There are many differences but one of the big ones is that we don’t pay our staff commission. This means that our staff are paid the same regardless of what option you choose to deal with your debt situation. They don’t have a financial motive compelling them to steer you in a certain direction and sign you up for a specific product or service. Instead, they can have an objective conversation with you about all your options without sugar-coating anything.
Another big difference is that all of our Counsellors are professionally trained and accredited by the AFCPE, and our organization is accredited by Credit Counselling Canada. We are also accountable to the Canada Revenue Agency as a registered chartiy, and we're accountable to the National Foundation for Credit Counselling. No other credit counselling or debt relief organization in Canada has submitted themselves to this level of accountability, opened themselves up to this level of transparency, or has received this level of professional accreditation.
Another huge difference is that we help around 95% of the people who contact us entirely for free. Only around 5% of the people we help choose to go onto one of our programs that requires them to pay something (however, we do reduce or waive these costs if we believe that someone can’t afford them). It would be extremely difficult for a for-profit business to stay in business if they were to help 95% of people for free. This is why we were created as a non-profit that is supported by donations from the financial community – and the reason why so many businesses, government agencies, community groups, and individuals refer so many people to us every day.
On top of all this, our demonstrated commitment to excellence is unparalleled in our industry. We win more Consumer Choice Awards every year in cities across Canada than all other organizations in our field combined. 98% of our clients surveyed last year report they would recommend our service to others (we surveyed over 10,000). On Google, Facebook, Yelp, and other websites, you’ll find over 1,000 reviews that also reflect our commitment to excellence and always doing what’s in the best interest of everyone we help.