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Our Credit Counselling Services

We provide free, confidential, non-judgmental credit counselling to help Canadians get their finances back on track.

Become Debt FREE

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


What Our Help Looks Like - A Quick Overview


If you are stressed because of your debt, struggling to make your minimum payments each month and need a plan to get your finances back on track, we can help. The Credit Counselling Society is an award-winning credit and debt counselling non-profit service. Established in 1996 as a registered charitable society, we have helped hundreds of thousands of Canadians learn how to manage their money and debt better.

Services We Provide

Through our locations across Canada, we provide:

  • Free, confidential & non-judgmental credit counselling services
  • Debt consolidation, repayment and settlement programs
  • Money management education
    Budgeting assistance
  • Information and referral services

Our non-profit services are open to anyone who needs help. There are no restrictions on age, gender, race, or income level. We help people from all walks of life with free, confidential appointments with professionally trained and certified Counsellors.We require all of our Credit Counsellors to become accredited by the Association for Financial Counselling and Planning Education (AFCPE) through their Accredited Financial Counsellor Canada Program.

How We Can Help

When you meet with one of our Credit Counsellors they can help you:

  • Create a spending plan to manage all of your living expenses
  • Explore all your options to help you get your finances back on track and get out of debt
  • Get your finances back on track
  • Consolidate your debts with one monthly payment
  • Save thousands of dollars in interest charges
  • Stop collection calls from creditors

You can speak with one of our Counsellors either in person at one of our offices or over the phone, if that's more convenient for you.


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In All That We Do, What’s Best for Our Clients Comes First


Even though we are a non-profit service, we don't take a passive approach to helping Canadians with their debts. Our vision is to be the leader in providing innovative and superior personal credit and debt counselling services and programs in Canada.

While our vision is very important to us, our values are even more important:

  • We are committed to quality and excellence in everything we do.
  • We act with honesty, integrity and ethics.
  • We treat all people with dignity, fairness and respect.


Global News interviews Julia Fletcher after she pays off $10,000 in debt interest free due to help from the Credit Counselling Society. Watch the segment


CTV News shows how Dan Robinson paid off $30,000 in debt with the help of the Credit Counselling Society. See his story

Accredited member of Credit Counselling Canada.
International affiliate of the National Foundation for Credit Counseling.
Accredited as a charity with the Better Business Bureau.

Accredited to The Highest Credit Counselling Standards

We are federally registered as a Canadian charitable organization. We are an accredited, charter member of Credit Counselling Canada (CCC), a national association of non-profit consumer credit counselling services, and we're also an international affiliate of the National Foundation for Credit Counselling® (NFCC®), North America’s largest non-profit credit counselling organization. The Credit Counselling Society is an accredited member of the Better Business Bureau (BBB). We are accredited at their highest level of accountability as an "Accredited Charity".

We are government licensed as required by the laws in the provinces in which we serve. Feel free to contact your province’s consumer protection authority to verify our good standing.
Consumer Choice Award Logo Array 2011 to 2019

Over 50 Awards Received for Our Credit Counselling Service

No credit or debt counselling organization in Canada has won more awards or receives more reviews for outstanding service than the Credit Counselling Society. Every year we win the Consumer Choice Award in many cities across Canada, and we often win other awards such Great Place to Work awards for creating one of the best workplaces for our employees in Canada.

As wonderful as it is to receive awards, what's far more important to us is actually helping Canadians with their finances and their debts. This is so important to us that we've created the largest network of non-profit credit counseling offices in Canada staffed by local, professionally trained Credit Counsellors. We now have 23 offices in Alberta, BC, Manitoba, Ontario, and Saskatchewan and are always looking to add more.

To ensure that we are providing the best service possible, we send a survey to every person we help and ask them how we did and what we can do better. Typically around 97% to 98% of our clients report that they would recommend our service to others. You don't have to take our word for it though, you can check out the over 1,000 reviews our clients have left on Facebook, Google, Yelp, and other rating and review websites.

Our Commitment to Excellence

The Credit Counselling Society values the relationship we develop with each of our clients and with those who contact us to inquire about the debt help services we provide. Our aim is to provide a professional, efficient, helpful and friendly service. If we have not met or exceeded your expectations please contact us and let us know.

If you're struggling with your debts and need help, give us a call today. We can help you. Speaking with our accredited Credit & Debt Counsellors is always free, completely confidential and non-judgmental. Call us today at 1-855-232-4888 and get your finances back on track. You've got nothing to lose but your debt.


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