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, Bankruptcy Help & Debt Consolidation Options

The Credit Counselling Society is a registered, non profit service for consumers. Since opening over 27 years ago, we have helped nearly a million Canadians:

Solving debt problems in Canada.

Solve Debt Problems

Learn how to get out of debt.

Teaching Canadian consumers how to manage money better.

Manage Money Better

We can help you with your budgeting.

Learn more about credit and credit reports and learn how to use it responsibly.

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.

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?

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

3. Which of the following best describes you?

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


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.
Testimonial speech

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.

Certified by Great Places to Work Canada
Accredited by Canada’s national association of non-profit credit counselling organizations.
North America’s largest association of non-profit credit counselling organizations.
Accredited by the Better Business Bureau.