Simply Free Debt & Credit Counselling
British Columbia Credit Counseling Society

Who Are We?

The Credit Counselling Society in BC is Canada’s leading provider of non-profit consumer credit counselling & debt solutions services in British Columbia.
We’re an award-winning team that has helped countless individuals and families with debt, money management, and interest relief in BC. Come to us, and you’ll work with an experienced, professionally trained and certified credit counsellor – a debt relief specialist who will help you put together a plan to:

• Manage all of your living expenses
• Get your finances back on track
• Consolidate payments for your debts in BC into one monthly payment
• Save thousands of dollars in interest
• Stop collection calls from creditors

The Next Steps From Here

Once you’ve completed our Questionnaire or called our toll-free number, here are the next steps we’ll take toward helping you solve your financial concerns:

1. When you speak with one of our debt or credit counselling specialists during a confidential one-on-one, free appointment, you’ll provide details about your current financial situation, including your income, monthly expenses, assets, and the secured and unsecured debts you have.
2. With what you tell your credit counsellor, they’ll review your current financial position and explain which debt management or debt consolidation programs will work best. We’ll walk you through the pros and cons of each and give you as much time as you need to decide on the right one for your situation.
3. If you decide that our Debt Management Program (DMP) is best for you, your counsellor will contact your creditors and put a plan in place that lowers or eliminates interest charges going forward with a monthly payment that suits your budget. Once your credit counsellor starts putting a plan in place, you can explain that to debt collectors so that they stop persistently calling your home or work.
4. Once the details of your DMP have been worked out, you will be required to pay a monthly payment to us, which will be distributed to your creditors, ensuring you can pay off your debts without hassle.
5. If a DMP isn’t right for your situation, your credit counsellor will help you identify other options and solutions. Most people don’t know about some of the options your counsellor will share with you but everything from how to position yourself for a debt consolidation loan, to a debt settlement, legal solutions through the Bankruptcy and Insolvency Act, what to do when you really can’t pay your debts, or why a HELOC isn’t the best option for most people who want to get rid of their debt. If you’ve got questions, your counsellor has answers, and you don’t have to figure it out alone.

Why Choose Us?

For almost 30 years, the Credit Counselling Society has worked to assist all Canadians in becoming debt free. Through our debt consolidation and management assistance, and free services in credit counselling and financial education, we’ve helped our clients repay over $700 million in debt. More importantly, we have supported thousands of Canadians in regaining and improving their financial future.

If you’re still considering whether we are the best choice for you, here are some more facts about the Credit Counselling Society and what we’ve achieved.

We Are Dedicated to Our Clients

Our mission is to educate our clients and help them overcome difficult financial situations. It’s also to inspire hope, showing you that it’s possible to reach and even exceed your financial goals.

We at CCS do this by starting from a place of understanding, which is why we remain non-judgmental and open to hearing everything about your situation. We know everyone falls on hard times, and we don’t let that fact determine who you are.
After we get to know you and your financial situation better, we set about helping you to resolve and improve it through debt and credit counselling. We lay out the best debt repayment alternatives we have and show you how to create a monthly budget so you can carefully pay off your debts while covering all your routine expenses.

We ensure our clients have all the necessary resources to pay their debts without worry or stress. If you’re on a repayment program with CCS, we check in with you regularly, following up on your progress and making sure you continue to have the support you need to manage any bumps in the road as you work towards your goal to get out of debt.

Our Services are Trusted & Proven

Because of our dedication to debt and credit counselling, British Columbia and Canada as a whole have recognized our service in many ways. One crucial recognition is our accreditation from several chapters of the Better Business Bureau across Canada. We have also been an accredited member of Credit Counselling Canada (CCC) since its beginning in 1996, and in 2017, we became the first International Affiliate of the National Foundation for Credit Counseling® (NFCC®). Along with our strong affiliations and acknowledgements from these institutions, we have also received numerous awards over the years for providing excellent service to our clients all across British Columbia.

Our Staff are Known for Being Caring and Non-Judgemental

Whether you are a client or an employee, there is a reason why we are well-recognized for our successful debt and credit counselling services – our culture. At every level, we are respectful, caring, and supportive, ensuring our employees experience an open and friendly workplace and our clients experience a professional, helpful, and non-judgmental service environment. This results in our services being as smooth and stress-free as possible.

Of course, these are just some of the reasons to choose us for debt and credit counselling; British Columbia families and individuals will discover even more once they meet with us and talk about their financial future. Contact us today to get started!

About Our Credit Counselling & Debt Counselling BC Services

The Credit Counselling Society has offered non-profit consumer credit counselling for over 25 years. 95% of Canadians who get in touch with us get the help they need without being charged a cent.

How Our Debt Management Program Works

While most of our services are free, if our Debt Management Program is right for you, there will be some minimal administrative costs. In this program, we consolidate all of your credit card and other unsecured debt payments into a single monthly payment that you can afford. These payments are made to us, and then we disburse monthly payments to your creditors, simplifying the process for you immensely.

In addition, this debt consolidation service will eliminate or drastically reduce all credit card and debt interest charges going forward. While our assistance helps eliminate debt, allows you to re-establish your credit, protects your privacy, and gets your finances back in order as fast as possible, it’s just one of several ways we can help. We truly believe that the best debt consolidation in BC is a solution that enables someone to get back on the right track as soon as possible while helping them accomplish their long-term financial goals.

Our approach differs greatly from some commission-focused debt advisors, credit consultants, financial counsellors, and credit advisors. However, we firmly believe that when someone is having a difficult time financially, they need to carefully consider all options available and concentrate on what will most help them in the long term. This is why we don’t pay any of our staff commission – only straight salaries. And no fee to you for the information and guidance we provide.

In addition, to ensure our organization meets the highest national and international standards, we decided to join the most respected organizations in our industry in Canada and North America. We open ourselves to their audits in order to remain accountable to our peers and clients. We report to a volunteer board of directors and the Canada Revenue Agency. We’re also the only Canadian organization in our industry to open its books to an external auditor every year.

To benefit from working with one of our friendly, highly trained credit and debt counsellors, give us a call at 1-888-527-8999. Our help is free, confidential, and non-judgmental. The only thing you’ve got to lose is your debt.

The Credit Counselling Society of BC also provides alternatives to bankruptcy in British Columbia. For anyone looking for debt counselling BC services to get help communicating with their creditors, here’s a resource you might find helpful.