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ICIN member companies continually publish articles and add content to help guide individuals and families as they consider their insolvency options. Browse by date or category and click the "read more" button to be taken to the article on the member company's website.

3 Top Choices For Student Debt Relief (2019)

August 5, 2019

As the economy changes and less well-paying jobs are available to those with a university education, more people are struggling to make their student loan payments.

If you are a recent graduate, there are quite a few resources in place to help…

Budget and Savings – Summer Festival Tips

July 11, 2019
Topic: Lifestyle

Summer fun is what the season is all about. Nothing says summer better than a festival weekend outdoors! If you’ve been focused on living debt free, you may have been spending more time thinking about your budget and savings than you have about entertainment…

Do You Owe Money to the CRA? Are You Unable to Pay?

July 9, 2019
Topic: Tax Debt

If you have tax debt, you are not alone. Almost half of our clients are dealing with debts owed to the Canada Revenue Agency (CRA). Of those, a large percentage are people who have paid their taxes every year. Tax evasion is just one of many reasons why a person may find themselves owing to the CRA…

Words of Encouragement

July 3, 2019
Topic: Lifestyle

I’ve got a folder in my office of compliments that I’ve received over the years here at work. Is it okay to admit this? I don’t know. But I figure, if someone has taken the time to write and send me a nice note, it’s worth keeping…

Be Debt Free – Save Money on Canada Day Long Weekend

June 28, 2019
Topic: Lifestyle

A debt-free long weekend sounds pretty easy – just don’t add to your debt with your long weekend spending. Even though it sounds simple, without a few budgeting hacks and savvy money-saving tips, it might not be easy for many people…

How Often Do Consumer Proposals Get Rejected And What Happens If They Are?

June 24, 2019

Consumer proposals get accepted in our office “eventually” at a rate of 95% or better…

How Will Bankruptcy Affect My Spouse?

June 24, 2019
Topic: Bankruptcy

Your bankruptcy may have no effect on your spouse. But the answer to this question depends on whether your spouse co-signed debts with you, if you own assets jointly, or if your spouse contributes a large portion of the household income…

Debt freedom has been our number one priority for over 30 years.

June 20, 2019
Topic: Lifestyle

30 years ago, Spergel’s doors were first opened to the public in Toronto. Now, decades later, as we celebrate our milestone 30th anniversary…

Good out of Bad

June 20, 2019
Topic: Lifestyle

Certainly, we don’t always enjoy the trials and tribulations life throws at us or thrusts us into, but experiencing those difficulties and persevering through and triumphing over them make us who we are…