Toronto Credit Counselling Services
We provide free, confidential, non-judgmental credit counselling to help you get your finances back on track.

Toronto, Ontario Credit Counselling Society
Free Debt and Credit Help

Credit Counselling Toronto – Stressed about your debts? Maybe your credit is maxed out, you can’t sleep, or financial worries are affecting your relationships. We can help.


Canada’s Leading Provider of Non Profit Consumer Credit Counselling & Debt Solutions Services

We are an award winning non-profit consumer credit and debt counselling service providing help with debts, money management, and interest relief in Toronto. Our experienced, professionally trained and certified Counsellors can help you put together a plan to:

  • Get your finances back on track and create a budget to manage your expenses
  • Consolidate your debts in Toronto into one affordable payment
  • Stop creditor collection calls
  • Save many thousands of dollars in interest
Looking to get back on track?
Get Started
Get started today by speaking with one of our Credit Counsellors. All you need to do is call us to make an appointment or ask some questions. Our appointments are free and confidential, and all of our Counsellors are friendly and non-judgmental.

People We Helped Interviewed by the News Media

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 speaks with Julia Fletcher after she pays off $10,000 in debt with no interest because of the Credit Counselling Society’s help. Watch
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 sits down with Charis who has almost paid off $67,000 worth of debt on 13 credit cards with the assistance of the Credit Counselling Society. Watch

Offering Free Consumer Debt & Credit Counselling Services for Over 20 Years

With over 98% of our clients surveyed stating they would recommend our services to those they know, the Better Business Bureau’s best rating, 23 locations across Canada, and top notch service that’s gotten us over 55 awards, the Credit Counselling Society has a strong track record as one of the leading providers of credit counselling and debt relief service in Canada. Whether you want to get your finances back on track, make a plan to get out of debt, or simply learn how to work better with your money, call us at 647-776-0485 or 1-888-527-8999.

Toronto Office

425 Bloor Street East
Suite 520
Toronto, ON M4W 3R4

Phone: 647-776-0485

Plan Your Trip: TTC Trip Planner

Our Toronto office also provides credit counselling services to Scarborough, York, East York, North York, Etobicoke, Mississauga, Brampton, Vaughan, Markham, Don Mills, Pickering, and Greater Toronto Area.

There’s Life Beyond Debt for Everyone

“When debts became a problem, I felt very overwhelmed – like I could not see the end of the tunnel. Picking up the phone felt like lifting a 10 pound rock, but they were very cheerful on the other end of the line. I came in, discussed my situation in privacy, and instantly got relief knowing I was in good hands.”

– Delores

More Information About Us & How We Approach Things

We’ve offererd 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 firmly believe that the best debt consolidation and debt help is something that allows an individual or couple to accomplish their financial goals in the long-run while getting their finances back on track as fast as possible in the short-term. It’s disappointing that this perspective is at odds with how some commission driven credit consultants, financial counselors, debt advisors, and credit advisors who are out there choose to operate. We feel that when someone is having a hard time financially, it’s important to carefully consider all their options and figure out what’s going to work best for them in the long run. This is one important reason why we pay our staff a salary rather than commission. 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.

If you’d like one of our professionally trained counsellors to take a look at your situation and help you figure out what all your options are to get back on track, give us a call today at 647-776-0485. All you’ve got to lose is your debt.

The Credit Counselling Society also provides alternatives to filing for bankruptcy in Toronto, Ontario.

Have questions?

Need some help?

If you want help figuring out the best solution for your unique situation, call or chat with us online. We’re here to help.

Placing Your Interests First

Our highest goal is to always put you first and look out for your best interests in all we do. One of the ways we do this is through accountability and transparency. Our organization and its staff are held to the most rigorous standards of accountability in our industry.

Dylan Gadwa
Dylan Gadwa2021-04-05

Mark Christensen was amazing! Recently spoke to Rhonda who is incredible too! All of the staff is great, very professional and understanding. Highly recommend their service.

Belen Aceves
Belen Aceves2021-03-09

Fantastique, meilleur en matière de conseils et d'opinion sur la façon de s'en sortir face à une situation financière.

Denise Ryan
Denise Ryan2020-11-15

Very good response time, and the agent was so helpful and understanding! I have a very clear idea of my options now, and I didn't feel judged at all.

Sandor Dugalin
Sandor Dugalin2020-10-15

A family member recommended credit counselling society to me and it took me months to get the courage to call but I'm so glad I did, I'm debt free now thanks to the credit counselling with their wonderful counsellors and every member of staff I came in contact with , truly professional and friendly! I highly recommend this company and you will not regret it!!!!!

alice da silva
alice da silva2020-09-05

Hi had the opportunity to get connected with Kelly Peckitt. I must say, she was highly professional, extremely knowledgeable, and totally understanding. She addressed my questions and guided me so well that I felt so relieved. When I called I had some very important and some silly questions for her, but she did not let me feel at any given point that I was asking her too many questions. I am SO IMPRESSED with her service.Awesomely good job Kelly. Thank you. God Bless.

Karim Vadsaria
Karim Vadsaria2020-08-15

Melody Starr
Melody Starr2020-08-15

silvia carlson
silvia carlson2020-05-15

Carlos Hicks
Carlos Hicks2020-04-12

I would highly recommend the Credit Counseling Society. Everyone I have spoken to is very professional, friendly and non-judgemental.

Rebecca Romalis
Rebecca Romalis2020-04-12

Professional and helpful. I was so nervous going in but that quickly dissipated once I got to talking to my counselor. I had done a lot of research beforehand so I knew that the Credit Counselling Society was reputable and Not-for-Profit. I had a lot of questions going in and they answered all of them. They even let me read the agreement before it was personalized so that I had an idea of what it covered. I feel so much better now that I am moving towards a more financially sustainable life.

CM Alexander
CM Alexander2020-04-12

Seriously an amazing resource! Better than anything that have in the United States.

I had a convenient 1 hour telephone conversation with Rhonda where I was given valuable information and alternatives to deal with my situation. Rhonda was very professional and courteous. She listened to my concerns and helped me with a reasonable budget and referred me to a great insolvency trustee who I'm continuing to work with.

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

Olive Rose
Olive Rose2020-04-12

You are offering enormous support for our society. I hope you can help people to handle their financial problems and save their lives by living free of debt. All of your stuff should be proud of doing that.

Mike Coca
Mike Coca2020-04-05

The person I talked to explained things very well and gave hope that I shall be able to get out of debt. She was straight forward and she definitely helped me understand what I could do in my situation and what laws are in place that will help me ultimately balance my budget.

Ruth D. Shultz
Ruth D. Shultz2020-03-15

Recieved great advice how to deal with some financial matters. Found out a few things to. Didn't need to go into an office was all done over the phone.

Paula Ewaski
Paula Ewaski2020-03-05

Mike Rodger
Mike Rodger2020-03-05

I just wish to publicly Say Thank You to Credit Counselling Society for their on going help, patience and understanding. And their ability to be flexible in scheduling vi phone call or in personI would recommend them 100%Cheers

lee G
lee G2020-03-05

Highly recommended, very empathetic, and professional. It was a very informative learning experience

O T2019-04-12

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.

camela Figueira
camela Figueira2019-04-12

Very professional and helpful.

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

Aline Legault
Aline Legault2019-04-12

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 worries were put at ease and I BECAME DEBT FREE. Thank you Melanie and the Credit Counselling provide a very valuable service not just in regard to our overall financial health but our physical and emotional well-being too.

Andrew Antoine
Andrew Antoine2019-04-12

Michael Magajes
Michael Magajes2019-04-12

Great Service!!! Highly recommend using them

Rick Holden
Rick Holden2019-04-12

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.

Johanna Faulk
Johanna Faulk2019-04-12

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!

Jessica Smith
Jessica Smith2019-04-12

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.

Ollie O
Ollie O2019-04-12

Phillip was accommodating and helped me handle my situation. He responded quickly to my concerns.

Sani Bas
Sani Bas2019-04-12

Everything about this firm was professional and incredibly helpful. From the lady setting up the initial appointment to my session(s) with the counselor (Phil) - everything was great!They have been an important part of my journey to get my life back on track and get control of my financial situation, which has been putting pressure on me during my entire adult life.Hope other people use the service to better themselves, as I can attest to their top-quality assistance. Good luck to all that go.

Jim Mylonas
Jim Mylonas2019-04-12

Sher Singh
Sher Singh2019-04-12

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.

Catalina R
Catalina R2018-04-12

I had the very good experience with my counselor and would recommend individuals to go if needed.

Tara Autwal
Tara Autwal2017-04-12

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.

wonderful service, really feel satisfied after talking to the agent

Araib Saad
Araib Saad2016-04-12

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!

Ainsley K
Ainsley K2016-04-12

Great, professional, and caring members - provide real solutions and positive perspectives on financial help.

Lynn Griffin
Lynn Griffin2016-04-12

Will recommend their services to anyone with minor/major personal financial difficulties.

larrie homer
larrie homer2016-04-12

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.

Mike M
Mike M2016-04-12

This agency was most helpful in providing sound and non-judgmental advice regarding my financial situation. Very professional and approachable.

Marg O'Leary
Marg O'Leary2016-04-12

Great staff, great team, great support and great service! I am very grateful as you can tell 😉

Tilmon Gallant
Tilmon Gallant2016-04-12

alex joseph
alex joseph2015-04-12

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.

Allan Clements
Allan Clements2015-04-12

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.

Adam Connor
Adam Connor2015-04-12

I would highly recommend this to anyone with credit issues. The councillors are caring, knowledgeable and they can help you get on track.

Ric Garcia
Ric Garcia2015-04-12

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.