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It’s now even easier to get all of your questions answered by a certified non-profit credit counsellor.

To get started, simply start chatting in the chat box on the bottom right corner of this page.

Live Chat credit counselling

We understand that when it comes to talking about debt, it can be easier to get it down in writing. Sometimes the idea of picking up the phone is overwhelming. That’s why you can now speak to one of our non-profit credit counsellors through live chat.

As a non-profit organization and Canada's first and longest-standing credit counselling agency, we've helped thousands avoid bankruptcy, become debt-free and achieve financial wellness.

Chat anywhere

Whether you’re on the bus, at work, or making dinner, you will get the same confidential, expert advice from a certificated credit counsellor. Our credit counselling services are always confidential, non-judgmental, and 100% free.

The best part? Following the chat, you'll receive a detailed email transcript so there’s no need to take notes. If time runs short, no problem. Life happens. Feel free to return whenever it suits you; we'll be here, ready to pick up where we left off.

It’s accessible

For those facing speech or hearing challenges, our chat service offers a seamless, accessible counseling option, eliminating the need for spoken words.

How does Live Chat counselling work?

  1. Live Chat counselling is available Monday - Friday. Simply click on the chat box. 
  2. After entering your name and email address, you will be connected to one of our counsellors. 
  3. After you chat, we will email you a transcript of your conversation. 

Frequently Asked Questions

What should I know about Live Chat Credit Counselling?

Credit Canada Live Chat counselling is confidential and free. You’ll experience the same expert advice without having to call or book an appointment. You can find more information about our Privacy Policy here

When is the Live Chat Counselling available?

We operate our live chat counselling service Monday - Friday. Holidays are excluded. 

What if I prefer to talk to someone on the phone?

No problem, we also have credit counsellors available on our phone line. Simply call us at 1.800.267.2272.

Our call centre hours are:
Monday - Thursday: 8am - 6pm (ET)
Friday: 8am - 5pm (ET)
Saturday: 8am - 4pm (ET).

What happens if I am disconnected?

No worries, come back when you can, and we can pick up the conversation from where we left off.

What happens if I run out of time and cannot continue my session?

You can return when you are able, or if you like, the counsellor you are speaking with can set up a time for a phone call or a future chat.

Can I switch to a phone call if I like?

Yes, if you would like to switch to a phone call, just let the counsellor you are chatting with know. They can call you immediately or at a time that works best for you. 

Can I sign up on a Debt Consolidation Program through chat?

Yes, if you decide that you would like to sign up on a Debt Consolidation Program or if you would like a referral to a Licenced Insolvency Trustee, this can all be handled through chat. 

Very pleased with my service so far! Cathy was very understanding that people get into sticky situations and I felt no judgement at all. I was referred to Credit Canada by a friend of the family and their services are holding true with me. Thank you!

- Dayna Lewis

Cathy PlowmanCredit CounsellorLearn 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 TaylorCredit CounsellorLearn More →

Very helpful. Randolph was great to work with. His professionalism, kindness and dedication was beyond what I could ask for.

- Kim Otaguro

Randolph TaylorCredit CounsellorLearn 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 RiddellCredit CounsellorLearn More →

Josie made the experience so pleasant, so clear, so much knowledge. It has been overwhelming. Thank you Josie for your expertise, I am at peace.

- Carla Barata

Josie D’AddarioCredit CounsellorLearn More →

I was nervous and a bit scared but Jean was so amazing. She knew exactly what I was going through! I can’t thank her enough!!!

- Captain Roblox

Jean RiddellCredit CounsellorLearn More →

Credit Canada Debt Solutions was a blessing to me and my family in our time of need. Talking with Doris really enlightened me to better options than bankruptcy. After my appointment, it felt like a great weight was lifted off my chest. I would suggest this to anyone who's in the same situation.

- Kris Jayasingha

Doris AsieduCredit CounsellorLearn More →

I cannot express enough how grateful I am to have been supported by Craig Stewart at Credit Canada. From the very first conversation, his patience and kindness shone through. I asked hundred of questions, sometimes more than once and sometimes repeating myself and yet Craig never once grew impatient or changed his tone. His calm and compassionate approach made me feel heard and valued, even during my most anxious moments.

Craig is truly a rare genius in the financial world. He not only provided expert advice but also gave me confidence and peace of mind when I needed it most. His knowledge, patience, and kindness truly set him apart. Thank you, Craig, for your unwavering support and for starting to make a real difference in my life. As Tina Turner famously said, “You’re simply the best,” and Craig truly lives up to that. 

- Maria De Los Santos

Craig StewartCredit CounsellorLearn 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 TaylorCredit CounsellorLearn More →

My visit with Cathy at Credit Canada was extremely helpful. Cathy was very friendly and empathetic of my situation and offered the best solutions for me. I would definitely recommend going there if you are feeling anxious about your current debt.

- Bianca Marini

Cathy PlowmanCredit CounsellorLearn More →

Jean in Barrie is wonderful to work with. She made things clear and as painless as they could be. She encouraged us along the way, went to bat for us when things were complicated, and we are happy and proud to have sorted out our finances while establishing better habits during the repayment process.

- Susan Kendal

Jean RiddellCredit CounsellorLearn More →

Kaela is the best counsellor, one of a kind of a human being and deserves a raise for being so spectacular. I hope her employer sees this because never in my life I've come across someone so helpful, knowledgeable, patient, understanding and non judgemental. I can't thank Credit Canada and Kaela enough for all the hard work, helping me navigate through this stage in life and the whole process. A lot of us in the world may reach a stage in life where we never imagined we'd ever be in; just know that there is help out there and there are good people in this world. Credit Canada is helping me through this difficult time, to stay alive, to start over fresh again when I've hit rock bottom. Kaela is the kind of soul who doesn't just do her job, she goes above and beyond and deserves a lot of praise. I'm just out of words to say. I now have some motivation to live on and continue with my life and the fight is not over yet. Thank you once again from the bottom of my heart...

- Samantha S. Heng

Kaela BaldCredit CounsellorLearn More →

Anna was professional and very helpful. She gave me a optimistic view on a very stressful situation and put together a plan that I can succeed at! Thank you Anna!

- Vinnie C

Anna GuglielmiCredit CounsellorLearn More →

Doris was not only wonderful to meet with but she also provided me with multiple options that I could choose to take in order to achieve my goal of a debt free life. I thought claiming bankruptcy would be my only option, however that all changed when I was provided with much needed information. Doris and I looked at my finances and budget and devised a repayment plan that would work. I left her office with a feeling of relief to the non stop phone calls and happy. I am excited to work with her toward my debt free life. I would like to thank her and I recommend Credit Canada Debt Solutions to anyone experiencing the same scenario as I. They helped me see there was light at the end of the tunnel.

- Ana

Doris AsieduCredit CounsellorLearn More →

From the very first phone call, he demonstrated an incredible depth of knowledge and a genuine passion for helping people regain control of their finances. Despite not meeting in person, he took the time to truly understand our unique situation, patiently explained all our options, and guided us step-by-step through the process, ensuring we felt confident and informed every step of the way. What stood out most was his compassion and non-judgmental approach, which made us feel supported and reassured during such a stressful time. Craig went above and beyond, always making himself available to answer our questions and address any concerns promptly and thoroughly. Thanks to his expertise and dedication, we are now on a clear path toward financial stability and can finally see a brighter future ahead. We cannot thank Craig enough for his help and highly recommend his services to anyone seeking trustworthy and effective debt resolution support.

- Paul Steff

Craig StewartCredit CounsellorLearn More →

If I could give 12 stars I would. From the help desk to meeting Doris my credit counsellor, it was a great experience!! She was very courteous, took time to explain everything to me, made sure I understood easily. She made me feel comfortable through the entire process. She made me feel that she was there to help me and that I matter. Thank you Doris and Credit Canada.

- Marverley Powell

Doris AsieduCredit CounsellorLearn More →

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 PlowmanCredit CounsellorLearn More →

My Credit Counsellor Jean was very patient and thorough while she took me through what was needed to determine my situation. I have a better understanding of where I stand and what my next steps are to eliminate my debt. I highly recommend Credit Canada Debt Solutions.

- Meaghan Ogilvie

Jean RiddellCredit CounsellorLearn More →