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Debt Repayment Solutions & Credit Counselling Help

Helping you find the right approach or program to turn your situation around

Become Debt FREE

Request a free, confidential, personal consultation to get information on ALL of your options to become debt FREE.


Non-Judgmental Guidance and Solutions

Is the stress of being in debt getting to you? You might only be a few months behind on your bills, or you might be so far behind that you don’t even open your bills anymore. Whatever your situation, we have experienced, caring Counsellors ready to give you guidance and solutions that will work for you. Speaking with our Counsellors is free and confidential, because nothing should get in the way of getting help with your debts.

Depending on your situation, there are various options and strategies our Counsellors will discuss with you.


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Debt Management Program – Consolidating with One Affordable Monthly Payment

There are many different types of debt consolidation. A debt repayment program through the Credit Counselling Society means that we help you get on track with your money so that you only need to make one payment each month. The amount of the payment is based on what you can afford, and you do not borrow more money to pay off what you already owe.

Your Counsellor will work with you to figure out what you can afford for a payment each month, while still maintaining a reasonable lifestyle. While you are repaying your debts through our program, your creditors will substantially lower or eliminate interest charges. All of your credit card payments will be consolidated into one affordable monthly payment. In the end, this allows you to repay all of your debts, get back on track, and save thousands of dollars in interest.


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We'll Help You Explore All Your Options

Find out how to get back on track as quickly as possible while moving towards your long-term goals. We'll help you do this by helping you create a realistic plan that fits your budget. Your plan could possibly draw on a wide range of options such as the following:

Debt Repayment Strategies

If you would like to resolve your situation on your own, we’re happy to provide you with guidance and information so that you know what to do. Sometimes this means showing you how to communicate effectively with your creditors to gain their cooperation during a difficult time, providing advice about consolidation loans, or explaining what to look for as you consider other options.

Speaking with one of our Counsellors doesn’t obligate you to anything, and a little good advice can go a long way.

Debt Settlement Program

A debt settlement means that you pay back part of what you owe. If this option is right for you, one of our Debt Settlement Specialists will negotiate with your creditors to accept a one-time lump sum payment. Our debt settlement programs are highly successful because creditors recognize the Credit Counselling Society as a trusted, reputable non-profit organization. Speak with one of our Counsellors to find out if offering your creditors a settlement is the right option for you.

Referral to Other Services

After looking at your financial situation, your Counsellor may recommend the services of another professional such as an accountant, lawyer, or Licensed Insolvency Trustee. If one of your options includes either a Consumer Proposal or bankruptcy, your Counsellor will explain the process, your responsibilities, and the long term implications. That way you have the information you need to make an informed decision. The sooner you come to see us, the more options you’ll typically have.

Helping Canadians for Over 20 Years

While you may not have heard about us until now, we’ve been helping Canadians resolve their financial challenges and improve their financial skills for over two decades. During this time, we’ve earned over 50 awards for our service.


Consumer Choice Award Logo Array 2011 to 2019


Canadians have chosen us the Consumer Choice Award winner in numerous cities across Canada.

Last year we were chosen as the winner in Ottawa, Hamilton, London, Winnipeg, Regina, Saskatoon, and Vancouver.


Putting Your Interests First Through Transparency & Accountablity

We are held accountable to the most rigorous standards in our industry and are accountable to over a dozen external organization. Learn more about who we are accountable to.


People We've Helped

On Google, Facebook, Yelp, and other websites, you can find over 1,000 reviews from people that we’ve helped.

Ellen - counselling appointment

"I really appreciated the fact that I did not feel judged. I was treated with respect and dignity and felt that there was hope for my future."

- Ellen P


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

- Tim S


"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

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