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The Credit Counselling Society is an accredited non-profit charity that helps Canadians with their money. We opened our doors in 1996 and have served over 700,000 Canadians through credit counseling and education.
Our mission is We Help, We Educate, We Give Hope. We do this by providing free credit counselling, low cost debt solutions, and education to Canadians.
We help any consumer who calls us. We can answer general questions about your credit, debt and budget. We can meet with you to discuss your specific situation and offer you information, unbiased advice, and resources to help you. No financial problem is too big or too small to get a fresh perspective on. And the best part is that it’s free and confidential.
Our Client Care team answers the telephone on average within three seconds because they know how hard it is to call us. Our team will answer your questions and if needed, will schedule an appointment with a credit counsellor in a location, time and method (in-person or by telephone) that serves you best.
Our Credit Counselling Team will meet with you by telephone or in-person to discuss your specific situation and give you information, unbiased advice, and resources to help you with your financial challenge. Our credit counsellors are Accredited Financial Counsellors (or on their way towards this certification).
Our Client Services team works with clients who establish a Debt Management Program. They liaise with creditors to ensure the program is set up accurately and payments are disbursed according to the program. They are here to help our clients stay on track with the Debt Management Program, ensuring freedom from debt within 5 years.
Our Education team provides financial education in the community through in-person workshops at local libraries, employers, community organizations, post-secondary institutions, and other organizations. They also provide live webinars for consumers across the country. Our Financial Educators are Certified Educators in Personal Finance or on their way to becoming certified.
The Credit Counselling Society helps consumers in three distinct ways.
1. We provide free credit counselling to any consumer who wishes to discuss their personal situation with us. Counselling appointments can be done in-person at any of our 23 offices across Canada or by telephone, six days a week. We have extended hours in order to serve consumers when it works for them. Appointments are typically 45 minutes and if more time is needed, a second appointment can easily be booked. Appointments are free, confidential and have no impact on your credit report.
2. We provide low-cost debt solutions. We can help some consumers with a payment plan that consolidates or pools (we’re licensed debt poolers) all unsecured debts into one monthly payment with interest relief. This solution is called a Debt Management Program (DMP), and it can help you become debt-free in a reasonable amount of time without permanently impacting your credit or record. There are small fees attached to this program.
3. We provide financial education and consumer outreach in various communities. We offer free public workshops in various local libraries as well as free public live webinars. We also offer tailor-made workshops to various organizations including employers, community organizations, government, and post-secondary institutions.
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