TORONTO, ON — July 6, 2026 — Earlier this year, Farber Debt Solutions introduced Canadians to Debt: a physical character personifying the toxic relationship people have with their finances. Following a highly successful national launch, Farber is rolling out three new spots that confront a deeper, quieter tension—how people slowly learn to normalize and live around a bad partner.
The original campaign made the invisible weight of debt visible by placing the character in the bedroom, at the dinner table, and in the laundry room. The platform, developed with agency partner The Local Collective, focuses on the exhausting, everyday friction of a one-sided relationship.
The new creative highlights three all-too-familiar moments: Debt hogging the bathroom, taking forever on the toilet while life outside the door is completely put on hold. Debt lounges comfortably inside a car, scrolling on its phone while its partner struggles alone outside in the dirt trying to change a flat tire. Debt hangs back completely empty-handed, staring at a screen while its partner awkwardly juggles an armful of heavy grocery bags.
“Debt is not always experienced as one dramatic breaking point,” said Terry Yakimchick, VP Marketing, Farber Debt Solutions. “For many people, debt becomes part of the background noise of their life and they adjust around it. They carry more weight and stay quiet. This campaign helps people recognize that burden for what it is, without shame. If debt is taking more than it gives, there are legitimate, legal options, and Farber can help people understand them.”
The platform was built on the core insight that people do not have rational relationships with money; they have emotional ones. In a category that traditionally speaks in sterile payment plans, relief promises, and confusing financial jargon, Farber chose a universal language: the breakup. Seeking help is never framed as a personal failure. Instead, it is framed as finally walking away from something that has become controlling, exhausting, and deeply unfair.
“The job was never just to tell people debt relief exists,” said Matt Litzinger, Co-founder and Chief Creative Officer, The Local Collective. “People already know when debt is hurting them. The harder part is empowering them to do something about it. That is why the breakup metaphor keeps working. It gives people emotional distance from their debt and lets them see the relationship for what it really is, so they can finally leave it behind.”
The expanded “Break Up With Your Debt” campaign rolls out nationally across connected TV, digital video, out-of-home, social media, and digital radio.
