[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"getSingleBlog-/blog/avoid-credit-card-debt-canada-en":3,"getGlobalData-en":52},{"article":4,"ctas":33},{"id":5,"title":6,"date":7,"modified":8,"content":9,"seo":10,"featuredImage":15,"categories":22,"keyTakeawaysAndTableOfContents":27,"blogAuthor":30,"languageCode":31,"translations":32},"cG9zdDo1OTY5","Holiday Spending Traps: How to Avoid Credit Card Debt in Canada This December","2025-12-04T11:32:53","2026-01-09T11:25:00","\u003Cp>Every December, Canadians swipe, tap, and click their way through the holidays — and many wake up in January wondering where their money went. According to recent reports, the average credit card debt in Canada now sits at more than $4,000, and that number usually spikes after the holidays.\u003C/p>\n\u003Cp>The truth is, it’s easy to get caught in the season’s “spending traps.” Between the sales, the pressure to give perfect gifts, and the constant stream of “treat yourself” ads, it doesn’t take long before you’re carrying a little more balance than you planned.\u003C/p>\n\u003Cp>The holidays are meant to be joyful, not stressful. So before the receipts pile up, let’s talk about how to avoid credit card debt this December — and what to do if you already feel like you’re heading for a financial hangover.\u003C/p>\n\u003Cp>(If you’re already feeling the pinch, there’s no shame in it. You can always explore practical options like \u003Ca href=\"/debt-relief\">debt consolidation and relief programs\u003C/a> before things snowball further.)\u003C/p>\n\u003Ch2>The Psychology of Holiday Spending: Why We Overspend in December\u003C/h2>\n\u003Cp>Ever wonder why we all seem to loosen our wallets in December? It’s not just poor planning — it’s psychology. The holidays hit a sweet spot for emotional spending.\u003C/p>\n\u003Ch3>The Pressure of Perfect Holidays\u003C/h3>\n\u003Cp>Social media doesn’t help. You scroll past sparkling trees, matching pyjamas, and extravagant gifts, and suddenly feel like your version of the holidays isn’t enough. Add family expectations or guilt (“I should spend more on Mom this year”), and it’s a recipe for overspending.\u003C/p>\n\u003Ch3>Holiday Marketing Tactics That Target Your Emotions\u003C/h3>\n\u003Cp>Retailers know exactly what they’re doing. They use countdown timers, “limited-time” offers, and nostalgic imagery to push emotional buttons. The goal is simple: make you feel like buying equals love, generosity, or joy. But that quick dopamine hit from buying fades fast — while the credit card payment sticks around for months.\u003C/p>\n\u003Ch2>5 Common Holiday Spending Traps That Lead to Credit Card Debt\u003C/h2>\n\u003Cp>Knowing your triggers is half the battle. Here are five classic holiday traps that quietly grow your balance.\u003C/p>\n\u003Ch3>1. Last-Minute Shopping Panic\u003C/h3>\n\u003Cp>You put off gift shopping until the week before Christmas — then you’re stuck paying premium prices just to cross names off your list. Rushed decisions almost always mean overspending.\u003C/p>\n\u003Ch3>2. “Buy Now, Pay Later” Services\u003C/h3>\n\u003Cp>“\u003Ca href=\"/blog/buy-now-pay-later\">Buy Now, Pay Later\u003C/a>” sounds harmless… four easy payments, no big deal. But if you juggle multiple BNPL plans, you’re basically carrying credit card debt in disguise.\u003C/p>\n\u003Ch3>3. Extended Holiday Sales Events\u003C/h3>\n\u003Cp>Black Friday, Cyber Monday, Boxing Day — they used to be separate. Now it’s one endless sale season. That “one weekend” of deals can stretch into weeks of impulsive spending, \u003Ca href=\"/blog/what-to-do-if-you-go-over-budget\">often past your budget\u003C/a>.\u003C/p>\n\u003Ch3>4. Treating Yourself While Gift Shopping\u003C/h3>\n\u003Cp>We’ve all done it: “One for them, one for me.” A coffee, a sweater, a new gadget, small splurges that seem harmless in the moment can easily snowball into hundreds by the end of the month.\u003C/p>\n\u003Ch3>5. “Just One More Gift” Syndrome\u003C/h3>\n\u003Cp>This is the hardest one to resist. You’ve finished shopping, but then you see something perfect for someone you’ve already bought for. That one last addition rarely fits your budget.\u003C/p>\n\u003Ch2>Creating a Holiday Spending Plan That Prevents Credit Card Debt\u003C/h2>\n\u003Cp>The key here is to plan ahead so you can actually enjoy the season without stressing about January.\u003C/p>\n\u003Ch3>Setting a Realistic Holiday Budget\u003C/h3>\n\u003Cp>Start by listing everything you’ll spend on. And we don’t mean just gifts, but food, decor, events, and travel. Once you’ve got the total, decide how much you can comfortably spend without needing to rely on credit. Then divide it by weeks left until the holidays so you can set small weekly saving goals.\u003C/p>\n\u003Ch3>Cash-Only Holiday Strategy\u003C/h3>\n\u003Cp>Try leaving your credit card at home. Seriously. Use debit or e-transfer for most purchases, or set aside a \u003Ca href=\"/blog/living-on-an-all-cash-diet\">fixed amount of cash for gifts\u003C/a>. It’s way harder to overspend when you can literally see your money running out.\u003C/p>\n\u003Ch2>Smart Shopping Strategies for the Holiday Season\u003C/h2>\n\u003Cp>You don’t need to become a financial minimalist, just a smarter shopper.\u003C/p>\n\u003Cp>Use price-matching apps like \u003Ca href=\"https://apps.apple.com/ca/app/reebee-flyers-grocery-list/id558297215\" target=\"_blank\" rel=\"noopener\">Reebee\u003C/a> or \u003Ca href=\"https://flipp.com/\" target=\"_blank\" rel=\"noopener\">Flipp\u003C/a> to compare deals before buying. \u003Ca href=\"/blog/canadian-coupon-apps\">Use coupons where possible\u003C/a>. Consider shopping local, smaller stores often offer better service and fewer hidden fees.\u003C/p>\n\u003Cp>And remember, meaningful gifts don’t have to be expensive. Write letters, bake treats, or plan experiences.\u003C/p>\n\u003Cp>If you’re unsure what to buy, pause. Sleep on it. Impulse spending fades when you give yourself time to think.\u003C/p>\n\u003Ch2>Using a Credit Card During High-Spending Periods\u003C/h2>\n\u003Cp>Credit cards aren’t evil, they just need to be used wisely.\u003C/p>\n\u003Cp>If you do use one, pay it off as quickly as you can. The minimum payment on a credit card might keep your account in good standing, but it barely touches the balance.\u003C/p>\n\u003Cp>For example, if you owe $2,000 at 20% interest and only make minimum payments, it could take over 15 years to pay it off.\u003C/p>\n\u003Cp>Instead, try paying more than the minimum each month, and if you can, make smaller payments right after purchases. Every little bit helps reduce interest and keeps your balance from ballooning.\u003C/p>\n\u003Cp>And if you’re already wondering how to pay off credit card debt faster, consider setting up an automatic payment that covers more than the minimum, or look into \u003Ca href=\"/blog/avoiding-bad-debt\">debt consolidation options\u003C/a> that lower your interest rate and simplify your payments.\u003C/p>\n\u003Ch2>Already in Holiday Debt? Next Steps for Canadians\u003C/h2>\n\u003Cp>If the damage is already done, you’re not alone. January is often when Canadians realize their “holiday joy” turned into credit card debt reality.\u003C/p>\n\u003Cp>Start by facing the numbers. Add up your total balance across all cards so you can see what you’re working with. Then, make a repayment plan. You can:\u003C/p>\n\u003Cul>\n\u003Cli>Focus on the highest-interest card first (the avalanche method).\u003C/li>\n\u003Cli>Pay off the smallest balance first (\u003Ca href=\"/blog/debt-snowball-method\">the snowball method\u003C/a>).\u003C/li>\n\u003Cli>Transfer balances to a lower-interest card (but just make sure you don’t start spending on the old one again!).\u003C/li>\n\u003C/ul>\n\u003Ch3>When to Consider Professional Debt Help\u003C/h3>\n\u003Cp>If you’re making minimum payments but your balance never drops, it might be time to get some extra help. A professional can walk you through options like debt consolidation, consumer proposals, or structured repayment plans designed to make life easier.\u003C/p>\n\u003Ch2>Conclusion\u003C/h2>\n\u003Cp>The holidays are supposed to feel warm, \u003Cem>not\u003C/em> worrisome. But when spending spirals, the stress can last long after the lights come down.\u003C/p>\n\u003Cp>The good news is, it’s completely possible to enjoy the season without digging deeper into credit card debt. Plan ahead, spend intentionally, and remember: the best gifts don’t come with an interest rate attached.\u003C/p>\n\u003Cp>And if you’ve already found yourself buried under holiday balances, that’s okay too. Farber’s team of \u003Ca href=\"/why-a-licensed-insolvency-trustee\">Licensed Insolvency Trustees\u003C/a> here to help you start fresh.\u003C/p>\n\u003Cp>\u003Ca href=\"/book-a-consultation\">Book a free, confidential consultation\u003C/a> today and start the new year with a plan that actually works — one that helps you pay off credit card debt and feel in control again.\u003C/p>\n",{"title":11,"fullHead":12,"metaRobotsNoindex":13,"metaRobotsNofollow":14},"How to Avoid Credit Card Debt in Canada","\u003C!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https://yoast.com/product/yoast-seo-wordpress/ -->\n\u003Cmeta name=\"description\" content=\"Learn how to avoid credit card debt during the holidays with practical spending strategies & tips to manage your finances this December. Get help before credit card debt takes over.\" />\n\u003Clink rel=\"canonical\" href=\"/blog/avoid-credit-card-debt-canada/\" />\n\u003Cmeta property=\"og:locale\" content=\"en_US\" />\n\u003Cmeta property=\"og:type\" content=\"article\" />\n\u003Cmeta property=\"og:title\" content=\"How to Avoid Credit Card Debt in Canada\" />\n\u003Cmeta property=\"og:description\" content=\"Learn how to avoid credit card debt during the holidays with practical spending strategies & tips to manage your finances this December. Get help before credit card debt takes over.\" />\n\u003Cmeta property=\"og:url\" content=\"/blog/avoid-credit-card-debt-canada/\" />\n\u003Cmeta property=\"og:site_name\" content=\"Farber Debt Solutions\" />\n\u003Cmeta property=\"article:modified_time\" content=\"2026-01-09T16:25:00+00:00\" />\n\u003Cmeta property=\"og:image\" content=\"https://www.farber.ca/wp-content/uploads/2025/12/holiday-spending.jpg\" />\n\t\u003Cmeta property=\"og:image:width\" content=\"1732\" />\n\t\u003Cmeta property=\"og:image:height\" content=\"1155\" />\n\t\u003Cmeta property=\"og:image:type\" content=\"image/jpeg\" />\n\u003Cmeta name=\"twitter:card\" content=\"summary_large_image\" />\n\u003Cmeta name=\"twitter:label1\" content=\"Est. reading time\" />\n\t\u003Cmeta name=\"twitter:data1\" content=\"6 minutes\" />\n\u003Cscript type=\"application/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https://schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"/blog/avoid-credit-card-debt-canada/\",\"url\":\"/blog/avoid-credit-card-debt-canada/\",\"name\":\"How to Avoid Credit Card Debt in Canada\",\"isPartOf\":{\"@id\":\"/#website\"},\"primaryImageOfPage\":{\"@id\":\"/blog/avoid-credit-card-debt-canada/#primaryimage\"},\"image\":{\"@id\":\"/blog/avoid-credit-card-debt-canada/#primaryimage\"},\"thumbnailUrl\":\"https://www.farber.ca/wp-content/uploads/2025/12/holiday-spending.jpg\",\"datePublished\":\"2025-12-04T16:32:53+00:00\",\"dateModified\":\"2026-01-09T16:25:00+00:00\",\"description\":\"Learn how to avoid credit card debt during the holidays with practical spending strategies & tips to manage your finances this December. Get help before credit card debt takes over.\",\"breadcrumb\":{\"@id\":\"/blog/avoid-credit-card-debt-canada/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"/blog/avoid-credit-card-debt-canada/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"/blog/avoid-credit-card-debt-canada/#primaryimage\",\"url\":\"https://www.farber.ca/wp-content/uploads/2025/12/holiday-spending.jpg\",\"contentUrl\":\"https://www.farber.ca/wp-content/uploads/2025/12/holiday-spending.jpg\",\"width\":1732,\"height\":1155},{\"@type\":\"BreadcrumbList\",\"@id\":\"/blog/avoid-credit-card-debt-canada/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Blog Posts\",\"item\":\"/blog/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Holiday Spending Traps: How to Avoid Credit Card Debt in Canada This December\"}]},{\"@type\":\"WebSite\",\"@id\":\"/#website\",\"url\":\"/\",\"name\":\"Farber\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"}]}\u003C/script>\n\u003C!-- / Yoast SEO plugin. -->","index","follow",{"node":16},{"altText":17,"srcSet":18,"sourceUrl":19,"uri":20,"mediaDetails":21},"","https://www.farber.ca/wp-content/uploads/2025/12/holiday-spending-300x200.jpg 300w, https://www.farber.ca/wp-content/uploads/2025/12/holiday-spending-1024x683.jpg 1024w, https://www.farber.ca/wp-content/uploads/2025/12/holiday-spending-768x512.jpg 768w, https://www.farber.ca/wp-content/uploads/2025/12/holiday-spending-1536x1024.jpg 1536w, https://www.farber.ca/wp-content/uploads/2025/12/holiday-spending.jpg 1732w","/wp-content/uploads/2025/12/holiday-spending.jpg","/blog/avoid-credit-card-debt-canada/holiday-spending/",{"filePath":19},{"nodes":23},[24],{"name":25,"link":26},"Holiday & Occasions","/category/holiday-occasions/",{"enableKeyTakeaways":28,"keyTakeawaysContent":29,"enableTableOfContents":28,"tableOfContents":29},false,null,{"author":29,"authorDescription":29,"cta":29},"en",[],[34,40,46],{"heading":35,"text":36,"button":37},"Get out of debt","We offer a powerful debt-relief solution that can significantly reduce your debt without the drawbacks of declaring bankruptcy.",{"target":17,"title":38,"url":39},"Your debt relief options","/debt-relief/",{"heading":41,"text":42,"button":43},"Take the first step","Book a free, confidential, no-obligation consultation and together, we can make a plan to help regain control of your money.",{"target":17,"title":44,"url":45},"Book a Consultation","/book-a-consultation/",{"heading":47,"text":48,"button":49},"What you need to know","Although debt can be overwhelming, there are ways to start fresh and improve your relationship with money.",{"target":17,"title":50,"url":51},"What You Need To Know","/what-you-need-to-know/",{"menus":53,"siteSettings":390,"fallbackPages":442},[54,73,84,114,154,187,366],{"locations":55,"menuItems":57},[56],"HEADER_CAMPAIGN",{"nodes":58},[59,66],{"uri":60,"label":61,"cssClasses":62,"description":29,"id":63,"parentId":29,"childItems":64},"#consultation-form","Book a FREE consultation",[],"cG9zdDoyNTYz",{"nodes":65},[],{"uri":67,"label":68,"cssClasses":69,"description":29,"id":70,"parentId":29,"childItems":71},"tel:+18449848677","+1 844-984-8677",[],"cG9zdDoyNTY0",{"nodes":72},[],{"locations":74,"menuItems":76},[75],"HEADER_FOCUS",{"nodes":77},[78],{"uri":60,"label":79,"cssClasses":80,"description":29,"id":81,"parentId":29,"childItems":82},"Book Now",[],"cG9zdDoyODc5",{"nodes":83},[],{"locations":85,"menuItems":87},[86],"FOOTER_1",{"nodes":88},[89,95,100,107],{"uri":39,"label":90,"cssClasses":91,"description":29,"id":92,"parentId":29,"childItems":93},"Your Debt Relief Options",[],"cG9zdDoyNTIw",{"nodes":94},[],{"uri":51,"label":50,"cssClasses":96,"description":29,"id":97,"parentId":29,"childItems":98},[],"cG9zdDoyNTIx",{"nodes":99},[],{"uri":101,"label":102,"cssClasses":103,"description":29,"id":104,"parentId":29,"childItems":105},"/what-makes-us-different/","What Makes Us Different",[],"cG9zdDoyNTIy",{"nodes":106},[],{"uri":108,"label":109,"cssClasses":110,"description":29,"id":111,"parentId":29,"childItems":112},"/our-team/","Our Team",[],"cG9zdDozMzI3",{"nodes":113},[],{"locations":115,"menuItems":117},[116],"FOOTER_2",{"nodes":118},[119,126,133,140,147],{"uri":120,"label":121,"cssClasses":122,"description":29,"id":123,"parentId":29,"childItems":124},"/locations/","Locations",[],"cG9zdDozMTA3",{"nodes":125},[],{"uri":127,"label":128,"cssClasses":129,"description":29,"id":130,"parentId":29,"childItems":131},"/faq/","FAQs",[],"cG9zdDoyNTIz",{"nodes":132},[],{"uri":134,"label":135,"cssClasses":136,"description":29,"id":137,"parentId":29,"childItems":138},"/glossary-of-terms/","Glossary of Terms",[],"cG9zdDoyNTI1",{"nodes":139},[],{"uri":141,"label":142,"cssClasses":143,"description":29,"id":144,"parentId":29,"childItems":145},"/careers/","Careers",[],"cG9zdDozNTI5",{"nodes":146},[],{"uri":148,"label":149,"cssClasses":150,"description":29,"id":151,"parentId":29,"childItems":152},"/sitemap/","Site Map",[],"cG9zdDozMTA4",{"nodes":153},[],{"locations":155,"menuItems":157},[156],"FOOTER_3",{"nodes":158},[159,166,173,180],{"uri":160,"label":161,"cssClasses":162,"description":29,"id":163,"parentId":29,"childItems":164},"/accessibility-policy/","Accessibility Policy",[],"cG9zdDozMzk=",{"nodes":165},[],{"uri":167,"label":168,"cssClasses":169,"description":29,"id":170,"parentId":29,"childItems":171},"/terms-of-use/","Terms of Use",[],"cG9zdDozMzg=",{"nodes":172},[],{"uri":174,"label":175,"cssClasses":176,"description":29,"id":177,"parentId":29,"childItems":178},"/privacy-policy/","Privacy Policy",[],"cG9zdDozMzQ=",{"nodes":179},[],{"uri":181,"label":182,"cssClasses":183,"description":29,"id":184,"parentId":29,"childItems":185},"/cookie-notice/","Cookie Notice",[],"cG9zdDozNTI1",{"nodes":186},[],{"locations":188,"menuItems":190},[189],"HEADER_PRIMARY",{"nodes":191},[192,218,222,226,230,234,264,268,272,276,280,284,309,313,317,321,325,350,354,358,362],{"uri":51,"label":193,"cssClasses":194,"description":195,"id":196,"parentId":29,"childItems":197},"Get Debt Help",[],"Discover debt management basics, assess your debt situation with our simple calculator, uncover potential savings with a personalized plan, and learn about our free consultation.","cG9zdDozMw==",{"nodes":198},[199,203,208,213],{"uri":200,"label":47,"cssClasses":201,"description":29,"id":202,"parentId":196},"/what-you-need-to-know",[],"cG9zdDozMjc=",{"uri":204,"label":205,"cssClasses":206,"description":29,"id":207,"parentId":196},"/what-to-expect","What to expect",[],"cG9zdDoyNTE2",{"uri":209,"label":210,"cssClasses":211,"description":29,"id":212,"parentId":196},"/debt-income-calculator/","Debt to income calculator",[],"cG9zdDozMjU=",{"uri":214,"label":215,"cssClasses":216,"description":29,"id":217,"parentId":196},"/debt-payment-calculator/","Debt payment calculator",[],"cG9zdDozMjY=",{"uri":200,"label":47,"cssClasses":219,"description":29,"id":202,"parentId":196,"childItems":220},[],{"nodes":221},[],{"uri":204,"label":205,"cssClasses":223,"description":29,"id":207,"parentId":196,"childItems":224},[],{"nodes":225},[],{"uri":209,"label":210,"cssClasses":227,"description":29,"id":212,"parentId":196,"childItems":228},[],{"nodes":229},[],{"uri":214,"label":215,"cssClasses":231,"description":29,"id":217,"parentId":196,"childItems":232},[],{"nodes":233},[],{"uri":29,"label":235,"cssClasses":236,"description":237,"id":238,"parentId":29,"childItems":239},"Debt Solutions",[],"There is a solution to your debt. Learn about the available debt relief options to manage and reduce your debt.","cG9zdDo4MQ==",{"nodes":240},[241,244,249,254,259],{"uri":39,"label":38,"cssClasses":242,"description":29,"id":243,"parentId":238},[],"cG9zdDoyNTE3",{"uri":245,"label":246,"cssClasses":247,"description":29,"id":248,"parentId":238},"/consumer-proposal/","Consumer proposal",[],"cG9zdDoyMjc=",{"uri":250,"label":251,"cssClasses":252,"description":29,"id":253,"parentId":238},"/bankruptcy/","Bankruptcy",[],"cG9zdDo0NTg=",{"uri":255,"label":256,"cssClasses":257,"description":29,"id":258,"parentId":238},"/debt-counselling/","Debt counselling",[],"cG9zdDozODA=",{"uri":260,"label":261,"cssClasses":262,"description":29,"id":263,"parentId":238},"/debt-consolidation/","Debt consolidation",[],"cG9zdDo0NjA=",{"uri":39,"label":38,"cssClasses":265,"description":29,"id":243,"parentId":238,"childItems":266},[],{"nodes":267},[],{"uri":245,"label":246,"cssClasses":269,"description":29,"id":248,"parentId":238,"childItems":270},[],{"nodes":271},[],{"uri":250,"label":251,"cssClasses":273,"description":29,"id":253,"parentId":238,"childItems":274},[],{"nodes":275},[],{"uri":255,"label":256,"cssClasses":277,"description":29,"id":258,"parentId":238,"childItems":278},[],{"nodes":279},[],{"uri":260,"label":261,"cssClasses":281,"description":29,"id":263,"parentId":238,"childItems":282},[],{"nodes":283},[],{"uri":285,"label":286,"cssClasses":287,"description":288,"id":289,"parentId":29,"childItems":290},"#","Why Farber",[],"Explore what makes us different, meet our team, and read firsthand what our clients have to say about their experiences.","cG9zdDozMA==",{"nodes":291},[292,296,300,304],{"uri":101,"label":293,"cssClasses":294,"description":29,"id":295,"parentId":289},"What makes us different",[],"cG9zdDozNTI=",{"uri":108,"label":297,"cssClasses":298,"description":29,"id":299,"parentId":289},"Our team",[],"cG9zdDoyODc2",{"uri":301,"label":121,"cssClasses":302,"description":29,"id":303,"parentId":289},"/locations",[],"cG9zdDozMg==",{"uri":305,"label":306,"cssClasses":307,"description":29,"id":308,"parentId":289},"/testimonials","Testimonials",[],"cG9zdDoyNTE4",{"uri":101,"label":293,"cssClasses":310,"description":29,"id":295,"parentId":289,"childItems":311},[],{"nodes":312},[],{"uri":108,"label":297,"cssClasses":314,"description":29,"id":299,"parentId":289,"childItems":315},[],{"nodes":316},[],{"uri":301,"label":121,"cssClasses":318,"description":29,"id":303,"parentId":289,"childItems":319},[],{"nodes":320},[],{"uri":305,"label":306,"cssClasses":322,"description":29,"id":308,"parentId":289,"childItems":323},[],{"nodes":324},[],{"uri":285,"label":326,"cssClasses":327,"description":328,"id":329,"parentId":29,"childItems":330},"The Truth About Debt",[],"Discover insights from over 45 years of experience, learn about the importance of a Licensed Insolvency Trustee and learn from our blog articles and FAQs.","cG9zdDoyOA==",{"nodes":331},[332,337,342,347],{"uri":333,"label":334,"cssClasses":335,"description":29,"id":336,"parentId":329},"/the-three-truths/","The three truths",[],"cG9zdDoyNjE5",{"uri":338,"label":339,"cssClasses":340,"description":29,"id":341,"parentId":329},"/why-a-licensed-insolvency-trustee/","Why a licensed insolvency trustee?",[],"cG9zdDoyNTE5",{"uri":343,"label":344,"cssClasses":345,"description":29,"id":346,"parentId":329},"/blog","Blog",[],"cG9zdDoyOQ==",{"uri":127,"label":128,"cssClasses":348,"description":29,"id":349,"parentId":329},[],"cG9zdDozMTg=",{"uri":333,"label":334,"cssClasses":351,"description":29,"id":336,"parentId":329,"childItems":352},[],{"nodes":353},[],{"uri":338,"label":339,"cssClasses":355,"description":29,"id":341,"parentId":329,"childItems":356},[],{"nodes":357},[],{"uri":343,"label":344,"cssClasses":359,"description":29,"id":346,"parentId":329,"childItems":360},[],{"nodes":361},[],{"uri":127,"label":128,"cssClasses":363,"description":29,"id":349,"parentId":329,"childItems":364},[],{"nodes":365},[],{"locations":367,"menuItems":369},[368],"HEADER_SECONDARY",{"nodes":370},[371,378,383],{"uri":372,"label":373,"cssClasses":374,"description":29,"id":375,"parentId":29,"childItems":376},"tel:+18446490040","+1 844-649-0040",[],"cG9zdDozNg==",{"nodes":377},[],{"uri":301,"label":121,"cssClasses":379,"description":29,"id":380,"parentId":29,"childItems":381},[],"cG9zdDozNw==",{"nodes":382},[],{"uri":384,"label":385,"cssClasses":386,"description":29,"id":387,"parentId":29,"childItems":388},"/contact-us/","Contact Us",[],"cG9zdDoyNTc2",{"nodes":389},[],{"phoneSchedule":391,"navigationSettings":407,"footerSettings":409,"alertBanner":426,"liveChat":429,"seoSettings":432},{"workingDays":392,"saturday":395,"specialDates":398},{"from":393,"to":394},"08:30","21:00",{"from":396,"to":397},"09:00","15:00",[399,403,405],{"date":400,"available":401,"from":393,"to":402},"2026-04-02T00:00:00+00:00",true,"18:00",{"date":404,"available":28,"from":29,"to":29},"2026-04-03T00:00:00+00:00",{"date":406,"available":28,"from":29,"to":29},"2026-04-04T00:00:00+00:00",{"button":408},{"target":17,"title":61,"url":45},{"awardContent":410,"socialLinks":421,"copyrightText":425},{"awardImage":411,"text":420},{"node":412},{"srcSet":413,"sizes":414,"mediaItemUrl":415,"altText":17,"mediaDetails":416},"https://www.farber.ca/wp-content/uploads/2025/05/awards-2025-300x124.png 300w, https://www.farber.ca/wp-content/uploads/2025/05/awards-2025.png 393w","(max-width: 300px) 100vw, 300px","https://www.farber.ca/wp-content/uploads/2025/05/awards-2025.png",{"height":417,"width":418,"filePath":419},162,393,"/wp-content/uploads/2025/05/awards-2025.png","11x Consumer Choice Award",{"facebookUrl":422,"instagramUrl":423,"linkedinUrl":424},"https://www.facebook.com/farberdebtsolutions","https://www.instagram.com/farberdebtsolutions/","https://www.linkedin.com/company/a-farber-and-partners","© 2025 A. Farber & Partners Inc. All Rights Reserved",{"enableGlobalAlertBanner":28,"text":427,"bannerColor":428},"\u003Cp>\u003Cb>Important Notice:\u003C/b> We are experiencing issues with our phones. Please visit our \u003Ca href=\"https://www.farber.ca/contact-us/\">Contact Us\u003C/a> page for other ways to connect.\u003C/p>\n","coral",[430,431],"team_listing","team_detail",{"enableCorporationSchema":401,"companyName":433,"companyLogo":434,"companyWebsiteUrl":441},"Farber Debt Solutions",{"node":435},{"srcSet":436,"sizes":414,"mediaItemUrl":437,"altText":17,"mediaDetails":438},"https://www.farber.ca/wp-content/uploads/2025/07/farber-logo.png 300w, https://www.farber.ca/wp-content/uploads/2025/07/farber-logo-150x150.png 150w","https://www.farber.ca/wp-content/uploads/2025/07/farber-logo.png",{"height":439,"width":439,"filePath":440},300,"/wp-content/uploads/2025/07/farber-logo.png","https://www.farber.ca",{"generic":443,"blog":449,"location":454,"team":459},[444,446],{"languageCode":31,"uri":445},"https://www.farber.ca/",{"languageCode":447,"uri":448},"fr","https://www.farber.ca/fr",[450,452],{"languageCode":31,"uri":451},"https://www.farber.ca/blog",{"languageCode":447,"uri":453},"https://www.farber.ca/fr/blogue",[455,457],{"languageCode":31,"uri":456},"https://www.farber.ca/locations",{"languageCode":447,"uri":458},"https://www.farber.ca/fr/emplacements",[460,462],{"languageCode":31,"uri":461},"https://www.farber.ca/our-team",{"languageCode":447,"uri":463},"https://www.farber.ca/fr/notre-equipe"]