Who We Are | Credit Canada

Canada’s First and Longest-Standing Non-Profit Credit Counselling Agency

For over 60 years, Credit Canada has helped millions of Canadians see life more clearly with free, confidential, non-profit credit counselling and practical debt solutions.
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Helped 2+ million Canadians get out of debt and sleep better at night.

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$500,000,000+ debt resolved, giving Canadians a fresh start.

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60+ years of non-profit service, putting people first every step of the way.

How We Help Canadians Get Out of Debt

As a non-profit organization, we put people first. Each year, we help over 50,000 Canadians find simple, affordable ways to manage debt through expert guidance, personalized support, and trusted financial programs. No matter your situation or where you live, we are here to guide you every step of the way.

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Debt Consolidation Program

A Debt Consolidation Program (DCP, also often referred to as a debt management program) combines your debts into one simple monthly payment, often reducing or stopping the interest. It can also stop collection calls, helping you pay down what you owe with less stress and more confidence.
Learn how debt consolidation works
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Non-Profit Credit Counselling

Speak one-on-one with a certified Credit Counsellor in a free, no-obligation session. They’ll take the time to understand your situation, answer your questions without pressure or judgment, and help you explore all possible options and strategies. Together, you’ll find a path forward that feels clear, manageable, and right for you.
Speak to a Credit Counsellor
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Financial Coaching Program

Build long-term confidence with personalized coaching through Credit Canada GOLD, a free program designed to help you strengthen your financial habits using proven behavioural science. With ongoing support and a built-in community, you’ll stay accountable, build momentum, and plan for a more secure financial future.
Explore the Credit Canada GOLD program

Recognized and Accredited Across Canada

We maintain the highest standards of service. Our Credit Counsellors average 15 years of experience in the field, ensuring every Canadian receives expert, trusted support.

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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.

View our Profile

2

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.

View our Profile

3

National Foundation for Credit Counselling (NFCC) Affiliate

We are an NFCC affiliate, part of North America's largest and longest-serving network of non-profit financial educators.

View NFCC Member Agencies

17-Time Consumer Choice Award Winner

Credit Canada has been recognized as the top provider of Credit and Debt Counselling Services for 17 consecutive years, reflecting our commitment to service excellence.

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Certified Financial Counsellor (CFC™)

Our team members hold the CFC™ designation through The Canadian Association for Financial Empowerment (CAFE), ensuring expert-level guidance for Canadian consumers.

Learn about the CFC Designation

Real Stories, Real Relief

We help turn lives around, and the appreciation from our clients runs deep. Watch how we’ve helped Canadians move from feeling stuck and overwhelmed to seeing life more clearly with supportive, judgment-free guidance and a clear path forward they can feel confident in.

See Client Testimonial Videos

Google Reviews Rating
I went in being worried and came out with the proper mindset and knowledge to tackle my student debt. Very helpful, very insightful and went above and beyond despite our meeting being brief. Free debt counselling over the phone or in person, what's better than that? Absolutely recommend!

— Matt Lupiccini

Saj was very helpful, positive and patient with me on the phone, helping set up my account. Even though I was nervous and a bit embarrassed, Saj made me feel comfortable and encouraged my decision to become debt free. Thank you!

— Theodora Kapsali

I had the pleasure of speaking with Randolph Taylor regarding consolidating my debt and I am glad that I was speaking with. Randolph was very kind, non judgmental, and truly just coming from a genuine place to understand and help. Randolph answered all my questions and make clients feel comfortable regarding discussing their debt. Randolph educated me on the steps I could take and explain everything to me. Thank you so much Randolph for all your hardwork, kindness, and knowledge. Thank you for helping us understand consolidating our debt without coming from a place of judgment. I highly recommend them!

— Lari

Cathy Plowman was such an amazing person to speak to. She broke everything down for me to understand, and I would definitely recommend that whoever is in debt and needs help give Credit Canada a call. They are so helpful and very great people.

— Sam

I had a great experience working with Doris. She was extremely helpful and supportive in guiding me through my credit debt situation. She explained everything clearly, gave practical advice, and helped me understand the best way to manage and reduce my debt. Doris was patient, professional, and genuinely cared about helping me improve my financial situation. Thanks to her guidance, I feel more confident and in control of my finances. I highly recommend Doris to anyone who needs help with credit or debt management.

— Tarjeet Singh Bhatti

Strategic Partnerships & Community Impact

We collaborate with government bodies, including the Government of Ontario and community organizations, to address the real financial challenges Canadians face every day, from credit building to fraud prevention.

Our work extends into communities through various partnerships and events, including:

  • Toronto Immigrant Fair
  • Niagara District School Board
  • University of Toronto
  • Alberta Association of Immigrant Serving Agencies (AAISA)

Supporting Canadians from Coast to Coast

From major cities to remote communities, Credit Canada provides support to individuals and families across the country. Our services are available remotely, primarily by phone, and tailored to reflect the unique financial realities and regulations of each region.

Coast-to-Coast Remote Support

  • Western Canada: British Columbia, Alberta, Saskatchewan, and Manitoba.
  • Central Canada: Ontario.
  • Atlantic Canada: New Brunswick, Nova Scotia, Prince Edward Island, Newfoundland and Labrador.
  • Northern Territories: Yukon, Northwest Territories, Nunavut.

Credit Canada Leadership

Bruce Sellery, CEO

Bruce Sellery is a personal finance expert and the CEO of Credit Canada, the country’s first and longest-standing non-profit credit counselling agency. He appears regularly on Breakfast Television, delivers a national money column on CBC Radio, and speaks at events nationwide.

He’s also the host of Moolala: Money Made Simple, a podcast and weekly radio show on SiriusXM, and the bestselling author of two Globe and Mail books, including Moolala: Why Smart People Do Dumb Things with Their Money (and What You Can Do About It).

Bruce is passionate about helping people get out of debt and back into life.

LinkedIn | Moolala Podcast

Mission and Vision

At Credit Canada, we believe that debt shouldn't define your future. 

Mission: We help people get out of debt, so they can get back into life. 
Vision: We are Canada’s leaders in credit counselling, transforming the way people use credit. 

Explore our 2025 Impact Report

From Our Blog

Learn expert insights on budgeting, saving, and practical ways to manage your money with confidence, written by certified Credit Counsellors and informed by the real questions Canadians ask every day.

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13+ Canadian Government Benefits For Low-Income Households

Read More
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Debt Repayment Spreadsheet: Budget to Pay Off Debt

Read More
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Can a Collection Agency Take You to Court?

Read More

Read our Blog


Frequently Asked Questions

Have questions? We are here to help.

Is Credit Canada a non-profit organization?

What is the difference between credit counselling and a Debt Consolidation Program?

What is the difference between non-profit credit counselling and for-profit debt settlement?

How do provincial regulations affect my debt options?

Does Credit Canada support people on fixed incomes?

Is a Debt Consolidation Program the same as a Consumer Proposal?

How can I speak with a Credit Counsellor, and is it really free?