Free Debt Relief Help and Credit Counselling in Niagara Falls

Located in the heart of Niagara region, the City of Niagara Falls is a vibrant community where residents can enjoy all the amenities of a large urban centre in a comfortable, highly livable city. From cultural events to recreational activities, Niagara Falls has it all—which can also make it an expensive place to call home, especially when you’re struggling with debt. 

If you’re feeling overwhelmed by your financial situation, and money troubles are keeping you up at night, you may want to consider credit counselling in Niagara with Credit Canada. We offer non-profit debt counselling, debt relief, and debt consolidation help either by phone or at our Niagara Falls office located at Heart Niagara, 4635B Queen Street. Free parking is available and the office is wheelchair accessible. We also offer phone appointments. Simply call (905) 684-9401 to book yours.

Get Debt Help

Our Qualified Niagara Falls 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 for you 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.


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.

Wondering How a Debt Consolidation Program Works?

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 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 Credit Counsellors

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 →

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 →

Going through these types of experiences can be scary and humiliating but Joanne set my mind at ease with her compassion and understanding. She explained in great detail the options I had and their repercussions. She helped me make an informed decision and educated me in ways to get back on my feet. Joanne was amazing at calming my fears and making me not feel like a failure. I am so happy that this service exists for the working poor to turn to when we need it.

- T A

Joanne PaolozziCredit CounsellorLearn More →

I can honestly say that credit counselor, Becky Western Macfadyen saved my Christmas. I no longer have sleepless nights worrying about the burden of my debts. She is courteous, professional, and was always available to me to offer guidance and a sympathetic ear. For that I am extremely grateful and appreciative for her help. Happy New Year, Becky!

- Valerie Dunn

Becky Western-MacfadyenCredit CounsellorLearn More →


Ready to Get Started?

If you live in Niagara Falls or the greater Niagara Region and your goal is to become debt-free, contact us today by calling (905) 684-9401 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 the City of Niagara Falls can be 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 Niagara Falls to save a bundle on gas, car payments, and auto insurance.

  4. Some things in life do come free! There are tons of free things to do in the City of Niagara Falls and throughout the Niagara region.

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 Niagara Falls

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 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 Niagara Falls. What makes us different?

Our Fees are Reasonable

For-profit credit counselling agencies can 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 our 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 welcome to check out our Google Reviews, where we’re proud to say we’ve received an impressive 4.5 out of 5 stars across all of our office locations. In addition, we’re often a featured expert in the press, including 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 Niagara Falls 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 Niagara Falls, give us a call at (905) 684-9401 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.