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 1 million 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.
Canadians Helped
Debt Repaid
%
Clients Who Recommend Us
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.
Caitlyn
Sandra Tan rules! You should request her specifically!
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
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.
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.
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.
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!!
after 2 years of much grief over loaning out on my credit card, I was so refreshed with explanations told me by them and so very kind
Had a health crisis a few years back that put me in a lot of debt.I found the number of The Credit Counselling Society with the help of my worker at Progress Place..we chose an organization that would provide FREE services. I called The Credit Counselling Society and they immediately set up an appointment with Melanie Luchkow..a credit counsellor. When I spoke to Melanie her calm and reassuring voice immediately put me at ease.She shared with me the information I was seeking in a way in which I could understand and as soon as I hung up the phone..my worries were put at ease and I BECAME DEBT FREE. Thank you Melanie and the Credit Counselling Society..you provide a very valuable service not just in regard to our overall financial health but our physical and emotional well-being too.
Great Service!!! Highly recommend using them
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!
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.
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.
Phillip was accommodating and helped me handle my situation. He responded quickly to my concerns.
Very professional and helpful.
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.
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.
Very easy to talk with and extremely helpful
Absolutely wonderful staff. Professional, supportive and non judgemental. Did a telephone appointment because of weather. Easy to get to by public transit.
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.
Excellent service and debt free in half the time i expected.
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!!!
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.
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.
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.
This agency was most helpful in providing sound and non-judgmental advice regarding my financial situation. Very professional and approachable.
Great, professional, and caring members - provide real solutions and positive perspectives on financial help.
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!
wonderful service, really feel satisfied after talking to the agent
Great staff, great team, great support and great service! I am very grateful as you can tell 😉
Will recommend their services to anyone with minor/major personal financial difficulties.
Really great help. gained so much information about the creditors
I would highly recommend this to anyone with credit issues. The councillors are caring, knowledgeable and they can help you get on track.
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.
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.
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.