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Free Credit Counselling and Debt Consolidation in Oshawa

Oshawa has distinguished itself as one of the fastest-growing economies in Canada and consistently ranks among the top cities for jobs. Once known as the “Automotive Capital of Canada” today Oshawa is a leader in higher education and the health sciences industry, making it a great place to call home.

Of course, living anywhere in Canada can be expensive, especially if you’ve recently experienced a job loss and are struggling with debt. If you’re feeling overwhelmed by your financial situation, struggling with high interest rates, or finding it difficult to keep up with minimum payments, you may want to consider debt counselling in Oshawa with Credit Canada. We offer non-profit debt counselling, debt relief, and debt consolidation to all Oshawa residents.

Get Debt Help

Credit Canada Oshawa Office

285 Taunton Rd. E, Suite 4429

Oshawa, ON L1G 3V2



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

Friday: 8am - 5pm (ET)

Saturday: 8am - 4pm (ET)

Our Qualified Credit Counsellors in Oshawa Can:



Complete a full review of your financial situation, including a debt assessment which 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 relief solutions that are best suited for your unique situation without having to resort to bankruptcy in Oshawa including debt consolidation services.


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 such as a consumer proposal that puts you in control of your finances.


How Does a Debt Consolidation Program Work?

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

  • Wrap up all your unsecured debt into one lower monthly payment (including credit card debt, payday loans, unsecured lines of credit, outstanding bills, etc., as these debts 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 Oshawa Credit Counsellors

I am quite pleased with my interaction with Christopher. He was very professional and attentive to my questions and concerns about the program and always made sure I understood everything before moving forward. Most importantly, he listened to my story about how my credit got the way it was with "life happening" and offered a solution to my problems and reassured me he would be with me every step and pointed me in the right direction to rebuilding my credit and getting back on track. Thanks for the help and guidance!

- Mitchell Anchikoski

Christopher NortheyCredit CounsellorLearn More →

Sandra Sherk was well qualified, caring, understanding and very helpful. She helped me in my time of need and went above and beyond what she was required to do. She was able to help me where 2 other agencies were not. She made a major difference, a positive difference in my life. Frankly, she is in my heart as a friend.

- Kae Gab

Sandra SherkCredit CounsellorLearn More →

I have had a wonderful experience with Credit Canada Debt Solutions. My credit counselor, Sandra, has been extremely helpful and attentive to all my account inquiries. It is important that people such as myself who live on the edge of poverty are not be made to feel bad when looking for debt help. CCDS and Sandra treated me with respect. I highly recommend Credit Canada Debt Solutions.

- Rolling Along

Sandra SherkCredit CounsellorLearn More →

Over the past 2 years, Chris Northey has provided me with outstanding customer service. I recommend Credit Canada Debt Solutions for all of your financial needs.

- Helene Scime

Christopher NortheyCredit CounsellorLearn More →


Ready to Get Started?

If you live in Oshawa and your goal is to become debt-free, contact us today by calling (905) 231-1252 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 life in Oshawa 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! Consider public transportation or ride-sharing options in and around Oshawa to save a bundle on gas, car payments, and auto insurance.

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

  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 Oshawa

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 Oshawa. 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 5 out of 5, with 21 reviews about our Oshawa 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 been in the business of helping Canadians for over 50 years, and our certified Credit Counsellors have years of experience. Our Oshawa 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 Oshawa, give us a call at (905) 231-1252 or fill out the form on this page. Our free debt assessment and money management advice is confidential, and non-judgmental, and there's no obligation.