Xavier and Shayna are married and have two young children. They accumulated a lot of debt while Shayna was off for two maternity leaves and her pay was substantially reduced. They own a townhouse that they purchased 5 years ago. They have come to see you for help to get their debt under control. They are struggling to make ends meet each month and they are feeling very overwhelmed. Their mortgage is coming due next month and they are wondering what options they would have. They have provided you with the following information about their financial situation: Net Worth Statement Xavier & Shayna Year Ending 20XX Assets: Chequing Account Emergency Fund TFSA Car Personal Possessions Townhouse Total Assets $1,000 $5,000 $18,000 $15,000 $625,000 $664,000 Liabilities: RBC VISA Scotiabank Mastercard Unsecured Line of Credit Mortgage Total Liabilities $14,000 $13,000 $36,000 $435,000 $498,000 Net Worth: $166,000 Debts Balance Interest Rate Monthly Payment # Years to Repay