Available Options and Solutions
Many people face financial problems at some time or other - so you're not alone. The important thing to remember is that credit counselling is available in Canada and working with a qualified credit counselor will make all the difference you're hoping for!
Each month, Credit Counselling Canada counsellors help tens of thousands of Canadians who are faced with the same challenges you face now.
You Have Options
Financial Counseling: Everything we learn in a counseling session is kept strictly confidential and no information is given to anyone without your written permission. Our counsellors are trained to review your situation, explore options, and help you work towards solutions - in person or over the telephone. Learn about the pros and cons of debt consolidation loans, settlement proposals, consumer proposals or bankruptcy and their effects from someone who has your best interests as their priority.
Money Management Plans: One of the first benefits you will enjoy when working with a credit counselor is the chance to develop a personal and household budget that works for you and your family. This process takes time and effort, but a comprehensive and realistic spending plan will help you reach your financial goals.
Tips for Money Management: Credit Counselling Canada members know that education offers the key to financial independence. We are committed to teaching clients new skills in planning and budgeting, better spending habits and strategies, and the informed use of credit. Imagine a life where you're in control of your finances. We help make that possible.
Working Things Out On Your Own: Often our counselors can identify a simple approach that you might have missed, or a solution you can act on yourself to escape the stress you feel now. If the answer is there, we will find it!
Debt Repayment Programs: Creditors want to resolve situations as much as you do, and they will be more receptive than you think to give you the time you need to pay your debts - provided a proper plan is put in place. A CCC credit counselor can help you establish a monthly repayment plan that you can afford.
Referrals: You may require additional services that are not available at our offices. We can make suggestions for other qualified community services and professionals. Because we are located in communities in every province, we can point you in the most appropriate direction for other services.
Who Pays For Our Services? All Credit Counselling Canada member agency services are offered either at no cost, or low cost - and no one is denied service based on their inability to pay. This is made possible in large part by the generous donations by members of the financial community who understand the value our quality services bring to consumers.
How Are Services Delivered? Credit Counselling Canada member agencies provide services in ways that best meet the needs of the local markets they serve - using a combination of in-person and telephone appointments. Experienced credit counselors are within your reach throughout Canada. If you need us, use the tool below to contact a local counselor!