Who We Are?
Why Use Community Credit Counselling Canada?
At Community Credit Counselling Canada, we are more than just a financial service—we are a not for profit organization dedicated to helping Canadians regain control of their finances. Unlike for profit agencies, our sole focus is on empowering you with the tools, knowledge, and support to overcome debt and achieve financial stability. We offer free and confidential consultations, ensuring that everyone has access to expert guidance, regardless of their financial situation. Our certified counselors are compassionate, judgment-free, and committed to tailoring solutions to fit your unique needs—whether that’s through debt consolidation, a Debt Management Plan, or financial education. We also believe in building long-term financial health, providing ongoing support and resources to help you stay on track.
Choosing us means choosing a team that genuinely cares about your financial well-being. We aren’t driven by profits, but by a mission to create a financially empowered community. With Community Credit Counselling Canada, you’ll find trusted, transparent, and affordable help that puts your financial future first.
Frequently Asked Questions
What services does Community Credit Counselling Canada provide?
We offer Debt Management Plans (DMPs), Financial Counselling, Debt Consolidation, Consumer Proposals, and Bankruptcy support. Our goal is to help Canadians manage their debts and regain financial stability with tailored, nonprofit solutions.
What is the difference between debt consolidation and a DMP?
Debt consolidation combines multiple debts into a single loan or payment, often at a lower interest rate. A DMP, on the other hand, is a negotiated agreement with your creditors that reduces interest and fees without taking on a new loan. Both options simplify payments, but a DMP doesn’t require borrowing more money.
When should I consider bankruptcy?
Bankruptcy may be an option if you are unable to pay off your debts through other methods like a DMP or consumer proposal. It provides legal protection from creditors and can eliminate most debts, but it has long-term impacts on your credit score. Our counselors can help determine if this is the right option for you.
Will using your services affect my credit score?
While seeking advice from us won’t affect your credit score, enrolling in a Debt Management Plan or consumer proposal may have a temporary impact. However, as you pay down your debts and follow your plan, your credit score can improve over time.
How does the free consultation work?
In the free consultation, our certified counselors will review your financial situation, including debts, income, and expenses. We’ll then recommend personalized solutions, such as a DMP, debt consolidation, or financial counselling, to help you move forward.
How does a Debt Management Plan (DMP) work?
A DMP consolidates your unsecured debts into one affordable monthly payment. We work with your creditors to reduce interest rates and eliminate fees, making it easier for you to pay off your debt over time.
What is a consumer proposal?
A consumer proposal is a legal agreement where you agree to pay a portion of your total debt over a set period of time. It offers protection from creditors and stops collection activities, while helping you avoid bankruptcy. You’ll make manageable monthly payments with no additional interest.
Is there a fee for your services?
We provide free initial consultations. Some services, such as Debt Management Plans or bankruptcy support, may involve low administrative fees, but as a not for profit, we aim to keep costs as affordable as possible.
Can you help with secured debts, like a mortgage or car loan?
Our services are focused on unsecured debts, such as credit cards, personal loans, and medical bills. However, we can provide financial counseling to help you manage secured debts and advise on the best options for your overall financial situation.
How can I get started?
Getting started is simple! Contact us via phone, email, or through our website to schedule your free consultation. We’ll work with you to create a plan tailored to your financial needs.
What Our Clients Have To Say
“As a newcomer to Canada, I didn’t fully understand how the credit system worked. Community Credit Counselling Canada not only helped me consolidate my debt but also taught me how to manage my finances better. Thanks to their guidance, I’m now in control of my finances and working toward a brighter future.”
“I was overwhelmed by my credit card debt and didn’t know where to turn. Community Credit Counselling Canada was a lifeline. They helped me consolidate my debt into one manageable payment, and within months, I started seeing progress. The counselors were kind, supportive, and never made me feel judged. I’m now on the road to being debt-free!”
“After losing my job, I fell behind on several loans and felt like I was drowning. The team at Community Credit Counselling Canada didn’t just help me with a plan to get back on track—they gave me hope. Their not for profit approach meant I could access help without worrying about additional fees, and now I’m rebuilding my financial health with confidence.”
