Lower Interest, 1 Monthly Payment

Consolidate your debt payments with Canada’s largest non-profit credit counselling organizaton.

Lower Interest, 1 Monthly Payment

Consolidate your debt payments with Canada’s largest non-profit credit counselling organizaton.

Simplify your debts into 1 monthly payment with award winning, non-profit help.

Tired of making multiple debt payments every month? Trying to juggle and deal with all of your creditors at once can feel overwhelming. We’ve helped over 800,000 Canadians gain peace of mind by transforming their many debts into 1 monthly payment that fits their needs. We negotiate with creditors on your behalf to make a repayment plan that works for you. Often, this can mean lowering interest rates to 0.


We won’t just help you get out of debt. We’ll help you learn how to never go back.

Our non-profit mission is to help every Canadian achieve financial wellbeing. The debt you have now doesn’t define you, and once you get rid of it, you’ll have better years ahead. A certified credit counsellor will support you every step of the way, including the consolidation of your debt payments, making a plan to help you achieve financial success, and turning that plan into reality.

Why us?

We have a proven track record of helping Canadians break free from debt.


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Canadians Helped

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Debt Repaid



Clients Who Recommend Us

Caitlyn Client Testimonial
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It changed my life

When I came to the Credit Counselling Society three years ago I was terrified to answer my phone, my job was in jeopardy because creditors were calling me at work, and I avoided checking my mailbox for fear of the horrors that might await me there. CCS was able to negotiate with my creditors and relieve the immediate stress. Having all of my debt payments rolled into one manageable payment changed my life. CCS has helped me to turn my life around.


Sandra Tan rules! You should request her specifically!


Alex Prem Kumar
Alex Prem Kumar2020-08-05

Simon Sowinski
Simon Sowinski2020-07-05

Gurdeep Sangha
Gurdeep Sangha2020-06-05

Carlos Hicks
Carlos Hicks2020-04-12

The counsellors at Credit Counselling Society have been truly amazing!! However, Mark Christensen has truly helped me to realize my potential to adhere to and successfully complete the program. He has been highly supportive. He has given me great advice and suggestions on customized webinars that will target my weaker areas. The general webinars I took in the beginning are insightful, and I learned that I was far from being alone. With Mark's support, along with all the respectful counsellors and people working to make this less stressful for me, I know, without a doubt, I will become debt free, and I will learn invaluable tools about my own spending and saving habits. This experience, given to me through the Credit Counselling Society, will only help me achieve greater financial control and responsibility for my future!Yeah me!Thanks CCS!!OliveUPDATE!I officially finished my program paying off over $36,000 in debt over 5 years!I now know how to budget better and am going to start with a clean slate and a better crediting rating!THANK YOU again to Mark Christensen for his spectacular support and guidance!Many blessings,Olive

Olive Rose
Olive Rose2020-04-12

If there were more stars to give, they'd get all of them. These people save lives!! Debt is designed to keep you there, and the Credit Counselling Society stands up with you to beat it down and make YOU win!!

PAL Boschman
PAL Boschman2020-03-05

I feel like I have a much better understanding of what my options are financially and where to go from here.Councillor was attentive, articulate, comprehensive, informative and professional.

Karl Logan
Karl Logan2020-03-05

I am extremely grateful and appreciative for the valuable and respectful direction I have received working with Mr Kyle Peters. He answers my questions in an expedient and informative manner. He teaches me my rights and my responsibilities. He has provided me with the forms that I needed and his directions are clear and easy to follow. Every client that I have referred to him has had only good things to say about how helpful he is. The Credit Counselling Society is a ver necessary resource for everyone trying to responsibly manage their debt. Congratulations and thank you to the Society for hiring Mr. Kyle Peters! His high skill level makes him an extremely valuable employee!! Many thanks, M. Norton


Very knowledgeable and friendly staff. I highly recommend contacting them, even if you don't proceed, the information and help they provide is invaluable. Thank you CCS.

Trina Whitsitt
Trina Whitsitt2020-03-05

Jordan Thompson
Jordan Thompson2020-03-05

I have only had one appointment with CCS so far and find t hem responsive and informative. I look forward to the follow up call and the guidance they provide.

Annie White
Annie White2020-03-05

Sami khan
Sami khan2020-03-05

Michael Magajes
Michael Magajes2019-04-12

Great Service!!! Highly recommend using them

Rick Holden
Rick Holden2019-04-12

Sher Singh
Sher Singh2019-04-12

I am very happy that I called this place. I was extremely stressed out and Janelle (hope I spelled your name correctly) was amazing. She was very patient with me as I explained my situation and she told me about my various options and what I could do. I even learned something new that I hadn't known before about debt and government assistance.I came away from the call feeling much better, like a weight had been lifted off my shoulders. I've since followed the advice I was given and it looks like things will get better quickly.Overall a great service with compassionate and knowledgeable staff. Keep up the great work!

Jessica Smith
Jessica Smith2019-04-12

Phillip was extremely helpful and I walked out feeling like a weight had been lifted. This is a fabulous service and I would recommend it to anyone. They explain things in plain English and lighten your spirits.

Johanna Faulk
Johanna Faulk2019-04-12

Nazreen was knowledgeable, understanding and friendly. She understood my circumstances and offered options applicable to my circumstances and emailed me back the same day after I thought of additional questions and required confirmation of facts earlier discussed.

Ollie O
Ollie O2019-04-12

Phillip was accommodating and helped me handle my situation. He responded quickly to my concerns.

Sani Bas
Sani Bas2019-04-12

Everything about this firm was professional and incredibly helpful. From the lady setting up the initial appointment to my session(s) with the counselor (Phil) - everything was great!They have been an important part of my journey to get my life back on track and get control of my financial situation, which has been putting pressure on me during my entire adult life.Hope other people use the service to better themselves, as I can attest to their top-quality assistance. Good luck to all that go.

Jim Mylonas
Jim Mylonas2019-04-12

Highly recommended, very empathetic, and professional. It was a very informative learning experience

O T2019-04-12

I highly recommend the Credit Counselling Society. My representative was very professional. She had guided and counselled me throughout. Was very happy to find a service that is actually free. The counselor helped to ease some of the anxiety I have been feeling about our debt and make some very helpful suggestions on how to move forward.

camela Figueira
camela Figueira2019-04-12

Lydia Antoni
Lydia Antoni2019-03-05

Mark Cipriano
Mark Cipriano2019-03-05

Ian Funk
Ian Funk2019-03-05

Was a very warm and friendly experience once I made the first step and called. Thank you Aman Sangha for your help and guidance and making the whole situation comfortable.

Ron Harris
Ron Harris2019-03-05

Very easy to talk with and extremely helpful

natasha slade
natasha slade2019-03-05

I received the best explanation on how to deal with my debt.No service has helped me so much until now.Great service, clear information, a real help to make the right decision in regards to my debt.

Catalina R
Catalina R2018-04-12

Absolutely wonderful staff. Professional, supportive and non judgemental. Did a telephone appointment because of weather. Easy to get to by public transit.

Excellent service and debt free in half the time i expected.

Bryan Brok
Bryan Brok2018-03-05

When I connected with the Credit Counselling Society I was in a very dark place. I didn't know where to turn or what to do. I had even considered that I was worth more to my family through my life insurance policy...... The Credit Counselling Society turned my life around. They made me see there was a way forward and they gave me hope. And now, here I am- thanks to the aid and support of very good people I have made it through to a much better place in my life with far better money management skills. THANK YOU!!!

Eily Davidson
Eily Davidson2018-03-05

It is very easy to give Neil and Sandra 5 stars.. It was a scary process at the beginning and didn't know if this was the route I wanted to take. After 1 meeting I knew I was at the right place.. We feel so blessed to have had them work with us. They were God sent!

I am a self-employed professional singer and voice coach and I thought no one understood the unusual circumstances of my business. I just had my first appointment with Stephanie and it open my eyes. I even cried a little because till now I always felt all alone. I am now looking at my budget in a completely different way.

I had the very good experience with my counselor and would recommend individuals to go if needed.

Tara Autwal
Tara Autwal2017-04-12

They helped me again after I defaulted with them, I was lucky and they managed to get my creditors back on too. I appreciate your dedication in helping me again to finish.

Billy Redford
Billy Redford2017-03-05

Delaney Soames
Delaney Soames2017-03-05

I would recommend this agency if you have debt problems. My Counsellor (Mark Christensen) was very professional and gave me good advice about my options and suggestions on improving my budget. I feel more at ease with what I need to do to move forward.

Mike M
Mike M2016-04-12

Will recommend their services to anyone with minor/major personal financial difficulties.

larrie homer
larrie homer2016-04-12

This agency was most helpful in providing sound and non-judgmental advice regarding my financial situation. Very professional and approachable.

Marg O'Leary
Marg O'Leary2016-04-12

wonderful service, really feel satisfied after talking to the agent

Araib Saad
Araib Saad2016-04-12

The program has helped me immensely by helping my consolidate my debt and negotiating an interest free payment schedule with my creditors. I am now on track to being debt free within 3 years, something I didn't think was going to be possible. My counsellor gave me great advice on ways to save, invest and generally make better decisions with how I use my money. This is an amazing service!

Ainsley K
Ainsley K2016-04-12

Great staff, great team, great support and great service! I am very grateful as you can tell 😉

Tilmon Gallant
Tilmon Gallant2016-04-12

Great, professional, and caring members - provide real solutions and positive perspectives on financial help.

Lynn Griffin
Lynn Griffin2016-04-12

Really great help. gained so much information about the creditors

Vijay chef
Vijay chef2016-03-05

Cary Heuchert
Cary Heuchert2016-03-05

I would highly recommend this to anyone with credit issues. The councillors are caring, knowledgeable and they can help you get on track.

Ric Garcia
Ric Garcia2015-04-12

Was very happy to find a service that is actually free and not just a scam to get my money. The counselor helped to ease some of the anxiety I have been feeling about our debt and make some very helpful suggestions on how to move forward.I would definitely recommend this company if you are looking for debt support.

Adam Connor
Adam Connor2015-04-12

alex joseph
alex joseph2015-04-12

After the first interview, I'm really not that impressed. It still all comes back to the fact that I need to earn more money. Wouldn't that solve everyone's problem? I guess I could say the counsellor was friendly and professional, but there really were no solutions.

Allan Clements
Allan Clements2015-04-12

This is an absolutely wonderful programme! The counsellors check in with you. The Webinars are a very valuable tool!I would highly recommend this to anyone with credit problems.

Certified by Great Place 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.