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"All you do is constantly worry about your family and your kids and keeping the roof over your head," he said.
Anne-Marie says she fell into a "vicious" debt trap after losing her job in late 2007.
"We think there are more than a thousand customers a week that could use our help if they just felt comfortable doing it," Hockey said.
While it is impossible to help every client, TD estimates its success rate is about 75 per cent.
Without any support, Carswell was at risk of falling behind on his mortgage and other bills.
Although their stories are different, there is a common thread.