We Help You Get Rid of Debt

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

Free Credit Counselling

Financial insight and guidance to get you back on track.

Engaging Financial Education

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

Free Credit Counselling, Debt Consolidation Support and Budgeting Help

The Credit Counselling Society is a registered, non profit service for consumers. Since opening over 23 years ago, we have helped more than 700,000 Canadians:

Solve Debt Problems

Learn how to get out of debt.

Manage Money Better

We can help you with your budgeting.

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.

Debt Repayment Support

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.
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.


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.

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.