LISTEN | Toronto man struggled in silence with debt for years: The Current19:01Canadians are facing a debt crisis When Sean Picard couldn’t pay back almost $30,000 he owed on his credit card, he didn’t know where to turn for help — and spent years trying to just ignore the problem. “I was basically just throwing money at interest, where it wasn't going down. I was … avoiding calls from the bank, trying to just make the problem go away,” said Picard, 41, a retail worker in Toronto.