We offer confidential, non-judgmental, free credit counselling to help you solve your financial challenges.
Credit Counselling Society Serving Waterloo, Ontario Free Debt & Credit Help
Credit Counselling Waterloo – Struggling to make your minimum payments? Are debt problems affecting your sleep, health, or relationships? We can help put an end to your stress. We serve all of Waterloo and the surrounding areas.
Non Profit Consumer Credit Counselling & Debt Solutions from Canada’s Leading Service Provider
We are a non-profit consumer credit and debt counselling service providing debt solutions and help in Waterloo. Our highly trained and professionally accredited Counsellors can help you explore all of your options and find the best solution. We can help you:
Get your finances back on track and create a budget to manage your expenses
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
At times, the news media will interview one of the people we helped who are comfortable sharing their story with the public. Below are three of these stories.
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 interviews Dan Robinson after paying off $30,000 in debt at 0 interest with the help of 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
Tim was a very kind helpful patient counsellor. I can now see light at the end of the tunnel! He...read moreTim was a very kind helpful patient counsellor. I can now see light at the end of the tunnel! He clearly explained my options, and I now have a plan to eliminate my debt. Thank you so much . 😊read less
I have recommended CCS to many people who are struggling with debt. It has definitely helped me get out of...read moreI have recommended CCS to many people who are struggling with debt. It has definitely helped me get out of debt and support me while I have been doing it. However, my current counsellor seems to not have the knowledge about financial services that are endorsed by CCS.read less
I had an excellent experience with Danielle Scott at the Credit Counselling Society, as I always have over the years....read moreI had an excellent experience with Danielle Scott at the Credit Counselling Society, as I always have over the years. I haven't learned the lesson yet of how to be financially literate, maybe this time! But, if you know the feeling when your finances are stretched too far and there is no source of money any more, and you don't know where to turn, the Credit Counselling Society is the softest place to fall that I know of. They are free, and they are there for you every step of the way, to get you out of this jam, in one piece. There is light at the end of the tunnel, and when I needed hand-holding, they held out a hand for me!read less
They were a huge help in helping me pay down my credit card debt without having to deal with the...read moreThey were a huge help in helping me pay down my credit card debt without having to deal with the interest rates.read less
We found them to be very helfl .The pointed out some thins we should do and how to do what...read moreWe found them to be very helfl .The pointed out some thins we should do and how to do what they suggested.read less
Changed my life. They have given me the opportunity to start fresh. Understanding and helpful. Thank you
I was really at a low point in my life with debt collectors and borrowing money from family and friends...read moreI was really at a low point in my life with debt collectors and borrowing money from family and friends until i called The Credit Counselling.I started to feel free again.Thank you Credit Counselling.read less
I was very pleased with everything and everybody
They are very helpful and pleasant. Highly recommend!
Providing Free Consumer Credit & Debt Counselling Services for 25 Years
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, ON N2J 1N8
This office is now serving the community with telephone appointments only.
“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.”
More Info About the Credit Counselling Society & Our Approach
We’ve provided non-profit credit counselling for over 25 years and usually give entirely free help to about 95% of those who reach out to us. People will only pay for our help if they make the decision to sign up for our Debt Management Program. This consolidates every one of someone’s credit card and other unsecured debt payments into just one monthly payment that fits their budget. With this program, interest is either stopped or substantially reduced. It will eliminate debt while protecting privacy, allowing credit repair, and working to put people’s finances back on the right track as soon as possible. Yet this is simply one of a variety of tools we have to assist 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 also ensure our organization operates at the highest ethical standards and follows best practices, we have chosen to join, submit ourselves to audits by, and are accountable to Credit Counselling Canada and the National Foundation for Credit Counseling. We are also accountable to a volunteer board of directors, the Canada Revenue Agency, and are the only agency in our industry to open its books up to an external auditor annually. When it comes to earning and keeping your trust, we believe that maintaining the highest standards of transparency and accountability are paramount.
If you’d like to speak with one of our professionally trained credit and debt counsellors, take a look at your financial situation, and see what options you have to get back on track, call us now at 519-340-1013. We’re here to help you.
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.