Client Experiences & Reviews

See what others have experienced with us and how we’re able to help them.

  1. About the Credit Counselling Society
  2. Non Profit Credit Counselling Society Reviews & Testimonials

Credit Counselling Service Reviews
Client Stories & Testimonials

If you’re wondering whether or not we’ll be able to help you or if we’re the right people to turn to for help, check out the stories and reviews of our services below. They’ll give you a much better sense of what we do and what we’re all about.

Linda, a single mom, couldn’t keep up her monthly debt payments after seeing her income cut in half. Click on the video to see her story, and see how she paid off her debt with help from the Credit Counselling Society. You can also see more of Linda’s story by clicking here.

Young couple embracing, smiling at camera

Credit Card & Medical Debt
Budgeting for Emergencies

Rochelle is in her mid 40’s and her husband, Dan, is in his mid 30’s. They live with their two children near Victoria on Vancouver Island.

Rochelle underwent surgery and has since been unable to work. Even with some additional overtime income from Dan, his income alone was not enough to make ends meet.

Rochelle and Dan relied on credit to pay for living expenses, which resulted in a large amount of debt. Due to their financial situation, they contacted a bankruptcy trustee for assistance. The trustee referred them to the Credit Counselling Society and they decided to attend a budgeting workshop.

Rochelle and Dan had no budget in place to help them plan for an unexpected situation. The surgery impacted their family income severely and pushed them into a serious financial crisis. They now faced credit card debt of over $90,000 and 75% of their combined incomes went towards housing costs.

Monthly & Seasonal Expenses
Build a Budget & Avoid Bankruptcy

Rochelle recently returned to work part-time, but this still wasn’t enough to help them manage their monthly obligations. After speaking with a counsellor at the Credit Counselling Society, Rochelle and Dan took a close look at their monthly and seasonal expenses. They were spending more than they earned each month and were going further into debt each week. They needed to take immediate action to reduce their debt and avoid bankruptcy.

Financial Planning & Money Management
Pay Down Debt With a Debt Management Program

Rochelle and Dan discussed several options with their counsellor. They could sell their home, rent the basement, sell the second car, cash in their retirement savings or Rochelle could go back to work full-time. They decided to increase their income, keep their home, and start a budget that allowed them to meet their obligationspay down debt, and save for emergencies.

With a lot of guidance and support from their counsellor, Rochelle and Dan are on their way to becoming debt free with a debt management program that fits their budget. In learning how to manage their money better, they reviewed their bills, made some changes to their spending habits, and prioritized their needs and wants. Now they have a plan to pay off their debt and build savings for the future.

See what people say about us online

Over 1,100 people have rated or reviewed the Credit Counselling Society on GoogleFacebookYelp, and other review sites. Check out what they are saying about our help. Below is a sample from some of our many offices which serve Canadians from Victoria, BC to Ottawa, Ontario:

Denied Debt Consolidation Loan
Credit Counselling Society Can Help

Phyllis is 65 years old, works full-time and lives in the Vancouver area with her husband, Joe. Over the years, Phyllis enjoyed buying gifts for her children, helping friends in need and paid for living expenses using credit. With retirement just around the corner, Phyllis realized that she owed $85,000 on 11 different credit cards, all of which Joe didn’t know anything about.

Phyllis was under a great deal of stress as she no longer wanted to keep her debt a secret from her husband but she was struggling to find a solution. She contacted her bank to ask for a consolidation loan but they were unable to help her. Instead, they referred Phyllis to the Credit Counselling Society.

Happy mature couple walking in a park while holding each other

Track Monthly Spending
Avoid Hidden Credit Card Fees

After meeting with a counsellor, Phyllis began to track her spending to find out where her money was really going. By using 11 different credit cards for so long, she had lost track of her spending completely. She also hadn’t realized that she was paying for creditor insurance on some of her credit cards and this was causing her debt to grow.

Build a Personal Budget
Weekly, Monthly & Seasonal Expenses

With the guidance of her counsellor, Phyllis began building a budget. She learned how to plan her pay cheques and decided how much she needed to allocate for her weekly, monthly ,and seasonal expenses based on her personal goals. Phyllis didn’t want to be saddled with debt during her retirement, and with a debt management program through the Credit Counselling Society, she’ll be able to reach her goal of enjoying her retirement debt free.

Debt Repayment & Management Plan

With her plan well underway, Phyllis felt relieved when she gained the courage to tell her husband about her secret spending and that she was now repaying her debt.

“Thank you doesn’t seem to be enough for helping me change my life and my future. Your patience and understanding was so very helpful and appreciated. I know that I am on the right track.” -Phyllis

Worried woman looking at bills

Dealing With Divorce Debt

Ellen is a 42 year old, recently separated woman living in Winnipeg. She had recently bought another home so that she could take care of her disabled mother more easily.

While she was waiting to sell her first home, she had to manage two mortgages. She was struggling to find a solution to her money trouble as she had over-extended herself financially.

She was uneasy about seeking help, but after seeing an ad on the TV Guide channel, she contacted the Credit Counselling Society.

Mortgage & Credit Card Debt
Gambling Is Not a Solution to Solving Debt Problems

Ellen had recently bought another home so that she could take care of her disabled mother more easily. While she was waiting to sell her first home, she had to manage two mortgages. During this time, she tried to make do as best she could, but accrued a considerable amount of debt on credit cards, a line of credit, and an RRSP loan. She had started to gamble in an attempt to make money to pay off the debt, but soon realized that this was a mistake. The gambling was making her situation worse. She was feeling overwhelmed and unable to cope.

Debt Management Plan
Solve Financial Difficulties & Settle Debts

Ellen met with a counsellor at her local Credit Counselling Society office. Together they reviewed her income, debts, and options, including bankruptcy. With her counsellor’s guidance, Ellen was able to create a plan for how to deal with her debt. Ellen’s best option to resolve her financial difficulty was for her counsellor to approach her creditors with a settlement offer on her behalf, and she was relieved to begin the process.

“It is finally over! You made the process a lot easier. I am relieved that my mother and I won’t be homeless. Now that this heavy weight has been lifted I can move on with the rest of my life.” -Ellen

Creditor Harassment
Stop Creditors Calling at Work

Greg lives in Vancouver and is 25 years old. He saw an advertisement on a BC Transit bus for the Credit Counselling Society and decided to find out if they could help him deal with his student loan and credit card debt.

He hadn’t been able to make payments on his loans for quite some time, so some of his debts had been assigned to a collection agency. They were calling him at all hours asking for money; they even called him at work. He was extremely upset and intimidated by their approach and became reluctant to ask anyone for guidance. However, things were getting worse and he needed help to manage his money and repay his debt.

Upset man using his phone in a kitchen

Financial Review
Communicating With Creditors & Debt Repayment

Greg met with a counsellor at his local Credit Counselling Society office. After carefully reviewing Greg’s situation, the counsellor explained his rights and responsibilities with respect to repaying his debts and dealing with his creditors; until then he didn’t even know he had any rights. Greg’s counsellor helped guide him on how to communicate with his creditors and the collection agency effectively. Together, Greg and his counsellor created a plan to pay off his debt so he could look forward to his future.

“I am extremely appreciative of your help and vast knowledge for organizing matters that I could not accomplish on my own. Thank you for assisting me in my goal of a debt free future.” -Greg

Note: All testimonials are unsolicited. The names have been changed to protect the privacy of our clients.

More Reviews

To find more testimonials, reviews, and ratings for the Credit Counselling Society and

People We Helped Interviewed on Global TV and CTV News

From time to time, the news media interviews some of the people we helped who are comfortable sharing their story publicly. Below are three Canadians who shared their experience with the Credit Counselling Society.

Global news interview video
Global News interviews Julia Fletcher after she pays off $10,000 in debt interest free with help from the Credit Counselling Society. Watch
CTV News interview video
CTV News shows how Dan Robinson paid off $30,000 in debt with no interest with the help of the Credit Counselling Society. See story

Global TV news interview video
Global TV speaks with Charis who has nearly paid off $67,000 in debt on 13 credit cards with help from the Credit Counselling Society. Watch


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.

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Our Credit Counsellors are experienced, professionally trained, and really care about helping our clients find the right solutions to their debt problems.

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