Ontario Credit Counselling

We offer confidential, non-judgmental, free credit counselling to help you solve your financial challenges.

Free Credit & Debt Counselling Services in Ontario

Credit Counselling Ontario – Are debt problems causing you stress? Maybe you’re struggling to make your minimum payments. If financial problems are making it hard to sleep or causing difficulty with your relationships, let us help.

 

Canada’s Leading Provider of Non Profit Consumer Credit Counselling & Debt Solutions Services

We are a non-profit service providing consumer debt and credit counselling services to Ontario. We can help you explore all your options and find the right solution for your situation. Our experienced, professionally certified Counsellors can also help you create a plan to:

  • Consolidate your debts in Ontario with one monthly payment
  • Get your finances back on track and effectively manage your living expenses
  • Stop collection calls
  • Save thousands of dollars in interest charges

Offices

Ottawa
331 – 116 Albert Street
Ottawa, ON, K1P 5G4 view map

613-234-0505 or 1-888-527-8999

Toronto
Suite 520 – 425 Bloor Street East
Toronto, ON, M4W 3R4 view map

647-776-0485 or 1-888-527-8999

Mississauga
Suite 501 – 77 City Centre Drive (East Tower)
Mississauga, ON L5B 1M5 view map
Currently providing telephone appointments only

647-776-0485 or 1-888-527-8999

Kitchener-Waterloo
Suite 300 – 22 King Street South
Waterloo, ON N2J 1N8 view map
Currently providing telephone appointments only

519-340-1013 or 1-888-527-8999

Hamilton
Suite 906 – 20 Hughson Street S
Hamilton, ON L8N 2A1 view map
Currently providing telephone appointments only

905-538-5035 or 1-888-527-8999

London
341 Talbot Street
London, ON N6A 2R5 view map
Currently providing telephone appointments only

519-286-0801 or 1-888-527-8999

Find Out What Options May Be Available to You
by Answering 9 Simple Questions

Just answer these easy, multiple-choice questions to get a look at your potential options. Within a few minutes, you'll be looking at summarized options and results that apply specifically to your situation.

Discover Your Options

Self Assessment of Debt Relief Options
1. How would you describe your financial situation? Please move the slider along the scale to reflect approximately where you feel you're at.
I can cover all my expenses each month, plus have the ability to save.
 
I can cover my monthly expenses, but I need to borrow, work extra, etc.
 
I can no longer cover all my expenses every month.
 
2. Which of the following best describes you?
3. How stressed do you feel about your debt?
Not stressed
 
Somewhat stressed
 
Very stressed
 

People We’ve Helped Interviewed on CTV News and Global TV

From time to time, the news media interviews some of the people we helped who are comfortable sharing their story publicly. Below are three Canadians who shared their experience with the Credit Counselling Society.

Global Tv Talks To Julia Fletcher
Global TV talks to Julia Fletcher after she pays off $10,000 in debt with 0 interest negotiated by the Credit Counselling Society. Watch
Ctv Reveals How Dan Robinson
CTV reveals how Dan Robinson paid off $30,000 in debt interest free with help from the Credit Counselling Society. See story

Global Tv Speaks With Charis
Global TV speaks with Charis who has nearly paid off $67,000 in debt on 13 credit cards with help from the Credit Counselling Society. Watch

Providing Free Consumer Credit & Debt Counselling Services for 27 Years

With 98% of clients surveyed reporting they would recommend our services to others, offices located in communities across Canada, the Better Business Bureau’s highest rating, and over 80 awards, the Credit Counselling Society is one of Canada’s leading credit counselling and debt relief service providers. If you need help with your debts or just want to learn how to manage your money better, call us now at 1-888-527-8999.

There’s a Way Out of Debt with Help

“I had just come to the point where I had given up hope – that there’s no way I could ever repay my debt. A friend of mine suggested I reach out, and I thought I’d get some condescending person on the phone lecture me about money, but my counsellor was the most compassionate, caring person who became sort of my own personal cheerleader.”

– Charis

More Information About Us & How We Approach Things

We’ve provided non-profit consumer credit counselling since 1996. Usually around 95% of people who contact us are typically helped for free. The only time someone pays for our services is if they decide to go onto our Debt Management Program (some might also refer to it as an Ontario debt relief program). This consolidates all of someone’s credit card and other unsecured debt payments into one affordable monthly payment that has significantly reduced or 0 interest. This program protects peoples’ privacy, allows them to restore their credit, eliminates their debt, and gets their finances back on track as quickly as possible. It’s just one of many tools we have to help people.

We believe that the best debt consolidation in Ontario or debt help in Ontario is an option that allows someone to get back on track as quickly as possible while helping them achieve their long-term financial goals. Unfortunately, our approach is at odds with the way some commission driven financial counselors, debt advisors, credit consultants, and credit advisors out there operate, but we believe that when someone is struggling financially, you need to look at all their options and focus on what’s going to help them the most in the long run. For this reason we don’t pay our staff commission – only a salary. To hold our organization to the highest standards possible we have joined, been audited by, and are accountable to the National Foundation for Credit Counseling and Credit Counselling Canada. We’re also accountable to the Canada Revenue Agency, a volunteer board of directors and are the only organization in our industry to open up our books to an external auditor every year.

To benefit from one of our highly trained credit and debt counsellors having a look at your financial circumstances and working with you to see your choices for getting things back on track, give us a call now at 1-888-527-8999. Our help is free, confidential, and non-judgmental. The only thing you’ve got to lose is your debt.

The Credit Counselling Society also provides alternatives to bankruptcy in Ontario.

Need some help?

Get Relief From Your Stress & Debt Today

With Canada’s most trusted and highest accredited non-profit credit counselling service available in Canada here for you, what’s holding you back?

Putting Your Interests First

Our goal is to always put consumers first and look out for their best interests in everything we do. One way we do this is through transparency and accountability. We are held accountable to the most rigorous standards in our industry.

Certified by Great Places to Work Canada
Accredited by Canada’s national association of non-profit credit counselling organizations.
North America’s largest association of non-profit credit counselling organizations.
Accredited by the Better Business Bureau.
Ontario Communities We Serve

Greater Toronto Area (GTA)

Toronto | Scarborough | North York | Etobicoke

Region of Peel

Mississauga | Brampton | Caledon

York Region

Vaughan | Thornhill | Richmond Hill | Markham | Aurora | Newmarket | King | Stouffville | Whitchurch-Stouffville | East Gwillimbury | Georgina

Durham Region

Pickering | Ajax | Whitby | Oshawa | Uxbridge | Scugog | Brock | Clarington

Halton Region

Oakville | Milton | Burlington | Georgetown | Halton Hills

Ottawa | Hamilton | London | Kitchener | Guelph | Waterloo | Cambridge | Kingston | Thunder Bay | Kanata | Brantford | Barrie | Sault Ste Marie | North Bay | Peterborough | Cornwall | Chatham | Chatham-Kent | Bowmanville | St. Thomas | Woodstock | Midland | Leamington | Stratford | Orangeville | Timmins | Orillia | Bradford West Gwillimbury | Keswick | Owen Sound | Valley East | Lindsay | Fergus | Cobourg | Collingwood | Pembroke | Petawawa | Port Hope | Alliston | Tillsonburg | Simcoe | Strathroy | Amherstburg | Ingersoll | New Hamburg | Paris | Kenora | Elliot Lake | Rockland | Wasaga Beach | Beamsville | Wallaceburg | Arnprior | Carleton Place | Caledonia | Haileybury | Elmira | Acton | Smiths Falls | Hawkesbury | Port Perry | Bracebridge | Renfrew | Fort Frances | Kapuskasing | Port Elgin | Goderich | Hanover | Crystal Beach | Kirkland Lake | Aylmer | Napanee | Huntsville | Porcupine | Essex | Lively | Listowel | Kincardine | Sturgeon Falls | St. Marys | Port Dover | Embrun | Dryden | Perth | Bolton | Bradford | Grimsby | Windsor | Sarnia | Belleville | Brockville | St. Catharines | Niagara Falls | Welland | Fort Erie | Port Colborne

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