Farber Debt Solutions launched “Break Up With Your Debt” as a national wake-up call for Canadians stuck in the minimum payment cycle. The campaign treats debt like what it often feels like in real life: a slow takeover that steals sleep, time, choices, and peace—until it feels like you’re living with it, not just paying it.
Debt as the “bad partner” you need to leave
Built on the insight that money is one of the longest relationships we’ll ever have, the campaign exposes what happens when that relationship turns controlling and unhealthy. Instead of sterile numbers, it dramatizes debt as a personal presence—something that shows up beside you and takes up space.
Three scenes that make invisible stress visible
The campaign brings the concept to life through three familiar moments: a person overwhelmed at home while a giant debt character lounges nearby; someone lying awake in bed as debt steals the blankets; and a dinner out where debt reaches across the table and takes food off the plate. The message lands fast: debt isn’t “who you are”—it’s what’s happening to you.
Breaking silence, shame, and the minimum-payment loop
“Debt thrives on silence and shame. This campaign breaks both,” said Terry Yakimchick, VP Marketing at Farber Debt Solutions. The work reframes minimum payments as a trap—not an inevitability—and pushes a simple truth: you haven’t run out of options.
Why this approach stands out in the category
According to Matt Litzinger, Co-founder and Chief Creative Officer at The Local Collective, most messaging in the category leans on generic reassurance. Here, the insight is sharper: debt behaves like a controlling partner. By putting debt in the laundry pile, in bed, and across the table, the campaign meets people where they actually feel the burden.
A national rollout built for reach and frequency
“Break Up With Your Debt” is rolling out nationally across out-of-home, connected TV, online video, social, and radio. Created by Farber’s AOR TLC (The Local Collective) with media bought by We Are Other, the campaign meets Canadians at a hard moment—then offers a clear step forward
FAQs about this campaign
What is Farber’s ‘Break Up With Your Debt’ campaign?
A national campaign that reframes debt as a toxic relationship, encouraging Canadians to break the minimum-payment cycle and take action toward a structured solution.
How does the campaign visualize debt?
Debt is personified as a ‘bad partner’ that invades daily life—shown in dramatized scenes at home, in bed, and at a dinner table.
Where is the campaign running?
Nationwide across out-of-home (OOH), connected TV (CTV), online video (OLV), social, and radio.
Who created and bought the campaign media?
Created by Farber’s AOR TLC (The Local Collective) and media bought by We Are Other.
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