We Help You Get Rid of Debt

Explore payment consolidation, interest relief, and other options to eliminate your debt faster.

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Free Credit Counselling

Financial insight and guidance to get you back on track.

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Engaging Financial Education

From scheduled online webinars to tailored workplace workshops, we’ve got you covered.

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Ask Us Anything: Money Edition

Join this special event for expert answers to your money questions!

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Free Credit Counselling, Bankruptcy & Debt Consolidation in Canada

The Credit Counselling Society is a registered, non profit service for consumers. Since opening over 28 years ago, we have helped one million Canadians:

Learn About Credit

Discover how to use credit responsibly

And we can help you too! Connect with us by phone, in person, or through live on-line chat. Ask us any questions you may have.

1-888-527-8999

Find Out Exactly How We Can Help
by Answering 4 Simple Questions

Not sure where to start in finding help for your specific financial situation? Answer these 4 easy multiple-choice questions to get pointed in the right direction. All you have to do is click the boxes that apply to you and then the green button when you’re done.

How We Can Help Self Assessment

1. What is your primary financial concern?

Addressing my debts Creating or reviewing my budget Improving my financial knowledge (how credit works, credit report, etc.) Saving for a specific goal, such as retirement, a vacation, or major purchase Business-related issues (e.g. debt, operating losses, etc.)

2. Do you currently carry balances on any of the following? (Check all that apply)

Unsecured debts (e.g. credit cards, unsecured lines of credit or loans, payday loans) Secured debts (e.g. mortgages or secured lines of credit, car loan) Payday loans Government debts (e.g. taxes, student loans, EI) Service providers (e.g. phone/internet, utilities, gyms etc.)

3. Which of the following best describes you?

I pay off my balances in full each month I carry a balance but my debts are in “good standing” I carry a balance and I am behind in my regular payments I am receiving collection calls, letters, or threats to repossess assets I have been sued by one or more creditors

4. What is your household’s primary source of income?

No income Government Income Assistance and/or disability programs (e.g. PWD, ODSP) EI or Government pensions (e.g. CPP/OAS) Employment Self-Employment Work-based pensions

Helping people resolve their debts is what we do best. We can help you assess your situation and review all your options to deal with your debts.

Debt Repayment Support
Avoid Filing for Bankruptcy, Stop Collection Calls

Take the opportunity to speak with a credit counsellor and review your monthly budget, including your income, expenses and debt payments. Speaking with a counsellor is free and completely confidential. Your credit counsellor will provide you with information and guidance to help you make an informed decision about your finances.

We’ll show you how to:

Reduce or eliminate interest charges from credit cards
Repay your debts with one affordable monthly payment
Avoid bankruptcy
Stop collection calls
Start saving for your future

A man and a woman speaking with an accredited credit counsellor at his office.

Money Management, Personal Budgeting & Saving Money

Proper money management doesn’t involve a magic formula to find more money. It simply means getting the most from the money you do have. We’re happy to help you learn how to do that – and it’s never too late to start. Contact us now! 1-888-527-8999

The Credit Counselling Society is often seen in the news media across Canada providing debt, financial, and budgeting advice.

Chris is a client of the Credit Counselling Society who was helped with his debt.

When I paid off my debt, I felt like I could breathe again

I thought I had everything under control, but then when I couldn’t pay my rent and I had to borrow money from a friend, that’s when I knew things were not good. Having a lot of debt feels burdensome. You feel guilty, you feel ashamed. When I was told about credit counselling, I felt hopeful. I found them to be very sympathetic and they listened and they weren’t judging. They were just offering help. When I paid off my debt, I felt I could breathe again. Credit counselling means someone is there to guide you. You are not alone. Reach out. Ask for help.

Chris

Get things back on track.

Speak with a non-profit credit counsellor.

If you’re feeling stressed by your financial situation and are looking for ways to deal with it and get back on track, one of our knowledgeable credit counsellors can help you look into all your options to resolve your situation as quickly as possible. They’ll help you put together a realistic budget and plan that’s in line with your financial goals. Get the peace of mind you need and speak with us today. You’ve got nothing to lose but your debt. Conversations with us are always free, non-judgmental, and completely confidential.

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Get Some Help – It’s Free

Get a free appointment to explore your options and get back on track.

Putting Your Interests First

Our goal is to always put consumers first and look out for their best interests in everything we do. One way we do this is through transparency and accountability. We are held accountable to the most rigorous standards in our industry.