Debt Consolidation

Canadians’ debt levels remain elevated, with credit to disposable income levels near the 2023 high, which saw credit levels at 1.87 times disposable income.

With Covid-era supply chain disruptions, quantitative easing, and now the energy disruptions from the Middle East, Canadians have hardly had a break from the [pernicious] effect of inflation. If you are struggling with debt, just know that you are only one of millions. [Appeal to the fact that everyone is struggling, be accessible].

If you are in this situation, I may be able to help, particularly regarding your mortgage, which is usually the largest household expense [your home is also your largest asset or resource and accessing the equity can help pay off high interest debts at a lower rate]. [Make it clear that I am hear to help long-term, and that debt is a very common issue for Canadians.]