Credit Canada

A not for profit charity since 1966

How we help.

Manage your debt and start enjoying life again.

Manage your debt. Improve your credit. Enjoy more peace of mind. You can do it with Credit Canada. Through our professional counselling services, you can put your finances and bills in order - and rid yourself of worry. In fact, no matter what kind of debt problems you face, we can help.

Think of us as your own personal financial guide, without all the fees attached. As a registered Canadian charity, we provide free and economical financial counselling to all customers because most of our expenses are paid by banks, finance companies and the like.

It means we can help you start solving your debt problems right now through a free credit counselling session that's only a phone call or an email away.

Discover how Credit Canada can help you reduce or even eliminate debt.

We welcome anyone who needs advice about how to handle money and reduce or eliminate debt. Our clients come from all walks of life.

You are eligible regardless of age, sex, race, creed or income level. And everything we do is kept in complete confidence. Once we understand your situation, we will help you develop a low cost debt management plan that is expressly suited to your finances, needs, hopes and dreams. (Depending on your specific circumstances, you will be asked to make a small contribution towards on-going counselling services).

Take action to simplify your finances and assume control.

We can arrange a debt retirement program for you, and relieve you of all the number crunching by handling your payments over time. We'll often suggest ways that can affect savings. You may be surprised at how easy it is to regain control of your finances and monthly bills. It's as simple as calling us today for a free initial appointment.

Devote more energy to what matters in life as we create a monthly plan for you.

We may suggest that you enter a formal debt management program to help pay your bills with less stress to you over time. We develop a new budget with you and ask your creditors to reduce your monthly payments to match the budget. We ask creditors to end your obligation to pay future interest and most do.

A simple payment process, with a positive note on your credit rating.

Our debt payment programs are simple. First, we set a monthly amount agreed upon to pay your bills. Then, you transfer funds by telephone banking or debit card - or you can merely send us a money order. The money is placed in a trust account and payments are sent to your creditors once a month. In terms of how all this may affect your credit rating, it's most often favourable. A report that you are making an honest and sincere effort to resolve your debt problem is a positive note in your credit file.

Count on the fact that your money is fully protected and insured.

Credit Canada has been serving Canadians since 1966. Your money is protected and fully insured while it is in our trust. We are registered and licensed by the Province of Ontario and we are an accredited charter member of the Ontario Association of Credit Counselling Services (OACCS) and Credit Counselling Canada (CCC).

Credit Canada, the operating name for Credit Counselling Service of Toronto, is a not-for-profit charitable service that has assisted thousands of people with credit counselling and debt management programs since 1966. Our agency is a Charter Member of Credit Counselling Canada, the Ontario Association of Credit Counselling Services and affiliated with the National Foundation for Consumer Credit (NFCC).