It's not because the big credit card companies gave you too much credit. It's not because of your employer or spouse. There is a BIG problem in Canada with debt and how people deal with ways to resolve it. In Canada household debt is 163.4% of household disposable income. In plain terms, people owe WAY more than they earn, and its getting worse. Canadians need help with their debt. The truth is, the reason why you are in debt might surprise you. Watch the video below and see what our CEO & Founder Richard Cooper has learned from experience after helping thousands of clients.