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Free Credit Counselling and Debt Consolidation in Ottawa

As Canada’s capital, Ottawa stands out as one of the country’s most beautiful and unique cities. Equal parts cosmopolitan and old-fashioned, the city is known for its distinctive neighbourhoods, thrilling festivals, and world-class museums. Of course, living anywhere in Canada can be expensive, especially when you’re struggling with debt problems. 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 Ottawa with Credit Canada. We offer non-profit debt counselling, debt relief, and debt consolidation to all Ottawa residents.

Get Debt Help

Credit Canada Ottawa Office

116 Albert St., Suite 300

Ottawa, ON K1P 5G3



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

Friday: 8am - 5pm (ET)

Saturday: 8am - 4pm (ET)

Our Qualified Credit Counsellors in Ottawa 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 management solutions that are best suited for your unique situation without having to resort to bankruptcy in Ottawa.


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.

Happy Young Professional Couple Shaking Hands with a Real Estate Agent After Some Business Discussions Inside the Office.

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 program can do for you.

  • Wrap up all your unsecured debts 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 Ottawa Credit Counsellors

So far, great experience. I feel significantly more informed about all my options and can breathe a small sigh of relief knowing how to plan my next moves. My assessment call with them to figure out where I currently stand was humorous as well as informative, and made me feel secure about moving forward. Kristina was great. 5 stars for her especially. but yeah... just call if you want some answers and are actually interested about fixing your debt or credit situation. They will legit help you.

- Brandy

Kristina DelvilleCredit CounsellorLearn More →

I can't tell you what a relief it was to talk with Kristina. Right from the start she made me feel comfortable and relaxed. Prior to our conversation I was nervous and the feeling of being overwhelmed was consuming me. Kristina took that all away. She is a true professional and I appreciate the service she is still providing me.

- Chris Shields

Kristina DelvilleCredit CounsellorLearn More →

I had the chance to speak with Kristina, which was amazing. She really made me feel normal and human again. I actually felt supported and secure that I was going to be able to fix this debt problem I've been in. We really looked at all options available with my budget and she enlightened me on the options that were more doable and logical for my situation. I would recommend you contact Credit Canada for any financial issues. They are human, understanding, patient and supportive. Thanks so much!

- Medeiros Melina

Kristina DelvilleCredit CounsellorLearn More →


Ready to Get Started?

If you live in Ottawa and your goal is to become debt-free, contact us today by calling (613) 216-6077 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 Ottawa 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 Ottawa 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 Ottawa.

  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 Ottawa

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 Ottawa. 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 7 reviews about our Ottawa 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 Ottawa 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 Ottawa, give us a call at (613) 216-6077 or fill out the form on this page.  Our certified credit counsellors offer free debt assessment and confidential, non-judgmental financial literacy education with no obligation.