Struggling With Debt?

We can help get your personal finances back on track.
  1. Debt Help

We’re Here to Help You Get Out of Debt

You’re not alone! Almost half of Canadians are concerned about the amount of debt they are carrying, and a quarter say they are unable to pay all their bills every month. The Credit Counselling Society is here to help you figure out how to solve debt problems, get rid of your debt, and get back on track with your personal finances. As a non-profit organization, we offer FREE credit counselling appointments with our certified counsellors so that you can get all the information you need to make a decision about how you want to get out of debt. We understand debt happens to the best of us, and too much debt is something we never planned to have. Regardless of how you got into debt, we’ll make sure you leave your appointment with a plan to get out of debt. We’ve helped over 1 million Canadians find a way out of debt, and we’d be happy to help you too!

Credit Counselling

Credit counselling is a safe place to discuss your personal finances with a certified credit counsellor. Whether you’re struggling with debt or looking for guidance to achieve your financial goals, we’re here to help. Best of all it’s FREE!

Credit counselling, sometimes referred to as debt counselling or financial counselling, is a review of your current financial situation and future goals. A certified credit counsellor will go over your income and expenses to develop a realistic budget with you.

Discuss Your Personal Finances
Debt Consolidation

Debt Consolidation

If you have multiple high interest debts, it can be helpful to consolidate them into one affordable monthly payment. There are many ways you can consider consolidating your debts in Canada, and it’s important to understand which options may help you the most.

A credit counsellor can help answer your questions around debt consolidation and assess your current financial situation to help guide you in the right direction.

Want to know exactly where to start?

Just answer these 4 simple questions

Respond to these 4 easy multiple-choice questions to see how we can help you. It only takes a minute and you might be surprised by what you learn.

What’s going to work for you?
See which options apply to your situation
With all the options out there, it’s hard to figure out which ones apply to you or will even work for your situation. We now have a new way to narrow things down more quickly. Simply click on the button below, answer 9 questions, and then view your results. You’ll then be able to view a more focused range of options.


When your back is up against the wall and you’ve got nowhere else to turn, filing a consumer proposal or declaring bankruptcy may be the only path forward for you. Insolvency is often considered a last resort since there can be many legal and personal consequences associated with these options.

Discover the differences between a consumer proposal and bankruptcy to understand which insolvency option may work best for you. See an overview of how each one works along with the benefits and drawbacks of each option.

Looking At Insolvency
Getting Call from Collection Agency

Dealing with Creditors

When you find yourself in a difficult situation, feeling stressed with a lot of pressure, dealing with creditors can feel intimidating and even overwhelming. Fortunately there are laws that protect consumers and there are also effective ways to get creditors off your back.

Find out how to stop harassing phone calls and learn how to get creditors to work with you towards a solution. There are things you can do right now and things we can help you with too.

Find out how to get debt relief

Get the help you need. Find the right option that will work for your specific set of circumstances. Instead of endlessly looking through debt consolidation company reviews, let one of our experienced counsellors help you. If we can't fully help you, we'll refer you to an organization we trust that can or help you put together an action plan so you can get started on your next steps. Feel free to give us a call or chat with us online. We're here to help.
More about how we can help

Our credit counsellors specialize in helping people create a realistic personal or family budget, explore their options to get back on track, and then create a plan to get out of debt in a reasonable amount of time. They can also help with information or guidance in other related things such as negotiating an interest rate for debt relief, understanding different fees you may have been charged, understanding a loan amortization schedule, or learning what certain financial terms mean such as principal balance, consolidation, or amortization. Simply put, we’re here to help you get your finances back on the right track.

Related Articles

all about ccs

All About CCS

CCS has been helping Canadians since 1996. We help, we educate, and we give hope. Here’s how.

Learning Money Management in Workshop

Financial Education

We have financial education options for everyone. Join us and learn practical tips and info.

fastest way to get out of debt

Get Out of Debt

Are you wondering about the best or fastest way to get out of debt? Here are 12 top tips.


Was this page helpful?

Helpfulness of page - face 1
Helpfulness of page - face 2
Helpfulness of page - face 3
Helpfulness of page - face 4
Helpfulness of page - face 5