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your debt-relief options together\"},{\"icon\":{\"iD\":2733,\"id\":2733,\"title\":\"icons8-timeline\",\"filename\":\"icons8-timeline.svg\",\"filesize\":2591,\"url\":\"https:\\\u002F\\\u002Fwww.farber.ca\\\u002Fwp-content\\\u002Fuploads\\\u002F2024\\\u002F06\\\u002Ficons8-timeline.svg\",\"link\":\"\\\u002F?attachment_id=2733\",\"alt\":\"\",\"author\":\"6\",\"description\":\"\",\"caption\":\"\",\"name\":\"icons8-timeline\",\"status\":\"inherit\",\"uploadedTo\":348,\"date\":\"2024-06-24 15:00:03\",\"modified\":\"2024-06-24 16:54:55\",\"menuOrder\":0,\"mimeType\":\"image\\\u002Fsvg+xml\",\"type\":\"image\",\"subtype\":\"svg+xml\",\"icon\":\"\\\u002Fwp-includes\\\u002Fimages\\\u002Fmedia\\\u002Fdefault.png\",\"width\":96,\"height\":96,\"sizes\":{\"thumbnail\":\"https:\\\u002F\\\u002Fwww.farber.ca\\\u002Fwp-content\\\u002Fuploads\\\u002F2024\\\u002F06\\\u002Ficons8-timeline.svg\",\"thumbnail-width\":150,\"thumbnail-height\":150,\"medium\":\"https:\\\u002F\\\u002Fwww.farber.ca\\\u002Fwp-content\\\u002Fuploads\\\u002F2024\\\u002F06\\\u002Ficons8-timeline.svg\",\"medium-width\":300,\"medium-height\":300,\"mediumLarge\":\"https:\\\u002F\\\u002Fwww.farber.ca\\\u002Fwp-content\\\u002Fuploads\\\u002F2024\\\u002F06\\\u002Ficons8-timeline.svg\",\"mediumLarge-width\":768,\"mediumLarge-height\":768,\"large\":\"https:\\\u002F\\\u002Fwww.farber.ca\\\u002Fwp-content\\\u002Fuploads\\\u002F2024\\\u002F06\\\u002Ficons8-timeline.svg\",\"large-width\":1024,\"large-height\":1024,\"1536x1536\":\"https:\\\u002F\\\u002Fwww.farber.ca\\\u002Fwp-content\\\u002Fuploads\\\u002F2024\\\u002F06\\\u002Ficons8-timeline.svg\",\"1536x1536-width\":96,\"1536x1536-height\":96,\"2048x2048\":\"https:\\\u002F\\\u002Fwww.farber.ca\\\u002Fwp-content\\\u002Fuploads\\\u002F2024\\\u002F06\\\u002Ficons8-timeline.svg\",\"2048x2048-width\":96,\"2048x2048-height\":96,\"gform-image-choice-sm\":\"https:\\\u002F\\\u002Fwww.farber.ca\\\u002Fwp-content\\\u002Fuploads\\\u002F2024\\\u002F06\\\u002Ficons8-timeline.svg\",\"gform-image-choice-sm-width\":96,\"gform-image-choice-sm-height\":96,\"gform-image-choice-md\":\"https:\\\u002F\\\u002Fwww.farber.ca\\\u002Fwp-content\\\u002Fuploads\\\u002F2024\\\u002F06\\\u002Ficons8-timeline.svg\",\"gform-image-choice-md-width\":96,\"gform-image-choice-md-height\":96,\"gform-image-choice-lg\":\"https:\\\u002F\\\u002Fwww.farber.ca\\\u002Fwp-content\\\u002Fuploads\\\u002F2024\\\u002F06\\\u002Ficons8-timeline.svg\",\"gform-image-choice-lg-width\":96,\"gform-image-choice-lg-height\":96},\"relativeUrl\":\"\\\u002Fwp-content\\\u002Fuploads\\\u002F2024\\\u002F06\\\u002Ficons8-timeline.svg\"},\"text\":\"Make a plan to help regain control of your money\"},{\"icon\":{\"iD\":3328,\"id\":3328,\"title\":\"icons8-low-price\",\"filename\":\"icons8-low-price.svg\",\"filesize\":1888,\"url\":\"https:\\\u002F\\\u002Fwww.farber.ca\\\u002Fwp-content\\\u002Fuploads\\\u002F2024\\\u002F06\\\u002Ficons8-low-price.svg\",\"link\":\"\\\u002F?attachment_id=3328\",\"alt\":\"\",\"author\":\"6\",\"description\":\"\",\"caption\":\"\",\"name\":\"icons8-low-price\",\"status\":\"inherit\",\"uploadedTo\":348,\"date\":\"2024-07-22 09:49:42\",\"modified\":\"2024-07-22 09:49:42\",\"menuOrder\":0,\"mimeType\":\"image\\\u002Fsvg+xml\",\"type\":\"image\",\"subtype\":\"svg+xml\",\"icon\":\"\\\u002Fwp-includes\\\u002Fimages\\\u002Fmedia\\\u002Fdefault.png\",\"width\":96,\"height\":96,\"sizes\":{\"thumbnail\":\"https:\\\u002F\\\u002Fwww.farber.ca\\\u002Fwp-content\\\u002Fuploads\\\u002F2024\\\u002F06\\\u002Ficons8-low-price.svg\",\"thumbnail-width\":150,\"thumbnail-height\":150,\"medium\":\"https:\\\u002F\\\u002Fwww.farber.ca\\\u002Fwp-content\\\u002Fuploads\\\u002F2024\\\u002F06\\\u002Ficons8-low-price.svg\",\"medium-width\":300,\"medium-height\":300,\"mediumLarge\":\"https:\\\u002F\\\u002Fwww.farber.ca\\\u002Fwp-content\\\u002Fuploads\\\u002F2024\\\u002F06\\\u002Ficons8-low-price.svg\",\"mediumLarge-width\":768,\"mediumLarge-height\":768,\"large\":\"https:\\\u002F\\\u002Fwww.farber.ca\\\u002Fwp-content\\\u002Fuploads\\\u002F2024\\\u002F06\\\u002Ficons8-low-price.svg\",\"large-width\":1024,\"large-height\":1024,\"1536x1536\":\"https:\\\u002F\\\u002Fwww.farber.ca\\\u002Fwp-content\\\u002Fuploads\\\u002F2024\\\u002F06\\\u002Ficons8-low-price.svg\",\"1536x1536-width\":96,\"1536x1536-height\":96,\"2048x2048\":\"https:\\\u002F\\\u002Fwww.farber.ca\\\u002Fwp-content\\\u002Fuploads\\\u002F2024\\\u002F06\\\u002Ficons8-low-price.svg\",\"2048x2048-width\":96,\"2048x2048-height\":96,\"gform-image-choice-sm\":\"https:\\\u002F\\\u002Fwww.farber.ca\\\u002Fwp-content\\\u002Fuploads\\\u002F2024\\\u002F06\\\u002Ficons8-low-price.svg\",\"gform-image-choice-sm-width\":96,\"gform-image-choice-sm-height\":96,\"gform-image-choice-md\":\"https:\\\u002F\\\u002Fwww.farber.ca\\\u002Fwp-content\\\u002Fuploads\\\u002F2024\\\u002F06\\\u002Ficons8-low-price.svg\",\"gform-image-choice-md-width\":96,\"gform-image-choice-md-height\":96,\"gform-image-choice-lg\":\"https:\\\u002F\\\u002Fwww.farber.ca\\\u002Fwp-content\\\u002Fuploads\\\u002F2024\\\u002F06\\\u002Ficons8-low-price.svg\",\"gform-image-choice-lg-width\":96,\"gform-image-choice-lg-height\":96},\"relativeUrl\":\"\\\u002Fwp-content\\\u002Fuploads\\\u002F2024\\\u002F06\\\u002Ficons8-low-price.svg\"},\"text\":\"Start lowering your debt and easing your stress\"}],\"showArrows\":true,\"anchorId\":\"\"}]},{\"fieldGroupName\":\"ArticleCards\",\"heading\":\"The truth about debt\",\"cards\":[{\"ID\":2484,\"post_author\":\"6\",\"post_date\":\"2017-12-04 21:52:00\",\"post_date_gmt\":\"2017-12-05 02:52:00\",\"post_content\":\"\u003C!-- wp:heading -->\\r\\n\u003Ch2 id=\\\"h-truly-understanding-your-debt\\\">Truly Understanding Your Debt\u003C\\\u002Fh2>\\r\\n\u003C!-- \\\u002Fwp:heading -->\\r\\n\\r\\n\u003C!-- wp:paragraph -->\\r\\n\u003Cp>If you have a lot of debt, you may find it difficult to deal with it all. In fact, one problem that many people have is that they don\\u2019t know exactly how much they owe and who they owe it to. Because of this, they\\u2019re also not entirely aware of how long it will take them to repay their debt, how much interest they are paying, and several other aspects of their debt. This makes coming up with a plan difficult.\u003C\\\u002Fp>\\r\\n\u003C!-- \\\u002Fwp:paragraph -->\\r\\n\\r\\n\u003C!-- wp:paragraph -->\\r\\n\u003Cp>Knowing as much as possible about your debt is important. The more you know, and the more information you have, and this makes it easier to come up with a strategy for reducing your debt and ultimately living debt free. Unfortunately, many financial institutions and creditors do not make it easy to find out all of the information you need. Plus, even when they do provide the information, they sometimes do so in a manner that isn\\u2019t completely clear and easy to understand.\u003C\\\u002Fp>\\r\\n\u003C!-- \\\u002Fwp:paragraph -->\\r\\n\\r\\n\u003C!-- wp:paragraph -->\\r\\n\u003Cp>While it\\u2019s easy to lose track of how much you owe, it\\u2019s important to keep as much track of your debt as possible. Here are some tips for figuring out how much you owe and who you owe it to.\u003C\\\u002Fp>\\r\\n\u003C!-- \\\u002Fwp:paragraph -->\\r\\n\\r\\n\u003C!-- wp:heading {\\\"level\\\":3} -->\\r\\n\u003Ch3 id=\\\"h-get-a-copy-of-your-credit-report\\\">Get a Copy of Your Credit Report\u003C\\\u002Fh3>\\r\\n\u003C!-- \\\u002Fwp:heading -->\\r\\n\\r\\n\u003C!-- wp:paragraph -->\\r\\n\u003Cp>Everyone who has borrowed money in Canada or applied for a credit card has a credit report. Your credit report lists any loan that you have taken out in the last six years. Public record items, such as civil claim judgments and tax liens, will also be listed on your credit report.\u003C\\\u002Fp>\\r\\n\u003C!-- \\\u002Fwp:paragraph -->\\r\\n\\r\\n\u003C!-- wp:paragraph -->\\r\\n\u003Cp>You can get a free copy of your credit report mailed to you by requesting it from the major credit bureaus in Canada: TransUnion and Equifax. If you want an online report, you will need to pay.\u003C\\\u002Fp>\\r\\n\u003C!-- \\\u002Fwp:paragraph -->\\r\\n\\r\\n\u003C!-- wp:paragraph -->\\r\\n\u003Cp>Note that your credit report will only include information that is reported to the credit bureaus. Sometimes, a lender may not report an account to a credit bureau right away. Also, some lenders will only report to one credit bureau, so the information that TransUnion has may be different from the information held by Equifax.\u003C\\\u002Fp>\\r\\n\u003C!-- \\\u002Fwp:paragraph -->\\r\\n\\r\\n\u003C!-- wp:paragraph -->\\r\\n\u003Cp>However, getting a copy of your credit report is a good start and it can help you find out who you owe money to. This is a great start to getting control of your debt situation.\u003C\\\u002Fp>\\r\\n\u003C!-- \\\u002Fwp:paragraph -->\\r\\n\\r\\n\u003C!-- wp:heading {\\\"level\\\":3} -->\\r\\n\u003Ch3 id=\\\"h-review-your-credit-card-statements-and-bills\\\">Review your Credit Card Statements and Bills\u003C\\\u002Fh3>\\r\\n\u003C!-- \\\u002Fwp:heading -->\\r\\n\\r\\n\u003C!-- wp:paragraph -->\\r\\n\u003Cp>Go through all of your credit card statements and see how much you currently owe. You may be able to do this online. It\\u2019s important that you check your statements, even if you have also received a copy of your credit report. This is because, even if your credit report lists your outstanding balances, this information could be out-of-date. Getting the information straight from the credit card company will give you the most up-to-date information.\u003C\\\u002Fp>\\r\\n\u003C!-- \\\u002Fwp:paragraph -->\\r\\n\\r\\n\u003C!-- wp:paragraph -->\\r\\n\u003Cp>You\\u2019ll also want to check your cable bills, phone bills, car loans, etc. to see how much you owe. If you don\\u2019t have this information available, contact the creditors and ask them for updated details on your account.\u003C\\\u002Fp>\\r\\n\u003C!-- \\\u002Fwp:paragraph -->\\r\\n\\r\\n\u003C!-- wp:heading {\\\"level\\\":3} -->\\r\\n\u003Ch3 id=\\\"h-call-your-creditors\\\">Call Your Creditors\u003C\\\u002Fh3>\\r\\n\u003C!-- \\\u002Fwp:heading -->\\r\\n\\r\\n\u003C!-- wp:paragraph -->\\r\\n\u003Cp>Even if you already have up-to-date information on each of your debts, you may still want to call your creditors to find out more details. However, contacting your creditors is very important if you don\\u2019t know how much you owe, or if you see a debt on your credit report that you don\\u2019t recognize.\u003C\\\u002Fp>\\r\\n\u003C!-- \\\u002Fwp:paragraph -->\\r\\n\\r\\n\u003C!-- wp:paragraph -->\\r\\n\u003Cp>It may be difficult to get the information you\\u2019re looking for from some creditors, but keep digging. Don\\u2019t let them brush you off easily.\u003C\\\u002Fp>\\r\\n\u003C!-- \\\u002Fwp:paragraph -->\\r\\n\\r\\n\u003C!-- wp:heading {\\\"level\\\":3} -->\\r\\n\u003Ch3 id=\\\"h-check-for-errors\\\">Check for Errors\u003C\\\u002Fh3>\\r\\n\u003C!-- \\\u002Fwp:heading -->\\r\\n\\r\\n\u003C!-- wp:paragraph -->\\r\\n\u003Cp>There are several places where there could be errors when it comes to your debts. One is in your credit report. Yes, it\\u2019s certainly possible that the information in your credit report could be wrong. Sometimes information is entered incorrectly or changes are not represented accurately. If you do find errors in your report, it\\u2019s important that you correct them by contacting the credit bureau.\u003C\\\u002Fp>\\r\\n\u003C!-- \\\u002Fwp:paragraph -->\\r\\n\\r\\n\u003C!-- wp:paragraph -->\\r\\n\u003Cp>There could also be errors with your creditors themselves. For example, you may have made a payment that is not reflected accurately on your account. You\\u2019ll likely have to show the creditor proof that you made the payment for them to make the change on their end.\u003C\\\u002Fp>\\r\\n\u003C!-- \\\u002Fwp:paragraph -->\\r\\n\\r\\n\u003C!-- wp:paragraph -->\\r\\n\u003Cp>The possibility of errors existing is another reason why it\\u2019s so important to keep track of your debt.\u003C\\\u002Fp>\\r\\n\u003C!-- \\\u002Fwp:paragraph -->\\r\\n\\r\\n\u003C!-- wp:heading {\\\"level\\\":3} -->\\r\\n\u003Ch3 id=\\\"h-make-a-plan\\\">Make a Plan\u003C\\\u002Fh3>\\r\\n\u003C!-- \\\u002Fwp:heading -->\\r\\n\\r\\n\u003C!-- wp:paragraph -->\\r\\n\u003Cp>Once you know how much you owe, and who you owe it to, it\\u2019s time to make a plan for reducing your debt. Here are some \u003Ca href=\\\"\\\u002Fblog\\\u002Fhow-to-build-a-budget-to-get-out-of-debt\\\">tips on creating a budget\u003C\\\u002Fa> and paying down your debt that could help you.\u003C\\\u002Fp>\\r\\n\u003C!-- \\\u002Fwp:paragraph -->\",\"post_title\":\"Figuring Out How Much You Owe? Here Is How to Get Started\",\"post_excerpt\":\"\",\"post_status\":\"publish\",\"comment_status\":\"closed\",\"ping_status\":\"closed\",\"post_password\":\"\",\"post_name\":\"figuring-out-how-much-you-owe\",\"to_ping\":\"\",\"pinged\":\"\",\"post_modified\":\"2025-01-10 07:30:04\",\"post_modified_gmt\":\"2025-01-10 12:30:04\",\"post_content_filtered\":\"\",\"post_parent\":0,\"guid\":\"https:\\\u002F\\\u002Fwww.farber.ca\\\u002Fblog\\\u002Ffiguring-out-how-much-you-owe\\\u002F\",\"menu_order\":0,\"post_type\":\"blog\",\"post_mime_type\":\"\",\"comment_count\":\"0\",\"filter\":\"raw\"},{\"ID\":2464,\"post_author\":\"6\",\"post_date\":\"2019-10-17 18:28:56\",\"post_date_gmt\":\"2019-10-17 22:28:56\",\"post_content\":\"\u003C!-- wp:heading -->\\r\\n\u003Ch2 id=\\\"h-how-to-deal-with-debt-stress-and-anxiety\\\">How to Deal with Debt Stress and Anxiety\u003C\\\u002Fh2>\\r\\n\u003C!-- \\\u002Fwp:heading -->\\r\\n\\r\\n\u003C!-- wp:paragraph -->\\r\\n\u003Cp>Debt can be stressful. It can keep you up at night, leave you afraid of answering the phone or opening the door, make it tough to eat, cause you to stop socializing with friends, make it difficult to focus at work, and much more. Debt can be overwhelming and the more debt you have, the more stressed out and hopeless you may feel. Being worried about your finances and your future can have a very negative affect on your life. Here are some tips for how to cope if you feel overwhelmed by\\u00a0\u003Ca href=\\\"\\\u002Fblog\\\u002Fdebt-consolidation-loans-the-myth-versus-the-reality\\\u002F\\\">debt\u003C\\\u002Fa>.\u003C\\\u002Fp>\\r\\n\u003C!-- \\\u002Fwp:paragraph -->\\r\\n\\r\\n\u003C!-- wp:heading {\\\"level\\\":3} -->\\r\\n\u003Ch3 id=\\\"h-stop-adding-on-more-debt\\\">Stop Adding on More Debt\u003C\\\u002Fh3>\\r\\n\u003C!-- \\\u002Fwp:heading -->\\r\\n\\r\\n\u003C!-- wp:paragraph -->\\r\\n\u003Cp>If you\\u2019re overwhelmed by debt, you\\u2019ll need to make sure that you\\u2019re not making your problem worse every month. This means that you\\u2019ll need to stop using your credit cards and start living on cash. Otherwise, every month you could potentially be adding on new debt and making your overall debt problem worse.\u003C\\\u002Fp>\\r\\n\u003C!-- \\\u002Fwp:paragraph -->\\r\\n\\r\\n\u003C!-- wp:paragraph -->\\r\\n\u003Cp>To live on cash, you\\u2019ll have to have a firm budget and you\\u2019ll need to stick with it. This can be difficult to do at first, but it\\u2019s necessary. Track your spending, keep an eye on your bank balance, and make sure you don\\u2019t run out of money before you get paid again.\u003C\\\u002Fp>\\r\\n\u003C!-- \\\u002Fwp:paragraph -->\\r\\n\\r\\n\u003C!-- wp:heading {\\\"level\\\":3} -->\\r\\n\u003Ch3 id=\\\"h-understand-your-situation\\\">Understand your Situation\u003C\\\u002Fh3>\\r\\n\u003C!-- \\\u002Fwp:heading -->\\r\\n\\r\\n\u003C!-- wp:paragraph -->\\r\\n\u003Cp>If you have a lot of debt, it can be difficult to sit down and look at the real numbers. A lot of people avoid looking at their bills and statements because it stresses them out. That\\u2019s understandable. However, if you don\\u2019t know how much you owe, when you have to pay it, and who you have to pay it to, you\\u2019ll never be able to come up with a solution.\u003C\\\u002Fp>\\r\\n\u003C!-- \\\u002Fwp:paragraph -->\\r\\n\\r\\n\u003C!-- wp:paragraph -->\\r\\n\u003Cp>Take some time when are feeling positive and motivated and make a list of your debts, including information on the creditors you owe money to, the amount of each debt, the interest rates you are expected to pay, the monthly payment amounts, your bill due dates, and all other important information. This will give you a strong picture of your debt. You can then use this information to come up with a plan.\u003C\\\u002Fp>\\r\\n\u003C!-- \\\u002Fwp:paragraph -->\\r\\n\\r\\n\u003C!-- wp:heading {\\\"level\\\":3} -->\\r\\n\u003Ch3 id=\\\"h-come-up-with-a-plan\\\">Come Up with a Plan\u003C\\\u002Fh3>\\r\\n\u003C!-- \\\u002Fwp:heading -->\\r\\n\\r\\n\u003C!-- wp:paragraph -->\\r\\n\u003Cp>One reason that debt can feel so overwhelming is that it seems like a problem with no solution. If you have a large amount of debt, it\\u2019s easy to feel like the situation is hopeless and that there\\u2019s no end. While this can make you feel like there\\u2019s no point in trying, the only way to truly make yourself feel better is to come up with a plan to resolve your debt issues. As long as you continue to have debt, you\\u2019ll continue to feel stressed.\u003C\\\u002Fp>\\r\\n\u003C!-- \\\u002Fwp:paragraph -->\\r\\n\\r\\n\u003C!-- wp:paragraph -->\\r\\n\u003Cp>Sit down and look at all of your statements, determine how much you need to pay each month and when each bill is due. You\\u2019ll then need to come up with a plan for paying off as much as you can.\u003C\\\u002Fp>\\r\\n\u003C!-- \\\u002Fwp:paragraph -->\\r\\n\\r\\n\u003C!-- wp:paragraph -->\\r\\n\u003Cp>Look at your budget and see if you can fit the required payments into your monthly plan. If not, you\\u2019ll need to make cuts. If you\\u2019ve reduced your spending as much as possible, and you\\u2019re still not able to pay off your bills as they become due, you\\u2019ll either need to earn more money or find a way to owe less.\u003C\\\u002Fp>\\r\\n\u003C!-- \\\u002Fwp:paragraph -->\\r\\n\\r\\n\u003C!-- wp:paragraph -->\\r\\n\u003Cp>Taking on a side job, asking your work for overtime hours, or selling off some items you no longer need can help you earn a bit more money, and this could make managing your debt easier.\u003C\\\u002Fp>\\r\\n\u003C!-- \\\u002Fwp:paragraph -->\\r\\n\\r\\n\u003C!-- wp:paragraph -->\\r\\n\u003Cp>Speaking to your creditors might help you reduce your monthly payments, depending on how much you owe, your credit history, and your relationship with your creditors. If you call your creditors and let them know that you\\u2019re struggling to make payments, they may reduce the amount of interest you\\u2019re expected to pay or give you more time to pay down your debts (which will lower the monthly payments). This is because most creditors would rather get something than have you default on the loan. However, know that creditors are under no obligation to negotiate with you.\u003C\\\u002Fp>\\r\\n\u003C!-- \\\u002Fwp:paragraph -->\\r\\n\\r\\n\u003C!-- wp:heading {\\\"level\\\":3} -->\\r\\n\u003Ch3 id=\\\"h-get-support-and-help\\\">Get Support and Help\u003C\\\u002Fh3>\\r\\n\u003C!-- \\\u002Fwp:heading -->\\r\\n\\r\\n\u003C!-- wp:paragraph -->\\r\\n\u003Cp>Debt can be tough to deal with on your own. Having supportive friends and family can help keep your spirits up, keep you feeling motivated, and prevent you from feeling overwhelmed by debt.\u003C\\\u002Fp>\\r\\n\u003C!-- \\\u002Fwp:paragraph -->\\r\\n\\r\\n\u003C!-- wp:paragraph -->\\r\\n\u003Cp>If you are struggling with debt and you\\u2019ve been unable to come up with a plan to pay off what you owe, you may wish to consider speaking with a financial professional. For instance, a Licensed Insolvency Trustee can review your situation and provide you with details on the solutions available to you. This can help you resolve your debt and reduce your stress and anxiety.\u003C\\\u002Fp>\\r\\n\u003C!-- \\\u002Fwp:paragraph -->\",\"post_title\":\"Overwhelmed by Debt? Learn How to Get Back on Track\",\"post_excerpt\":\"\",\"post_status\":\"publish\",\"comment_status\":\"closed\",\"ping_status\":\"closed\",\"post_password\":\"\",\"post_name\":\"overwhelmed-with-debt\",\"to_ping\":\"\",\"pinged\":\"\",\"post_modified\":\"2025-01-10 07:29:52\",\"post_modified_gmt\":\"2025-01-10 12:29:52\",\"post_content_filtered\":\"\",\"post_parent\":0,\"guid\":\"https:\\\u002F\\\u002Fwww.farber.ca\\\u002Fblog\\\u002Fwhat-to-do-if-you-feel-overwhelmed-by-debt\\\u002F\",\"menu_order\":0,\"post_type\":\"blog\",\"post_mime_type\":\"\",\"comment_count\":\"0\",\"filter\":\"raw\"},{\"ID\":2474,\"post_author\":\"6\",\"post_date\":\"2019-02-16 00:22:00\",\"post_date_gmt\":\"2019-02-16 05:22:00\",\"post_content\":\"\u003C!-- wp:heading -->\\r\\n\u003Ch2 id=\\\"h-stop-debt-from-ruining-your-sleep\\\">Stop Debt from Ruining Your Sleep\u003C\\\u002Fh2>\\r\\n\u003C!-- \\\u002Fwp:heading -->\\r\\n\\r\\n\u003C!-- wp:paragraph -->\\r\\n\u003Cp>Debt is incredibly stressful. When you have high levels of debt, creditors calling, and bills adding up, it becomes tough to live the rest of your life. It\\u2019s hard to eat well, focus at work, and get a good night\\u2019s sleep. It\\u2019s common for people with debt to have trouble falling asleep, or to find themselves waking up in the middle of the night anxious about their debt.\u003C\\\u002Fp>\\r\\n\u003C!-- \\\u002Fwp:paragraph -->\\r\\n\\r\\n\u003C!-- wp:paragraph -->\\r\\n\u003Cp>Losing sleep over debt is common, and it is very bad for your health. When you don\\u2019t get enough sleep, it becomes more difficult to focus and it\\u2019s harder to live a healthy lifestyle. Not sleeping well negatively affects nearly every aspect of your life.\u003C\\\u002Fp>\\r\\n\u003C!-- \\\u002Fwp:paragraph -->\\r\\n\\r\\n\u003C!-- wp:paragraph -->\\r\\n\u003Cp>If you\\u2019re having trouble sleeping because of your debt, here are some tips that could help you.\u003C\\\u002Fp>\\r\\n\u003C!-- \\\u002Fwp:paragraph -->\\r\\n\\r\\n\u003C!-- wp:heading {\\\"level\\\":3} -->\\r\\n\u003Ch3 id=\\\"h-recognize-your-situation\\\">Recognize your Situation\u003C\\\u002Fh3>\\r\\n\u003C!-- \\\u002Fwp:heading -->\\r\\n\\r\\n\u003C!-- wp:paragraph -->\\r\\n\u003Cp>One of the first things you can do is recognize that you have a debt problem and that your debt is what\\u2019s keeping you up at night. There are many different symptoms of a debt issue, but here are a few common ones:\u003C\\\u002Fp>\\r\\n\u003C!-- \\\u002Fwp:paragraph -->\\r\\n\\r\\n\u003C!-- wp:list -->\\r\\n\u003Cul>\\r\\n\u003Cli>You miss debt payments\u003C\\\u002Fli>\\r\\n\u003Cli>You\\u2019re not sure how much debt you have\u003C\\\u002Fli>\\r\\n\u003Cli>You\\u2019re receiving calls from creditors or collection agencies\u003C\\\u002Fli>\\r\\n\u003Cli>You\\u2019ve used one credit card to pay off another\u003C\\\u002Fli>\\r\\n\u003Cli>You have no savings\u003C\\\u002Fli>\\r\\n\u003Cli>You can\\u2019t afford living expenses without using a credit card\u003C\\\u002Fli>\\r\\n\u003C\\\u002Ful>\\r\\n\u003C!-- \\\u002Fwp:list -->\\r\\n\\r\\n\u003C!-- wp:paragraph -->\\r\\n\u003Cp>If any of these signs apply to you, and you\\u2019re having trouble sleeping, it could be due to a debt problem. Recognizing this is the first step towards solving it.\u003C\\\u002Fp>\\r\\n\u003C!-- \\\u002Fwp:paragraph -->\\r\\n\\r\\n\u003C!-- wp:heading {\\\"level\\\":3} -->\\r\\n\u003Ch3 id=\\\"h-deal-with-debt-during-the-day\\\">Deal with Debt During the Day\u003C\\\u002Fh3>\\r\\n\u003C!-- \\\u002Fwp:heading -->\\r\\n\\r\\n\u003C!-- wp:paragraph -->\\r\\n\u003Cp>Trying to solve your debt problems in the middle of the night, or right before you go to sleep, isn\\u2019t productive. When you\\u2019re tired or stressed, you\\u2019re more likely to feel anxiety and worry, which can make it more difficult to fall asleep.\u003C\\\u002Fp>\\r\\n\u003C!-- \\\u002Fwp:paragraph -->\\r\\n\\r\\n\u003C!-- wp:paragraph -->\\r\\n\u003Cp>Instead, try to come up with a plan during the day. Set aside a few minutes in the morning or on the weekend when you\\u2019re feeling refreshed and calm to look at your finances. Avoid paying bills right before bed as well, as this can cause you stress. Handle this task in the daytime so it doesn\\u2019t keep you up at night.\u003C\\\u002Fp>\\r\\n\u003C!-- \\\u002Fwp:paragraph -->\\r\\n\\r\\n\u003C!-- wp:heading {\\\"level\\\":3} -->\\r\\n\u003Ch3 id=\\\"h-understand-your-debt\\\">Understand your Debt\u003C\\\u002Fh3>\\r\\n\u003C!-- \\\u002Fwp:heading -->\\r\\n\\r\\n\u003C!-- wp:paragraph -->\\r\\n\u003Cp>A major reason why debt is so stressful for many people is because of the fear of the unknown. When you have a lot of debt, it\\u2019s common to stop paying attention to your bills. If you can\\u2019t pay them, you might not even open them. You might avoid answering your phone as well, in fear of having to deal with another creditor.\u003C\\\u002Fp>\\r\\n\u003C!-- \\\u002Fwp:paragraph -->\\r\\n\\r\\n\u003C!-- wp:paragraph -->\\r\\n\u003Cp>However, avoiding your debt doesn\\u2019t improve your situation. In fact, it makes it worse. Instead, set some time aside to look at all of your bill statements. See how much you owe and how much your debt is costing you. Even if it turns out that the situation is worse than you expected, once you know the facts, you can start coming up with a plan.\u003C\\\u002Fp>\\r\\n\u003C!-- \\\u002Fwp:paragraph -->\\r\\n\\r\\n\u003C!-- wp:heading {\\\"level\\\":3} -->\\r\\n\u003Ch3 id=\\\"h-come-up-with-a-plan\\\">Come Up with a Plan\u003C\\\u002Fh3>\\r\\n\u003C!-- \\\u002Fwp:heading -->\\r\\n\\r\\n\u003C!-- wp:paragraph -->\\r\\n\u003Cp>Debt can be stressful because it often feels uncontrollable. You might think that there\\u2019s nothing you can do to solve your issues. Taking the time to come up with a plan can help calm your mind, focus your efforts,\\u00a0 \u003Ca href=\\\"https:\\\u002F\\\u002Fwww.afarber.com\\\u002Fblog\\\u002Fcreating-a-plan-to-become-debt-free\\\u002F\\\">reduce your debt\u003C\\\u002Fa> issues, and help you sleep.\u003C\\\u002Fp>\\r\\n\u003C!-- \\\u002Fwp:paragraph -->\\r\\n\\r\\n\u003C!-- wp:paragraph -->\\r\\n\u003Cp>A good place to start is by making a budget or, if you already have one, reviewing and revising your budget. Calculate all of your monthly costs, including debt repayment costs, and then come up with a way that you can afford everything on your current income. You may need to make some cuts to several expenses to make it work, but once you come up with a budget that works for you, you\\u2019ll be in a much better financial (and emotional) state.\u003C\\\u002Fp>\\r\\n\u003C!-- \\\u002Fwp:paragraph -->\\r\\n\\r\\n\u003C!-- wp:heading {\\\"level\\\":3} -->\\r\\n\u003Ch3 id=\\\"h-make-small-moves\\\">Make Small Moves\u003C\\\u002Fh3>\\r\\n\u003C!-- \\\u002Fwp:heading -->\\r\\n\\r\\n\u003C!-- wp:paragraph -->\\r\\n\u003Cp>Small things matter. Vow to stop using your credit card, decide to put money aside each month for savings, or to make the decision to cancel various subscription services (streaming services, gym memberships, etc.). These are small moves, but they certainly add up and making these moves will help you feel more in control, which will make it easier to sleep at night.\u003C\\\u002Fp>\\r\\n\u003C!-- \\\u002Fwp:paragraph -->\\r\\n\\r\\n\u003C!-- wp:heading {\\\"level\\\":3} -->\\r\\n\u003Ch3 id=\\\"h-get-help\\\">Get Help\u003C\\\u002Fh3>\\r\\n\u003C!-- \\\u002Fwp:heading -->\\r\\n\\r\\n\u003C!-- wp:paragraph -->\\r\\n\u003Cp>If you\\u2019re struggling with debt and you\\u2019ve tried to come up with a budget, but you can\\u2019t make things work, know that there are options. Speaking with a licensed insolvency trustee can help you understand the choices that are available to you and help you resolve your debt issues.\u003C\\\u002Fp>\\r\\n\u003C!-- \\\u002Fwp:paragraph -->\",\"post_title\":\"Practical Tips to Stop Debt From Keeping You All Night\",\"post_excerpt\":\"\",\"post_status\":\"publish\",\"comment_status\":\"closed\",\"ping_status\":\"closed\",\"post_password\":\"\",\"post_name\":\"how-to-stop-debt-from-keeping-you-up-all-night\",\"to_ping\":\"\",\"pinged\":\"\",\"post_modified\":\"2025-01-10 07:43:16\",\"post_modified_gmt\":\"2025-01-10 12:43:16\",\"post_content_filtered\":\"\",\"post_parent\":0,\"guid\":\"https:\\\u002F\\\u002Fwww.farber.ca\\\u002Fblog\\\u002Fhow-to-stop-debt-from-keeping-you-up-all-night\\\u002F\",\"menu_order\":0,\"post_type\":\"blog\",\"post_mime_type\":\"\",\"comment_count\":\"0\",\"filter\":\"raw\"},{\"ID\":2473,\"post_author\":\"6\",\"post_date\":\"2019-03-02 00:47:36\",\"post_date_gmt\":\"2019-03-02 05:47:36\",\"post_content\":\"Debt can feel like a never-ending weight on your shoulders, dragging you down no matter how hard you try to get ahead. If you are feeling like it is all just too much debt to handle, take a deep breath\\u2014you are not alone in this. It is easy to feel overwhelmed, but there is always a way forward. Whether it is juggling credit cards, loans, or everyday bills, you have options to get back in control.\\r\\n\\r\\nToday, we will cover what to do if you have too much debt to handle. We will go over the signs of unmanageable debt, steps to take when you are overwhelmed by debt, the psychological impact of debt, and how our team at Farber can help you. Let\\u2019s get into it.\\r\\n\u003Ch2 aria-level=\\\"2\\\">Recognizing the Signs of Unmanageable Debt\u003C\\\u002Fh2>\\r\\nBefore you can tackle your debt, it is important to recognize the signs that it may be too much to handle. If any of the following resonate with you, it might be time to consider \u003Ca href=\\\"https:\\\u002F\\\u002Fwww.farber.ca\\\u002Fdebt-relief\\\">debt-relief options\u003C\\\u002Fa>:\\r\\n\u003Cul>\\r\\n \\t\u003Cli>You consistently miss or are late on payments\u003C\\\u002Fli>\\r\\n \\t\u003Cli>Your credit card balances never seem to go down\u003C\\\u002Fli>\\r\\n \\t\u003Cli>You rely on credit to cover basic living expenses\u003C\\\u002Fli>\\r\\n \\t\u003Cli>You feel overwhelmed just thinking about your debt\u003C\\\u002Fli>\\r\\n \\t\u003Cli>\u003Ca href=\\\"\\\u002Fblog\\\u002Fhow-long-can-a-collection-agency-pursue-debt\\\">You receive frequent calls or letters from creditors or collection agencies.\u003C\\\u002Fa>\u003C\\\u002Fli>\\r\\n\u003C\\\u002Ful>\\r\\nRecognizing the signs early can allow you to take proactive steps before the debt becomes unmanageable. Whether only one or all of them resonate with you, that is ok. It is never too late or too early to tackle your debt. We are here to support you on your journey.\\r\\n\u003Ch2 aria-level=\\\"2\\\">Steps to Take When Overwhelmed by Debt\u003C\\\u002Fh2>\\r\\nIf you are already feeling like you have too much debt to handle, do not panic \\u2014 there are immediate steps you can take to start addressing the problem.\\r\\n\u003Ch3 aria-level=\\\"3\\\">Make A Note of Where You Are At\u003C\\\u002Fh3>\\r\\nThe first thing you need to do when you are feeling overwhelmed by debt is to get a clear view of your financial situation. It might not be fun, but it is necessary.\\r\\n\\r\\n\u003Ca href=\\\"\\\u002Fblog\\\u002Favoiding-bad-debt\\\">Start by listing out all your debts\u003C\\\u002Fa> \\u2014 this includes things like balances, interest rates, and due dates. Whether you prefer writing it down on paper or making a simple spreadsheet, this step will give you a clearer picture of what you are dealing with.\\r\\n\\r\\nBe sure to include debts like credit card balances, student loans, auto loans, or payday loans. Writing down the interest rates and payment dates for each will be helpful and give you a clear idea of when payments are expected and how much is due. You will also be able to see how much interest is building up for each one.\\r\\n\u003Ch3 aria-level=\\\"3\\\">Put Your Debts in Order\u003C\\\u002Fh3>\\r\\nOnce you have all your debts in front of you, it is time to prioritize. You can do this in a couple of ways. Some people like to focus on the debts with the highest interest rates first, so they stop growing out of control. This method is called the avalanche method.\\r\\n\\r\\nOthers prefer to start with the smaller debts, also known as the \u003Ca href=\\\"\\\u002Fblog\\\u002Fdebt-snowball-method\\\">snowball method\u003C\\\u002Fa>. This method means knocking out the smaller debts first to build momentum and feel a sense of progress. The more debts you pay off, the more it snowballs, and the sense of accomplishment grows!\\r\\n\\r\\nYou can pick whichever one will work the best for you or feels less overwhelming. Either way, you will be making progress toward paying off your debts and repairing your relationship with money in the long run.\\r\\n\u003Ch3 aria-level=\\\"3\\\">Build a Budget (and Stick to It)\u003C\\\u002Fh3>\\r\\nA \u003Ca href=\\\"\\\u002Fblog\\\u002Fhow-to-build-a-budget-to-get-out-of-debt\\\">budget is your best friend when it comes to managing debt\u003C\\\u002Fa>. Take a look at your income and expenses. Be sure to include your fixed expenses, like rent and utilities. You will want to also include your variable expenses, which are the expenses that can vary from month to month. This includes entertainment or dining out.\\r\\n\\r\\nFrom there, you can start building a realistic budget. If you need help figuring out how to structure your budget, there are many free budgeting tools and apps available out there. You can do a quick search and adjust it according to your needs. Your budget can be done with paper and pencil, a spreadsheet, an app on your phone, or whatever tool is more convenient for you!\\r\\n\\r\\nBy having everything listed in front of you, you can see where you can cut expenses and where you can set money aside for paying down your debt. Maybe you can dine out less or cut out subscriptions you are not using much.\\r\\n\\r\\nThere are other ways to help you save money, like using coupons, finding deals, or taking advantage of free rewards programs. For example, you can try calling your phone or internet company during big shopping dates or holidays, such as Black Friday, to negotiate a better plan that will save you money. It will be worth a short even if you can get a few dollars shredded off your monthly bill. Anything helps!\\r\\n\\r\\nWhen to comes to building a budget, you should make it easy enough for you to stick to it. It is important to not make any unrealistic promises to yourself. For example, if you usually spend $500 on dining out and you want to suddenly cut it out completely, it might be too big of a change to your current lifestyle.\\r\\n\\r\\nAny large cuts could easily make you fall back into the spending cycle. Instead, we suggest you make small cuts and increasingly cut more from you spend each month. This will give you time to adjust and get used to the changes.\\r\\n\\r\\nOnce you have a budget set, while it is important to stick to it, you should have room for flexibility as well in case your financial situation changes. This is also why having an emergency fund would be helpful if the unexpected happens, like if you lose your job. So, if you have not already, ensure that part of your budget includes setting money to the side in case of rainy days.\\r\\n\u003Ch3 aria-level=\\\"3\\\">Find Motivation\u003C\\\u002Fh3>\\r\\nSometimes you need a bit of a push to keep yourself on track and think of the bigger picture. It is like having a vision board of everything you want to work towards and achieve. Is that trying to save enough money for a down payment? Or maybe you want to save up to go on a vacation. Whatever motivates you, keep that in mind and use it as an end goal after you pay off your debt.\\r\\n\u003Ch3 aria-level=\\\"2\\\">Explore Debt Repayment Strategies\u003C\\\u002Fh3>\\r\\nNow, let\\u2019s talk about \u003Ca href=\\\"\\\u002Fblog\\\u002Fhow-to-get-out-of-debt-without-filing-for-bankruptcy\\\">strategies you can use to tackle debt,\u003C\\\u002Fa> depending on what works best for your situation. We mentioned a couple above, but we will list them all out for you again:\\r\\n\\r\\n\u003Cstrong>Snowball Method\u003C\\\u002Fstrong>\\r\\n\\r\\nFocus on paying off the smallest debts first, which can give you a psychological boost as you see quick progress. Once you get the smaller debts out of the way, you can then focus on the larger ones.\\r\\n\\r\\n\u003Cstrong>Avalanche Method\u003C\\\u002Fstrong>\\r\\n\\r\\nThe avalanche method focuses on paying off debts with the highest interest rates first to minimize the amount of interest paid over time. Be sure to look at each of your debts and the amount of interest that builds up each month. If the interest is quickly growing for one or more of your debts, maybe you should tackle those first!\\r\\n\\r\\n\u003Cstrong>Balance Transfers and Consolidations\u003C\\\u002Fstrong>\\r\\n\\r\\nIf you have multiple high-interest debts, you can consider \u003Ca href=\\\"\\\u002Fdebt-consolidation\\\">consolidating them into one loan\u003C\\\u002Fa> with a lower interest rate or using a balance transfer to move your debt to a lower-interest card.\\r\\n\\r\\nHowever, this option may not be for everyone and can be hard to qualify for if your credit has already been damaged. This means that you may only qualify for higher interest rate consolidation loans, which could lead to greater financial strain in the long run. We recommend consulting with our team member to understand all your debt-relief options.\\r\\n\\r\\n\u003Cstrong>Debt Management Plans\u003C\\\u002Fstrong>\\r\\n\\r\\nThere are several debt management plans or \u003Ca href=\\\"\\\u002Fdebt-relief\\\">debt-relief solutions\u003C\\\u002Fa> that you can consider, such as consumer proposals, bankruptcy, and as mentioned, debt consolidation. Whichever one you pick will depend on how much debt you have, the type of debt, and other factors related to your financial situation.\\r\\n\\r\\nYou should consider working with the Farber team, to develop a debt management plan that fits your budget and financial goals. Debt is a difficult thing to talk about. We know that it\\u2019s a hard first step to ask for help, but we are committed to helping you find the confidence that comes with leaving your debt behind.\\r\\n\u003Ch3 aria-level=\\\"3\\\">Communicate with Creditors\u003C\\\u002Fh3>\\r\\nWhen you find yourself with too much debt to handle, communication is key. Many creditors are open to negotiation, whether it is lowering interest rates, setting up a payment plan, or even offering temporary relief. Reaching out to creditors can help alleviate some of the pressure and make managing your debt more manageable.\\r\\n\\r\\nIf you are looking for support, you can reach out to a \u003Ca href=\\\"\\\u002Fwhy-a-licensed-insolvency-trustee\\\">Licensed Insolvency Trustee (LIT)\u003C\\\u002Fa> to communicate and negotiate on your behalf. They are licensed and regulated by the Canadian government. They also have in-depth knowledge of Canadian insolvency laws and are authorized to file debt solutions, such as consumer proposals and bankruptcies.\\r\\n\u003Ch2 aria-level=\\\"2\\\">The Psychological Impact of Debt\u003C\\\u002Fh2>\\r\\nIt is no secret that debt does not just impact your finances \\u2014 it can also have a big impact on your mental health. Feeling like you have too much debt to handle can lead to anxiety, stress, and even depression. \u003Ca href=\\\"\\\u002Fblog\\\u002Fhow-to-stop-debt-from-keeping-you-up-all-night\\\">If you are experiencing sleepless nights\u003C\\\u002Fa>, constant worry, or feelings of hopelessness due to your debt, it is important to seek support.\\r\\n\\r\\nWhether it is talking to a loved one, seeking therapy, or connecting with a financial counsellor, addressing the emotional impact of debt is just as important as tackling the financial side. You should not have to do this alone.\\r\\n\u003Ch2 aria-level=\\\"2\\\">Learn How Farber Can Help\u003C\\\u002Fh2>\\r\\nWhen you are facing too much debt to handle, sometimes it\\u2019s best to seek professional help. Farber offers a range of debt relief services designed to help you get back on track. Whether you are interested in consumer proposals or simply want advice on the best way forward, Farber can guide you through the process with compassion and expertise.\\r\\n\\r\\nDebt does not have to control your life. By recognizing the signs of overwhelming debt, taking immediate steps to manage it, and exploring your options for debt relief, you can begin your journey towards tackling your debt and building a better relationship with money\\u2014 so, \u003Ca href=\\\"\\\u002Fbook-a-consultation\\\">book a free consultation with Farber today!\u003C\\\u002Fa>\",\"post_title\":\"Too Much Debt? Here Are Actionable Tips for Getting Relief\",\"post_excerpt\":\"\",\"post_status\":\"publish\",\"comment_status\":\"closed\",\"ping_status\":\"closed\",\"post_password\":\"\",\"post_name\":\"too-much-debt-to-handle\",\"to_ping\":\"\",\"pinged\":\"\",\"post_modified\":\"2025-12-30 06:27:50\",\"post_modified_gmt\":\"2025-12-30 11:27:50\",\"post_content_filtered\":\"\",\"post_parent\":0,\"guid\":\"https:\\\u002F\\\u002Fwww.farber.ca\\\u002Fblog\\\u002Fwhat-can-you-do-if-you-ve-borrowed-too-much-money\\\u002F\",\"menu_order\":0,\"post_type\":\"blog\",\"post_mime_type\":\"\",\"comment_count\":\"0\",\"filter\":\"raw\"},{\"ID\":2422,\"post_author\":\"6\",\"post_date\":\"2023-05-09 16:13:53\",\"post_date_gmt\":\"2023-05-09 20:13:53\",\"post_content\":\"\u003C!-- wp:paragraph -->\\r\\n\u003Cp>Debt is a difficult thing to talk about. Even in 2023, debt is still associated with feelings of shame \\u2013 despite \u003Ca href=\\\"https:\\\u002F\\\u002Fwww.canada.ca\\\u002Fen\\\u002Ffinancial-consumer-agency\\\u002Fprograms\\\u002Fresearch\\\u002Fcanadian-financial-capability-survey-2019.html\\\" target=\\\"_blank\\\" rel=\\\"noreferrer noopener\\\">almost three-quarters of Canadians carrying some type of debt\u003C\\\u002Fa>, according to Stats Canada.\\u00a0\u003C\\\u002Fp>\\r\\n\u003C!-- \\\u002Fwp:paragraph -->\\r\\n\\r\\n\u003C!-- wp:paragraph -->\\r\\n\u003Cp>If you're not sure if you're \u003Ca href=\\\"https:\\\u002F\\\u002Fwww.afarber.com\\\u002Fblog\\\u002Fgood-debt-vs-bad-debt-how-to-know-the-difference\\\u002F\\\" rel=\\\"noreferrer noopener\\\">carrying good or bad debt\u003C\\\u002Fa> or are just finding your situation too overwhelming to deal with on your own, our team is always here to listen \\u2013 and it starts with a call. But, we know that picking up the phone can be scary, and you might be hesitant.\\u00a0\u003C\\\u002Fp>\\r\\n\u003C!-- \\\u002Fwp:paragraph -->\\r\\n\\r\\n\u003C!-- wp:paragraph -->\\r\\n\u003Cp>So, we spoke to \u003Ca href=\\\"https:\\\u002F\\\u002Fwww.afarber.com\\\u002Fperson\\\u002Fgraeme-whitehead\\\u002F\\\" rel=\\\"noreferrer noopener\\\">Graeme Whitehead\u003C\\\u002Fa>, a partner and Vice President of Central Operations and a Licensed Insolvency Trustee at Farber Debt Solutions (who's been in the industry for 22 years!) to get the scoop.\u003C\\\u002Fp>\\r\\n\u003C!-- \\\u002Fwp:paragraph -->\\r\\n\\r\\n\u003C!-- wp:paragraph -->\\r\\n\u003Cp>Here is your step-by-step guide to what you can expect from your free consultation.\u003C\\\u002Fp>\\r\\n\u003C!-- \\\u002Fwp:paragraph -->\\r\\n\\r\\n\u003C!-- wp:heading -->\\r\\n\u003Ch2 id=\\\"h-step-1-make-the-initial-call-or-inquiry\\\">Step 1: Make the initial call or inquiry\u003C\\\u002Fh2>\\r\\n\u003C!-- \\\u002Fwp:heading -->\\r\\n\\r\\n\u003C!-- wp:paragraph -->\\r\\n\u003Cp>First things first. You need to \u003Ca href=\\\"https:\\\u002F\\\u002Fwww.afarber.com\\\u002Fcontact-us\\\u002Fnew-customers\\\u002F\\\" rel=\\\"noreferrer noopener\\\">reach out to us online or make the call\u003C\\\u002Fa>. We know it's a difficult thing to do, and it's a big first step. But our approach is based on over 40 years of experience, and our team is here to listen without judgement.\\u00a0\u003C\\\u002Fp>\\r\\n\u003C!-- \\\u002Fwp:paragraph -->\\r\\n\\r\\n\u003C!-- wp:paragraph -->\\r\\n\u003Cp>\\\"We treat the call like we're in an emergency room,\\\" said Whitehead. \\\"We realize that time is of the essence, and nobody wants to wait \\u2013 so we do live transfers if someone is available, or schedule an appointment for the same day, or the next, whatever the person would like.\\\"\u003C\\\u002Fp>\\r\\n\u003C!-- \\\u002Fwp:paragraph -->\\r\\n\\r\\n\u003C!-- wp:paragraph -->\\r\\n\u003Cp>By just taking that first step, you'll be able to learn about all of the debt solutions available to you for free, with no pressure or obligation to move forward.\\u00a0\u003C\\\u002Fp>\\r\\n\u003C!-- \\\u002Fwp:paragraph -->\\r\\n\\r\\n\u003C!-- wp:heading -->\\r\\n\u003Ch2 id=\\\"h-step-2-get-your-first-free-consultation\\\">Step 2: Get your first free consultation\u003C\\\u002Fh2>\\r\\n\u003C!-- \\\u002Fwp:heading -->\\r\\n\\r\\n\u003C!-- wp:paragraph -->\\r\\n\u003Cp>Next, you'll have your first consultation. According to Whitehead, most people haven't told anybody about their debt \\u2013 including their spouses. So, it's our job to listen, which may sound simple, but just listening can provide them with a \u003Ca href=\\\"https:\\\u002F\\\u002Fwww.afarber.com\\\u002Fblog\\\u002Fdebt-mental-health-happiness\\\u002F\\\" rel=\\\"noreferrer noopener\\\">massive sense of relief.\u003C\\\u002Fa>\\u00a0\u003C\\\u002Fp>\\r\\n\u003C!-- \\\u002Fwp:paragraph -->\\r\\n\\r\\n\u003C!-- wp:paragraph -->\\r\\n\u003Cp>\\\"I was meeting with one person, and he told me that he was really ashamed and that he felt like such a loser,\\\" said Whitehead. \\\"But I said to him, 'I can tell you why you're not a loser \\u2013 losers don't pick up the phone, losers don't book a meeting, losers don't talk about it \\u2013 losers do nothing.'\\\"\u003C\\\u002Fp>\\r\\n\u003C!-- \\\u002Fwp:paragraph -->\\r\\n\\r\\n\u003C!-- wp:paragraph -->\\r\\n\u003Cp>Your consultation with us is also a safe space for you to share your concerns with an experienced professional. Our team is available by video, phone, or in person, so you can chat with us in whichever way you feel most comfortable.\\u00a0\u003C\\\u002Fp>\\r\\n\u003C!-- \\\u002Fwp:paragraph -->\\r\\n\\r\\n\u003C!-- wp:paragraph -->\\r\\n\u003Cp>\\\"There's no shame in getting professional guidance,\\\" said Whitehead. \\\"We look forward to helping someone feel better during that first initial meeting \\u2013 it's like a big, giant exhale, like a physical burden being released.\\\"\u003C\\\u002Fp>\\r\\n\u003C!-- \\\u002Fwp:paragraph -->\\r\\n\\r\\n\u003C!-- wp:heading -->\\r\\n\u003Ch2 id=\\\"h-step-3-additional-free-consultations-as-necessary\\\">Step 3: Additional free consultations, as necessary\u003C\\\u002Fh2>\\r\\n\u003C!-- \\\u002Fwp:heading -->\\r\\n\\r\\n\u003C!-- wp:paragraph -->\\r\\n\u003Cp>Our team takes the time to fully understand what you're going through. We also need some key information from you to find the best solution.\\u00a0\u003C\\\u002Fp>\\r\\n\u003C!-- \\\u002Fwp:paragraph -->\\r\\n\\r\\n\u003C!-- wp:paragraph -->\\r\\n\u003Cp>For example, maybe you just wanted to start the conversation and get comfortable first, or you don't have all the information ready \\u2013 and that's OK. Our team requires pay information, a full list of who you owe money to, account numbers, information about your investments, and information about your home if you own one. So, it could take a few follow-up appointments to determine the right solution. And, we take the time necessary to go through all of your options with you.\\u00a0\u003C\\\u002Fp>\\r\\n\u003C!-- \\\u002Fwp:paragraph -->\\r\\n\\r\\n\u003C!-- wp:paragraph -->\\r\\n\u003Cp>\\\"We present people all of their options in bite-sized chunks so that they can understand it,\\\" said Whitehead. \\\"That's also why we tend to have multiple meetings \\u2013 we don't want to overwhelm anyone.\\\"\u003C\\\u002Fp>\\r\\n\u003C!-- \\\u002Fwp:paragraph -->\\r\\n\\r\\n\u003C!-- wp:heading -->\\r\\n\u003Ch2 id=\\\"h-step-4-presenting-the-best-debt-solution-for-you\\\">Step 4: Presenting the best debt solution for you\u003C\\\u002Fh2>\\r\\n\u003C!-- \\\u002Fwp:heading -->\\r\\n\\r\\n\u003C!-- wp:paragraph -->\\r\\n\u003Cp>Lastly, we'll go over what we believe is the best solution for you. It's important to note that it might be a service with us, such as a \u003Ca href=\\\"https:\\\u002F\\\u002Fwww.afarber.com\\\u002Fhow-we-help\\\u002Fconsumer-proposal\\\u002F\\\" rel=\\\"noreferrer noopener\\\">Consumer Proposal\u003C\\\u002Fa>, and it might not \\u2013 and there\\u2019s no pressure either way.\\u00a0\u003C\\\u002Fp>\\r\\n\u003C!-- \\\u002Fwp:paragraph -->\\r\\n\\r\\n\u003C!-- wp:paragraph -->\\r\\n\u003Cp>\\u201cLet\\u2019s say there\\u2019s a credit counselling option that\\u2019s a better fit, we\\u2019ll send them there,\\u201d said Whitehead. \\u201cWe\\u2019ll do what\\u2019s right by each person, because we believe that\\u2019s a good business practice.\\u201d\\u00a0\u003C\\\u002Fp>\\r\\n\u003C!-- \\\u002Fwp:paragraph -->\\r\\n\\r\\n\u003C!-- wp:paragraph -->\\r\\n\u003Cp>Farber Debt Solutions is legally obligated to share all of your options, and we\\u2019re more than happy to provide you with that guidance on a human level.\u003C\\\u002Fp>\\r\\n\u003C!-- \\\u002Fwp:paragraph -->\\r\\n\\r\\n\u003C!-- wp:heading -->\\r\\n\u003Ch2 id=\\\"h-the-bottom-line\\\">The bottom line\u003C\\\u002Fh2>\\r\\n\u003C!-- \\\u002Fwp:heading -->\\r\\n\\r\\n\u003C!-- wp:paragraph -->\\r\\n\u003Cp>We know reaching out to book an initial consultation can be a huge first step. But this is an important part of your life, and we would love to help you find a better solution to deal with your debt.\\u00a0\u003C\\\u002Fp>\\r\\n\u003C!-- \\\u002Fwp:paragraph -->\\r\\n\\r\\n\u003C!-- wp:paragraph -->\\r\\n\u003Cp>While people often tell Whitehead that his job sounds depressing, he says it's, in fact, quite the opposite.\\u00a0\u003C\\\u002Fp>\\r\\n\u003C!-- \\\u002Fwp:paragraph -->\\r\\n\\r\\n\u003C!-- wp:paragraph -->\\r\\n\u003Cp>\\\"Maybe it would be sad if we didn't have the tools to help people, but we have really great tools,\\\" said Whitehead. \\\"We look at it as so much more, we can save people's marriages or houses, and that's powerful.\\\"\\u00a0\u003C\\\u002Fp>\\r\\n\u003C!-- \\\u002Fwp:paragraph -->\\r\\n\\r\\n\u003C!-- wp:paragraph -->\\r\\n\u003Cp>\u003Cbr \\\u002F>If you're feeling stressed or overwhelmed by your debt, \u003Ca href=\\\"https:\\\u002F\\\u002Fwww.afarber.com\\\u002Fcontact-us\\\u002F\\\" rel=\\\"noreferrer noopener\\\">contact us\u003C\\\u002Fa> at Farber Debt Solutions today. We're here to listen and give you the tools to help you feel confident and relieved that a solution for your debt is possible.\u003C\\\u002Fp>\\r\\n\u003C!-- \\\u002Fwp:paragraph -->\",\"post_title\":\"Book a Free Consultation for Expert Debt Solutions\",\"post_excerpt\":\"\",\"post_status\":\"publish\",\"comment_status\":\"closed\",\"ping_status\":\"closed\",\"post_password\":\"\",\"post_name\":\"free-consultation-debt-solutions\",\"to_ping\":\"\",\"pinged\":\"\",\"post_modified\":\"2025-01-10 07:30:30\",\"post_modified_gmt\":\"2025-01-10 12:30:30\",\"post_content_filtered\":\"\",\"post_parent\":0,\"guid\":\"https:\\\u002F\\\u002Fwww.farber.ca\\\u002Fblog\\\u002Ffree-consultation-debt-solutions\\\u002F\",\"menu_order\":0,\"post_type\":\"blog\",\"post_mime_type\":\"\",\"comment_count\":\"0\",\"filter\":\"raw\"}],\"anchorId\":\"\"},{\"fieldGroupName\":\"GlobalBlock\",\"globalBlock\":350,\"anchorId\":\"\",\"flexBlocks\":[{\"fieldGroupName\":\"ImageTextBanner\",\"image\":{\"iD\":2795,\"id\":2795,\"title\":\"You_re Not Alone CTA\",\"filename\":\"You_re-Not-Alone-CTA.png\",\"filesize\":451138,\"url\":\"https:\\\u002F\\\u002Fwww.farber.ca\\\u002Fwp-content\\\u002Fuploads\\\u002F2024\\\u002F06\\\u002FYou_re-Not-Alone-CTA.png\",\"link\":\"\\\u002F?attachment_id=2795\",\"alt\":\"\",\"author\":\"6\",\"description\":\"\",\"caption\":\"\",\"name\":\"you_re-not-alone-cta\",\"status\":\"inherit\",\"uploadedTo\":350,\"date\":\"2024-06-27 14:57:40\",\"modified\":\"2024-06-27 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some help?","We are here for you","\u003Cp>Debt doesn’t define you, but the wrong kind of debt can flip your world upside down. We offer a powerful debt-relief solution that can significantly reduce your debt without the drawbacks of declaring bankruptcy.\u003C\u002Fp>\n",{"title":99,"url":100,"target":36},"Your debt-relief options","\u002Fdebt-relief","block-debt-experts","bg-teal-dark","contained","5\u002F12",{"desktop":106,"mobile":107},"imageContent","contentImage",{"desktop":109,"mobile":109},"center","large",false,[],"light",{"fieldGroupName":115,"heading":116,"text":36,"list":117,"button":8,"backgroundColor":102,"padding":130,"mobileColumns":132,"desktopColumns":133,"width":134},"SmallCheckmarkList","Types of debt we help with",[118,120,122,124,126,128],{"item":119},"Credit card debt",{"item":121},"Tax debt",{"item":123},"Student loans",{"item":125},"Personal loans",{"item":127},"Lines of credit",{"item":129},"Payday loans",[131],"bottom-padding","cols-2","auto","12\u002F12",{"fieldGroupName":136,"reviews":137,"showTrustpilotSummaryLink":18,"anchorId":36,"backgroundColor":163,"padding":164},"ReviewSliderManualEntry",[138,143,147,151,155,159],{"url":139,"stars":140,"text":141,"name":142},"https:\u002F\u002Fwww.trustpilot.com\u002Freviews\u002F650658b2fad7d6469470c59d","5","“I was so apprehensive about this process, but I am absolutely 💯 confident that this was the best move for me, and I am so happy for a fresh new beginning! \r\n Just an overall great experience and would recommend them to anyone! 😊” \r\n","– Kelley C.",{"url":144,"stars":140,"text":145,"name":146},"https:\u002F\u002Fwww.trustpilot.com\u002Freviews\u002F62e28a8c4c35e69ec51c6bd0","“My experience with Farber was nothing short of seamless. I was initially unsure and a little nervous because I didn't know what to expect and hadn't used these kinds of services before. Using Farber was one of the easiest things I've ever done in my life. They are with you every step of the way and even after! ” ","– Noelle",{"url":148,"stars":140,"text":149,"name":150},"https:\u002F\u002Fwww.trustpilot.com\u002Freviews\u002F6489f97d706f837cb1febf4a","“If you’re stressed out and worried about the mounting interest on your debts, just schedule in for a phone consultation! Before I knew it, within two weeks my consumer proposal was done, and I felt INSTANT RELIEF. I haven’t felt this hopeful about my financial health in a long time and it is freeing!! Honestly, I could gush about Christine all day long because I can’t thank her enough for her kindness and help with everything!!”","– M.T.",{"url":152,"stars":140,"text":153,"name":154},"https:\u002F\u002Fwww.trustpilot.com\u002Freviews\u002F64345840746ca7dfea06aa2c","“What made my experience great were the people that worked with me. I can honestly say that the process was made easier and less stressful for me as a result of them. I highly recommend you call them. They are pro's and will make it painless.” ","– HL. D",{"url":156,"stars":140,"text":157,"name":158},"https:\u002F\u002Fwww.trustpilot.com\u002Freviews\u002F661c294835eb7c63c4d84a1c","“My life was so stressful knowing I have payment due that I couldn’t pay on time plus with all the phone calls didn’t make matters better, I tried all options with the bank but that didn’t work out, until I reached out to Farber had live chat explaining how to resolve my debt, and for that I’m so grateful.” ","– Ho Ly",{"url":160,"stars":140,"text":161,"name":162},"https:\u002F\u002Fwww.trustpilot.com\u002Freviews\u002F64aac0560d3c90836d636f9c","“When I first contacted Farber, I was in panic and feeling helpless. They will represent you to your creditors and make sure that with a consumer proposal you get free of debt by making monthly payments that you can afford to pay based on your income.”","– Elaine D.","bg-teal-lightest",[165,131],"top-padding",{"fieldGroupName":167,"introduction":168,"accordion":172,"anchorId":36},"DebtSolutionsAccordion",{"supertitle":169,"heading":170,"text":171},"Personalized debt help ","Clear guidance & a solution that fits you","\u003Cp>From credit card debt to tax debt and more, the Farber team helps you see things like they were before debt with a personalized solution that’s easy to follow and saves you money.\u003C\u002Fp>\n",[173,188,197,206],{"title":174,"content":175,"showComparisonChart":18,"comparisonChart":176,"button":185},"Consumer Proposal","\u003Cp>A consumer proposal is a regulated way to reduce your debt, often by up to 80%.\u003C\u002Fp>\n\u003Cul>\n\u003Cli>Interest charges are frozen\u003C\u002Fli>\n\u003Cli>Stops collection calls and creditor action\u003C\u002Fli>\n\u003Cli>0% interest\u003C\u002Fli>\n\u003Cli>Monthly payments\u003C\u002Fli>\n\u003Cli>Always based on what you can afford\u003C\u002Fli>\n\u003C\u002Ful>\n",{"title":177,"before":178,"after":181,"chartFooter":184},"Example monthly payments",{"title":179,"text":180},"Before","$889",{"title":182,"text":183},"After","$116","\u003Cp>\u003Cspan style=\"font-weight: 400;\">*Monthly payments represent a 60-month period on a debt of $35,000.\u003C\u002Fspan>\u003C\u002Fp>\n",{"title":186,"url":187,"target":36},"About consumer proposals","https:\u002F\u002Fwww.farber.ca\u002Fconsumer-proposal\u002F",{"title":189,"content":190,"showComparisonChart":111,"comparisonChart":191,"button":194},"Bankruptcy","\u003Cp>Bankruptcy should be a last choice, after looking at all your other options. Many people are surprised to find out that bankruptcy doesn’t fix everything.\u003C\u002Fp>\n\u003Cul>\n\u003Cli>Doesn’t erase all debts\u003C\u002Fli>\n\u003Cli>Involves losing some of your assets\u003C\u002Fli>\n\u003Cli>Impacts your credit score\u003C\u002Fli>\n\u003Cli>Makes it harder to borrow again\u003C\u002Fli>\n\u003C\u002Ful>\n",{"title":177,"before":192,"after":193,"chartFooter":36},{"title":179,"text":36},{"title":182,"text":36},{"title":195,"url":196,"target":36},"About bankruptcy","\u002Fbankruptcy",{"title":198,"content":199,"showComparisonChart":111,"comparisonChart":200,"button":203},"Debt Counselling","\u003Cp>You can’t always do it on your own. Tackling debt is more manageable when you work with a supportive, licensed expert.\u003C\u002Fp>\n\u003Cul>\n\u003Cli>Have a complimentary session\u003C\u002Fli>\n\u003Cli>Assess your current debt stress\u003C\u002Fli>\n\u003Cli>Discuss your options without judgment\u003C\u002Fli>\n\u003Cli>Find a debt solution that makes sense for you\u003C\u002Fli>\n\u003C\u002Ful>\n",{"title":177,"before":201,"after":202,"chartFooter":36},{"title":179,"text":36},{"title":182,"text":36},{"title":204,"url":205,"target":36},"About debt counselling","\u002Fdebt-counselling",{"title":207,"content":208,"showComparisonChart":111,"comparisonChart":209,"button":212},"Debt Consolidation","\u003Cp>Taking out a loan to consolidate your debts might seem like a good idea, but it’s important to understand the real cost and how it will affect you.\u003C\u002Fp>\n\u003Cul>\n\u003Cli style=\"font-weight: 400;\" aria-level=\"1\">\u003Cspan style=\"font-weight: 400;\">May not qualify at a low interest rate\u003C\u002Fspan>\u003C\u002Fli>\n\u003Cli style=\"font-weight: 400;\" aria-level=\"1\">\u003Cspan style=\"font-weight: 400;\">Could include hidden fees\u003C\u002Fspan>\u003C\u002Fli>\n\u003Cli style=\"font-weight: 400;\" aria-level=\"1\">\u003Cspan style=\"font-weight: 400;\">Does not reduce your debt \u003C\u002Fspan>\u003C\u002Fli>\n\u003Cli style=\"font-weight: 400;\" aria-level=\"1\">\u003Cspan style=\"font-weight: 400;\">Missed payments could make things worse\u003C\u002Fspan>\u003C\u002Fli>\n\u003C\u002Ful>\n",{"title":177,"before":210,"after":211,"chartFooter":36},{"title":179,"text":36},{"title":182,"text":36},{"title":213,"url":214,"target":36},"About debt consolidation","\u002Fdebt-consolidation",{"fieldGroupName":216,"globalBlock":217,"anchorId":36,"flexBlocks":218},"GlobalBlock",324,[219],{"fieldGroupName":73,"image":220,"supertitleStyling":94,"supertitle":237,"badgeNumber":36,"heading":238,"text":239,"button":240,"anchorId":36,"backgroundColor":102,"imageContainer":243,"imageSize":104,"layout":244,"textAlignment":245,"bodyTextSize":110,"showArrowBelow":111,"spacing":246,"buttonStyling":113},{"iD":221,"id":221,"title":222,"filename":223,"filesize":224,"url":225,"link":226,"alt":36,"author":37,"description":36,"caption":36,"name":227,"status":39,"uploadedTo":217,"date":228,"modified":229,"menuOrder":43,"mimeType":44,"type":45,"subtype":46,"icon":47,"width":48,"height":49,"sizes":230,"relativeUrl":236},2794,"Why Farber CTA","Why-Farber-CTA.png",508462,"https:\u002F\u002Fwww.farber.ca\u002Fwp-content\u002Fuploads\u002F2024\u002F06\u002FWhy-Farber-CTA.png","\u002F?attachment_id=2794","why-farber-cta","2024-06-27 14:57:33","2024-06-27 15:18:14",{"thumbnail":231,"thumbnail-width":52,"thumbnail-height":52,"medium":232,"medium-width":54,"medium-height":55,"mediumLarge":233,"mediumLarge-width":57,"mediumLarge-height":58,"large":234,"large-width":60,"large-height":61,"1536x1536":235,"1536x1536-width":63,"1536x1536-height":64,"2048x2048":225,"2048x2048-width":48,"2048x2048-height":49,"gform-image-choice-sm":225,"gform-image-choice-sm-width":54,"gform-image-choice-sm-height":55,"gform-image-choice-md":225,"gform-image-choice-md-width":65,"gform-image-choice-md-height":66,"gform-image-choice-lg":225,"gform-image-choice-lg-width":67,"gform-image-choice-lg-height":68},"https:\u002F\u002Fwww.farber.ca\u002Fwp-content\u002Fuploads\u002F2024\u002F06\u002FWhy-Farber-CTA-150x150.png","https:\u002F\u002Fwww.farber.ca\u002Fwp-content\u002Fuploads\u002F2024\u002F06\u002FWhy-Farber-CTA-300x178.png","https:\u002F\u002Fwww.farber.ca\u002Fwp-content\u002Fuploads\u002F2024\u002F06\u002FWhy-Farber-CTA-768x456.png","https:\u002F\u002Fwww.farber.ca\u002Fwp-content\u002Fuploads\u002F2024\u002F06\u002FWhy-Farber-CTA-1024x608.png","https:\u002F\u002Fwww.farber.ca\u002Fwp-content\u002Fuploads\u002F2024\u002F06\u002FWhy-Farber-CTA-1536x912.png","\u002Fwp-content\u002Fuploads\u002F2024\u002F06\u002FWhy-Farber-CTA.png","Why Farber?","We believe that everyone can prosper","\u003Cp>The debt you’re facing today is not forever. With more than 45 years of experience in Canadian debt relief, we’ve helped over 200,000 people just like you build a better relationship with money and put their debt behind them.\u003C\u002Fp>\n",{"title":241,"url":242,"target":36},"What makes us different","https:\u002F\u002Fwww.farber.ca\u002Fwhat-makes-us-different\u002F","full-bleed",{"desktop":106,"mobile":106},{"desktop":109,"mobile":109},[],{"fieldGroupName":216,"globalBlock":248,"anchorId":36,"flexBlocks":249},348,[250],{"fieldGroupName":251,"introduction":252,"steps":258,"showArrows":18,"anchorId":36},"Steps",{"supertitle":253,"heading":254,"button":255},"Take the first step","Book a free, confidential, no-obligation consultation – we’ll do the rest",{"title":256,"url":257,"target":36},"Book a FREE consultation","https:\u002F\u002Fwww.farber.ca\u002Fbook-a-consultation\u002F",[259,275,287,299],{"icon":260,"text":274},{"iD":261,"id":261,"title":262,"filename":263,"filesize":264,"url":265,"link":266,"alt":36,"author":37,"description":36,"caption":36,"name":262,"status":39,"uploadedTo":248,"date":267,"modified":268,"menuOrder":43,"mimeType":269,"type":45,"subtype":270,"icon":47,"width":271,"height":271,"sizes":272,"relativeUrl":273},2721,"icons8-connected-people","icons8-connected-people.svg",2023,"https:\u002F\u002Fwww.farber.ca\u002Fwp-content\u002Fuploads\u002F2024\u002F06\u002Ficons8-connected-people.svg","\u002F?attachment_id=2721","2024-06-24 14:59:50","2024-06-24 16:54:55","image\u002Fsvg+xml","svg+xml",96,{"thumbnail":265,"thumbnail-width":52,"thumbnail-height":52,"medium":265,"medium-width":54,"medium-height":54,"mediumLarge":265,"mediumLarge-width":57,"mediumLarge-height":57,"large":265,"large-width":60,"large-height":60,"1536x1536":265,"1536x1536-width":271,"1536x1536-height":271,"2048x2048":265,"2048x2048-width":271,"2048x2048-height":271,"gform-image-choice-sm":265,"gform-image-choice-sm-width":271,"gform-image-choice-sm-height":271,"gform-image-choice-md":265,"gform-image-choice-md-width":271,"gform-image-choice-md-height":271,"gform-image-choice-lg":265,"gform-image-choice-lg-width":271,"gform-image-choice-lg-height":271},"\u002Fwp-content\u002Fuploads\u002F2024\u002F06\u002Ficons8-connected-people.svg","Share your story with one of our supportive team members",{"icon":276,"text":286},{"iD":277,"id":277,"title":278,"filename":279,"filesize":280,"url":281,"link":282,"alt":36,"author":37,"description":36,"caption":36,"name":278,"status":39,"uploadedTo":248,"date":283,"modified":268,"menuOrder":43,"mimeType":269,"type":45,"subtype":270,"icon":47,"width":271,"height":271,"sizes":284,"relativeUrl":285},2719,"icons8-compare","icons8-compare.svg",2280,"https:\u002F\u002Fwww.farber.ca\u002Fwp-content\u002Fuploads\u002F2024\u002F06\u002Ficons8-compare.svg","\u002F?attachment_id=2719","2024-06-24 14:59:48",{"thumbnail":281,"thumbnail-width":52,"thumbnail-height":52,"medium":281,"medium-width":54,"medium-height":54,"mediumLarge":281,"mediumLarge-width":57,"mediumLarge-height":57,"large":281,"large-width":60,"large-height":60,"1536x1536":281,"1536x1536-width":271,"1536x1536-height":271,"2048x2048":281,"2048x2048-width":271,"2048x2048-height":271,"gform-image-choice-sm":281,"gform-image-choice-sm-width":271,"gform-image-choice-sm-height":271,"gform-image-choice-md":281,"gform-image-choice-md-width":271,"gform-image-choice-md-height":271,"gform-image-choice-lg":281,"gform-image-choice-lg-width":271,"gform-image-choice-lg-height":271},"\u002Fwp-content\u002Fuploads\u002F2024\u002F06\u002Ficons8-compare.svg","Review your debt-relief options together",{"icon":288,"text":298},{"iD":289,"id":289,"title":290,"filename":291,"filesize":292,"url":293,"link":294,"alt":36,"author":37,"description":36,"caption":36,"name":290,"status":39,"uploadedTo":248,"date":295,"modified":268,"menuOrder":43,"mimeType":269,"type":45,"subtype":270,"icon":47,"width":271,"height":271,"sizes":296,"relativeUrl":297},2733,"icons8-timeline","icons8-timeline.svg",2591,"https:\u002F\u002Fwww.farber.ca\u002Fwp-content\u002Fuploads\u002F2024\u002F06\u002Ficons8-timeline.svg","\u002F?attachment_id=2733","2024-06-24 15:00:03",{"thumbnail":293,"thumbnail-width":52,"thumbnail-height":52,"medium":293,"medium-width":54,"medium-height":54,"mediumLarge":293,"mediumLarge-width":57,"mediumLarge-height":57,"large":293,"large-width":60,"large-height":60,"1536x1536":293,"1536x1536-width":271,"1536x1536-height":271,"2048x2048":293,"2048x2048-width":271,"2048x2048-height":271,"gform-image-choice-sm":293,"gform-image-choice-sm-width":271,"gform-image-choice-sm-height":271,"gform-image-choice-md":293,"gform-image-choice-md-width":271,"gform-image-choice-md-height":271,"gform-image-choice-lg":293,"gform-image-choice-lg-width":271,"gform-image-choice-lg-height":271},"\u002Fwp-content\u002Fuploads\u002F2024\u002F06\u002Ficons8-timeline.svg","Make a plan to help regain control of your money",{"icon":300,"text":310},{"iD":301,"id":301,"title":302,"filename":303,"filesize":304,"url":305,"link":306,"alt":36,"author":37,"description":36,"caption":36,"name":302,"status":39,"uploadedTo":248,"date":307,"modified":307,"menuOrder":43,"mimeType":269,"type":45,"subtype":270,"icon":47,"width":271,"height":271,"sizes":308,"relativeUrl":309},3328,"icons8-low-price","icons8-low-price.svg",1888,"https:\u002F\u002Fwww.farber.ca\u002Fwp-content\u002Fuploads\u002F2024\u002F06\u002Ficons8-low-price.svg","\u002F?attachment_id=3328","2024-07-22 09:49:42",{"thumbnail":305,"thumbnail-width":52,"thumbnail-height":52,"medium":305,"medium-width":54,"medium-height":54,"mediumLarge":305,"mediumLarge-width":57,"mediumLarge-height":57,"large":305,"large-width":60,"large-height":60,"1536x1536":305,"1536x1536-width":271,"1536x1536-height":271,"2048x2048":305,"2048x2048-width":271,"2048x2048-height":271,"gform-image-choice-sm":305,"gform-image-choice-sm-width":271,"gform-image-choice-sm-height":271,"gform-image-choice-md":305,"gform-image-choice-md-width":271,"gform-image-choice-md-height":271,"gform-image-choice-lg":305,"gform-image-choice-lg-width":271,"gform-image-choice-lg-height":271},"\u002Fwp-content\u002Fuploads\u002F2024\u002F06\u002Ficons8-low-price.svg","Start lowering your debt and easing your stress",{"fieldGroupName":312,"heading":313,"cards":314,"anchorId":36},"ArticleCards","The truth about debt",[315,329,339,349,359],{"ID":316,"post_author":37,"post_date":317,"post_date_gmt":318,"post_content":319,"post_title":320,"post_excerpt":36,"post_status":10,"comment_status":321,"ping_status":321,"post_password":36,"post_name":322,"to_ping":36,"pinged":36,"post_modified":323,"post_modified_gmt":324,"post_content_filtered":36,"post_parent":43,"guid":325,"menu_order":43,"post_type":326,"post_mime_type":36,"comment_count":327,"filter":328},2484,"2017-12-04 21:52:00","2017-12-05 02:52:00","\u003C!-- wp:heading -->\r\n\u003Ch2 id=\"h-truly-understanding-your-debt\">Truly Understanding Your Debt\u003C\u002Fh2>\r\n\u003C!-- \u002Fwp:heading -->\r\n\r\n\u003C!-- wp:paragraph -->\r\n\u003Cp>If you have a lot of debt, you may find it difficult to deal with it all. In fact, one problem that many people have is that they don’t know exactly how much they owe and who they owe it to. Because of this, they’re also not entirely aware of how long it will take them to repay their debt, how much interest they are paying, and several other aspects of their debt. This makes coming up with a plan difficult.\u003C\u002Fp>\r\n\u003C!-- \u002Fwp:paragraph -->\r\n\r\n\u003C!-- wp:paragraph -->\r\n\u003Cp>Knowing as much as possible about your debt is important. The more you know, and the more information you have, and this makes it easier to come up with a strategy for reducing your debt and ultimately living debt free. Unfortunately, many financial institutions and creditors do not make it easy to find out all of the information you need. Plus, even when they do provide the information, they sometimes do so in a manner that isn’t completely clear and easy to understand.\u003C\u002Fp>\r\n\u003C!-- \u002Fwp:paragraph -->\r\n\r\n\u003C!-- wp:paragraph -->\r\n\u003Cp>While it’s easy to lose track of how much you owe, it’s important to keep as much track of your debt as possible. Here are some tips for figuring out how much you owe and who you owe it to.\u003C\u002Fp>\r\n\u003C!-- \u002Fwp:paragraph -->\r\n\r\n\u003C!-- wp:heading {\"level\":3} -->\r\n\u003Ch3 id=\"h-get-a-copy-of-your-credit-report\">Get a Copy of Your Credit Report\u003C\u002Fh3>\r\n\u003C!-- \u002Fwp:heading -->\r\n\r\n\u003C!-- wp:paragraph -->\r\n\u003Cp>Everyone who has borrowed money in Canada or applied for a credit card has a credit report. Your credit report lists any loan that you have taken out in the last six years. Public record items, such as civil claim judgments and tax liens, will also be listed on your credit report.\u003C\u002Fp>\r\n\u003C!-- \u002Fwp:paragraph -->\r\n\r\n\u003C!-- wp:paragraph -->\r\n\u003Cp>You can get a free copy of your credit report mailed to you by requesting it from the major credit bureaus in Canada: TransUnion and Equifax. If you want an online report, you will need to pay.\u003C\u002Fp>\r\n\u003C!-- \u002Fwp:paragraph -->\r\n\r\n\u003C!-- wp:paragraph -->\r\n\u003Cp>Note that your credit report will only include information that is reported to the credit bureaus. Sometimes, a lender may not report an account to a credit bureau right away. Also, some lenders will only report to one credit bureau, so the information that TransUnion has may be different from the information held by Equifax.\u003C\u002Fp>\r\n\u003C!-- \u002Fwp:paragraph -->\r\n\r\n\u003C!-- wp:paragraph -->\r\n\u003Cp>However, getting a copy of your credit report is a good start and it can help you find out who you owe money to. This is a great start to getting control of your debt situation.\u003C\u002Fp>\r\n\u003C!-- \u002Fwp:paragraph -->\r\n\r\n\u003C!-- wp:heading {\"level\":3} -->\r\n\u003Ch3 id=\"h-review-your-credit-card-statements-and-bills\">Review your Credit Card Statements and Bills\u003C\u002Fh3>\r\n\u003C!-- \u002Fwp:heading -->\r\n\r\n\u003C!-- wp:paragraph -->\r\n\u003Cp>Go through all of your credit card statements and see how much you currently owe. You may be able to do this online. It’s important that you check your statements, even if you have also received a copy of your credit report. This is because, even if your credit report lists your outstanding balances, this information could be out-of-date. Getting the information straight from the credit card company will give you the most up-to-date information.\u003C\u002Fp>\r\n\u003C!-- \u002Fwp:paragraph -->\r\n\r\n\u003C!-- wp:paragraph -->\r\n\u003Cp>You’ll also want to check your cable bills, phone bills, car loans, etc. to see how much you owe. If you don’t have this information available, contact the creditors and ask them for updated details on your account.\u003C\u002Fp>\r\n\u003C!-- \u002Fwp:paragraph -->\r\n\r\n\u003C!-- wp:heading {\"level\":3} -->\r\n\u003Ch3 id=\"h-call-your-creditors\">Call Your Creditors\u003C\u002Fh3>\r\n\u003C!-- \u002Fwp:heading -->\r\n\r\n\u003C!-- wp:paragraph -->\r\n\u003Cp>Even if you already have up-to-date information on each of your debts, you may still want to call your creditors to find out more details. However, contacting your creditors is very important if you don’t know how much you owe, or if you see a debt on your credit report that you don’t recognize.\u003C\u002Fp>\r\n\u003C!-- \u002Fwp:paragraph -->\r\n\r\n\u003C!-- wp:paragraph -->\r\n\u003Cp>It may be difficult to get the information you’re looking for from some creditors, but keep digging. Don’t let them brush you off easily.\u003C\u002Fp>\r\n\u003C!-- \u002Fwp:paragraph -->\r\n\r\n\u003C!-- wp:heading {\"level\":3} -->\r\n\u003Ch3 id=\"h-check-for-errors\">Check for Errors\u003C\u002Fh3>\r\n\u003C!-- \u002Fwp:heading -->\r\n\r\n\u003C!-- wp:paragraph -->\r\n\u003Cp>There are several places where there could be errors when it comes to your debts. One is in your credit report. Yes, it’s certainly possible that the information in your credit report could be wrong. Sometimes information is entered incorrectly or changes are not represented accurately. If you do find errors in your report, it’s important that you correct them by contacting the credit bureau.\u003C\u002Fp>\r\n\u003C!-- \u002Fwp:paragraph -->\r\n\r\n\u003C!-- wp:paragraph -->\r\n\u003Cp>There could also be errors with your creditors themselves. For example, you may have made a payment that is not reflected accurately on your account. You’ll likely have to show the creditor proof that you made the payment for them to make the change on their end.\u003C\u002Fp>\r\n\u003C!-- \u002Fwp:paragraph -->\r\n\r\n\u003C!-- wp:paragraph -->\r\n\u003Cp>The possibility of errors existing is another reason why it’s so important to keep track of your debt.\u003C\u002Fp>\r\n\u003C!-- \u002Fwp:paragraph -->\r\n\r\n\u003C!-- wp:heading {\"level\":3} -->\r\n\u003Ch3 id=\"h-make-a-plan\">Make a Plan\u003C\u002Fh3>\r\n\u003C!-- \u002Fwp:heading -->\r\n\r\n\u003C!-- wp:paragraph -->\r\n\u003Cp>Once you know how much you owe, and who you owe it to, it’s time to make a plan for reducing your debt. Here are some \u003Ca href=\"\u002Fblog\u002Fhow-to-build-a-budget-to-get-out-of-debt\">tips on creating a budget\u003C\u002Fa> and paying down your debt that could help you.\u003C\u002Fp>\r\n\u003C!-- \u002Fwp:paragraph -->","Figuring Out How Much You Owe? Here Is How to Get Started","closed","figuring-out-how-much-you-owe","2025-01-10 07:30:04","2025-01-10 12:30:04","https:\u002F\u002Fwww.farber.ca\u002Fblog\u002Ffiguring-out-how-much-you-owe\u002F","blog","0","raw",{"ID":330,"post_author":37,"post_date":331,"post_date_gmt":332,"post_content":333,"post_title":334,"post_excerpt":36,"post_status":10,"comment_status":321,"ping_status":321,"post_password":36,"post_name":335,"to_ping":36,"pinged":36,"post_modified":336,"post_modified_gmt":337,"post_content_filtered":36,"post_parent":43,"guid":338,"menu_order":43,"post_type":326,"post_mime_type":36,"comment_count":327,"filter":328},2464,"2019-10-17 18:28:56","2019-10-17 22:28:56","\u003C!-- wp:heading -->\r\n\u003Ch2 id=\"h-how-to-deal-with-debt-stress-and-anxiety\">How to Deal with Debt Stress and Anxiety\u003C\u002Fh2>\r\n\u003C!-- \u002Fwp:heading -->\r\n\r\n\u003C!-- wp:paragraph -->\r\n\u003Cp>Debt can be stressful. It can keep you up at night, leave you afraid of answering the phone or opening the door, make it tough to eat, cause you to stop socializing with friends, make it difficult to focus at work, and much more. Debt can be overwhelming and the more debt you have, the more stressed out and hopeless you may feel. Being worried about your finances and your future can have a very negative affect on your life. Here are some tips for how to cope if you feel overwhelmed by \u003Ca href=\"\u002Fblog\u002Fdebt-consolidation-loans-the-myth-versus-the-reality\u002F\">debt\u003C\u002Fa>.\u003C\u002Fp>\r\n\u003C!-- \u002Fwp:paragraph -->\r\n\r\n\u003C!-- wp:heading {\"level\":3} -->\r\n\u003Ch3 id=\"h-stop-adding-on-more-debt\">Stop Adding on More Debt\u003C\u002Fh3>\r\n\u003C!-- \u002Fwp:heading -->\r\n\r\n\u003C!-- wp:paragraph -->\r\n\u003Cp>If you’re overwhelmed by debt, you’ll need to make sure that you’re not making your problem worse every month. This means that you’ll need to stop using your credit cards and start living on cash. Otherwise, every month you could potentially be adding on new debt and making your overall debt problem worse.\u003C\u002Fp>\r\n\u003C!-- \u002Fwp:paragraph -->\r\n\r\n\u003C!-- wp:paragraph -->\r\n\u003Cp>To live on cash, you’ll have to have a firm budget and you’ll need to stick with it. This can be difficult to do at first, but it’s necessary. Track your spending, keep an eye on your bank balance, and make sure you don’t run out of money before you get paid again.\u003C\u002Fp>\r\n\u003C!-- \u002Fwp:paragraph -->\r\n\r\n\u003C!-- wp:heading {\"level\":3} -->\r\n\u003Ch3 id=\"h-understand-your-situation\">Understand your Situation\u003C\u002Fh3>\r\n\u003C!-- \u002Fwp:heading -->\r\n\r\n\u003C!-- wp:paragraph -->\r\n\u003Cp>If you have a lot of debt, it can be difficult to sit down and look at the real numbers. A lot of people avoid looking at their bills and statements because it stresses them out. That’s understandable. However, if you don’t know how much you owe, when you have to pay it, and who you have to pay it to, you’ll never be able to come up with a solution.\u003C\u002Fp>\r\n\u003C!-- \u002Fwp:paragraph -->\r\n\r\n\u003C!-- wp:paragraph -->\r\n\u003Cp>Take some time when are feeling positive and motivated and make a list of your debts, including information on the creditors you owe money to, the amount of each debt, the interest rates you are expected to pay, the monthly payment amounts, your bill due dates, and all other important information. This will give you a strong picture of your debt. You can then use this information to come up with a plan.\u003C\u002Fp>\r\n\u003C!-- \u002Fwp:paragraph -->\r\n\r\n\u003C!-- wp:heading {\"level\":3} -->\r\n\u003Ch3 id=\"h-come-up-with-a-plan\">Come Up with a Plan\u003C\u002Fh3>\r\n\u003C!-- \u002Fwp:heading -->\r\n\r\n\u003C!-- wp:paragraph -->\r\n\u003Cp>One reason that debt can feel so overwhelming is that it seems like a problem with no solution. If you have a large amount of debt, it’s easy to feel like the situation is hopeless and that there’s no end. While this can make you feel like there’s no point in trying, the only way to truly make yourself feel better is to come up with a plan to resolve your debt issues. As long as you continue to have debt, you’ll continue to feel stressed.\u003C\u002Fp>\r\n\u003C!-- \u002Fwp:paragraph -->\r\n\r\n\u003C!-- wp:paragraph -->\r\n\u003Cp>Sit down and look at all of your statements, determine how much you need to pay each month and when each bill is due. You’ll then need to come up with a plan for paying off as much as you can.\u003C\u002Fp>\r\n\u003C!-- \u002Fwp:paragraph -->\r\n\r\n\u003C!-- wp:paragraph -->\r\n\u003Cp>Look at your budget and see if you can fit the required payments into your monthly plan. If not, you’ll need to make cuts. If you’ve reduced your spending as much as possible, and you’re still not able to pay off your bills as they become due, you’ll either need to earn more money or find a way to owe less.\u003C\u002Fp>\r\n\u003C!-- \u002Fwp:paragraph -->\r\n\r\n\u003C!-- wp:paragraph -->\r\n\u003Cp>Taking on a side job, asking your work for overtime hours, or selling off some items you no longer need can help you earn a bit more money, and this could make managing your debt easier.\u003C\u002Fp>\r\n\u003C!-- \u002Fwp:paragraph -->\r\n\r\n\u003C!-- wp:paragraph -->\r\n\u003Cp>Speaking to your creditors might help you reduce your monthly payments, depending on how much you owe, your credit history, and your relationship with your creditors. If you call your creditors and let them know that you’re struggling to make payments, they may reduce the amount of interest you’re expected to pay or give you more time to pay down your debts (which will lower the monthly payments). This is because most creditors would rather get something than have you default on the loan. However, know that creditors are under no obligation to negotiate with you.\u003C\u002Fp>\r\n\u003C!-- \u002Fwp:paragraph -->\r\n\r\n\u003C!-- wp:heading {\"level\":3} -->\r\n\u003Ch3 id=\"h-get-support-and-help\">Get Support and Help\u003C\u002Fh3>\r\n\u003C!-- \u002Fwp:heading -->\r\n\r\n\u003C!-- wp:paragraph -->\r\n\u003Cp>Debt can be tough to deal with on your own. Having supportive friends and family can help keep your spirits up, keep you feeling motivated, and prevent you from feeling overwhelmed by debt.\u003C\u002Fp>\r\n\u003C!-- \u002Fwp:paragraph -->\r\n\r\n\u003C!-- wp:paragraph -->\r\n\u003Cp>If you are struggling with debt and you’ve been unable to come up with a plan to pay off what you owe, you may wish to consider speaking with a financial professional. For instance, a Licensed Insolvency Trustee can review your situation and provide you with details on the solutions available to you. This can help you resolve your debt and reduce your stress and anxiety.\u003C\u002Fp>\r\n\u003C!-- \u002Fwp:paragraph -->","Overwhelmed by Debt? Learn How to Get Back on Track","overwhelmed-with-debt","2025-01-10 07:29:52","2025-01-10 12:29:52","https:\u002F\u002Fwww.farber.ca\u002Fblog\u002Fwhat-to-do-if-you-feel-overwhelmed-by-debt\u002F",{"ID":340,"post_author":37,"post_date":341,"post_date_gmt":342,"post_content":343,"post_title":344,"post_excerpt":36,"post_status":10,"comment_status":321,"ping_status":321,"post_password":36,"post_name":345,"to_ping":36,"pinged":36,"post_modified":346,"post_modified_gmt":347,"post_content_filtered":36,"post_parent":43,"guid":348,"menu_order":43,"post_type":326,"post_mime_type":36,"comment_count":327,"filter":328},2474,"2019-02-16 00:22:00","2019-02-16 05:22:00","\u003C!-- wp:heading -->\r\n\u003Ch2 id=\"h-stop-debt-from-ruining-your-sleep\">Stop Debt from Ruining Your Sleep\u003C\u002Fh2>\r\n\u003C!-- \u002Fwp:heading -->\r\n\r\n\u003C!-- wp:paragraph -->\r\n\u003Cp>Debt is incredibly stressful. When you have high levels of debt, creditors calling, and bills adding up, it becomes tough to live the rest of your life. It’s hard to eat well, focus at work, and get a good night’s sleep. It’s common for people with debt to have trouble falling asleep, or to find themselves waking up in the middle of the night anxious about their debt.\u003C\u002Fp>\r\n\u003C!-- \u002Fwp:paragraph -->\r\n\r\n\u003C!-- wp:paragraph -->\r\n\u003Cp>Losing sleep over debt is common, and it is very bad for your health. When you don’t get enough sleep, it becomes more difficult to focus and it’s harder to live a healthy lifestyle. Not sleeping well negatively affects nearly every aspect of your life.\u003C\u002Fp>\r\n\u003C!-- \u002Fwp:paragraph -->\r\n\r\n\u003C!-- wp:paragraph -->\r\n\u003Cp>If you’re having trouble sleeping because of your debt, here are some tips that could help you.\u003C\u002Fp>\r\n\u003C!-- \u002Fwp:paragraph -->\r\n\r\n\u003C!-- wp:heading {\"level\":3} -->\r\n\u003Ch3 id=\"h-recognize-your-situation\">Recognize your Situation\u003C\u002Fh3>\r\n\u003C!-- \u002Fwp:heading -->\r\n\r\n\u003C!-- wp:paragraph -->\r\n\u003Cp>One of the first things you can do is recognize that you have a debt problem and that your debt is what’s keeping you up at night. There are many different symptoms of a debt issue, but here are a few common ones:\u003C\u002Fp>\r\n\u003C!-- \u002Fwp:paragraph -->\r\n\r\n\u003C!-- wp:list -->\r\n\u003Cul>\r\n\u003Cli>You miss debt payments\u003C\u002Fli>\r\n\u003Cli>You’re not sure how much debt you have\u003C\u002Fli>\r\n\u003Cli>You’re receiving calls from creditors or collection agencies\u003C\u002Fli>\r\n\u003Cli>You’ve used one credit card to pay off another\u003C\u002Fli>\r\n\u003Cli>You have no savings\u003C\u002Fli>\r\n\u003Cli>You can’t afford living expenses without using a credit card\u003C\u002Fli>\r\n\u003C\u002Ful>\r\n\u003C!-- \u002Fwp:list -->\r\n\r\n\u003C!-- wp:paragraph -->\r\n\u003Cp>If any of these signs apply to you, and you’re having trouble sleeping, it could be due to a debt problem. Recognizing this is the first step towards solving it.\u003C\u002Fp>\r\n\u003C!-- \u002Fwp:paragraph -->\r\n\r\n\u003C!-- wp:heading {\"level\":3} -->\r\n\u003Ch3 id=\"h-deal-with-debt-during-the-day\">Deal with Debt During the Day\u003C\u002Fh3>\r\n\u003C!-- \u002Fwp:heading -->\r\n\r\n\u003C!-- wp:paragraph -->\r\n\u003Cp>Trying to solve your debt problems in the middle of the night, or right before you go to sleep, isn’t productive. When you’re tired or stressed, you’re more likely to feel anxiety and worry, which can make it more difficult to fall asleep.\u003C\u002Fp>\r\n\u003C!-- \u002Fwp:paragraph -->\r\n\r\n\u003C!-- wp:paragraph -->\r\n\u003Cp>Instead, try to come up with a plan during the day. Set aside a few minutes in the morning or on the weekend when you’re feeling refreshed and calm to look at your finances. Avoid paying bills right before bed as well, as this can cause you stress. Handle this task in the daytime so it doesn’t keep you up at night.\u003C\u002Fp>\r\n\u003C!-- \u002Fwp:paragraph -->\r\n\r\n\u003C!-- wp:heading {\"level\":3} -->\r\n\u003Ch3 id=\"h-understand-your-debt\">Understand your Debt\u003C\u002Fh3>\r\n\u003C!-- \u002Fwp:heading -->\r\n\r\n\u003C!-- wp:paragraph -->\r\n\u003Cp>A major reason why debt is so stressful for many people is because of the fear of the unknown. When you have a lot of debt, it’s common to stop paying attention to your bills. If you can’t pay them, you might not even open them. You might avoid answering your phone as well, in fear of having to deal with another creditor.\u003C\u002Fp>\r\n\u003C!-- \u002Fwp:paragraph -->\r\n\r\n\u003C!-- wp:paragraph -->\r\n\u003Cp>However, avoiding your debt doesn’t improve your situation. In fact, it makes it worse. Instead, set some time aside to look at all of your bill statements. See how much you owe and how much your debt is costing you. Even if it turns out that the situation is worse than you expected, once you know the facts, you can start coming up with a plan.\u003C\u002Fp>\r\n\u003C!-- \u002Fwp:paragraph -->\r\n\r\n\u003C!-- wp:heading {\"level\":3} -->\r\n\u003Ch3 id=\"h-come-up-with-a-plan\">Come Up with a Plan\u003C\u002Fh3>\r\n\u003C!-- \u002Fwp:heading -->\r\n\r\n\u003C!-- wp:paragraph -->\r\n\u003Cp>Debt can be stressful because it often feels uncontrollable. You might think that there’s nothing you can do to solve your issues. Taking the time to come up with a plan can help calm your mind, focus your efforts,  \u003Ca href=\"https:\u002F\u002Fwww.afarber.com\u002Fblog\u002Fcreating-a-plan-to-become-debt-free\u002F\">reduce your debt\u003C\u002Fa> issues, and help you sleep.\u003C\u002Fp>\r\n\u003C!-- \u002Fwp:paragraph -->\r\n\r\n\u003C!-- wp:paragraph -->\r\n\u003Cp>A good place to start is by making a budget or, if you already have one, reviewing and revising your budget. Calculate all of your monthly costs, including debt repayment costs, and then come up with a way that you can afford everything on your current income. You may need to make some cuts to several expenses to make it work, but once you come up with a budget that works for you, you’ll be in a much better financial (and emotional) state.\u003C\u002Fp>\r\n\u003C!-- \u002Fwp:paragraph -->\r\n\r\n\u003C!-- wp:heading {\"level\":3} -->\r\n\u003Ch3 id=\"h-make-small-moves\">Make Small Moves\u003C\u002Fh3>\r\n\u003C!-- \u002Fwp:heading -->\r\n\r\n\u003C!-- wp:paragraph -->\r\n\u003Cp>Small things matter. Vow to stop using your credit card, decide to put money aside each month for savings, or to make the decision to cancel various subscription services (streaming services, gym memberships, etc.). These are small moves, but they certainly add up and making these moves will help you feel more in control, which will make it easier to sleep at night.\u003C\u002Fp>\r\n\u003C!-- \u002Fwp:paragraph -->\r\n\r\n\u003C!-- wp:heading {\"level\":3} -->\r\n\u003Ch3 id=\"h-get-help\">Get Help\u003C\u002Fh3>\r\n\u003C!-- \u002Fwp:heading -->\r\n\r\n\u003C!-- wp:paragraph -->\r\n\u003Cp>If you’re struggling with debt and you’ve tried to come up with a budget, but you can’t make things work, know that there are options. Speaking with a licensed insolvency trustee can help you understand the choices that are available to you and help you resolve your debt issues.\u003C\u002Fp>\r\n\u003C!-- \u002Fwp:paragraph -->","Practical Tips to Stop Debt From Keeping You All Night","how-to-stop-debt-from-keeping-you-up-all-night","2025-01-10 07:43:16","2025-01-10 12:43:16","https:\u002F\u002Fwww.farber.ca\u002Fblog\u002Fhow-to-stop-debt-from-keeping-you-up-all-night\u002F",{"ID":350,"post_author":37,"post_date":351,"post_date_gmt":352,"post_content":353,"post_title":354,"post_excerpt":36,"post_status":10,"comment_status":321,"ping_status":321,"post_password":36,"post_name":355,"to_ping":36,"pinged":36,"post_modified":356,"post_modified_gmt":357,"post_content_filtered":36,"post_parent":43,"guid":358,"menu_order":43,"post_type":326,"post_mime_type":36,"comment_count":327,"filter":328},2473,"2019-03-02 00:47:36","2019-03-02 05:47:36","Debt can feel like a never-ending weight on your shoulders, dragging you down no matter how hard you try to get ahead. If you are feeling like it is all just too much debt to handle, take a deep breath—you are not alone in this. It is easy to feel overwhelmed, but there is always a way forward. Whether it is juggling credit cards, loans, or everyday bills, you have options to get back in control.\r\n\r\nToday, we will cover what to do if you have too much debt to handle. We will go over the signs of unmanageable debt, steps to take when you are overwhelmed by debt, the psychological impact of debt, and how our team at Farber can help you. Let’s get into it.\r\n\u003Ch2 aria-level=\"2\">Recognizing the Signs of Unmanageable Debt\u003C\u002Fh2>\r\nBefore you can tackle your debt, it is important to recognize the signs that it may be too much to handle. If any of the following resonate with you, it might be time to consider \u003Ca href=\"https:\u002F\u002Fwww.farber.ca\u002Fdebt-relief\">debt-relief options\u003C\u002Fa>:\r\n\u003Cul>\r\n \t\u003Cli>You consistently miss or are late on payments\u003C\u002Fli>\r\n \t\u003Cli>Your credit card balances never seem to go down\u003C\u002Fli>\r\n \t\u003Cli>You rely on credit to cover basic living expenses\u003C\u002Fli>\r\n \t\u003Cli>You feel overwhelmed just thinking about your debt\u003C\u002Fli>\r\n \t\u003Cli>\u003Ca href=\"\u002Fblog\u002Fhow-long-can-a-collection-agency-pursue-debt\">You receive frequent calls or letters from creditors or collection agencies.\u003C\u002Fa>\u003C\u002Fli>\r\n\u003C\u002Ful>\r\nRecognizing the signs early can allow you to take proactive steps before the debt becomes unmanageable. Whether only one or all of them resonate with you, that is ok. It is never too late or too early to tackle your debt. We are here to support you on your journey.\r\n\u003Ch2 aria-level=\"2\">Steps to Take When Overwhelmed by Debt\u003C\u002Fh2>\r\nIf you are already feeling like you have too much debt to handle, do not panic — there are immediate steps you can take to start addressing the problem.\r\n\u003Ch3 aria-level=\"3\">Make A Note of Where You Are At\u003C\u002Fh3>\r\nThe first thing you need to do when you are feeling overwhelmed by debt is to get a clear view of your financial situation. It might not be fun, but it is necessary.\r\n\r\n\u003Ca href=\"\u002Fblog\u002Favoiding-bad-debt\">Start by listing out all your debts\u003C\u002Fa> — this includes things like balances, interest rates, and due dates. Whether you prefer writing it down on paper or making a simple spreadsheet, this step will give you a clearer picture of what you are dealing with.\r\n\r\nBe sure to include debts like credit card balances, student loans, auto loans, or payday loans. Writing down the interest rates and payment dates for each will be helpful and give you a clear idea of when payments are expected and how much is due. You will also be able to see how much interest is building up for each one.\r\n\u003Ch3 aria-level=\"3\">Put Your Debts in Order\u003C\u002Fh3>\r\nOnce you have all your debts in front of you, it is time to prioritize. You can do this in a couple of ways. Some people like to focus on the debts with the highest interest rates first, so they stop growing out of control. This method is called the avalanche method.\r\n\r\nOthers prefer to start with the smaller debts, also known as the \u003Ca href=\"\u002Fblog\u002Fdebt-snowball-method\">snowball method\u003C\u002Fa>. This method means knocking out the smaller debts first to build momentum and feel a sense of progress. The more debts you pay off, the more it snowballs, and the sense of accomplishment grows!\r\n\r\nYou can pick whichever one will work the best for you or feels less overwhelming. Either way, you will be making progress toward paying off your debts and repairing your relationship with money in the long run.\r\n\u003Ch3 aria-level=\"3\">Build a Budget (and Stick to It)\u003C\u002Fh3>\r\nA \u003Ca href=\"\u002Fblog\u002Fhow-to-build-a-budget-to-get-out-of-debt\">budget is your best friend when it comes to managing debt\u003C\u002Fa>. Take a look at your income and expenses. Be sure to include your fixed expenses, like rent and utilities. You will want to also include your variable expenses, which are the expenses that can vary from month to month. This includes entertainment or dining out.\r\n\r\nFrom there, you can start building a realistic budget. If you need help figuring out how to structure your budget, there are many free budgeting tools and apps available out there. You can do a quick search and adjust it according to your needs. Your budget can be done with paper and pencil, a spreadsheet, an app on your phone, or whatever tool is more convenient for you!\r\n\r\nBy having everything listed in front of you, you can see where you can cut expenses and where you can set money aside for paying down your debt. Maybe you can dine out less or cut out subscriptions you are not using much.\r\n\r\nThere are other ways to help you save money, like using coupons, finding deals, or taking advantage of free rewards programs. For example, you can try calling your phone or internet company during big shopping dates or holidays, such as Black Friday, to negotiate a better plan that will save you money. It will be worth a short even if you can get a few dollars shredded off your monthly bill. Anything helps!\r\n\r\nWhen to comes to building a budget, you should make it easy enough for you to stick to it. It is important to not make any unrealistic promises to yourself. For example, if you usually spend $500 on dining out and you want to suddenly cut it out completely, it might be too big of a change to your current lifestyle.\r\n\r\nAny large cuts could easily make you fall back into the spending cycle. Instead, we suggest you make small cuts and increasingly cut more from you spend each month. This will give you time to adjust and get used to the changes.\r\n\r\nOnce you have a budget set, while it is important to stick to it, you should have room for flexibility as well in case your financial situation changes. This is also why having an emergency fund would be helpful if the unexpected happens, like if you lose your job. So, if you have not already, ensure that part of your budget includes setting money to the side in case of rainy days.\r\n\u003Ch3 aria-level=\"3\">Find Motivation\u003C\u002Fh3>\r\nSometimes you need a bit of a push to keep yourself on track and think of the bigger picture. It is like having a vision board of everything you want to work towards and achieve. Is that trying to save enough money for a down payment? Or maybe you want to save up to go on a vacation. Whatever motivates you, keep that in mind and use it as an end goal after you pay off your debt.\r\n\u003Ch3 aria-level=\"2\">Explore Debt Repayment Strategies\u003C\u002Fh3>\r\nNow, let’s talk about \u003Ca href=\"\u002Fblog\u002Fhow-to-get-out-of-debt-without-filing-for-bankruptcy\">strategies you can use to tackle debt,\u003C\u002Fa> depending on what works best for your situation. We mentioned a couple above, but we will list them all out for you again:\r\n\r\n\u003Cstrong>Snowball Method\u003C\u002Fstrong>\r\n\r\nFocus on paying off the smallest debts first, which can give you a psychological boost as you see quick progress. Once you get the smaller debts out of the way, you can then focus on the larger ones.\r\n\r\n\u003Cstrong>Avalanche Method\u003C\u002Fstrong>\r\n\r\nThe avalanche method focuses on paying off debts with the highest interest rates first to minimize the amount of interest paid over time. Be sure to look at each of your debts and the amount of interest that builds up each month. If the interest is quickly growing for one or more of your debts, maybe you should tackle those first!\r\n\r\n\u003Cstrong>Balance Transfers and Consolidations\u003C\u002Fstrong>\r\n\r\nIf you have multiple high-interest debts, you can consider \u003Ca href=\"\u002Fdebt-consolidation\">consolidating them into one loan\u003C\u002Fa> with a lower interest rate or using a balance transfer to move your debt to a lower-interest card.\r\n\r\nHowever, this option may not be for everyone and can be hard to qualify for if your credit has already been damaged. This means that you may only qualify for higher interest rate consolidation loans, which could lead to greater financial strain in the long run. We recommend consulting with our team member to understand all your debt-relief options.\r\n\r\n\u003Cstrong>Debt Management Plans\u003C\u002Fstrong>\r\n\r\nThere are several debt management plans or \u003Ca href=\"\u002Fdebt-relief\">debt-relief solutions\u003C\u002Fa> that you can consider, such as consumer proposals, bankruptcy, and as mentioned, debt consolidation. Whichever one you pick will depend on how much debt you have, the type of debt, and other factors related to your financial situation.\r\n\r\nYou should consider working with the Farber team, to develop a debt management plan that fits your budget and financial goals. Debt is a difficult thing to talk about. We know that it’s a hard first step to ask for help, but we are committed to helping you find the confidence that comes with leaving your debt behind.\r\n\u003Ch3 aria-level=\"3\">Communicate with Creditors\u003C\u002Fh3>\r\nWhen you find yourself with too much debt to handle, communication is key. Many creditors are open to negotiation, whether it is lowering interest rates, setting up a payment plan, or even offering temporary relief. Reaching out to creditors can help alleviate some of the pressure and make managing your debt more manageable.\r\n\r\nIf you are looking for support, you can reach out to a \u003Ca href=\"\u002Fwhy-a-licensed-insolvency-trustee\">Licensed Insolvency Trustee (LIT)\u003C\u002Fa> to communicate and negotiate on your behalf. They are licensed and regulated by the Canadian government. They also have in-depth knowledge of Canadian insolvency laws and are authorized to file debt solutions, such as consumer proposals and bankruptcies.\r\n\u003Ch2 aria-level=\"2\">The Psychological Impact of Debt\u003C\u002Fh2>\r\nIt is no secret that debt does not just impact your finances — it can also have a big impact on your mental health. Feeling like you have too much debt to handle can lead to anxiety, stress, and even depression. \u003Ca href=\"\u002Fblog\u002Fhow-to-stop-debt-from-keeping-you-up-all-night\">If you are experiencing sleepless nights\u003C\u002Fa>, constant worry, or feelings of hopelessness due to your debt, it is important to seek support.\r\n\r\nWhether it is talking to a loved one, seeking therapy, or connecting with a financial counsellor, addressing the emotional impact of debt is just as important as tackling the financial side. You should not have to do this alone.\r\n\u003Ch2 aria-level=\"2\">Learn How Farber Can Help\u003C\u002Fh2>\r\nWhen you are facing too much debt to handle, sometimes it’s best to seek professional help. Farber offers a range of debt relief services designed to help you get back on track. Whether you are interested in consumer proposals or simply want advice on the best way forward, Farber can guide you through the process with compassion and expertise.\r\n\r\nDebt does not have to control your life. By recognizing the signs of overwhelming debt, taking immediate steps to manage it, and exploring your options for debt relief, you can begin your journey towards tackling your debt and building a better relationship with money— so, \u003Ca href=\"\u002Fbook-a-consultation\">book a free consultation with Farber today!\u003C\u002Fa>","Too Much Debt? Here Are Actionable Tips for Getting Relief","too-much-debt-to-handle","2025-12-30 06:27:50","2025-12-30 11:27:50","https:\u002F\u002Fwww.farber.ca\u002Fblog\u002Fwhat-can-you-do-if-you-ve-borrowed-too-much-money\u002F",{"ID":360,"post_author":37,"post_date":361,"post_date_gmt":362,"post_content":363,"post_title":364,"post_excerpt":36,"post_status":10,"comment_status":321,"ping_status":321,"post_password":36,"post_name":365,"to_ping":36,"pinged":36,"post_modified":366,"post_modified_gmt":367,"post_content_filtered":36,"post_parent":43,"guid":368,"menu_order":43,"post_type":326,"post_mime_type":36,"comment_count":327,"filter":328},2422,"2023-05-09 16:13:53","2023-05-09 20:13:53","\u003C!-- wp:paragraph -->\r\n\u003Cp>Debt is a difficult thing to talk about. Even in 2023, debt is still associated with feelings of shame – despite \u003Ca href=\"https:\u002F\u002Fwww.canada.ca\u002Fen\u002Ffinancial-consumer-agency\u002Fprograms\u002Fresearch\u002Fcanadian-financial-capability-survey-2019.html\" target=\"_blank\" rel=\"noreferrer noopener\">almost three-quarters of Canadians carrying some type of debt\u003C\u002Fa>, according to Stats Canada. \u003C\u002Fp>\r\n\u003C!-- \u002Fwp:paragraph -->\r\n\r\n\u003C!-- wp:paragraph -->\r\n\u003Cp>If you're not sure if you're \u003Ca href=\"https:\u002F\u002Fwww.afarber.com\u002Fblog\u002Fgood-debt-vs-bad-debt-how-to-know-the-difference\u002F\" rel=\"noreferrer noopener\">carrying good or bad debt\u003C\u002Fa> or are just finding your situation too overwhelming to deal with on your own, our team is always here to listen – and it starts with a call. But, we know that picking up the phone can be scary, and you might be hesitant. \u003C\u002Fp>\r\n\u003C!-- \u002Fwp:paragraph -->\r\n\r\n\u003C!-- wp:paragraph -->\r\n\u003Cp>So, we spoke to \u003Ca href=\"https:\u002F\u002Fwww.afarber.com\u002Fperson\u002Fgraeme-whitehead\u002F\" rel=\"noreferrer noopener\">Graeme Whitehead\u003C\u002Fa>, a partner and Vice President of Central Operations and a Licensed Insolvency Trustee at Farber Debt Solutions (who's been in the industry for 22 years!) to get the scoop.\u003C\u002Fp>\r\n\u003C!-- \u002Fwp:paragraph -->\r\n\r\n\u003C!-- wp:paragraph -->\r\n\u003Cp>Here is your step-by-step guide to what you can expect from your free consultation.\u003C\u002Fp>\r\n\u003C!-- \u002Fwp:paragraph -->\r\n\r\n\u003C!-- wp:heading -->\r\n\u003Ch2 id=\"h-step-1-make-the-initial-call-or-inquiry\">Step 1: Make the initial call or inquiry\u003C\u002Fh2>\r\n\u003C!-- \u002Fwp:heading -->\r\n\r\n\u003C!-- wp:paragraph -->\r\n\u003Cp>First things first. You need to \u003Ca href=\"https:\u002F\u002Fwww.afarber.com\u002Fcontact-us\u002Fnew-customers\u002F\" rel=\"noreferrer noopener\">reach out to us online or make the call\u003C\u002Fa>. We know it's a difficult thing to do, and it's a big first step. But our approach is based on over 40 years of experience, and our team is here to listen without judgement. \u003C\u002Fp>\r\n\u003C!-- \u002Fwp:paragraph -->\r\n\r\n\u003C!-- wp:paragraph -->\r\n\u003Cp>\"We treat the call like we're in an emergency room,\" said Whitehead. \"We realize that time is of the essence, and nobody wants to wait – so we do live transfers if someone is available, or schedule an appointment for the same day, or the next, whatever the person would like.\"\u003C\u002Fp>\r\n\u003C!-- \u002Fwp:paragraph -->\r\n\r\n\u003C!-- wp:paragraph -->\r\n\u003Cp>By just taking that first step, you'll be able to learn about all of the debt solutions available to you for free, with no pressure or obligation to move forward. \u003C\u002Fp>\r\n\u003C!-- \u002Fwp:paragraph -->\r\n\r\n\u003C!-- wp:heading -->\r\n\u003Ch2 id=\"h-step-2-get-your-first-free-consultation\">Step 2: Get your first free consultation\u003C\u002Fh2>\r\n\u003C!-- \u002Fwp:heading -->\r\n\r\n\u003C!-- wp:paragraph -->\r\n\u003Cp>Next, you'll have your first consultation. According to Whitehead, most people haven't told anybody about their debt – including their spouses. So, it's our job to listen, which may sound simple, but just listening can provide them with a \u003Ca href=\"https:\u002F\u002Fwww.afarber.com\u002Fblog\u002Fdebt-mental-health-happiness\u002F\" rel=\"noreferrer noopener\">massive sense of relief.\u003C\u002Fa> \u003C\u002Fp>\r\n\u003C!-- \u002Fwp:paragraph -->\r\n\r\n\u003C!-- wp:paragraph -->\r\n\u003Cp>\"I was meeting with one person, and he told me that he was really ashamed and that he felt like such a loser,\" said Whitehead. \"But I said to him, 'I can tell you why you're not a loser – losers don't pick up the phone, losers don't book a meeting, losers don't talk about it – losers do nothing.'\"\u003C\u002Fp>\r\n\u003C!-- \u002Fwp:paragraph -->\r\n\r\n\u003C!-- wp:paragraph -->\r\n\u003Cp>Your consultation with us is also a safe space for you to share your concerns with an experienced professional. Our team is available by video, phone, or in person, so you can chat with us in whichever way you feel most comfortable. \u003C\u002Fp>\r\n\u003C!-- \u002Fwp:paragraph -->\r\n\r\n\u003C!-- wp:paragraph -->\r\n\u003Cp>\"There's no shame in getting professional guidance,\" said Whitehead. \"We look forward to helping someone feel better during that first initial meeting – it's like a big, giant exhale, like a physical burden being released.\"\u003C\u002Fp>\r\n\u003C!-- \u002Fwp:paragraph -->\r\n\r\n\u003C!-- wp:heading -->\r\n\u003Ch2 id=\"h-step-3-additional-free-consultations-as-necessary\">Step 3: Additional free consultations, as necessary\u003C\u002Fh2>\r\n\u003C!-- \u002Fwp:heading -->\r\n\r\n\u003C!-- wp:paragraph -->\r\n\u003Cp>Our team takes the time to fully understand what you're going through. We also need some key information from you to find the best solution. \u003C\u002Fp>\r\n\u003C!-- \u002Fwp:paragraph -->\r\n\r\n\u003C!-- wp:paragraph -->\r\n\u003Cp>For example, maybe you just wanted to start the conversation and get comfortable first, or you don't have all the information ready – and that's OK. Our team requires pay information, a full list of who you owe money to, account numbers, information about your investments, and information about your home if you own one. So, it could take a few follow-up appointments to determine the right solution. And, we take the time necessary to go through all of your options with you. \u003C\u002Fp>\r\n\u003C!-- \u002Fwp:paragraph -->\r\n\r\n\u003C!-- wp:paragraph -->\r\n\u003Cp>\"We present people all of their options in bite-sized chunks so that they can understand it,\" said Whitehead. \"That's also why we tend to have multiple meetings – we don't want to overwhelm anyone.\"\u003C\u002Fp>\r\n\u003C!-- \u002Fwp:paragraph -->\r\n\r\n\u003C!-- wp:heading -->\r\n\u003Ch2 id=\"h-step-4-presenting-the-best-debt-solution-for-you\">Step 4: Presenting the best debt solution for you\u003C\u002Fh2>\r\n\u003C!-- \u002Fwp:heading -->\r\n\r\n\u003C!-- wp:paragraph -->\r\n\u003Cp>Lastly, we'll go over what we believe is the best solution for you. It's important to note that it might be a service with us, such as a \u003Ca href=\"https:\u002F\u002Fwww.afarber.com\u002Fhow-we-help\u002Fconsumer-proposal\u002F\" rel=\"noreferrer noopener\">Consumer Proposal\u003C\u002Fa>, and it might not – and there’s no pressure either way. \u003C\u002Fp>\r\n\u003C!-- \u002Fwp:paragraph -->\r\n\r\n\u003C!-- wp:paragraph -->\r\n\u003Cp>“Let’s say there’s a credit counselling option that’s a better fit, we’ll send them there,” said Whitehead. “We’ll do what’s right by each person, because we believe that’s a good business practice.” \u003C\u002Fp>\r\n\u003C!-- \u002Fwp:paragraph -->\r\n\r\n\u003C!-- wp:paragraph -->\r\n\u003Cp>Farber Debt Solutions is legally obligated to share all of your options, and we’re more than happy to provide you with that guidance on a human level.\u003C\u002Fp>\r\n\u003C!-- \u002Fwp:paragraph -->\r\n\r\n\u003C!-- wp:heading -->\r\n\u003Ch2 id=\"h-the-bottom-line\">The bottom line\u003C\u002Fh2>\r\n\u003C!-- \u002Fwp:heading -->\r\n\r\n\u003C!-- wp:paragraph -->\r\n\u003Cp>We know reaching out to book an initial consultation can be a huge first step. But this is an important part of your life, and we would love to help you find a better solution to deal with your debt. \u003C\u002Fp>\r\n\u003C!-- \u002Fwp:paragraph -->\r\n\r\n\u003C!-- wp:paragraph -->\r\n\u003Cp>While people often tell Whitehead that his job sounds depressing, he says it's, in fact, quite the opposite. \u003C\u002Fp>\r\n\u003C!-- \u002Fwp:paragraph -->\r\n\r\n\u003C!-- wp:paragraph -->\r\n\u003Cp>\"Maybe it would be sad if we didn't have the tools to help people, but we have really great tools,\" said Whitehead. \"We look at it as so much more, we can save people's marriages or houses, and that's powerful.\" \u003C\u002Fp>\r\n\u003C!-- \u002Fwp:paragraph -->\r\n\r\n\u003C!-- wp:paragraph -->\r\n\u003Cp>\u003Cbr \u002F>If you're feeling stressed or overwhelmed by your debt, \u003Ca href=\"https:\u002F\u002Fwww.afarber.com\u002Fcontact-us\u002F\" rel=\"noreferrer noopener\">contact us\u003C\u002Fa> at Farber Debt Solutions today. We're here to listen and give you the tools to help you feel confident and relieved that a solution for your debt is possible.\u003C\u002Fp>\r\n\u003C!-- \u002Fwp:paragraph -->","Book a Free Consultation for Expert Debt Solutions","free-consultation-debt-solutions","2025-01-10 07:30:30","2025-01-10 12:30:30","https:\u002F\u002Fwww.farber.ca\u002Fblog\u002Ffree-consultation-debt-solutions\u002F",{"fieldGroupName":216,"globalBlock":370,"anchorId":36,"flexBlocks":371},350,[372],{"fieldGroupName":73,"image":373,"supertitleStyling":94,"supertitle":36,"badgeNumber":36,"heading":390,"text":36,"button":391,"anchorId":36,"backgroundColor":102,"imageContainer":243,"imageSize":104,"layout":392,"textAlignment":393,"bodyTextSize":110,"showArrowBelow":111,"spacing":394,"buttonStyling":113},{"iD":374,"id":374,"title":375,"filename":376,"filesize":377,"url":378,"link":379,"alt":36,"author":37,"description":36,"caption":36,"name":380,"status":39,"uploadedTo":370,"date":381,"modified":382,"menuOrder":43,"mimeType":44,"type":45,"subtype":46,"icon":47,"width":48,"height":49,"sizes":383,"relativeUrl":389},2795,"You_re Not Alone 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can do this. \u003Cbr \u002F>We can help.",{"title":256,"url":257,"target":36},{"desktop":107,"mobile":106},{"desktop":109,"mobile":109},[],{"menus":396,"siteSettings":735,"fallbackPages":778},[397,415,426,459,499,532,711],{"locations":398,"menuItems":400},[399],"HEADER_CAMPAIGN",{"nodes":401},[402,408],{"uri":403,"label":256,"cssClasses":404,"description":8,"id":405,"parentId":8,"childItems":406},"#consultation-form",[],"cG9zdDoyNTYz",{"nodes":407},[],{"uri":409,"label":410,"cssClasses":411,"description":8,"id":412,"parentId":8,"childItems":413},"tel:+18449848677","+1 844-984-8677",[],"cG9zdDoyNTY0",{"nodes":414},[],{"locations":416,"menuItems":418},[417],"HEADER_FOCUS",{"nodes":419},[420],{"uri":403,"label":421,"cssClasses":422,"description":8,"id":423,"parentId":8,"childItems":424},"Book 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Farber & Partners Inc. All Rights Reserved",{"enableGlobalAlertBanner":111,"text":764,"bannerColor":765},"\u003Cp>\u003Cb>Important Notice:\u003C\u002Fb> We are experiencing issues with our phones. Please visit our \u003Ca href=\"https:\u002F\u002Fwww.farber.ca\u002Fcontact-us\u002F\">Contact Us\u003C\u002Fa> page for other ways to connect.\u003C\u002Fp>\n","coral",[767,768],"team_listing","team_detail",{"enableCorporationSchema":18,"companyName":770,"companyLogo":771,"companyWebsiteUrl":777},"Farber Debt Solutions",{"node":772},{"srcSet":773,"sizes":751,"mediaItemUrl":774,"altText":36,"mediaDetails":775},"https:\u002F\u002Fwww.farber.ca\u002Fwp-content\u002Fuploads\u002F2025\u002F07\u002Ffarber-logo.png 300w, https:\u002F\u002Fwww.farber.ca\u002Fwp-content\u002Fuploads\u002F2025\u002F07\u002Ffarber-logo-150x150.png 150w","https:\u002F\u002Fwww.farber.ca\u002Fwp-content\u002Fuploads\u002F2025\u002F07\u002Ffarber-logo.png",{"height":54,"width":54,"filePath":776},"\u002Fwp-content\u002Fuploads\u002F2025\u002F07\u002Ffarber-logo.png","https:\u002F\u002Fwww.farber.ca",{"generic":779,"blog":784,"location":789,"team":794},[780,782],{"languageCode":19,"uri":781},"https:\u002F\u002Fwww.farber.ca\u002F",{"languageCode":23,"uri":783},"https:\u002F\u002Fwww.farber.ca\u002Ffr",[785,787],{"languageCode":19,"uri":786},"https:\u002F\u002Fwww.farber.ca\u002Fblog",{"languageCode":23,"uri":788},"https:\u002F\u002Fwww.farber.ca\u002Ffr\u002Fblogue",[790,792],{"languageCode":19,"uri":791},"https:\u002F\u002Fwww.farber.ca\u002Flocations",{"languageCode":23,"uri":793},"https:\u002F\u002Fwww.farber.ca\u002Ffr\u002Femplacements",[795,797],{"languageCode":19,"uri":796},"https:\u002F\u002Fwww.farber.ca\u002Four-team",{"languageCode":23,"uri":798},"https:\u002F\u002Fwww.farber.ca\u002Ffr\u002Fnotre-equipe",[800,813,824,834,844],{"id":801,"title":320,"uri":802,"excerpt":803,"featuredImage":804},"cG9zdDoyNDg0","\u002Fblog\u002Ffiguring-out-how-much-you-owe\u002F","\u003Cp>Truly Understanding Your Debt If you have a lot of debt, you may find it difficult to deal with it all. In fact, one problem that many people have is that they don’t know exactly how much they owe and who they owe it to. Because of this, they’re also not entirely aware of how […]\u003C\u002Fp>\n",{"node":805},{"sourceUrl":806,"altText":36,"srcSet":807,"sizes":808,"mediaDetails":809},"https:\u002F\u002Fwww.farber.ca\u002Fwp-content\u002Fuploads\u002F2017\u002F12\u002FBlog-Image-37.jpg","https:\u002F\u002Fwww.farber.ca\u002Fwp-content\u002Fuploads\u002F2017\u002F12\u002FBlog-Image-37-300x200.jpg 300w, https:\u002F\u002Fwww.farber.ca\u002Fwp-content\u002Fuploads\u002F2017\u002F12\u002FBlog-Image-37-1024x683.jpg 1024w, https:\u002F\u002Fwww.farber.ca\u002Fwp-content\u002Fuploads\u002F2017\u002F12\u002FBlog-Image-37-768x512.jpg 768w, https:\u002F\u002Fwww.farber.ca\u002Fwp-content\u002Fuploads\u002F2017\u002F12\u002FBlog-Image-37-1536x1024.jpg 1536w, https:\u002F\u002Fwww.farber.ca\u002Fwp-content\u002Fuploads\u002F2017\u002F12\u002FBlog-Image-37.jpg 1732w","(max-width: 1024px) 100vw, 1024px",{"height":810,"width":811,"filePath":812},1155,1732,"\u002Fwp-content\u002Fuploads\u002F2017\u002F12\u002FBlog-Image-37.jpg",{"id":814,"title":334,"uri":815,"excerpt":816,"featuredImage":817},"cG9zdDoyNDY0","\u002Fblog\u002Foverwhelmed-with-debt\u002F","\u003Cp>How to Deal with Debt Stress and Anxiety Debt can be stressful. It can keep you up at night, leave you afraid of answering the phone or opening the door, make it tough to eat, cause you to stop socializing with friends, make it difficult to focus at work, and much more. Debt can be […]\u003C\u002Fp>\n",{"node":818},{"sourceUrl":819,"altText":36,"srcSet":820,"sizes":808,"mediaDetails":821},"https:\u002F\u002Fwww.farber.ca\u002Fwp-content\u002Fuploads\u002F2019\u002F10\u002FBlog-Image-43.jpg","https:\u002F\u002Fwww.farber.ca\u002Fwp-content\u002Fuploads\u002F2019\u002F10\u002FBlog-Image-43-300x200.jpg 300w, https:\u002F\u002Fwww.farber.ca\u002Fwp-content\u002Fuploads\u002F2019\u002F10\u002FBlog-Image-43-1024x682.jpg 1024w, https:\u002F\u002Fwww.farber.ca\u002Fwp-content\u002Fuploads\u002F2019\u002F10\u002FBlog-Image-43-768x512.jpg 768w, https:\u002F\u002Fwww.farber.ca\u002Fwp-content\u002Fuploads\u002F2019\u002F10\u002FBlog-Image-43-1536x1024.jpg 1536w, https:\u002F\u002Fwww.farber.ca\u002Fwp-content\u002Fuploads\u002F2019\u002F10\u002FBlog-Image-43.jpg 1733w",{"height":810,"width":822,"filePath":823},1733,"\u002Fwp-content\u002Fuploads\u002F2019\u002F10\u002FBlog-Image-43.jpg",{"id":825,"title":344,"uri":826,"excerpt":827,"featuredImage":828},"cG9zdDoyNDc0","\u002Fblog\u002Fhow-to-stop-debt-from-keeping-you-up-all-night\u002F","\u003Cp>Stop Debt from Ruining Your Sleep Debt is incredibly stressful. When you have high levels of debt, creditors calling, and bills adding up, it becomes tough to live the rest of your life. It’s hard to eat well, focus at work, and get a good night’s sleep. It’s common for people with debt to have […]\u003C\u002Fp>\n",{"node":829},{"sourceUrl":830,"altText":36,"srcSet":831,"sizes":808,"mediaDetails":832},"https:\u002F\u002Fwww.farber.ca\u002Fwp-content\u002Fuploads\u002F2019\u002F02\u002FBlog-Image-25.jpg","https:\u002F\u002Fwww.farber.ca\u002Fwp-content\u002Fuploads\u002F2019\u002F02\u002FBlog-Image-25-300x200.jpg 300w, https:\u002F\u002Fwww.farber.ca\u002Fwp-content\u002Fuploads\u002F2019\u002F02\u002FBlog-Image-25-1024x683.jpg 1024w, https:\u002F\u002Fwww.farber.ca\u002Fwp-content\u002Fuploads\u002F2019\u002F02\u002FBlog-Image-25-768x512.jpg 768w, https:\u002F\u002Fwww.farber.ca\u002Fwp-content\u002Fuploads\u002F2019\u002F02\u002FBlog-Image-25-1536x1024.jpg 1536w, https:\u002F\u002Fwww.farber.ca\u002Fwp-content\u002Fuploads\u002F2019\u002F02\u002FBlog-Image-25.jpg 1732w",{"height":810,"width":811,"filePath":833},"\u002Fwp-content\u002Fuploads\u002F2019\u002F02\u002FBlog-Image-25.jpg",{"id":835,"title":354,"uri":836,"excerpt":837,"featuredImage":838},"cG9zdDoyNDcz","\u002Fblog\u002Ftoo-much-debt-to-handle\u002F","\u003Cp>Debt can feel like a never-ending weight on your shoulders, dragging you down no matter how hard you try to get ahead. If you are feeling like it is all just too much debt to handle, take a deep breath—you are not alone in this. It is easy to feel overwhelmed, but there is always […]\u003C\u002Fp>\n",{"node":839},{"sourceUrl":840,"altText":36,"srcSet":841,"sizes":808,"mediaDetails":842},"https:\u002F\u002Fwww.farber.ca\u002Fwp-content\u002Fuploads\u002F2019\u002F03\u002FBlog-Image-58.jpg","https:\u002F\u002Fwww.farber.ca\u002Fwp-content\u002Fuploads\u002F2019\u002F03\u002FBlog-Image-58-300x200.jpg 300w, https:\u002F\u002Fwww.farber.ca\u002Fwp-content\u002Fuploads\u002F2019\u002F03\u002FBlog-Image-58-1024x682.jpg 1024w, https:\u002F\u002Fwww.farber.ca\u002Fwp-content\u002Fuploads\u002F2019\u002F03\u002FBlog-Image-58-768x512.jpg 768w, https:\u002F\u002Fwww.farber.ca\u002Fwp-content\u002Fuploads\u002F2019\u002F03\u002FBlog-Image-58-1536x1024.jpg 1536w, https:\u002F\u002Fwww.farber.ca\u002Fwp-content\u002Fuploads\u002F2019\u002F03\u002FBlog-Image-58.jpg 1733w",{"height":810,"width":822,"filePath":843},"\u002Fwp-content\u002Fuploads\u002F2019\u002F03\u002FBlog-Image-58.jpg",{"id":845,"title":364,"uri":846,"excerpt":847,"featuredImage":848},"cG9zdDoyNDIy","\u002Fblog\u002Ffree-consultation-debt-solutions\u002F","\u003Cp>Debt is a difficult thing to talk about. 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