We help you get your finances back on track with confidential, free, non-judgmental credit counselling.
Free Credit & Debt Counselling Services in Kitchener
Free Credit Counselling Kitchener, 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 Non Profit Consumer Credit Counselling & Debt Solutions Service Provider
We are an award winning non-profit consumer credit and debt counselling service providing help with debts, money management, and interest relief in Kitchener. Our experienced, professionally trained and certified Counsellors can help you put together a plan to:
Get your finances back on track and effectively manage your living expenses
Stop collection calls
Save thousands of dollars in interest charges
Find Out Exactly How We Can Help by Answering 4 Simple Questions
Not sure where to start in finding help for your specific financial situation? Answer these 4 easy multiple-choice questions to get pointed in the right direction. All you have to do is click the boxes that apply to you and then the green button when you're done.
How We Can Help Self Assessment
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 interviews Julia Fletcher after she pays off $10,000 in debt interest free with help from the Credit Counselling Society. Watch
CTV reveals how Dan Robinson paid off $30,000 in debt interest free with help from the Credit Counselling Society. See story
Charis is interviewed by Global TV after nearly paying off $67,000 on 13 credit cards. The Credit Counselling Society helped her. Watch
Glad I made that call to The Credit Counselling Society.
Dawn Allen- Trusz
their great and very helpful 🙂 told me lots of info that has come in handy..highly recommend 🙂
I was referred to your program by Bosman Accounting in Vernon. I was extremely stressed and you listened to me...read moreI was referred to your program by Bosman Accounting in Vernon. I was extremely stressed and you listened to me with empathy and compassion, and scheduled a telephone appointment right away, after learning the time sensitivity of my situation. The counsellor "Graeme" was patient, kind and professional. I felt so much better after working with him to create a budget plan and learning about how to manage the process with my creditors. I recommend contacting The Credit Counselling Society if you find yourself overwhelmed by debt, collections, or the CRA!read less
Thanks BMO for referring me to CCS. Now I'm on the right track, Thanks CCS
My counsellor and the staff were very professional and understanding, and very encouraging also. I had some hiccups when...read moreMy counsellor and the staff were very professional and understanding, and very encouraging also. I had some hiccups when my counsellor took a medical leave, which left me with telephone appointments with a replacement; and when I had another income crisis that made it difficult to make my payment. But it was very reassuring to pay a single sum to the Society, and have them deal with the creditors. I have a huge load off my chest without that big debt.read less
very helpful, professional and informative
Such genuinely caring staff that really take an interest in my situation
Exactly what I needed at thsi point in my dispute...
the knowledge and willingness to help us see a ray of hope.
Providing Canadians With Free Credit & Debt Counselling Services Since 1996
With 98% of clients surveyed reporting they would recommend our services to others, offices located in communities across Canada, the Better Business Bureau’s highest rating, and over 80 awards, the Credit Counselling Society is one of Canada’s leading credit counselling and debt relief service providers. If you need help with your debts or just want to learn how to manage your money better, call us now at 519-340-1013 or 1-888-527-8999.
22 King Street South Suite 300 Waterloo, Ontario N2J 1N8
This office is currently closed. Please call us to make a telephone appointment.
“Life just happened. My debt got to the point where I started to feel like I was drowning. I didn’t feel like I could fix it on my own, and I wanted to start living my life as an adult without debt. I decided to reach out for help. Feeling relieved, I knew that everything was going to be okay – a lot of work – but okay. I had a plan to pay back my debt and continue doing the things I love to do like yoga and travelling.”
More About the Credit Counselling Society & Our Standards
We’ve offered non profit, consumer credit counselling for well over 20 years. 95% of Canadians who get in touch with us are often helped without being charged a cent. People only choose to pay for our help if they decide to go on our Debt Management Program. This consolidates each one of someone’s credit card and other unsecured debt payments into a single monthly payment that they can afford. The program either eliminates all credit card interest rates or drastically reduces them. Although this is a valuable program that eliminates debt, allows someone to re-establish their credit, protects their privacy, and gets their finances back in order as fast as possible, it’s just one of a number of ways that we’re able to help people.
We believe that the best debt consolidation or debt help is an option that allows someone to get back on track as quickly as possible while helping them achieve their long-term financial goals. Unfortunately, our approach is at odds with the way some commission driven financial counselors, debt advisors, credit consultants, and credit advisors out there operate, but we believe that when someone is struggling financially, you need to look at all their options and focus on what’s going to help them the most in the long run. For this reason we don’t pay our staff commission – only a salary. To hold our organization to the highest standards possible we have joined, been audited by, and are accountable to the National Foundation for Credit Counseling and Credit Counselling Canada. We’re also accountable to the Canada Revenue Agency, a volunteer board of directors and are the only organization in our industry to open up our books to an external auditor every year.
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 519-340-1013. Our help is free, confidential, and non-judgmental. The only thing you’ve got to lose is your debt.
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.