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Get Out of Debt.
Get Back Into Life.

For more than 50 years, Credit Canada has been providing debt relief to people just like you. As a non-profit organization and Canada's first and longest-standing credit counselling agency, we've helped millions avoid bankruptcy, become debt-free and achieve financial wellness.

Complete the form to request a callback from one of our certified Credit Counsellors. You can also speak to someone right now by calling 1(800)267-2272.

Speak to a certified Credit Counsellor today

Why Choose Credit Canada

As a non-profit credit counselling agency, Credit Canada is your best first call when you need debt relief. Our team of certified Credit Counsellors works with Canadians every day to find the right solutions based on their individual situation. Our services include confidential and free one-on-one financial counselling, low-cost debt repayment assistance and interest relief, and financial wellness education. We are also a financial literacy leader, providing insight and thought leadership for the media, community, and government-supported initiatives.

A trusted source of financial advice: Credit Canada is accredited by Credit Counselling Canada, we have an A+ consumer rating with the Better Business Bureau, and our clients consistently give our team 5-star reviews on Google.

We've Helped


People Sleep Better at Night

We've Resolved


In Debt

We Have


Years of Service

As Seen On:

globe and mail-spaced

We Have the Experts

Our team of certified Credit Counsellors is committed to your financial success. Each counsellor brings a wealth of experience and is dedicated to delivering personalized strategies for effective debt relief, credit improvement, and overall financial well-being, providing you with hope and peace of mind. Plus, they’re all incredible humans.

Doris Asiedu
Josie D_Addario
Randolph Taylor
Craig Stewart
Jean Riddell
Sandy Daykin

“For over 50 years, Credit Canada has been working hard to help people get out of debt and back to what matters most to them in their lives.  We are a non-profit and have helped millions of Canadians through credit counselling, financial coaching and education.  Our impact is measured, not in dollars, but in the lives we've transformed, one person at a time."

Bruce Sellery, CEO of Credit Canada

Get Out of Debt.
Get Back Into Life.

How We Help You Become Debt-Free

Credit counselling is confidential, non-judgemental and free. Our certified Credit Counsellors will review your debt situation, discuss your options, and take the time to explain the pros and cons of each. If our Debt Consolidation Program can provide the debt relief you need, our Counsellors will explain how it works, the benefits, and how to get started.

Contact us

Our On-Demand Counselling team is available to speak with you by phone or live chat. No appointment is needed, so we can get you on your way to debt relief right away.
Get debt help now

Speak to a Credit Counsellor

Your Credit Counsellor will speak to you about your current financial situation. They will do a full assessment, including reviewing your current income, expenses, debts, and assets. Rest assured, they will take the time to answer your questions and ensure they have a complete understanding of your unique situation.

Review your options

Our Credit Counsellor will immediately help you start forming a plan that begins to address the problem and stop collection calls. You’ll walk away from the financial assessment feeling a sense of control and an understanding of the issue and how to fix it. You’ll even know how soon you could be debt-free.

If you’re not quite ready to speak to a Credit Counsellor, learn more about our services and what you can expect by selecting one of the options below.

Credit Counselling

Get direct access to a certified Credit Counsellor who can provide free debt counselling and personalized debt relief options.
Learn more

Debt Management

Explore the options available to help you reduce your debt problems.
Learn more

Debt Consolidation

Learn how you can reduce interest and consolidate your debt into one monthly payment.
Learn more

Money Management

Reach your money goals and plan for the future - we have the tools to help.
Learn more

Debt Assessment Quiz

Your financial situation may be unique, but by answering these four simple questions, we can determine which debt relief option might be right for you. Get started now!

Please fill out all questions before submitting...

Working a lot, a little—or not at all?
Select the answer you agree with most:

Which Is Greater?
Select the answer you agree with most (if you’re not sure, take your best guess):

Better Late Than Never
Select the answer you agree with most:

Time to Own Up
Considering homes, RRSPs, and other investments, select the answer you agree with most:

“I am a humbled & passionate accredited Financial Counsellor who’s had the honour of helping individuals see the light in the depths of financial darkness for over 20 years. Some people have jobs that they ‘have to do’ for a living. I ‘get to do’ this job. This is a privilege.”

Randolph Taylor - Certified Credit Counsellor

Get out of Debt.
Our Counsellors are here to help.

The Credit Canada difference


Some debt solution providers prioritize making a profit over what is best for the client. 


High or Hidden Fees

Fees can vary depending on the organization; debt consultants often include upfront fees, monthly fees, or a percentage of the debt settled.

Offer One Service

Many other debt solution providers are focused on delivering one service - debt consolidation or settlement. Additional support and services are not always available.


As a non-profit, everything we do is driven by our mission to help people get out of debt so they can get back into life.

Free or Low-Cost Services

Transparent, offering affordable or no-cost services. Fees are primarily for administration purposes. All of our credit counselling services are 100% free.

Comprehensive Services

We offer support throughout your journey which could credit counselling, budgeting support, financial coaching, debt management programs, referrals, and/or financial education.

What Should You Look for in Someone Providing Debt Advice?

Regardless of what kind of debt advice service you want to use, there are a few things you should look for in someone who provides that advice. We recommend looking into:

Industry accreditation

(For example, Credit Canada is an accredited member of Credit Counselling Canada)

Confirm whether they are non-profit or for-profit.

Read the advisor’s business and Google reviews.

Stay in the loop with Credit Canada

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Get out of debt. Get back into life.

To speak to someone right now, call: 1 (800) 267-2272

Or, request a callback from one of our certified credit counsellors. It's free.