North York Credit Counselling and Debt Consolidation

Free, Non-Profit Credit Counselling in North York

If you’re struggling with debt in North York, you’re not alone. Credit Canada offers free, confidential credit counselling to help you understand your options, reduce financial stress, and take control of your money.

As Canada’s longest-standing non-profit credit counselling agency (helping Canadians since 1966), we support individuals and families across North York with practical, judgment-free guidance. Whether you’d rather meet in-person, speak over the phone, or connect online, help is available in a way that works for you.
Get Debt Relief Now
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Free and confidential support with no pressure to enroll in a program.

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Solutions tailored to you, including budgeting support, Debt Consolidation Programs, and more.

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Dedicated resources for newcomers to Canada.

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Book in-person appointments or give us a call. Get started by speaking with a certified Credit Counsellor.

Why Choose Credit Canada in North York

With over 60 years of experience, Credit Canada has a long history of supporting Canadians. More than 2 million people have turned to us for guidance, resulting in over $500 million in debt resolved and a fresh start for families across the country. Our certified Credit Counsellors bring an average of 15+ years of hands-on experience to every conversation, providing confidential and personalized plans with no obligation to enroll.

To better serve North York’s diverse communities, we are proud to offer this expert support in multiple languages.

Recognized and Accredited Across Canada

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Credit Counselling Canada (CCC) Member

As an accredited member, we meet or exceed national standards for non-profit credit counselling and service delivery, giving you peace of mind that your support is confidential, reliable, and safe.

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CFC™ Designation, Awarded by the Canadian Association for Financial Empowerment (CAFE)

Our Credit Counsellors hold the Certified Financial Counsellor (CFC™) designation.

 

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Better Business Bureau (BBB) A+ Rating

We are proud to maintain an A+ rating, reflecting our dedication to transparency, trust, and exceptional service for Canadians seeking debt relief.

Get Credit Counselling in North York

Credit Canada supports individuals and families across North York, including Willowdale, Don Mills, Downsview, Bayview Village, Lansing, and surrounding communities.

Visit our North York office on Sheppard Avenue East (minutes from Sheppard-Yonge) by appointment, or call us directly. You can also chat anytime with Mariposa, our AI-powered debt management agent, available 24/7 at creditcanada.com/mariposa. 

Support for Newcomers to North York

North York is one of the most diverse communities in Canada. If you’re new to the country or still building your credit history, Credit Canada offers programs designed specifically for you:

How Credit Counselling Helps You Get Out of Debt

Our free credit counselling gives you a clear, structured path to regain control of your finances. When you speak with a certified, non-profit Credit Counsellor, you’ll receive:

  • A full review of your income, expenses, and debts.
  • A personalized plan to help you manage and reduce your debt.
  • Guidance on budgeting, saving, and improving your financial habits.
  • Support in exploring options like a Debt Consolidation Program, which combines unsecured debts into one monthly payment with reduced or stopped interest.

Is This Right for You?

Credit counselling may be a good fit if:

  • You’re making minimum payments, but the balances aren’t going down.
  • You’re receiving collection calls or threats from creditors.
  • You’re relying on credit cards or payday loans to cover everyday expenses.
  • Debt stress is affecting your sleep, relationships, and/or peace of mind.

Debt Relief Options Available in North York

There are several ways to address debt, depending on your situation. A Credit Counsellor can help you understand which option fits your needs.

Credit Counselling

Get personalized advice, budgeting support, and a clear plan to manage your finances and reduce debt.

Debt Consolidation Program

Combine your unsecured debts into one manageable monthly payment, often with reduced or stopped interest negotiated with your creditors.

Financial Coaching

(Credit Canada GOLD)

Our structured six-week coaching built on behavioural science and peer support, designed to help you build lasting financial habits alongside debt relief. 

Consumer Proposal

A legal process administered by a Licensed Insolvency Trustee (LIT) that allows you to settle your debts for less than you owe. Credit Canada can help you understand whether this option is right for you and refer you to a trusted LIT professional.

Bankruptcy

A formal legal process that eliminates most debts. If appropriate, a Credit Counsellor can guide you through what bankruptcy means and connect you with an LIT.

How to Choose a Credit Counsellor in North York

Choosing the right credit counselling organization is an important step. Here’s what to look for:

  • A non-profit organization focused on helping you, not selling products.
  • Accreditation, such as CCC membership, certified Credit Counsellors with recognized Canadian designations, like CFCTM, as well as transparent fees, and no high-pressure sales tactics.
  • A strong reputation backed by verifiable reviews and decades of experience.

What Clients Say About Credit Canada

I had a pleasure of talking to counsellor Mr John Tweddle. He was very pleasant and gave me good advises. Made it easy for me to understand where I stand. He also helped me in searching for the company who will help me with my queries. I am very happy with him. May he prosper in his job and life. Thank you Mr Tweddle for your help.

— Nusrat

I had an excellent experience with Credit Canada today, especially because of the incredible help I received from Saj. He was extremely kind, patient, professional, and genuinely caring throughout the entire process.

I’m very grateful for his support, kindness, and professionalism. Saj is a wonderful representative and a great person, and Credit Canada is very lucky to have someone like him on their team. I highly recommend Credit Canada to anyone who needs financial guidance and support.

— Poone

Randolph was great in assisting me with what I needed. Not only did he provide clear and helpful information, but also took his time to listen to my needs and situation and was able to quickly find options with solutions. Not only does his experience show, but also his genuine care to help others in stressful situations. My experience with him put me at ease and it was nice to speak with someone who cares..a breath of fresh air finally!

— Fernando

The counsellor I spoke with was phenomenal. She was so friendly, understanding, and easy to talk to. She helped me consolidate my debt with horrendous interest rates. It happened within a 30 minute phone call. It lowered my monthly payments, and also significantly reduced/erased my interest rates on my credit cards and loans. I feel... a sense of hope with my future financial stability. I could not recommend this organization more - if you're struggling with high interest rates, high monthly payments and so on, do not hesitate to give them a call.

— Amanda

Cathy was extremely helpful throughout the entire process. She took the time to explain everything clearly and answered every question I had. She made sure I fully understood the program and never made me feel rushed. I truly appreciated her patience, professionalism, and support.

— Nadia

I had a wonderful experience speaking with Kowthar Ismail. She was incredibly kind, patient, and helpful throughout our conversation. What I appreciated most was that I never felt pressured to sign up for anything or purchase a service. Instead, it felt like I was talking to someone who genuinely cared about helping me understand my situation and explore my options.

Kowthar took the time to listen, answered all of my questions, and made me feel supported during what has been a stressful time.

— Pafridel

Speak With a Credit Counsellor in North York

If you’re ready to take the next step, help is available. Our team is here to listen:  no judgment, no pressure, no obligation.

Visit our North York office, or connect with a certified Credit Counsellor by phone or online. All counselling is free, confidential, and focused on helping you find the best path forward.

  • Address (in-person visits by appointment only):
    • 90 Sheppard Ave E, Suite 304
      Toronto, ON M2N 3A1
      (minutes from Sheppard-Yonge subway station)
  • Phone:
    • (416) 228-3328
  • Hours:
    • Monday–Thursday: 8 am – 6 pm (ET)
    • Friday: 8 am – 5 pm (ET)
    • Saturday: 8 am – 4 pm (ET)
  • Prefer to chat with personalized AI support, available 24/7? Ask Mariposa.

Frequently Asked Questions

Have questions? We are here to help.

Is credit counselling free in Canada?

Will credit counselling affect my credit score?

Is a debt consolidation program the same as a loan?

Is there a Credit Canada office in North York?

Do I need to visit in person, or can I get help remotely?

Get Out of Debt. Get Back Into Life.
Speak to a Certified Credit Counsellor