When all you see is debt, we’re here to help.

For more than 50 years, Credit Canada has provided 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.

We can help you see life more clearly. Complete the form to request a call from one of our certified Credit Counsellors or speak to one now by calling 1(800)267-2272.

Speak to a certified Credit Counsellor today

Why Choose Credit Canada?

We’re here to help you live life, debt-free. As the country’s longest standing non-profit credit counselling agency, we’ve helped millions of Canadians in the past 50 years find the right solutions based on their individual situations.

Our services include confidential and free one-on-one financial counselling with certified Credit Counsellors, low-cost debt repayment assistance and interest relief, and financial wellness education.

As a trusted source of financial advice, Credit Canada is accredited by Credit Counselling Canada with an A+ consumer rating with the Better Business Bureau, and our clients consistently provide 5-star reviews on Google and Trustpilot.

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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 relief 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

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.

Meet Our Counsellors

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

What Our Clients Say
About Our Counsellors

I had tried another place before coming here and the difference in time and knowledge was like night and day. Cathy was so insightful and didn't rush me out the door, or make me feel like any question I had was dumb. She really helped direct me on the road of debt recovery and I felt empowered leaving her office. Thank you.

- Melissa DiCicco

Cathy Plowman Credit Counsellor Learn More →

If you're experiencing issues with your debt, this is the place you need to contact. I have nothing but great things to say about Credit Canada and specifically my Credit Counsellor, Jean Riddell. She went above and beyond helping me get my situation corrected. Thanks again Jean!

- James Steel

Jean Riddell Credit Counsellor Learn More →

We spoke with Becky about our situation and she gave us many great options to explore without being judgmental or making us feel embarrassed or ashamed. This is definitely a good place to start if you need help. Don't be afraid to pick up the phone and give them a call to get back on the right financial track. We no longer have sleepless nights worrying. Thanks Becky for being such a genuine caring person, it’s very rare nowadays.

- UnicornProductionsBK

Becky Western-Macfadyen Credit Counsellor Learn More →

I would like to thank the staff at Credit Canada, especially Randolph for his patience, professionalism and for making the experience a lot less intimidating than I thought it would be. I would definitely recommend Credit Canada to anyone who has gotten themselves into an awkward financial situation and needs to know how to deal with it. Look no further.

- Gail Anne GR

Randolph Taylor Credit Counsellor Learn More →

Today I had my assessment with Randolph and he is going to be able to help me have a brighter financial future. Having someone like Randolph who took his time to explain everything and make sure I was able to understand it was just amazing. I would like to thank you and your team for helping me take the first step.

- Darlene Salmon

Randolph Taylor Credit Counsellor Learn More →

Sandy is absolutely incredible. I had the pleasure of working on a Debt Management Program with her 2.5 years ago. She taught me financial skills, budgeting, learning to work with my money, and motivated me to reach my goal. I paid off $10,000 in debt in 9 months. Today, after my 2-year mark, she wrapped up my account and helped me with credit building options for the future. So relieved, grateful and happy I had the opportunity to work with Sandy and Credit Canada.

- Kaitlyn Ouimette

Sandy Daykin Credit Counsellor Learn More →

Get Out of Debt.
Get Back Into Life.

Take Control of Your Debt Today

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:

I have a steady source of income and expect to keep it. My income is irregular (freelance, side gigs) or I’m not currently working.

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

My income is greater than my expenses. My expenses are greater than my income.

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

I’m current and up to date on all my payments to all my creditors! I’ve been late making payments and I keep my phone on silent to avoid collection calls.

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

I own one or more of these items. Nothing is tying me down—I don’t own any of those!

Our recommendation: Manage On Your Own

You may be in better shape than you think! You’re earning money, you’re keeping up with your payments, and it sounds like you have enough income to cover your monthly expenses. You might be able to pay off your debt in full simply through better money management.

However, if you are feeling overwhelmed by the number of debts you have, or like you’re not getting ahead and just spinning your wheels, we can help you adjust your budget so you can start chipping away at your debt, once and for all, and finally start putting money towards things that really matter to you. If your credit rating is good, you may be eligible for other debt resolution options, like a debt consolidation loan. We’ll be able to tell you all your options, and the pros and cons of each option, all for free!

If you’d like to speak with an expert about your financial situation, give us a call at 1.800.267.2272.

Retake the Quiz →

Our recommendation: Debt Consolidation Loan

Congratulations on keeping up with your debt payments! This tells us that you may have a decent credit rating and score and could be eligible for a debt consolidation loan.

You can try to obtain a loan through a bank or credit union, which will run a credit check and request proof of income. If you’re approved, you can use the loan to pay off all your debts, so then you only have to worry that you only need to pay on the one, new loan. Just be sure the interest rate on the loan is lower than the rates on your individual debts. Also, be sure to cut up those credit cards so you’re not tempted to use them in addition to having to pay on the new loan.

If your loan application is denied, or you’ve been turned down for a loan in the past, you can speak with a Credit Counsellor about other debt relief options you may be eligible for. Give us a call at 1.800.267.2272.

Retake the Quiz →

Our recommendation: Debt Consolidation Program or Consumer Proposal

You may be struggling financially now, but it doesn’t have to be that way! We think you’re an eligible candidate for a debt consolidation program (DCP) or a consumer proposal.

Because you’ve missed or had late payments, your credit score has probably taken a big hit, making it nearly impossible to get a debt consolidation loan. However, credit score doesn’t factor into qualifying criteria for a Credit Canada DCP. Our certified credit counsellors will work with your creditors to reduce or eliminate the interest rates on all of your unsecured debt, rolling them into one affordable monthly payment with a set completion date.

If a program doesn’t sound right for you, a consumer proposal in which you pay just a percentage of what you owe your creditors may be an option. Consumer proposals help you avoid the stigma of bankruptcy, and also allow you to retain your assets. Just be sure you expect to maintain your employment, as defaulting on a consumer proposal can put you in an even worse position.

Want to learn more about a DCP or consumer proposal, or just looking for some free financial advice? Give us a call at 1-800-267-2272.

Retake the Quiz →

Our recommendation:Speak to a Credit Counsellor

Sometimes our debt can be just too much of an uphill battle.

Based on your financial situation, filing for bankruptcy may be your best option. This is not a decision that should be taken lightly or one that should be decided based solely on this brief assessment.

We recommend you speak with a credit counsellor to discuss your situation in more detail. The call is free and completely confidential. Reach us at 1-800-267-2272.

Retake the Quiz →

“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.

Get debt relief now

The Credit Canada Difference

Profit-Driven

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.

Impact-Driven

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

Don't miss out on the latest updates, exclusive content, tips, tricks and expert advice! Subscribe to our newsletter and stay in the loop with everything happening in our world.

Sign up for our newsletter

Butterfly: The Budgeting App for Newcomers to Canada

Budgeting doesn’t have to be overwhelming.

Butterfly helps you create a realistic budget tailored to life in Canada. Designed specifically for newcomers by newcomers, Butterfly guides you through setting up a budget that considers local expenses, unfamiliar currency, and higher living costs. And, it’s free!

With simple, step-by-step instructions and personalized insights, you’ll feel more confident managing your money in a new country.

Sign Up for Butterfly

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Frequently Asked Questions

Have a question? We are here to help.

What is a Debt Consolidation Program?

A Debt Consolidation Program (DCP) is an arrangement made between your creditors and a non-profit credit counselling agency. Working with a reputable, non-profit credit counselling agency means a certified Credit Counsellor will negotiate with your creditors on your behalf to drop the interest on your unsecured debts, while also rounding up all your unsecured debts into a single, lower monthly payment. In Canada’s provinces, such as Ontario, these debt payment programs lead to faster debt relief!

Can I enter a Debt Consolidation Program with bad credit?

Yes, you can sign up for a DCP even if you have bad credit. Your credit score will not impact your ability to get debt help through a DCP. Bad credit can, however, impact your ability to get a debt consolidation loan.

Do I have to give up my credit cards in a Debt Consolidation Program?

If you enter a DCP in Canada, you will have to refrain from using credit, which includes unsecured credit cards; however, you can still use a secured credit card. Once you've successfully completed the program, you may be eligible for an unsecured credit card.

Will Debt Consolidation hurt my credit score?

Most people entering a DCP already have a low credit score. While a DCP could lower your credit score at first, in the long run, if you keep up with the program and make your monthly payments on time as agreed, your credit score will eventually improve.

Can you get out of a Debt Consolidation Program?

Anyone who signs up for a DCP must sign an agreement; however, it's completely voluntary and any time a client wants to leave the Program they can. Once a client has left the Program, they will have to deal with their creditors and collectors directly, and if their Counsellor negotiated interest relief and lower monthly payments, in most cases, these would no longer be an option for the client.

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.