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Debt Repayment & Bankruptcy Solutions - Credit Counselling for Canadians


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. Our appointments are free and confidential, because nothing should get in the way of getting help with your debts.

Depending on your situation, there are several options our Counsellors will discuss with you. Some of them include:

Debt Management Program - Consolidate Your Debt Payments & Make a Budget

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.

Debt Repayment Strategies

If you prefer 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.

Global News - Credit and debt solutions, repayment options, bankruptcy solutions, and credit counselling for Canadians
  Global News interviews Julia Fletcher
after she pays off $10,000 in debt
interest free due to help from the
Credit Counselling Society.

  CTV On Your Side - Alternative bankruptcy solutions for consumers with credit and debt problems. Credit counselling helped Dan completely repay his debt.
  CTV News shows how Dan Robinson
paid off $30,000 in debt with no
interest with the help of the Credit
Counselling Society. See

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

Debt Settlement Programs

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.

Bankruptcy Trustee Referral Program

Bankruptcy is a legal process for dealing with your debts. While no one really wants to go bankrupt, sometimes your situation gets to a point where you need to at least consider if bankruptcy is a good option for you or not. There are long term implications to declaring bankruptcy and it’s not the right option for everyone.

After looking at your financial situation, if bankruptcy is one of your options, your Counsellor will explain the process, your responsibilities and the consequences of declaring bankruptcy. That way you have the information you need to make an informed decision.