debt-consolidations-vs-consumer-proposal/" rel="bookmark">Consumer proposal vs debt consolidation: which is better?</a></h2> <div class="ast-excerpt-container ast-blog-single-element"> 1954<p>If youâre struggling to manage several debts, you may be comparing a consumer proposal vs debt consolidation. Both options can combine multiple debts into one monthly payment, but they work very differently.</p> 1955</div> 1956<div class="entry-content clear"> 1957<a class="read-more" href="https://www.spergel.ca/learning-centre/debt-consolidations-vs-consumer-proposal/"> 1958<span class="d-center"> 1959<svg xmlns="http://www.w3.org/2000/svg" width="25" height="25" viewBox="0 0 25 25" fill="none"><path d="M8.59766 21.5645H20.9977C21.3291 21.5645 21.5977 21.2959 21.5977 20.9645V4.16445C21.5977 3.83308 21.3291 3.56445 20.9977 3.56445H4.19766C3.86629 3.56445 3.59766 3.83308 3.59766 4.16445V16.5645" stroke="#3A2572" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round"></path><path d="M12.5977 12.5645H8.59766M4.09766 21.0645L12.5977 12.5645L4.09766 21.0645ZM12.5977 12.5645V16.5645V12.5645Z" stroke="#3A2572" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round"></path></svg> 1960<span class="read-more-text">Overview</span> 1961</span> 1962</a> 1963</div><!-- .entry-content .clear --> 1964</div><!-- .post-content --> 1965</div> <!-- .blog-layout-4 --> 1966</article><!-- #post-## --> 1967<article 1968class="post-8646 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-8646" itemtype="https://schema.org/CreativeWork" itemscope="itemscope"> 1969<div class="ast-post-format- blog-layout-4 ast-article-inner ast-no-date-box"> 1970<div class="post-content ast-grid-common-col" > 1971<div class="type-tag"><span>Articles & Insights</span></div> <div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/407-etr-debts/" aria-label="Read: 407 ETR debt in Ontario: what happens if you can’t pay? (2026 guide)" ><picture loading="lazy" decoding="async" class="attachment-large size-large wp-post-image" itemprop="image"> 1972<source type="image/webp" srcset="https://www.spergel.ca/wp-content/uploads/2026/07/AdobeStock_1532814275_Editorial_Use_Only-1024x683.jpeg.webp 1024w, https://www.spergel.ca/wp-content/uploads/2026/07/AdobeStock_1532814275_Editorial_Use_Only-300x200.jpeg.webp 300w, https://www.spergel.ca/wp-content/uploads/2026/07/AdobeStock_1532814275_Editorial_Use_Only-768x512.jpeg.webp 768w, https://www.spergel.ca/wp-content/uploads/2026/07/AdobeStock_1532814275_Editorial_Use_Only-1536x1024.jpeg.webp 1536w, https://www.spergel.ca/wp-content/uploads/2026/07/AdobeStock_1532814275_Editorial_Use_Only-2048x1365.jpeg.webp 2048w" sizes="(max-width: 1024px) 100vw, 1024px"/> 1973<img onload="Wpfcll.r(this,true);" src="https://www.spergel.ca/wp-content/plugins/wp-fastest-cache-premium/pro/images/blank.gif" decoding="async" width="1024" height="683" data-wpfc-original-src="https://www.spergel.ca/wp-content/uploads/2026/07/AdobeStock_1532814275_Editorial_Use_Only-1024x683.jpeg" alt="407-etr-img" itemprop="image" data-wpfc-original-srcset="https://www.spergel.ca/wp-content/uploads/2026/07/AdobeStock_1532814275_Editorial_Use_Only-1024x683.jpeg 1024w, https://www.spergel.ca/wp-content/uploads/2026/07/AdobeStock_1532814275_Editorial_Use_Only-300x200.jpeg 300w, https://www.spergel.ca/wp-content/uploads/2026/07/AdobeStock_1532814275_Editorial_Use_Only-768x512.jpeg 768w, https://www.spergel.ca/wp-content/uploads/2026/07/AdobeStock_1532814275_Editorial_Use_Only-1536x1024.jpeg 1536w, https://www.spergel.ca/wp-content/uploads/2026/07/AdobeStock_1532814275_Editorial_Use_Only-2048x1365.jpeg 2048w" data-wpfc-original-sizes="(max-width: 1024px) 100vw, 1024px"/> 1974</picture> 1975</a></div></div> <header class="entry-header ast-blog-single-element ast-blog-meta-container"> 1976<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished">
1976 July 27 / 2026 </span></span></div> </header><!-- .entry-header --> 1977<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/407-etr-debts/" rel="bookmark">407 ETR debt in Ontario: what happens if you can’t pay? (2026 guide)</a></h2> <div class="ast-excerpt-container ast-blog-single-element"> 1978<p>Receiving a large 407 ETR bill can be stressful, especially if you’re already struggling with other debts. Whether you’ve missed a payment, recently discovered years of unpaid tolls, or simply can’t afford the balance, it’s important to know that you have options.</p> 1979</div> 1980<div class="entry-content clear"> 1981<a class="read-more" href="https://www.spergel.ca/learning-centre/407-etr-debts/"> 1982<span class="d-center"> 1983<svg xmlns="http://www.w3.org/2000/svg" width="25" height="25" viewBox="0 0 25 25" fill="none"><path d="M8.59766 21.5645H20.9977C21.3291 21.5645 21.5977 21.2959 21.5977 20.9645V4.16445C21.5977 3.83308 21.3291 3.56445 20.9977 3.56445H4.19766C3.86629 3.56445 3.59766 3.83308 3.59766 4.16445V16.5645" stroke="#3A2572" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round"></path><path d="M12.5977 12.5645H8.59766M4.09766 21.0645L12.5977 12.5645L4.09766 21.0645ZM12.5977 12.5645V16.5645V12.5645Z" stroke="#3A2572" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round"></path></svg> 1984<span class="read-more-text">Overview</span> 1985</span> 1986</a> 1987</div><!-- .entry-content .clear --> 1988</div><!-- .post-content --> 1989</div> <!-- .blog-layout-4 --> 1990</article><!-- #post-## --> 1991<article 1992class="post-8256 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles topics-legal-process ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-8256" itemtype="https://schema.org/CreativeWork" itemscope="itemscope"> 1993<div class="ast-post-format- blog-layout-4 ast-article-inner ast-no-date-box"> 1994<div class="post-content ast-grid-common-col" > 1995<div class="type-tag"><span>Articles & Insights</span></div> <div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/what-if-i-cant-pay-back-cerb/" aria-label="Read: Received a CERB repayment notice? Here’s what to do if you can’t afford it" ><picture loading="lazy" decoding="async" class="attachment-large size-large wp-post-image" itemprop="image"> 1996<source type="image/webp" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/mche-lee-TJ6WwZsC9ic-unsplash-scaled-1-1024x683.jpg.webp 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/mche-lee-TJ6WwZsC9ic-unsplash-scaled-1-300x200.jpg.webp 300w, https://www.spergel.ca/wp-content/uploads/2025/08/mche-lee-TJ6WwZsC9ic-unsplash-scaled-1-768x512.jpg.webp 768w, https://www.spergel.ca/wp-content/uploads/2025/08/mche-lee-TJ6WwZsC9ic-unsplash-scaled-1-1536x1024.jpg.webp 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/mche-lee-TJ6WwZsC9ic-unsplash-scaled-1-2048x1366.jpg.webp 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/mche-lee-TJ6WwZsC9ic-unsplash-scaled-1.jpg.webp 1920w" sizes="(max-width: 1024px) 100vw, 1024px"/> 1997<img onload="Wpfcll.r(this,true);" src="https://www.spergel.ca/wp-content/plugins/wp-fastest-cache-premium/pro/images/blank.gif" decoding="async" width="1024" height="683" data-wpfc-original-src="https://www.spergel.ca/wp-content/uploads/2025/08/mche-lee-TJ6WwZsC9ic-unsplash-scaled-1-1024x683.jpg" alt="CERB repayment: what if I canât afford it?" itemprop="image" data-wpfc-original-srcset="https://www.spergel.ca/wp-content/uploads/2025/08/mche-lee-TJ6WwZsC9ic-unsplash-scaled-1-1024x683.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/mche-lee-TJ6WwZsC9ic-unsplash-scaled-1-300x200.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/mche-lee-TJ6WwZsC9ic-unsplash-scaled-1-768x512.jpg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/mche-lee-TJ6WwZsC9ic-unsplash-scaled-1-1536x1024.jpg 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/mche-lee-TJ6WwZsC9ic-unsplash-scaled-1-2048x1366.jpg 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/mche-lee-TJ6WwZsC9ic-unsplash-scaled-1.jpg 1920w" data-wpfc-original-sizes="(max-width: 1024px) 100vw, 1024px"/> 1998</picture> 1999</a></div></div> <header class="entry-header ast-blog-single-element ast-blog-meta-container"> 2000<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished">
2000 July 27 / 2026 </span></span></div> </header><!-- .entry-header --> 2001<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/what-if-i-cant-pay-back-cerb/" rel="bookmark">Received a CERB repayment notice? Here’s what to do if you can’t afford it</a></h2> <div class="ast-excerpt-container ast-blog-single-element"> 2002<p>Although the Canada Emergency Response Benefit (CERB) ended in 2020, some Canadians are still being asked by the Canada Revenue Agency (CRA) to repay benefits after eligibility reviews.</p> 2003</div> 2004<div class="entry-content clear"> 2005<a class="read-more" href="https://www.spergel.ca/learning-centre/what-if-i-cant-pay-back-cerb/"> 2006<span class="d-center"> 2007<svg xmlns="http://www.w3.org/2000/svg" width="25" height="25" viewBox="0 0 25 25" fill="none"><path d="M8.59766 21.5645H20.9977C21.3291 21.5645 21.5977 21.2959 21.5977 20.9645V4.16445C21.5977 3.83308 21.3291 3.56445 20.9977 3.56445H4.19766C3.86629 3.56445 3.59766 3.83308 3.59766 4.16445V16.5645" stroke="#3A2572" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round"></path><path d="M12.5977 12.5645H8.59766M4.09766 21.0645L12.5977 12.5645L4.09766 21.0645ZM12.5977 12.5645V16.5645V12.5645Z" stroke="#3A2572" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round"></path></svg> 2008<span class="read-more-text">Overview</span> 2009</span> 2010</a> 2011</div><!-- .entry-content .clear --> 2012</div><!-- .post-content --> 2013</div> <!-- .blog-layout-4 --> 2014</article><!-- #post-## --> 2015<article 2016class="post-8262 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles debt_types-collection-calls topics-rebuilding-credit ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-8262" itemtype="https://schema.org/CreativeWork" itemscope="itemscope"> 2017<div class="ast-post-format- blog-layout-4 ast-article-inner ast-no-date-box"> 2018<div class="post-content ast-grid-common-col" > 2019<div class="type-tag"><span>Articles & Insights</span></div> <div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/remove-collections-from-credit-report-in-canada/" aria-label="Read: How to remove collections from your credit report in Canada (2026)" ><picture loading="lazy" decoding="async" class="attachment-large size-large wp-post-image" itemprop="image"> 2020<source type="image/webp" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/glenn-carstens-peters-npxXWgQ33ZQ-unsplash-scaled-1-1024x681.jpg.webp 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/glenn-carstens-peters-npxXWgQ33ZQ-unsplash-scaled-1-300x200.jpg.webp 300w, https://www.spergel.ca/wp-content/uploads/2025/08/glenn-carstens-peters-npxXWgQ33ZQ-unsplash-scaled-1-768x511.jpg.webp 768w, https://www.spergel.ca/wp-content/uploads/2025/08/glenn-carstens-peters-npxXWgQ33ZQ-unsplash-scaled-1-1536x1022.jpg.webp 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/glenn-carstens-peters-npxXWgQ33ZQ-unsplash-scaled-1-2048x1362.jpg.webp 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/glenn-carstens-peters-npxXWgQ33ZQ-unsplash-scaled-1.jpg.webp 1920w" sizes="(max-width: 1024px) 100vw, 1024px"/> 2021<img onload="Wpfcll.r(this,true);" src="https://www.spergel.ca/wp-content/plugins/wp-fastest-cache-premium/pro/images/blank.gif" decoding="async" width="1024" height="681" data-wpfc-original-src="https://www.spergel.ca/wp-content/uploads/2025/08/glenn-carstens-peters-npxXWgQ33ZQ-unsplash-scaled-1-1024x681.jpg" alt="Remove collections from credit report in Canada: a how-to guide" itemprop="image" data-wpfc-original-srcset="https://www.spergel.ca/wp-content/uploads/2025/08/glenn-carstens-peters-npxXWgQ33ZQ-unsplash-scaled-1-1024x681.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/glenn-carstens-peters-npxXWgQ33ZQ-unsplash-scaled-1-300x200.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/glenn-carstens-peters-npxXWgQ33ZQ-unsplash-scaled-1-768x511.jpg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/glenn-carstens-peters-npxXWgQ33ZQ-unsplash-scaled-1-1536x1022.jpg 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/glenn-carstens-peters-npxXWgQ33ZQ-unsplash-scaled-1-2048x1362.jpg 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/glenn-carstens-peters-npxXWgQ33ZQ-unsplash-scaled-1.jpg 1920w" data-wpfc-original-sizes="(max-width: 1024px) 100vw, 1024px"/> 2022</picture> 2023</a></div></div> <header class="entry-header ast-blog-single-element ast-blog-meta-container"> 2024<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished">
2024 June 17 / 2026 </span></span></div> </header><!-- .entry-header --> 2025<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/remove-collections-from-credit-report-in-canada/" rel="bookmark">How to remove collections from your credit report in Canada (2026)</a></h2> <div class="ast-excerpt-container ast-blog-single-element"> 2026<p>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.</p> 2027</div> 2028<div class="entry-content clear"> 2029<a class="read-more" href="https://www.spergel.ca/learning-centre/remove-collections-from-credit-report-in-canada/"> 2030<span class="d-center"> 2031<svg xmlns="http://www.w3.org/2000/svg" width="25" height="25" viewBox="0 0 25 25" fill="none"><path d="M8.59766 21.5645H20.9977C21.3291 21.5645 21.5977 21.2959 21.5977 20.9645V4.16445C21.5977 3.83308 21.3291 3.56445 20.9977 3.56445H4.19766C3.86629 3.56445 3.59766 3.83308 3.59766 4.16445V16.5645" stroke="#3A2572" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round"></path><path d="M12.5977 12.5645H8.59766M4.09766 21.0645L12.5977 12.5645L4.09766 21.0645ZM12.5977 12.5645V16.5645V12.5645Z" stroke="#3A2572" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round"></path></svg> 2032<span class="read-more-text">Overview</span> 2033</span> 2034</a> 2035</div><!-- .entry-content .clear --> 2036</div><!-- .post-content --> 2037</div> <!-- .blog-layout-4 --> 2038</article><!-- #post-## --> 2039<article 2040class="post-8774 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles topics-cost-of-living ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-8774" itemtype="https://schema.org/CreativeWork" itemscope="itemscope"> 2041<div class="ast-post-format- blog-layout-4 ast-article-inner ast-no-date-box"> 2042<div class="post-content ast-grid-common-col" > 2043<div class="type-tag"><span>Articles & Insights</span></div> <div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/how-to-save-money-on-groceries/" aria-label="Read: How to save money on groceries in Canada: 10 practical tips" ><picture loading="lazy" decoding="async" class="attachment-large size-large wp-post-image" itemprop="image"> 2044<source type="image/webp" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/pexels-karolina-grabowska-5650045-scaled-1-1024x683.jpg.webp 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/pexels-karolina-grabowska-5650045-scaled-1-300x200.jpg.webp 300w, https://www.spergel.ca/wp-content/uploads/2025/08/pexels-karolina-grabowska-5650045-scaled-1-768x512.jpg.webp 768w, https://www.spergel.ca/wp-content/uploads/2025/08/pexels-karolina-grabowska-5650045-scaled-1-1536x1024.jpg.webp 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/pexels-karolina-grabowska-5650045-scaled-1-2048x1366.jpg.webp 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/pexels-karolina-grabowska-5650045-scaled-1.jpg.webp 1920w" sizes="(max-width: 1024px) 100vw, 1024px"/> 2045<img onload="Wpfcll.r(this,true);" src="https://www.spergel.ca/wp-content/plugins/wp-fastest-cache-premium/pro/images/blank.gif" decoding="async" width="1024" height="683" data-wpfc-original-src="https://www.spergel.ca/wp-content/uploads/2025/08/pexels-karolina-grabowska-5650045-scaled-1-1024x683.jpg" alt="How to save money on groceries" itemprop="image" data-wpfc-original-srcset="https://www.spergel.ca/wp-content/uploads/2025/08/pexels-karolina-grabowska-5650045-scaled-1-1024x683.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/pexels-karolina-grabowska-5650045-scaled-1-300x200.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/pexels-karolina-grabowska-5650045-scaled-1-768x512.jpg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/pexels-karolina-grabowska-5650045-scaled-1-1536x1024.jpg 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/pexels-karolina-grabowska-5650045-scaled-1-2048x1366.jpg 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/pexels-karolina-grabowska-5650045-scaled-1.jpg 1920w" data-wpfc-original-sizes="(max-width: 1024px) 100vw, 1024px"/> 2046</picture> 2047</a></div></div> <header class="entry-header ast-blog-single-element ast-blog-meta-container"> 2048<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished">
2048 June 11 / 2026 </span></span></div> </header><!-- .entry-header --> 2049<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/how-to-save-money-on-groceries/" rel="bookmark">How to save money on groceries in Canada: 10 practical tips</a></h2> <div class="ast-excerpt-container ast-blog-single-element"> 2050<p>With grocery prices rising across the country and the cost of living soaring, learning how to coupon in Canada isnât just a savvy move – itâs a smart way to take control of your spending. </p> 2051</div> 2052<div class="entry-content clear"> 2053<a class="read-more" href="https://www.spergel.ca/learning-centre/how-to-save-money-on-groceries/"> 2054<span class="d-center"> 2055<svg xmlns="http://www.w3.org/2000/svg" width="25" height="25" viewBox="0 0 25 25" fill="none"><path d="M8.59766 21.5645H20.9977C21.3291 21.5645 21.5977 21.2959 21.5977 20.9645V4.16445C21.5977 3.83308 21.3291 3.56445 20.9977 3.56445H4.19766C3.86629 3.56445 3.59766 3.83308 3.59766 4.16445V16.5645" stroke="#3A2572" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round"></path><path d="M12.5977 12.5645H8.59766M4.09766 21.0645L12.5977 12.5645L4.09766 21.0645ZM12.5977 12.5645V16.5645V12.5645Z" stroke="#3A2572" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round"></path></svg> 2056<span class="read-more-text">Overview</span> 2057</span> 2058</a> 2059</div><!-- .entry-content .clear --> 2060</div><!-- .post-content --> 2061</div> <!-- .blog-layout-4 --> 2062</article><!-- #post-## --> 2063<article 2064class="post-11969 post type-post status-publish format-standard has-post-thumbnail hentry category-general debt_help_solution-consumer-proposal content_type-e-books debt_types-collection-calls topics-collection-calls ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-11969" itemtype="https://schema.org/CreativeWork" itemscope="itemscope"> 2065<div class="ast-post-format- blog-layout-4 ast-article-inner ast-no-date-box"> 2066<div class="post-content ast-grid-common-col" > 2067<div class="type-tag"><span>E-Books & Guides</span></div> <div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/debt-collector-script/" aria-label="Read: What To Say When Debt Collectors Call" ><picture loading="lazy" decoding="async" class="attachment-large size-large wp-post-image" itemprop="image"> 2068<source type="image/webp" srcset="https://www.spergel.ca/wp-content/uploads/2025/10/What_to_Say_When_Debt_Collectors_Call___ebook_asset.png.webp 641w, https://www.spergel.ca/wp-content/uploads/2025/10/What_to_Say_When_Debt_Collectors_Call___ebook_asset-300x205.png.webp 300w, https://www.spergel.ca/wp-content/uploads/2025/10/What_to_Say_When_Debt_Collectors_Call___ebook_asset-320x220.png.webp 320w" sizes="(max-width: 641px) 100vw, 641px"/> 2069<img onload="Wpfcll.r(this,true);" src="https://www.spergel.ca/wp-content/plugins/wp-fastest-cache-premium/pro/images/blank.gif" decoding="async" width="641" height="439" data-wpfc-original-src="https://www.spergel.ca/wp-content/uploads/2025/10/What_to_Say_When_Debt_Collectors_Call___ebook_asset.png" alt="What To Say When Debt Collectors Call: A Canadian Guide" itemprop="image" data-wpfc-original-srcset="https://www.spergel.ca/wp-content/uploads/2025/10/What_to_Say_When_Debt_Collectors_Call___ebook_asset.png 641w, https://www.spergel.ca/wp-content/uploads/2025/10/What_to_Say_When_Debt_Collectors_Call___ebook_asset-300x205.png 300w, https://www.spergel.ca/wp-content/uploads/2025/10/What_to_Say_When_Debt_Collectors_Call___ebook_asset-320x220.png 320w" data-wpfc-original-sizes="(max-width: 641px) 100vw, 641px"/> 2070</picture> 2071</a></div></div> <header class="entry-header ast-blog-single-element ast-blog-meta-container"> 2072<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> June 9 / 2026 </span></span></div> </header><!-- .entry-header --> 2073<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/debt-collector-script/" rel="bookmark">
2073What To Say When Debt Collectors Call</a></h2> <div class="ast-excerpt-container ast-blog-single-element"> 2074<p>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.</p> 2075</div> 2076<div class="entry-content clear"> 2077<a class="read-more" href="https://www.spergel.ca/learning-centre/debt-collector-script/"> 2078<span class="d-center"> 2079<svg xmlns="http://www.w3.org/2000/svg" width="25" height="25" viewBox="0 0 25 25" fill="none"><path d="M8.59766 21.5645H20.9977C21.3291 21.5645 21.5977 21.2959 21.5977 20.9645V4.16445C21.5977 3.83308 21.3291 3.56445 20.9977 3.56445H4.19766C3.86629 3.56445 3.59766 3.83308 3.59766 4.16445V16.5645" stroke="#3A2572" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round"></path><path d="M12.5977 12.5645H8.59766M4.09766 21.0645L12.5977 12.5645L4.09766 21.0645ZM12.5977 12.5645V16.5645V12.5645Z" stroke="#3A2572" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round"></path></svg> 2080<span class="read-more-text">Overview</span> 2081</span> 2082</a> 2083</div><!-- .entry-content .clear --> 2084</div><!-- .post-content --> 2085</div> <!-- .blog-layout-4 --> 2086</article><!-- #post-## --> 2087<article 2088class="post-8658 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles topics-life-events ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-8658" itemtype="https://schema.org/CreativeWork" itemscope="itemscope"> 2089<div class="ast-post-format- blog-layout-4 ast-article-inner ast-no-date-box"> 2090<div class="post-content ast-grid-common-col" > 2091<div class="type-tag"><span>Articles & Insights</span></div> <div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/how-to-leave-a-marriage-with-no-money/" aria-label="Read: How to leave a marriage with no money in Canada: a step-by-step guide to financial independence" ><picture loading="lazy" decoding="async" class="attachment-large size-large wp-post-image" itemprop="image"> 2092<source type="image/webp" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/pexels-cottonbro-4098224-1-1024x683.jpg.webp 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/pexels-cottonbro-4098224-1-300x200.jpg.webp 300w, https://www.spergel.ca/wp-content/uploads/2025/08/pexels-cottonbro-4098224-1-768x512.jpg.webp 768w, https://www.spergel.ca/wp-content/uploads/2025/08/pexels-cottonbro-4098224-1-1536x1024.jpg.webp 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/pexels-cottonbro-4098224-1-2048x1365.jpg.webp 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/pexels-cottonbro-4098224-1.jpg.webp 1920w" sizes="(max-width: 1024px) 100vw, 1024px"/> 2093<img onload="Wpfcll.r(this,true);" src="https://www.spergel.ca/wp-content/plugins/wp-fastest-cache-premium/pro/images/blank.gif" decoding="async" width="1024" height="683" data-wpfc-original-src="https://www.spergel.ca/wp-content/uploads/2025/08/pexels-cottonbro-4098224-1-1024x683.jpg" alt="How to leave a marriage with no money" itemprop="image" data-wpfc-original-srcset="https://www.spergel.ca/wp-content/uploads/2025/08/pexels-cottonbro-4098224-1-1024x683.jpg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/pexels-cottonbro-4098224-1-300x200.jpg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/pexels-cottonbro-4098224-1-768x512.jpg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/pexels-cottonbro-4098224-1-1536x1024.jpg 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/pexels-cottonbro-4098224-1-2048x1365.jpg 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/pexels-cottonbro-4098224-1.jpg 1920w" data-wpfc-original-sizes="(max-width: 1024px) 100vw, 1024px"/> 2094</picture> 2095</a></div></div> <header class="entry-header ast-blog-single-element ast-blog-meta-container"> 2096<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished">
2096 June 4 / 2026 </span></span></div> </header><!-- .entry-header --> 2097<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/how-to-leave-a-marriage-with-no-money/" rel="bookmark">How to leave a marriage with no money in Canada: a step-by-step guide to financial independence</a></h2> <div class="ast-excerpt-container ast-blog-single-element"> 2098<p>Leaving a marriage is never easy, but it can feel especially overwhelming if you have little or no money of your own.</p> 2099</div> 2100<div class="entry-content clear"> 2101<a class="read-more" href="https://www.spergel.ca/learning-centre/how-to-leave-a-marriage-with-no-money/"> 2102<span class="d-center"> 2103<svg xmlns="http://www.w3.org/2000/svg" width="25" height="25" viewBox="0 0 25 25" fill="none"><path d="M8.59766 21.5645H20.9977C21.3291 21.5645 21.5977 21.2959 21.5977 20.9645V4.16445C21.5977 3.83308 21.3291 3.56445 20.9977 3.56445H4.19766C3.86629 3.56445 3.59766 3.83308 3.59766 4.16445V16.5645" stroke="#3A2572" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round"></path><path d="M12.5977 12.5645H8.59766M4.09766 21.0645L12.5977 12.5645L4.09766 21.0645ZM12.5977 12.5645V16.5645V12.5645Z" stroke="#3A2572" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round"></path></svg> 2104<span class="read-more-text">Overview</span> 2105</span> 2106</a> 2107</div><!-- .entry-content .clear --> 2108</div><!-- .post-content --> 2109</div> <!-- .blog-layout-4 --> 2110</article><!-- #post-## --> 2111<article 2112class="post-11887 post type-post status-publish format-standard has-post-thumbnail hentry category-general debt_help_solution-personal-bankruptcy content_type-articles topics-financial-literacy ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-11887" itemtype="https://schema.org/CreativeWork" itemscope="itemscope"> 2113<div class="ast-post-format- blog-layout-4 ast-article-inner ast-no-date-box"> 2114<div class="post-content ast-grid-common-col" > 2115<div class="type-tag"><span>Articles & Insights</span></div> <div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/surplus-income-limits/" aria-label="Read: Surplus income limits in Canada – updated for 2026" ><img onload="Wpfcll.r(this,true);" src="https://www.spergel.ca/wp-content/plugins/wp-fastest-cache-premium/pro/images/blank.gif" decoding="async" width="1024" height="684" data-wpfc-original-src="https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy-1024x684.webp" class="attachment-large size-large wp-post-image" alt="blank" itemprop="image" data-wpfc-original-srcset="https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy-1024x684.webp 1024w, https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy-300x200.webp 300w, https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy-768x513.webp 768w, https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy-1536x1026.webp 1536w, https://www.spergel.ca/wp-content/uploads/2026/03/surplus-income-limits-bankruptcy.webp 2046w" data-wpfc-original-sizes="(max-width: 1024px) 100vw, 1024px" /></a></div></div> <header class="entry-header ast-blog-single-element ast-blog-meta-container"> 2116<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> June 3 / 2026 </span></span></div> </header><!-- .entry-header --> 2117<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/surplus-income-limits/" rel="bookmark">Surplus income limits in Canada – updated for 2026</a></h2> <div class="ast-excerpt-container ast-blog-single-element"> 2118<p>Each year, the Office of the Superintendent of Bankruptcy (OSB) updates the surplus income limits for individuals filing for bankruptcy in Canada.</p> 2119</div> 2120<div class="entry-content clear"> 2121<a class="read-more" href="https://www.spergel.ca/learning-centre/surplus-income-limits/"> 2122<span class="d-center"> 2123<svg xmlns="http://www.w3.org/2000/svg" width="25" height="25" viewB
2123ox="0 0 25 25" fill="none"><path d="M8.59766 21.5645H20.9977C21.3291 21.5645 21.5977 21.2959 21.5977 20.9645V4.16445C21.5977 3.83308 21.3291 3.56445 20.9977 3.56445H4.19766C3.86629 3.56445 3.59766 3.83308 3.59766 4.16445V16.5645" stroke="#3A2572" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round"></path><path d="M12.5977 12.5645H8.59766M4.09766 21.0645L12.5977 12.5645L4.09766 21.0645ZM12.5977 12.5645V16.5645V12.5645Z" stroke="#3A2572" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round"></path></svg> 2124<span class="read-more-text">Overview</span> 2125</span> 2126</a> 2127</div><!-- .entry-content .clear --> 2128</div><!-- .post-content --> 2129</div> <!-- .blog-layout-4 --> 2130</article><!-- #post-## --> 2131<article 2132class="post-17187 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles topics-financial-literacy ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-17187" itemtype="https://schema.org/CreativeWork" itemscope="itemscope"> 2133<div class="ast-post-format- blog-layout-4 ast-article-inner ast-no-date-box"> 2134<div class="post-content ast-grid-common-col" > 2135<div class="type-tag"><span>Articles & Insights</span></div> <div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/is-spergel-legit/" aria-label="Read: Is Spergel legit? What you need to know before choosing a debt help company" ><picture loading="lazy" decoding="async" class="attachment-large size-large wp-post-image" itemprop="image"> 2136<source type="image/webp" srcset="https://www.spergel.ca/wp-content/uploads/2026/04/AdobeStock_1955423154-1024x683.jpeg.webp 1024w, https://www.spergel.ca/wp-content/uploads/2026/04/AdobeStock_1955423154-300x200.jpeg.webp 300w, https://www.spergel.ca/wp-content/uploads/2026/04/AdobeStock_1955423154-768x512.jpeg.webp 768w, https://www.spergel.ca/wp-content/uploads/2026/04/AdobeStock_1955423154-1536x1024.jpeg.webp 1536w, https://www.spergel.ca/wp-content/uploads/2026/04/AdobeStock_1955423154-2048x1365.jpeg.webp 2048w" sizes="(max-width: 1024px) 100vw, 1024px"/> 2137<img onload="Wpfcll.r(this,true);" src="https://www.spergel.ca/wp-content/plugins/wp-fastest-cache-premium/pro/images/blank.gif" decoding="async" width="1024" height="683" data-wpfc-original-src="https://www.spergel.ca/wp-content/uploads/2026/04/AdobeStock_1955423154-1024x683.jpeg" alt="is-spergel-legit.jpg" itemprop="image" data-wpfc-original-srcset="https://www.spergel.ca/wp-content/uploads/2026/04/AdobeStock_1955423154-1024x683.jpeg 1024w, https://www.spergel.ca/wp-content/uploads/2026/04/AdobeStock_1955423154-300x200.jpeg 300w, https://www.spergel.ca/wp-content/uploads/2026/04/AdobeStock_1955423154-768x512.jpeg 768w, https://www.spergel.ca/wp-content/uploads/2026/04/AdobeStock_1955423154-1536x1024.jpeg 1536w, https://www.spergel.ca/wp-content/uploads/2026/04/AdobeStock_1955423154-2048x1365.jpeg 2048w" data-wpfc-original-sizes="(max-width: 1024px) 100vw, 1024px"/> 2138</picture> 2139</a></div></div> <header class="entry-header ast-blog-single-element ast-blog-meta-container"> 2140<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> April 24 / 2026 </span></span></div> </header><!-- .entry-header --> 2141<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/is-spergel-legit/" rel="bookmark">Is Spergel legit? What you need to know before choosing a debt help company</a></h2> <div class="ast-excerpt-container ast-blog-single-element"> 2142<p>Yes, Spergel is a legitimate Licensed Insolvency Trustee firm in Canada, regulated by the federal government. </p> 2143<p>This means that Spergel is legally authorized to help Canadians reduce or eliminate debt.</p> 2144</div> 2145<div class="entry-content clear"> 2146<a class="read-more" href="https://www.spergel.ca/learning-centre/is-spergel-legit/"> 2147<span class="d-center"> 2148<svg xmlns="http://www.w3.org/2000/svg" width="25" height="25" viewB
2148ox="0 0 25 25" fill="none"><path d="M8.59766 21.5645H20.9977C21.3291 21.5645 21.5977 21.2959 21.5977 20.9645V4.16445C21.5977 3.83308 21.3291 3.56445 20.9977 3.56445H4.19766C3.86629 3.56445 3.59766 3.83308 3.59766 4.16445V16.5645" stroke="#3A2572" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round"></path><path d="M12.5977 12.5645H8.59766M4.09766 21.0645L12.5977 12.5645L4.09766 21.0645ZM12.5977 12.5645V16.5645V12.5645Z" stroke="#3A2572" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round"></path></svg> 2149<span class="read-more-text">Overview</span> 2150</span> 2151</a> 2152</div><!-- .entry-content .clear --> 2153</div><!-- .post-content --> 2154</div> <!-- .blog-layout-4 --> 2155</article><!-- #post-## --> 2156<article 2157class="post-8730 post type-post status-publish format-standard has-post-thumbnail hentry category-general content_type-articles topics-cost-of-living ast-grid-common-col ast-full-width ast-article-post remove-featured-img-padding ast-width-md-4 ast-archive-post ast-separate-posts" id="post-8730" itemtype="https://schema.org/CreativeWork" itemscope="itemscope"> 2158<div class="ast-post-format- blog-layout-4 ast-article-inner ast-no-date-box"> 2159<div class="post-content ast-grid-common-col" > 2160<div class="type-tag"><span>Articles & Insights</span></div> <div class="ast-blog-featured-section post-thumb ast-blog-single-element"><div class="post-thumb-img-content post-thumb"><a href="https://www.spergel.ca/learning-centre/why-are-groceries-so-expensive/" aria-label="Read: Why are groceries so expensive in Canada? (2026 update)" ><picture loading="lazy" decoding="async" class="attachment-large size-large wp-post-image" itemprop="image"> 2161<source type="image/webp" srcset="https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_95053810-scaled-1-1024x681.jpeg.webp 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_95053810-scaled-1-300x200.jpeg.webp 300w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_95053810-scaled-1-768x511.jpeg.webp 768w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_95053810-scaled-1-1536x1022.jpeg.webp 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_95053810-scaled-1-2048x1362.jpeg.webp 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_95053810-scaled-1.jpeg.webp 1920w" sizes="(max-width: 1024px) 100vw, 1024px"/> 2162<img onload="Wpfcll.r(this,true);" src="https://www.spergel.ca/wp-content/plugins/wp-fastest-cache-premium/pro/images/blank.gif" decoding="async" width="1024" height="681" data-wpfc-original-src="https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_95053810-scaled-1-1024x681.jpeg" alt="Why are groceries so expensive in Canada?" itemprop="image" data-wpfc-original-srcset="https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_95053810-scaled-1-1024x681.jpeg 1024w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_95053810-scaled-1-300x200.jpeg 300w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_95053810-scaled-1-768x511.jpeg 768w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_95053810-scaled-1-1536x1022.jpeg 1536w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_95053810-scaled-1-2048x1362.jpeg 2048w, https://www.spergel.ca/wp-content/uploads/2025/08/AdobeStock_95053810-scaled-1.jpeg 1920w" data-wpfc-original-sizes="(max-width: 1024px) 100vw, 1024px"/> 2163</picture> 2164</a></div></div> <header class="entry-header ast-blog-single-element ast-blog-meta-container"> 2165<div class="entry-meta"><span class="posted-on"><span class="published" itemprop="datePublished"> April 16 / 2026 </span></span></div> </header><!-- .entry-header --> 2166<h2 class="entry-title ast-blog-single-element" itemprop="headline"><a href="https://www.spergel.ca/learning-centre/why-are-groceries-so-expensive/" rel="bookmark">Why are groceries so expensive in Canada? (2026 update)</a></h2> <div class="ast-excerpt-container ast-blog-single-element"> 2167<p>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.</p> 2168</div> 2169<div class="entry-content clear"> 2170<a class="read-more" href="https://www.spergel.ca/learning-centre/why-are-groceries-so-expensive/"> 2171<span class="d-center"> 2172<svg xmlns="http://www.w3.org/2000/svg" width="25" height="25" viewB
2172ox="0 0 25 25" fill="none"><path d="M8.59766 21.5645H20.9977C21.3291 21.5645 21.5977 21.2959 21.5977 20.9645V4.16445C21.5977 3.83308 21.3291 3.56445 20.9977 3.56445H4.19766C3.86629 3.56445 3.59766 3.83308 3.59766 4.16445V16.5645" stroke="#3A2572" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round"></path><path d="M12.5977 12.5645H8.59766M4.09766 21.0645L12.5977 12.5645L4.09766 21.0645ZM12.5977 12.5645V16.5645V12.5645Z" stroke="#3A2572" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round"></path></svg> 2173<span class="read-more-text">Overview</span> 2174</span> 2175</a> 2176</div><!-- .entry-content .clear --> 2177</div><!-- .post-content --> 2178</div> <!-- .blog-layout-4 --> 2179</article><!-- #post-## --> 2180</div></div> 2181</div> 2182<div class="elementor-element elementor-element-d0f09a4 e-con-full e-flex e-con e-child" data-id="d0f09a4" data-element_type="container" data-e-type="container"> 2183<div class="elementor-element elementor-element-98cee18 elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-heading" data-id="98cee18" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default"> 2184<h3 class="elementor-heading-title elementor-size-default">Get Everything Youâre Looking For - All In One Spot</h3> </div> 2185<div class="elementor-element elementor-element-af91c29 elementor-widget elementor-widget-custom-button" data-id="af91c29" data-element_type="widget" data-e-type="widget" data-widget_type="custom-button.default"> 2186<div class="elementor-widget-container treefrog-btn"> 2187<a class="btn outline" href="/learning-centre/" > 2188<span class="d-center"> 2189<svg xmlns="http://www.w3.org/2000/svg" width="25" height="25" viewBox="0 0 25 25" fill="none"><path d="M8.59766 21.5645H20.9977C21.3291 21.5645 21.5977 21.2959 21.5977 20.9645V4.16445C21.5977 3.83308 21.3291 3.56445 20.9977 3.56445H4.19766C3.86629 3.56445 3.59766 3.83308 3.59766 4.16445V16.5645" stroke="#3A2572" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round"></path><path d="M12.5977 12.5645H8.59766M4.09766 21.0645L12.5977 12.5645L4.09766 21.0645ZM12.5977 12.5645V16.5645V12.5645Z" stroke="#3A2572" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round"></path></svg> <span style="padding-left:10px" >Go to Learning Centre</span> 2190</span> 2191</a> 2192</div> 2193</div> 2194</div> 2195</div> 2196</div> 2197</div> 2198</div><!-- .entry-content .clear --> 2199</article><!-- #post-## --> 2200</main><!-- #main --> 2201</div><!-- #primary --> 2202 </div> <!-- ast-container --> 2203</div><!-- #content --> 2204<footer 2205class="site-footer" id="colophon" itemtype="https://schema.org/WPFooter" itemscope="itemscope" itemid="#colophon"> 2206<div class="site-primary-footer-wrap ast-builder-grid-row-container site-footer-focus-item ast-builder-grid-row-4-rheavy ast-builder-grid-row-tablet-4-equal ast-builder-grid-row-mobile-full ast-footer-row-stack ast-footer-row-tablet-stack ast-footer-row-mobile-stack" data-section="section-primary-footer-builder"> 2207<div class="ast-builder-grid-row-container-inner"> 2208<div class="ast-builder-footer-grid-columns site-primary-footer-inner-wrap ast-builder-grid-row"> 2209<div class="site-footer-primary-section-1 site-footer-section site-footer-section-1"> 2210<aside 2211class="footer-widget-area widget-area site-footer-focus-item footer-widget-area-inner" data-section="sidebar-widgets-footer-widget-1" aria-label="Footer Widget 1" role="region" > 2212<section id="block-8" class="widget widget_block widget_media_image"> 2213<figure class="wp-block-image size-full"><a href="/" rel="home"><img onload="Wpfcll.r(this,true);" src="https://www.spergel.ca/wp-content/plugins/wp-fastest-cache-premium/pro/images/blank.gif" decoding="async" data-wpfc-original-src="https://www.spergel.ca/wp-content/uploads/2025/07/Spergel-Logo-white.svg" alt="Spergel" class="wp-image-64" title="Spergel - home"/></a></figure> 2214</section> </aside> 2215</div> 2216<div class="site-footer-primary-section-2 site-footer-section site-footer-section-2"> 2217<div class="footer-widget-area widget-area site-footer-focus-item ast-footer-html-1" data-section="section-fb-html-1"> 2218<div class="ast-header-html inner-link-style-">
2218<div class="ast-builder-html-element"><p><strong>Head Office:</strong></p> 2219<p>200 Yorkland Boulevard<br /> 2220Suite #1100<br /> 2221Toronto, ON M2J 5C1</p> 2222</div></div> </div> 2223</div> 2224<div class="site-footer-primary-section-3 site-footer-section site-footer-section-3"> 2225<div class="footer-widget-area widget-area site-footer-focus-item ast-footer-html-2" data-section="section-fb-html-2"> 2226<div class="ast-header-html inner-link-style-"><div class="ast-builder-html-element"><p><strong>Phone:</strong></p> 2227<p><a class="menu-link mb-2 d-inline-block" href="tel:18775014321">1-877-501-4321</a></p> 2228<p><strong>Email:</strong></p> 2229<p><a class="menu-link" href="mailto:[email protected]">[email protected]</a></p> 2230</div></div> </div> 2231</div> 2232<div class="site-footer-primary-section-4 site-footer-section site-footer-section-4"> 2233<div class="ast-builder-layout-element ast-flex site-footer-focus-item" data-section="section-fb-social-icons-1"> 2234<div class="ast-footer-social-1-wrap ast-footer-social-wrap"><div class="footer-social-inner-wrap element-social-inner-wrap social-show-label-false ast-social-color-type-custom ast-social-stack-none ast-social-element-style-filled"><a href="https://www.youtube.com/c/Spergel" aria-label="YouTube" target="_blank" rel="noopener noreferrer" style="--color: #e96651; --background-color: transparent;" class="ast-builder-social-element ast-inline-flex ast-youtube footer-social-item"><span aria-hidden="true" class="ahfb-svg-iconset ast-inline-flex svg-baseline"><svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 576 512'><path d='M549.655 124.083c-6.281-23.65-24.787-42.276-48.284-48.597C458.781 64 288 64 288 64S117.22 64 74.629 75.486c-23.497 6.322-42.003 24.947-48.284 48.597-11.412 42.867-11.412 132.305-11.412 132.305s0 89.438 11.412 132.305c6.281 23.65 24.787 41.5 48.284 47.821C117.22 448 288 448 288 448s170.78 0 213.371-11.486c23.497-6.321 42.003-24.171 48.284-47.821 11.412-42.867 11.412-132.305 11.412-132.305s0-89.438-11.412-132.305zm-317.51 213.508V175.185l142.739 81.205-142.739 81.201z'></path></svg></span></a><a href="https://www.facebook.com/spergelinc/" aria-label="Facebook" target="_blank" rel="noopener noreferrer" style="--color: #557dbc; --background-color: transparent;" class="ast-builder-social-element ast-inline-flex ast-facebook footer-social-item"><span aria-hidden="true" class="ahfb-svg-iconset ast-inline-flex svg-baseline"><svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 320 512'><path d='M279.14 288l14.22-92.66h-88.91v-60.13c0-25.35 12.42-50.06 52.24-50.06h40.42V6.26S260.43 0 225.36 0c-73.22 0-121.08 44.38-121.08 124.72v70.62H22.89V288h81.39v224h100.17V288z'></path></svg></span></a><a href="https://twitter.com/spergelinc" aria-label="Twitter" target="_blank" rel="noopener noreferrer" style="--color: #7acdee; --background-color: transparent;" class="ast-builder-social-element ast-inline-flex ast-twitter footer-social-item"><span aria-hidden="true" class="ahfb-svg-iconset ast-inline-flex svg-baseline"><svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'><path d='M18.244 2.25H21.552L14.325 10.51L22.827 21.75H16.17L10.956 14.933L4.99 21.75H1.68L9.41 12.915L1.254 2.25H8.08L12.793 8.481L18.244 2.25ZM17.083 19.77H18.916L7.084 4.126H5.117L17.083 19.77Z'/></svg></span></a><a href="https://www.instagram.com/spergelinc/" aria-label="Instagram" target="_blank" rel="noopener noreferrer" style="--color: #8a3ab9; --background-color: transparent;" class="ast-builder-social-element ast-inline-flex ast-instagram footer-social-item"><span aria-hidden="true" class="ahfb-svg-iconset ast-inline-flex svg-baseline"><svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 448 512'><path d='M224.1 141c-63.6 0-114.9 51.3-114.9 114.9s51.3 114.9 114.9 114.9S339 319.5 339 255.9 287.7 141 224.1 141zm0 189.6c-41.1 0-74.7-33.5-74.7-74.7s33.5-74.7 74.7-74.7 74.7 33.5 74.7 74.7-33.6 74.7-74.7 74.7zm146.4-194.3c0 14.9-12 26.8-26.8 26.8-14.9 0-26.8-12-26.8-26.8s12-26.8 26.8-26.8 26.8 12 26.8 26.8zm76.1 27.2c-1.7-35.9-9.9-67.7-36.2-93.9-26.2-26.2-58-34.4-93.9-36.2-37-2.1-147.9-2.1-184.9 0-35.8 1.7-67.6 9.9-93.9 36.1s-34.4 58-36.2 93.9c-2.1 37-2.1 147.9 0 184.9 1.7 35.9 9.9 67.7 36.2 93.9s58 34.4 93.9 36.2c37 2.1 147.9 2.1 184.9 0 35.9-1.7 67.7-9.9 93.9-36.2 26.2-26.2 34.4-58 36.2-93.9 2.1-37 2.1-147.8 0-184.8zM398.8 388c-7.8 19.6-22.9 34.7-42.6 42.6-29.5 11.7-99.5 9-132.1 9s-102.7 2.6-132.1-9c-19.6-7.8-34.7-22.9-42.6-42.6-11.7-29.5-9-99.5-9-132.1s-2.6-102.7 9-132.1c7.8-19.6 22.9-34.7 42.6-42.6 29.5-11.7 99.5-9 132.1-9s102.7-2.6 132.1 9c19.6 7.8 34.7 22.9 42.6 42.6 11.7 29.5 9 99.5 9 132.1s2.7 102.7-9 132.1z'></path></svg></span></a><a href="https://www.tiktok.com/@spergel.ca" aria-label="TikTok" target="_blank" rel="noopener noreferrer" style="--color: #000000; --background-color: transparent;
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2442<script type="speculationrules"> 2443{"prefetch":[{"source":"document","where":{"and":[{"href_matches":"/*"},{"not":{"href_matches":["/wp-*.php","/wp-admin/*","/wp-content/uploads/*","/wp-content/*","/wp-content/plugins/*","/wp-content/themes/astra-child/*","/wp-content/themes/astra/*","/*\\?(.+)"]}},{"not":{"selector_matches":"a[rel~=\"nofollow\"]"}},{"not":{"selector_matches":".no-prefetch, .no-prefetch a"}}]},"eagerness":"conservative"}]} 2444</script>
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2445<script> 2446// helper function for processing dynamic values 2447function processDynamicValue(template) { 2448if (!template) return ''; 2449// Check if template contains cookie references 2450const cookieMatches = template.match(/\{\{([^}]+)\}\}/g); 2451if (cookieMatches) { 2452let processed = template; 2453cookieMatches.forEach(function(match) { 2454const cookieName = match.replace(/\{\{|\}\}/g, ''); 2455const cookieValue = Cookies.get(cookieName) || ''; 2456processed = processed.replace(match, cookieValue); 2457}); 2458return processed; 2459} 2460// Return as-is for static values (backward compatibility) 2461return template; 2462} 2463document.addEventListener('HandL-After-Main-Function', () => { 2464if (typeof handl_utm_dyo_logic === 'object') { 2465// Convert to array if it's not already 2466const logicArray = Array.isArray(handl_utm_dyo_logic) ? handl_utm_dyo_logic : [handl_utm_dyo_logic]; 2467logicArray.forEach(function(group) { 2468if (!group || !group.conditions || !Array.isArray(group.conditions)) return; 2469const logicType = group.logic_type || 'or'; 2470const conditionsResult = evaluateConditionsJS(group.conditions, logicType); 2471if (conditionsResult && group.then_actions && Array.isArray(group.then_actions)) { 2472// Execute THEN actions 2473executeActionsJS(group.then_actions); 2474} else if (!conditionsResult && group.else_actions && Array.isArray(group.else_actions)) { 2475// Execute ELSE actions 2476executeActionsJS(group.else_actions); 2477} 2478}); 2479} 2480}); 2481function executeActionsJS(actions) { 2482actions.forEach(function(action) { 2483if (action.param && action.value) { 2484const processedValue = processDynamicValue(action.value); 2485SetRefLink(action.param, processedValue, true, 0); 2486} 2487}); 2488} 2489function evaluateConditionsJS(conditions, logicType) { 2490let allConditionsMet = true; 2491let anyConditionMet = false; 2492// Process each condition in the group 2493conditions.forEach(function(condition) { 2494if (!condition || !condition.utm_param || !condition.operator) return; 2495const utmValue = Cookies.get(condition.utm_param) || ''; 2496const conditionResult = checkCondition(utmValue, condition.operator, condition.utm_value); 2497if (logicType === 'and') { 2498if (!conditionResult) { 2499allConditionsMet = false; 2500} 2501} else { // OR logic 2502if (conditionResult) { 2503anyConditionMet = true; 2504} 2505} 2506}); 2507return (logicType === 'and' && allConditionsMet) || (logicType === 'or' && anyConditionMet); 2508} 2509function checkCondition(value, operator, compare) { 2510// Handle 'defined' and 'not_defined' operators that don't need a compare value 2511if (operator === 'defined') { 2512return value !== undefined && value !== ''; 2513} 2514if (operator === 'not_defined') { 2515return value === undefined || value === ''; 2516} 2517// Skip other checks if we don't have a compare value 2518if (!compare || compare === 'N/A') return false; 2519switch (operator) { 2520case 'equals': 2521return value === compare; 2522case 'not_equals': 2523return value !== compare; 2524case 'contains': 2525return value.indexOf(compare) !== -1; 2526case 'not_contains': 2527return value.indexOf(compare) === -1; 2528case 'starts_with': 2529return value.startsWith(compare); 2530case 'ends_with': 2531return value.endsWith(compare); 2532case 'regex': 2533try { 2534return new RegExp(compare).test(value); 2535} catch (e) { 2536console.error('Invalid regex pattern:', compare); 2537return false; 2538} 2539default: 2540return false; 2541} 2542} 2543</script>
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2544<script> 2545if (typeof MsCrmMkt !== 'undefined'){ 2546MsCrmMkt.MsCrmFormLoader.on("afterFormLoad", function(event) { 2547jQuery(event.formPlaceholder).find('input').each(function(id, field){ 2548var thiss = jQuery(field) 2549if ( typeof(thiss.attr('title')) != 'undefined' ){ 2550if (thiss.attr('title') != ''){ 2551//console.log('1',field,thiss.attr('title')) 2552var param = thiss.attr('title').toLowerCase().replace(/\s+/g,'_') 2553var cookie_value = '' 2554if (param != '' && Cookies.get(param) && Cookies.get(param) != ''){ 2555cookie_value = Cookies.get(param) 2556} 2557if (cookie_value == ''){ 2558var param = thiss.attr('placeholder').toLowerCase().replace(/\s+/g,'_') 2559if (param != '' && Cookies.get(param) && Cookies.get(param) != ''){ 2560cookie_value = Cookies.get(param) 2561} 2562} 2563thiss.val(cookie_value) 2564}else{ 2565//console.log('2',field,thiss.attr('title')) 2566} 2567}else{ 2568//console.log('3',field,thiss.attr('title')) 2569} 2570}) 2571// handl_utm_all_params.forEach(function(param) { 2572// jQuery('input[title='+param+']').val(Cookies.get(param)); 2573// }) 2574}) 2575} 2576</script>
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2577<script type="text/javascript" src="//cdn.jsdelivr.net/npm/[email protected]/slick/slick.min.js"></script>
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2578<script> 2579//if Form is a Tracker, Study or Ebook 2580jQuery(document).on('gform_confirmation_loaded', function(event, formId) { 2581if (formId === 5 || formId === 4 || formId === 3) { 2582var lang = jQuery('html').attr('lang'); 2583var title_str = 'Thank you!'; 2584if(lang == 'es'){ 2585title_str = '¡Gracias!'; 2586}else if(lang == 'fr'){ 2587title_str = 'Merci !'; 2588} 2589jQuery('#form-entry-title h3').text(title_str); 2590} 2591}); 2592</script>
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2593<script> 2594( () => { 2595const lazyloadRunObserver = () => { 2596const lazyloadBackgrounds = document.querySelectorAll( `.e-con.e-parent:not(.e-lazyloaded)` ); 2597const lazyloadBackgroundObserver = new IntersectionObserver( ( entries ) => { 2598entries.forEach( ( entry ) => { 2599if ( entry.isIntersecting ) { 2600let lazyloadBackground = entry.target; 2601if( lazyloadBackground ) { 2602lazyloadBackground.classList.add( 'e-lazyloaded' ); 2603} 2604lazyloadBackgroundObserver.unobserve( entry.target ); 2605} 2606}); 2607}, { rootMargin: '200px 0px 200px 0px' } ); 2608lazyloadBackgrounds.forEach( ( lazyloadBackground ) => { 2609lazyloadBackgroundObserver.observe( lazyloadBackground ); 2610} ); 2611}; 2612const events = [ 2613'DOMContentLoaded', 2614'elementor/lazyload/observe', 2615]; 2616events.forEach( ( event ) => { 2617document.addEventListener( event, lazyloadRunObserver ); 2618} ); 2619} )(); 2620</script>
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2621<script id="astra-theme-js-js" src="//www.spergel.ca/wp-content/cache/wpfc-minified/lco7srul/40y0y.js"></script>
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2622<script id="spergel-intake-form-js" src="//www.spergel.ca/wp-content/cache/wpfc-minified/etzpiz3m/40y0y.js"></script>
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2623<script id="rangeslider-js-js" src="https://cdnjs.cloudflare.com/ajax/libs/rangeslider.js/2.3.3/rangeslider.min.js?ver=2.3.3"></script>
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2624<script id="treefrog-debtcalc-js-js" src="//www.spergel.ca/wp-content/cache/wpfc-minified/jyoqq4vj/40y0y.js"></script>
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2625<script id="md-smoother-js-before"> 2626window.mdSmootherAllBrowsers = true; 2627//# sourceURL=md-smoother-js-before 2628</script>
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2628
2629<script id="md-smoother-js" src="//www.spergel.ca/wp-content/cache/wpfc-minified/qkwb0ada/40y0y.js"></script>
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2630<script id="md-smoother-js-after"> 2631window.addEventListener( 'load', function() { SmoothScroll( { stepSize: 100, animationTime: 400, accelerationMax: 3, accelerationDelta: 50, pulseScale: 4, arrowScroll: 50, keyboardSupport: true, pulseAlgorithm: true, anchor: true } ) } ); 2632//# sourceURL=md-smoother-js-after 2633</script>
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2633
2634<script async data-wp-strategy="async" id="text-widget-js" src="https://wordpress.livechat.com/api/v2/script/38cdbaf2-8eba-4a1b-be65-17640fa1f9a4/widget.js?ver=5.0.12"></script>
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2635<script id="astra-addon-js-js" src="//www.spergel.ca/wp-content/cache/wpfc-minified/mb9yg5vg/40y0y.js"></script>
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2636<script id="astra-dom-purify-js" src="//www.spergel.ca/wp-content/cache/wpfc-minified/lnu9852d/40y0y.js"></script>
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2637<script id="elementor-webpack-runtime-js" src="//www.spergel.ca/wp-content/cache/wpfc-minified/d2llj3if/40y0y.js"></script>
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2638<script id="elementor-frontend-modules-js" src="//www.spergel.ca/wp-content/cache/wpfc-minified/1qd8763i/40y0y.js"></script>
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2639<script id="jquery-ui-core-js-before"> 2640jQuery.uiBackCompat = true; 2641//# sourceURL=jquery-ui-core-js-before 2642</script>
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2642
2643<script id="jquery-ui-core-js" src="//www.spergel.ca/wp-content/cache/wpfc-minified/7b0w0yxw/40y0y.js"></script>
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2644<script id="elementor-frontend-js" src="//www.spergel.ca/wp-content/cache/wpfc-minified/8m2pm1tg/40y0y.js"></script>
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2645<script id="jquery-numerator-js" src="//www.spergel.ca/wp-content/cache/wpfc-minified/9903etdw/40y84.js"></script>
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2645
2646<script id="wp-client-reports-pro-gf-js-js" src="//www.spergel.ca/wp-content/cache/wpfc-minified/etxjmnhu/40y0y.js"></script>
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2646
2647<script id="all-pages-js" src="//www.spergel.ca/wp-content/cache/wpfc-minified/kxeq8mzl/40y0y.js"></script>
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2648<script id="gt_widget_script_39830987-js-before"> 2649window.gtranslateSettings = /* document.write */ window.gtranslateSettings || {};window.gtranslateSettings['39830987'] = {"default_language":"en","languages":["en","fr","es"],"url_structure":"sub_directory","native_language_names":1,"detect_browser_language":1,"wrapper_selector":"#gt-wrapper-39830987","horizontal_position":"inline","flags_location":"\/wp-content\/plugins\/gtranslate\/flags\/"}; 2650//# sourceURL=gt_widget_script_39830987-js-before 2651</script>
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2651
2652<script src="https://www.spergel.ca/wp-content/plugins/gtranslate/js/lc.js?ver=5.0.1" data-no-optimize="1" data-no-minify="1" data-gt-orig-url="/about-us/" data-gt-orig-domain="www.spergel.ca" data-gt-widget-id="39830987" defer></script>
vendor: 1 bytes, line 2652
2652
2653<script id="gt_widget_script_55167636-js-before"> 2654window.gtranslateSettings = /* document.write */ window.gtranslateSettings || {};window.gtranslateSettings['55167636'] = {"default_language":"en","languages":["en","fr","es"],"url_structure":"sub_directory","native_language_names":1,"detect_browser_language":1,"wrapper_selector":"#gt-wrapper-55167636","horizontal_position":"inline","flags_location":"\/wp-content\/plugins\/gtranslate\/flags\/"}; 2655//# sourceURL=gt_widget_script_55167636-js-before 2656</script>
vendor: 1 bytes, line 2656
2656
2657<script src="https://www.spergel.ca/wp-content/plugins/gtranslate/js/lc.js?ver=5.0.1" data-no-optimize="1" data-no-minify="1" data-gt-orig-url="/about-us/" data-gt-orig-domain="www.spergel.ca" data-gt-widget-id="55167636" defer></script>
vendor: 1 bytes, line 2657
2657
2658<script id="wpex-ex_s_lick-js" src="//www.spergel.ca/wp-content/cache/wpfc-minified/9jfxv8ol/419cv.js"></script>
vendor: 1 bytes, line 2658
2658
2659<script id="wpex-timeline-js" src="//www.spergel.ca/wp-content/cache/wpfc-minified/eiuq4sy1/419cv.js"></script>
vendor: 1 bytes, line 2659
2659
2660<script id="wp-dom-ready-js" src="//www.spergel.ca/wp-content/cache/wpfc-minified/7aepoi3o/40y0y.js"></script>
vendor: 1 bytes, line 2660
2660
2661<script id="wp-hooks-js" src="//www.spergel.ca/wp-content/cache/wpfc-minified/mlg3uisg/40y0y.js"></script>
vendor: 1 bytes, line 2661
2661
2662<script id="wp-i18n-js" src="//www.spergel.ca/wp-content/cache/wpfc-minified/98vulywq/40y0y.js"></script>
vendor: 1 bytes, line 2662
2662
2663<script id="wp-i18n-js-after"> 2664wp.i18n.setLocaleData( { 'text direction\u0004ltr': [ 'ltr' ] } ); 2665//# sourceURL=wp-i18n-js-after 2666</script>
vendor: 1 bytes, line 2666
2666
2667<script id="wp-a11y-js-translations"> 2668( function( domain, translations ) { 2669var localeData = translations.locale_data[ domain ] || translations.locale_data.messages; 2670localeData[""].domain = domain; 2671wp.i18n.setLocaleData( localeData, domain ); 2672} )( "default", {"translation-revision-date":"2026-09-23 10:44:04+0000","generator":"GlotPress\/4.1.0","domain":"messages","locale_data":{"messages":{"":{"domain":"messages","plural-forms":"nplurals=2; plural=n != 1;","lang":"en_CA"},"Notifications":["Notifications"]}},"comment":{"reference":"wp-includes\/js\/dist\/a11y.js"}} ); 2673//# sourceURL=wp-a11y-js-translations 2674</script>
vendor: 1 bytes, line 2674
2674
2675<script defer id="wp-a11y-js" src="//www.spergel.ca/wp-content/cache/wpfc-minified/qk3laqw/40y0y.js"></script>
vendor: 1 bytes, line 2675
2675
2676<script id="gform_json-js" defer='defer' src="//www.spergel.ca/wp-content/cache/wpfc-minified/2q79so6b/40y0y.js"></script>
vendor: 1 bytes, line 2676
2676
2677<script id="gform_gravityforms-js" defer='defer' src="//www.spergel.ca/wp-content/cache/wpfc-minified/2zrf60e2/40y0y.js"></script>
vendor: 1 bytes, line 2677
2677
2678<script id="gform_gravityforms_utils-js" defer='defer' src="//www.spergel.ca/wp-content/cache/wpfc-minified/77lc3322/40y0y.js"></script>
vendor: 1 bytes, line 2678
2678
2679<script id="gform_gravityforms_theme_vendors-js" defer='defer' src="//www.spergel.ca/wp-content/cache/wpfc-minified/drcyz2wl/40y0y.js"></script>
vendor: 1 bytes, line 2679
2679
2680<script id="gform_gravityforms_theme-js" defer='defer' src="//www.spergel.ca/wp-content/cache/wpfc-minified/6je0s6ee/40y0y.js"></script>
vendor: 1 bytes, line 2680
2680
2681<script defer id="related-posts-js-js" src="//www.spergel.ca/wp-content/cache/wpfc-minified/33evbv0d/40y0x.js"></script>
vendor: 1 bytes, line 2681
2681
2682<script defer id="elementor-pro-webpack-runtime-js" src="//www.spergel.ca/wp-content/cache/wpfc-minified/owsfemm/40y0x.js"></script>
vendor: 1 bytes, line 2682
2682
2683<script defer id="elementor-pro-frontend-js" src="//www.spergel.ca/wp-content/cache/wpfc-minified/lw1tv22k/40y0x.js"></script>
vendor: 1 bytes, line 2683
2683
2684<script defer id="pro-elements-handlers-js" src="//www.spergel.ca/wp-content/cache/wpfc-minified/1fwh04vs/40y0x.js"></script>
vendor: 1 bytes, line 2684
2684
2685<script>document.addEventListener('DOMContentLoaded',function(){ 2686/(trident|msie)/i.test(navigator.userAgent)&&document.getElementById&&window.addEventListener&&window.addEventListener("hashchange",function(){var t,e=location.hash.substring(1);/^[A-z0-9_-]+$/.test(e)&&(t=document.getElementById(e))&&(/^(?:a|select|input|button|textarea)$/i.test(t.tagName)||(t.tabIndex=-1),t.focus())},!1);});</script>
vendor: 1 bytes, line 2686
2686
2687<script>document.addEventListener('DOMContentLoaded',function(){ 2688gform.initializeOnLoaded( function() { jQuery(document).on('gform_post_render', function(event, formId, currentPage){if(formId == 1) {} } );jQuery(document).on('gform_post_conditional_logic', function(event, formId, fields, isInit){} ) } );});</script>
vendor: 1 bytes, line 2688
2688
2689<script>document.addEventListener('DOMContentLoaded',function(){ 2690gform.initializeOnLoaded( function() {jQuery(document).trigger("gform_pre_post_render", [{ formId: "1", currentPage: "1", abort: function() { this.preventDefault(); } }]); if (event && event.defaultPrevented) { return; } const gformWrapperDiv = document.getElementById( "gform_wrapper_1" ); if ( gformWrapperDiv ) { const visibilitySpan = document.createElement( "span" ); visibilitySpan.id = "gform_visibility_test_1"; gformWrapperDiv.insertAdjacentElement( "afterend", visibilitySpan ); } const visibilityTestDiv = document.getElementById( "gform_visibility_test_1" ); let postRenderFired = false; function triggerPostRender() { if ( postRenderFired ) { return; } postRenderFired = true; gform.core.triggerPostRenderEvents( 1, 1 ); if ( visibilityTestDiv ) { visibilityTestDiv.parentNode.removeChild( visibilityTestDiv ); } } function debounce( func, wait, immediate ) { var timeout; return function() { var context = this, args = arguments; var later = function() { timeout = null; if ( !immediate ) func.apply( context, args ); }; var callNow = immediate && !timeout; clearTimeout( timeout ); timeout = setTimeout( later, wait ); if ( callNow ) func.apply( context, args ); }; } const debouncedTriggerPostRender = debounce( function() { triggerPostRender(); }, 200 ); if ( visibilityTestDiv && visibilityTestDiv.offsetParent === null ) { const observer = new MutationObserver( ( mutations ) => { mutations.forEach( ( mutation ) => { if ( mutation.type === 'attributes' && visibilityTestDiv.offsetParent !== null ) { debouncedTriggerPostRender(); observer.disconnect(); } }); }); observer.observe( document.body, { attributes: true, childList: false, subtree: true, attributeFilter: [ 'style', 'class' ], }); } else { triggerPostRender(); } } );});</script>
vendor: 1 bytes, line 2690
2690
2691<script>document.addEventListener('DOMContentLoaded',function(){ 2692!function(){var t,o,c,e=window,n=document,r=arguments,a="script",i=["call","cancelAction","config","identify","push","track","trackClick","trackForm","update","visit"],s=function(){var t,o=this,c=function(t){o[t]=function(){return o._e.push([t].concat(Array.prototype.slice.call(arguments,0))),o}};for(o._e=[],t=0;t<i.length;t++)c(i[t])};for(e.__woo=e.__woo||{},t=0;t<r.length;t++)e.__woo[r[t]]=e[r[t]]=e[r[t]]||new s;(o=n.createElement(a)).async=1,o.src="https://static.woopra.com/js/w.js",(c=n.getElementsByTagName(a)[0]).parentNode.insertBefore(o,c)}("woopra"); 2693woopra.config({ 2694domain: "test-spergel.com", 2695outgoing_tracking: true, 2696download_tracking: true, 2697click_tracking: true 2698}); 2699woopra.track();});</script>
vendor: 1 bytes, line 2699
2699
2700<script>(function jqIsReady_404(){if(typeof jQuery === "undefined"){setTimeout(jqIsReady_404, 100);}else{ 2701jQuery(document).ready(function($) { 2702var utmParams = getAllHandLUTMParams(); 2703var sessionId = Cookies.get('handlID') || ''; 2704// Function to remove query parameters and anchors from URL 2705function cleanUrl(url) { 2706var urlParts = url.split('#'); 2707return urlParts[0].split('?')[0]; 2708} 2709$.ajax({ 2710url: handl_ajax.ajax_url, 2711type: 'POST', 2712data: { 2713action: 'handl_record_page_view', 2714session_id: sessionId, 2715utm_params: utmParams, 2716page_url: cleanUrl(window.location.href), 2717referrer: cleanUrl(document.referrer) 2718}, 2719success: function(response) { 2720console.log('Page view recorded:', response); 2721} 2722}); 2723});}})();</script>
2723 2724</body> 2725</html><!-- WP Fastest Cache file was created in 47.304 seconds, on October 5 / 2026 @ 2:19 pm -->
Line numbers count LF bytes from the start of the resource, as the search results do. Vendor segments are library code the classifier recognised; they are stored but not indexed. Bytes are shown as Latin1 characters, one per byte.