"Our counsellor was the best person I have ever dealt with. With this being a sensitive situation, he did not come across as judgmental, and he was extremely helpful. His advice has been crucial to us, and we will be forever grateful to him."
- TERRI & MARK
"Thank you, thank you, thank you. I actually feel that I can again sleep at night. Some of the burden has lifted off of my shoulders. Whew!"
- SAMANTHA
"Thanks a lot for all your help . . . you're performing an amazing service. I feel like I'm finally, thanks to your work, getting some control over the chaos. Thanks so much...I can finally sleep at night!"
-RICK
"The service was very friendly and made me feel better about myself, my money situation, and how to deal with it."
- GORDON
"[Your debt management program] works. Thank you, Thank you. I refer you guys to everyone I meet who’s having problems with their debts."
- SHARAN
"I found the appointment very beneficial . . . [it has] started me thinking about financial budgeting on a daily basis and thinking about my motivations for spending and saving money."
- DAN
"I just went online and paid [off my debt management program], what a great feeling! It’s the best present to myself I could ever have . . . I want to thank [my counsellor] and CCS for all your help over the years. It has truly been a life altering event."
- LUCIE
“This program was a lifesaver for me. I had no luck trying to negotiate with creditors on my own. I received prompt action, and my counsellor was helpful and supportive. I have recommended this program to others as now I have a ‘fresh start’ and want to make others aware that there is hope through Credit Counselling Society.”
- SANDRA
"I really appreciated the fact that I did not feel judged. I was treated with respect and dignity and felt that there was hope for my future."
- HEATHER
Thank you
Calculators
How Much Do You Owe Use this calculator to find out how much debt you owe and how long it’s going to take to pay it off. Just enter your credit card and loans balances and the calculator will tell you the rest.
How Much Is Your Debt Costing You Do you know how much interest you are paying each year on all of your debts? You might be surprised. With this calculator you can find out how much you owe, how much interest you paying each year, and how long it’s going to take to pay it all off. Just enter your credit card and loan balances, and the calculator will figure out the rest.
Loan Calculator If you were to consolidate all of your debts into one loan, what would the monthly payments be? If you can only afford a certain payment each month, how big would your loan be? Give this calculator a try and see how quickly you might be able to get out of debt.
Use A Strategy To Pay Down Your Debts How quickly could you pay off your debts if you started paying down your debt with the highest interest rate first, and then once that debt is paid off, use that payment to help pay down the next debt with the next highest interest rate? What would happen if you did this for each of your debts until the debt with the lowest interest rate is paid off last? What if you could afford to pay a little more each month? How much would that help? Find out by entering your debts into this calculator and then see if you can find a way to become debt free sooner by applying a proven strategy.
Savings Calculator You may have heard that saving a little every month can add up to a lot of money over a number of years. Now you can see for yourself if this is true. Give this a try and see how much money you might be able to save!