Free Debt Relief Help and Credit Counselling in Downtown Toronto

Toronto living offers many benefits, from entertainment and attractions to restaurants and shopping. Of course, all of this costs money, and in fact, Toronto has been named Canada’s second most expensive city to live in. Of course, living anywhere in Canada can be expensive, especially when you’re struggling with debt. If the expense of Toronto living has you feeling overwhelmed by your financial situation, and money troubles are keeping you up at night, you may want to consider debt counselling with Credit Canada. We offer non-profit debt counselling, debt relief, and debt consolidation help either by phone or at our downtown Toronto office at Yonge and Carlton. 

Get Debt Help

2 Carlton St., Suite 719

Toronto, ON M5B 1J3


Mon-Thur: 8am - 6pm (ET)

Friday: 8am - 5pm (ET)

Saturday: 8am - 4pm (ET)

Our Qualified Toronto Credit Counsellors Can:



Complete a full review of your financial situation, including a debt assessment that looks at your monthly income, expenses, and debts—and discover ways to save.


Help you develop a money management plan and budget to get your finances back on track.


Explore various debt management solutions that are best suited for your unique situation without having to resort to bankruptcy in Toronto.


Explain how we can stop collection agency calls, stop the interest on your debt, and lower monthly payments.


Teach you how to build your credit, improve your credit score, manage a budget, and increase savings—all so you can live debt-free.


If applicable, enroll you in a Debt Consolidation Program to address your debts, or find another solution that puts you in control of your finances.


Wondering How a Debt Consolidation Program Works?

Unlike Toronto debt consolidation loans, you’re not borrowing more money. Instead, a Toronto debt consolidation program is an arrangement between you, your creditors, and Credit Canada that provides debt relief. Here’s what the program can do for you.

  • Wrap up all your unsecured debt (credit cards, payday loans, unsecured lines of credit, outstanding bills, etc.) into one lower monthly payment. These debts are considered unsecured because they don’t have collateral attached to them, like a home or car.
  • Reduce or stop the monthly interest on your debt
  • Negotiate a lower monthly payment that you can afford
  • Set a completion date, so you can see the light at the end of the tunnel (sometimes in as little as two years)
  • Stop annoying collection calls

Hear what our clients have to say about our Toronto Credit Counsellors

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 →

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 →

To be honest I had never looked into what my options were. I felt very comfortable with Kerri from the beginning. She was friendly and non-judgemental and she explained all the options available to me.If all goes well, I will put my limited finances in order and finally get some peace of mind! Thank you!

- John Kodothodoros

Kerri BarrecaCredit 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 →


Ready to Get Started?

If you live in downtown Toronto and your goal is to become debt-free, contact us today by calling (416) 637-8368 or complete the form on this page. All of our debt counselling is 100% free, confidential, and non-judgmental, and there's no obligation. 

Start Living Debt Free

Money-Saving Tips

We understand living downtown can be quite expensive, so here are a few tips on how to save, whether it’s creating a monthly budget, tracking your spending, or both! 

  1. Understand how to create and keep a budget.

  2. Track your spending for better money management and to determine where you can make cuts. 

  3. Forgo the car! Toronto has an excellent public transportation system and using it can save you a bundle.

  4. Some things in life do come free! There are tons of free events happening every day in Toronto.

  5. Check out and subscribe to our blog for instant updates on money-saving tips and get-out-of-debt advice.

Working With a Reputable Credit Counselling Agency in Toronto

We know when it comes to choosing a Canada debt solutions company, you have many options. However, it’s important that you don’t pick the first company you come to (or that comes to you) out of desperation. There are many crooked companies out there willing to take advantage of your situation, making your financial situation even worse. 

Working with Credit Canada, you can be confident that you’re in good hands knowing we will offer you the best debt consolidation solutions in Toronto. What makes us different?

Our Fees are Reasonable

For-profit credit counselling agencies charge just for a counselling session, and then charge high monthly fees when you enter a program. Not at Credit Canada. Our debt counselling is free, and if you sign up for a Debt Consolidation Program you’ll pay just a small set-up fee of $50 and a minimal management fee of 10% that’s included in your monthly payment. 

We are an Accredited Organization

Credit Canada has accreditation from both Credit Counselling Canada (CCC) and the Association for Financial Counselling & Planning Education (AFCPE).

We are a Non-Profit Organization

As a non-profit organization, Credit Canada will never take advantage of you. In fact, we are constantly lobbying against scams and companies making unrealistic promises. As stated on the Government of Canada’s website, a non-profit “is a club, society, or association that's organized and operated solely for social welfare, civic improvement, pleasure or recreation, or any other purpose except profit.”

Some shady companies have been known to change their names frequently so people aren’t able to find dirt on them online or through reviews. Credit Canada has been around for over 50 years, and you’re also welcome to check out our Google Reviews, where we’re proud to say we’ve received an impressive 4.9 out of 5, with 84 reviews about our Toronto credit counselling. In addition, we’re often a featured expert in the press, such as the Financial Post, The Globe and Mail, the Toronto Star, and more.

Make the Call That Could Change Your Life!

Today, more than half of all Canadians say they’re concerned about their debt, and nearly 50% don’t believe they’ll be able to cover their expenses over the next few months without increasing their debt. If this sounds like you, let’s talk. We’ve helped millions of Canadians find debt relief, and our certified Credit Counsellors have years of individual experience. Our Toronto credit counsellors will never judge your situation, and never pressure you to enter a program you’re not interested in. Of course, you don’t have to just take our word for it. Our clients have plenty of great things to say, too! 

If you want debt relief without declaring bankruptcy in Toronto, give us a call at (416) 637-8368 or fill out the form on this page. Our free debt assessment and money management advice is confidential, non-judgmental, and there's no obligation.