Free, Confidential, Non-Judgmental Help & Guidance

In person at one of our offices, over the phone with a highly trained Counsellor, or through an online workshop

Get Control of Your Finances

We will show you how.

  • Reduce or eliminate interest charges from credit cards
  • Repay your debts with one affordable monthly payment
  • Avoid bankruptcy
  • Stop collection calls
  • Start saving for your future

Consolidate & Reduce Monthly Payments

One of our experienced Credit Counsellors can help you review your financial situation and see what consolidation options you have that will fit your goals and your budget and get you back on track as quickly as possible. Options may include our Debt Management Program which combines unsecured debt payments into one affordable monthly payment that fits your budget. Speak with one of our Counsellors to see what options you have. They can also help you put together a plan to get out of debt.

I can’t tell you how helpful this service is! We went in feeling overwhelmed by debt and embarrassment, and left feeling empowered.

Sherrie W.


Stop Collection Calls

If you are being harassed by your creditors, this can be stopped very quickly and easily—for free. Our experienced Credit Counsellors will help you:

  • Stop the harassing phone calls
  • Develop an overall strategy to manage a short-term financial crisis
  • Outline what you need to do to gain the cooperation of your creditors
  • Identify and resolve unreasonable collection practices
We can do all of this—plus a lot more—for anyone with debts in Canada.

One-On-One Help with a Highly Trained Counsellor

Take the opportunity to speak with a Counsellor and review your monthly budget, including your income, expenses, and debt payments. Speaking with our Counsellors is free and completely confidential. Your Counsellor will provide you with information and guidance to help you make an informed decision about your finances.

Our counsellor was the best person I have ever dealt with. With this being a sensitive situation, he did not come across as judgmental, and he was extremely helpful.

Tim S.