Choosing a Credit Counselling Service

Each year over 250,000 Canadian households contact a member agency of Credit Counselling Canada, “CCC,” like the Credit Counselling Society, for help with their debt and money management problems. CCC sets the national standards for quality credit counselling, debt repayment / reduction services and education for financial well being.

Before entering into an agreement with a credit counselling service, ask questions to determine if the agency is non-profit, has properly trained counsellors on staff and offers free and low-cost services. It could be the difference between finding the right solution versus making a costly financial mistake.

It’s in your best interest to find out if:

• their counsellors provide objective information and advice or are really telemarketers whose main goal is to sign you up for a debt management plan when you may only need money management assistance
• the agency is properly licensed in the Province(s) it operates in
• they have any unresolved complaints that have been filed with the Better Business Bureau or provincial regulatory licensing office
• their financial records and trust account are audited by an outside accounting firm confirming that the agency is financially stable and all funds are accounted for
• they provide ongoing support, education and guidance to their clients

The Credit Counselling Society values the relationship we develop with each of our clients and with those who contact us to inquire about the services we provide. Our aim is to provide a professional, efficient, helpful and friendly service. If we have not met or exceeded your expectations please contact our President & CEO who will ensure that action is taken and that you receive a timely response.

It’s your money and credit – don’t hand it over to just anyone.