Ontario Credit Counselling
We offer confidential, non-judgmental, free credit counselling to help you solve your financial challenges.
Free Credit & Debt Counselling Services in Ontario
Credit Counselling Ontario – Are debt problems causing you stress? Maybe you’re struggling to make your minimum payments. If financial problems are making it hard to sleep or causing difficulty with your relationships, let us help.
Canada’s Leading Provider of Non Profit Consumer Credit Counselling & Debt Solutions Services
We are a non-profit service providing consumer debt and credit counselling services to Ontario. We can help you explore all your options and find the right solution for your situation. Our experienced, professionally certified Counsellors can also help you create a plan to:
- Consolidate your debts in Ontario with one monthly payment
- Get your finances back on track and effectively manage your living expenses
- Stop collection calls
- Save thousands of dollars in interest charges
Offices
Mississauga
Suite 501 – 77 City Centre Drive (East Tower)
Mississauga, ON L5B 1M5 view map
Currently providing telephone appointments only
Kitchener-Waterloo
Suite 300 – 22 King Street South
Waterloo, ON N2J 1N8 view map
Currently providing telephone appointments only
Discover Your Options
A Visual Overview of Possible Options
Here are some options that may be available to you based on the information you have provided about your financial situation. The most likely options are in green, less likely in yellow, and least likely in red. This is only intended to provide you with a general idea of the options that may be available to you. A credit counsellor will need to go over your information in much more detail to make a more precise determination.0
Option
Do a Deeper Dive to Uncover More Options
It looks as though your situation requires more in-depth analysis from a trained credit counsellor. They can help you optimize your budget, explore options, and create a plan to get back on track.
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Option
Self-Managed Solution
After thoroughly exploring your options with a credit counsellor, they can help you put together a plan to get out of debt in a reasonable amount of time. You can then implement this plan on your own.
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Option
Debt Consolidation Loan
Based on the information you've provided, it appears as though this could be a possibility if your credit score is strong enough.
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Option
Debt Management Program
It appears as though this may be an option for you. A Debt Management Program eliminates or drastically reduces interest and consolidates all payments into one.
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Option
Consumer Proposal
This may be an option for you to consider. It's a legal process that consolidates all payments into one. Talk to a credit counsellor about this and see if it makes sense for your situation.
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Option
Bankruptcy
Based on the information you've entered, it appears as though bankruptcy may be an option to resolve your financial challenges. You should speak with a credit counsellor about this and make sure you've exhausted all other options first.
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Option
Orderly Payment of Debts
Based on what you've entered, it looks as though an Orderly Payment of Debts (OPD) program may be an option for you. To find out if this would make sense for your situation, you should speak with a credit counsellor.
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Option
Voluntary Deposit
Based on the information you've provided, it looks as though a voluntary deposit program may be an option to address your debt situation.
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Bonus Option
Online Workshops
Learn how to improve your financial situation, create a budget, make your dollars stretch further, and get out of debt with one of our many helpful online workshops we call webinars.
More Specifics on How We Can Help You
Get Help Today
Give us a call to speak with one of our credit counsellors at 1-888-527-8999, or if you'd like us to contact you instead, please fill out the form below.People We’ve Helped Interviewed on CTV News and Global TV
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.
You can see more of the Credit Counselling Society in the news.
Providing Free Consumer Credit & Debt Counselling Services for 27 Years
With 98% of clients surveyed reporting they would recommend our services to others,
There’s a Way Out of Debt with Help
“I had just come to the point where I had given up hope – that there’s no way I could ever repay my debt. A friend of mine suggested I reach out, and I thought I’d get some condescending person on the phone lecture me about money, but my counsellor was the most compassionate, caring person who became sort of my own personal cheerleader.”
– Charis
More Information About Us & How We Approach Things
We’ve provided non-profit consumer credit counselling since 1996. Usually around 95% of people who contact us are typically helped for free. The only time someone pays for our services is if they decide to go onto our Debt Management Program
We believe that the best debt consolidation
To benefit from one of our highly trained credit and debt counsellors having a look at your financial circumstances and working with you to see your choices for getting things back on track, give us a call now 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 also provides alternatives to bankruptcy in Ontario.
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.
Ontario Communities We Serve
Toronto | Scarborough | North York | Etobicoke
Mississauga | Brampton | Caledon
Vaughan | Thornhill | Richmond Hill | Markham | Aurora | Newmarket | King | Stouffville | Whitchurch-Stouffville | East Gwillimbury | Georgina
Pickering | Ajax | Whitby | Oshawa | Uxbridge | Scugog | Brock | Clarington
Oakville | Milton | Burlington | Georgetown | Halton Hills
Ottawa | Hamilton | London | Kitchener | Guelph | Waterloo | Cambridge | Kingston | Thunder Bay | Kanata | Brantford | Barrie | Sault Ste Marie | North Bay | Peterborough | Cornwall | Chatham | Chatham-Kent | Bowmanville | St. Thomas | Woodstock | Midland | Leamington | Stratford | Orangeville | Timmins | Orillia | Bradford West Gwillimbury | Keswick | Owen Sound | Valley East | Lindsay | Fergus | Cobourg | Collingwood | Pembroke | Petawawa | Port Hope | Alliston | Tillsonburg | Simcoe | Strathroy | Amherstburg | Ingersoll | New Hamburg | Paris | Kenora | Elliot Lake | Rockland | Wasaga Beach | Beamsville | Wallaceburg | Arnprior | Carleton Place | Caledonia | Haileybury | Elmira | Acton | Smiths Falls | Hawkesbury | Port Perry | Bracebridge | Renfrew | Fort Frances | Kapuskasing | Port Elgin | Goderich | Hanover | Crystal Beach | Kirkland Lake | Aylmer | Napanee | Huntsville | Porcupine | Essex | Lively | Listowel | Kincardine | Sturgeon Falls | St. Marys | Port Dover | Embrun | Dryden | Perth | Bolton | Bradford | Grimsby | Windsor | Sarnia | Belleville | Brockville | St. Catharines | Niagara Falls | Welland | Fort Erie | Port Colborne
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