{"id":13347,"date":"2020-09-03T16:05:34","date_gmt":"2020-09-03T16:05:34","guid":{"rendered":"https:\/\/nomoredebts.org\/?page_id=13347"},"modified":"2025-04-02T10:37:30","modified_gmt":"2025-04-02T17:37:30","slug":"credit-counselling-society","status":"publish","type":"page","link":"https:\/\/nomoredebts.org\/about-us\/credit-counselling-society","title":{"rendered":"Credit Counselling Society – Our Organization"},"content":{"rendered":"

[et_pb_section fb_built=”1″ admin_label=”Banner Image with Heading and Text” module_class=”vertical-align” _builder_version=”4.16″ background_color=”#e7dff3″ use_background_color_gradient=”on” background_color_gradient_type=”circular” background_color_gradient_stops=”rgba(91,37,175,0.44) 15%|rgba(91,37,175,0) 70%” background_color_gradient_overlays_image=”on” background_color_gradient_start=”rgba(91,37,175,0.44)” background_color_gradient_start_position=”15%” background_color_gradient_end=”rgba(91,37,175,0)” background_color_gradient_end_position=”70%” background_image=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/ccs-family-team_hero.jpg” min_height=”550px” bottom_divider_style=”wave2″ bottom_divider_color=”#e7dff3″ bottom_divider_height_tablet=”70px” bottom_divider_height_phone=”50px” bottom_divider_height_last_edited=”on|phone” background_last_edited=”on|phone” background_size_phone=”cover” background_position_tablet=”top_right” background_position_phone=”center_right” global_colors_info=”{}”][et_pb_row custom_padding_last_edited=”on|phone” admin_label=”Row” _builder_version=”4.16″ background_enable_image=”off” max_width=”100%” custom_margin=”||||false|false” custom_padding=”||90px||false|false” custom_padding_tablet=”” custom_padding_phone=”||80px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text admin_label=”Heading” _builder_version=”4.16″ text_font=”|600|||||||” text_font_size=”42px” text_line_height=”1em” text_orientation=”center” background_layout=”dark” module_alignment=”center” custom_margin=”||26px|||” custom_padding=”0px|||||” animation_direction=”top” text_text_shadow_style=”preset2″ global_colors_info=”{}”]<\/p>\n

Our Organization<\/p>\n

[\/et_pb_text][et_pb_text admin_label=”Text” _builder_version=”4.22.0″ text_font_size=”22px” text_line_height=”1em” text_orientation=”center” background_layout=”dark” module_alignment=”center” custom_margin=”||||false|false” custom_padding=”||0px||false|false” animation_direction=”bottom” text_text_shadow_style=”preset2″ global_colors_info=”{}”]<\/p>\n

We help. We educate. We give hope.<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” admin_label=”Intro Paragraph” _builder_version=”4.16″ background_color=”rgba(91,37,175,0.15)” custom_padding=”0px||150px|||” custom_padding_tablet=”||99px||false|false” custom_padding_phone=”||58px||false|false” top_divider_style_last_edited=”off|desktop” bottom_divider_style=”ramp2″ bottom_divider_color=”#ffffff” bottom_divider_repeat=”1x” bottom_divider_flip=”horizontal|vertical” bottom_divider_style_tablet=”” bottom_divider_style_phone=”” bottom_divider_style_last_edited=”on|phone” bottom_divider_height_tablet=”70px” bottom_divider_height_phone=”100px” bottom_divider_height_last_edited=”on|phone” bottom_divider_flip_tablet=”” bottom_divider_flip_phone=”horizontal” bottom_divider_flip_last_edited=”on|phone” collapsed=”off” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ width_tablet=”80%” width_phone=”80%” width_last_edited=”on|desktop” custom_padding=”0px|||||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_dmb_breadcrumbs font_icon=”%%20%%” use_home_icon=”off” show_custom_taxonomy_crumbs=”off” _builder_version=”4.21.0″ body_text_color=”rgba(102,102,102,0.8)” link_text_color=”rgba(42,209,61,0.8)” custom_padding_tablet=”” custom_padding_phone=”20px||||false|false” custom_padding_last_edited=”on|phone” animation_direction=”left” global_module=”6437″ saved_tabs=”all” global_colors_info=”{}” link_text_color__hover_enabled=”on|hover” link_text_color__hover=”rgba(90,39,178,0.4)” theme_builder_area=”post_content” _i=”0″ _address=”1.0.0.0″ \/][et_pb_text admin_label=”H1 Heading” _builder_version=”4.22.0″ custom_margin=”||0px|||” custom_padding=”||2px|||” animation_direction=”bottom” global_colors_info=”{}”]<\/p>\n

We Are the Credit Counselling Society<\/h1>\n

The Credit Counselling Society is an accredited non-profit that helps Canadians with their money. We opened our doors in 1996 and have served close to a million Canadians through credit counselling and education.<\/p>\n

Our mission is to help, educate, and give hope to Canadians so that they can achieve financial well-being<\/a>. We do this by providing free credit counselling, low cost debt solutions, and education.<\/p>\n

We help any consumer who calls us. We can answer general questions about your credit, debt, and budget. We can meet with you to discuss your specific situation and offer you information, unbiased advice, and resources. No financial problem is too big or too small to get a fresh perspective on. And the best part is that it\u2019s free and confidential.<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” _builder_version=”4.16″ _module_preset=”default” custom_margin=”||0px||false|false” custom_margin_tablet=”||-90px||false|false” custom_margin_phone=”||-52px||false|false” custom_margin_last_edited=”on|phone” custom_padding=”1px||0px|||” custom_padding_tablet=”43px||133px||false|false” custom_padding_phone=”31px||72px||false|false” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_accordion _builder_version=”4.16″ _module_preset=”default” toggle_level=”h2″ toggle_font_size=”16px” global_colors_info=”{}”][et_pb_accordion_item open=”on” _builder_version=”4.16″ _module_preset=”default” custom_css_main_element=”display:none;” global_colors_info=”{}”][\/et_pb_accordion_item][et_pb_accordion_item title=”Client Care” open_toggle_text_color=”#5b25af” _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}” toggle_level=”h2″ open=”off”]<\/p>\n

Our client care team answers the telephone on average within three seconds because they know how hard it is to pick up the phone and call us. Our team will answer your questions and either transfer you to a credit counsellor or, if you prefer, schedule an appointment for you with a credit counsellor at a location, time, and method (in-person or by telephone) that serves you best.<\/p>\n

[\/et_pb_accordion_item][et_pb_accordion_item title=”Credit Counselling” open_toggle_text_color=”#5b25af” _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}” open=”off”]<\/p>\n

Our credit counselling team will meet with you by telephone or in-person to discuss your specific situation and give you information, unbiased advice, and resources to help you with your financial challenge. Our credit counsellors are Accredited Financial Counsellors<\/a> (or on their way towards this certification).<\/p>\n

[\/et_pb_accordion_item][et_pb_accordion_item title=”Client Services” open_toggle_text_color=”#5b25af” _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}” open=”off”]<\/p>\n

Our client services team works with clients who establish a debt management program. They liaise with creditors to ensure the program is set up accurately and payments are disbursed according to the program. They are here to help our clients stay on track with the debt management program<\/a>, ensuring freedom from debt within 5 years.<\/p>\n

[\/et_pb_accordion_item][et_pb_accordion_item title=”Financial Education” open_toggle_text_color=”#5b25af” _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}” open=”off”]<\/p>\n

Our education team provides financial education in the community through in-person workshops at local libraries, employers, community organizations, post-secondary institutions, and other organizations. They also provide live webinars for consumers across the country. Our financial educators are Certified Educators in Personal Finance or on their way to becoming certified.<\/p>\n

[\/et_pb_accordion_item][\/et_pb_accordion][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ prev_background_color=”#ffffff” _builder_version=”4.16″ _module_preset=”default” background_color=”#e4f8e0″ custom_padding=”150px||120px|||” top_divider_style=”curve2″ bottom_divider_style=”wave2″ bottom_divider_color=”#ffffff” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ _module_preset=”default” custom_padding=”||0px|||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ _module_preset=”default” custom_padding=”||1px|||” global_colors_info=”{}”]<\/p>\n

How We Help<\/h2>\n

The Credit Counselling Society helps consumers in three distinct ways.<\/p>\n

1. We provide free credit counselling to any consumer who wishes to discuss their personal situation with us. You can speak with one of our counsellors in-person at any of our offices across Canada or by telephone six days a week. We have extended hours to serve consumers when it’s most convenient for them. Meeting with one of our counsellors typically takes around 45 minutes and if more time is needed, a second appointment can easily be scheduled. Meeting with our credit counsellors is free, confidential, and has no impact on your credit report.<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ make_equal=”on” module_id=”get-cell-phone” module_class=”custom_row” _builder_version=”4.16″ width_tablet=”80%” width_phone=”80%” width_last_edited=”on|phone” custom_margin=”-6px|auto||auto||” custom_padding=”0px|||||” global_colors_info=”{}”][et_pb_column type=”1_2″ module_class=”vertical-align second-on-mobile” _builder_version=”4.16″ animation_direction=”left” custom_css_main_element=”margin: auto;” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ custom_padding=”24px|||||” global_colors_info=”{}”]<\/p>\n

2. We provide low-cost debt solutions. We can help some consumers with a payment plan that consolidates or pools (we\u2019re licensed debt poolers) all unsecured debts into one monthly payment with interest relief. This solution is called a Debt Management Program (DMP)<\/a>, and it can help you become debt-free in a reasonable amount of time without permanently impacting your credit or record. There are small fees attached to this program.<\/p>\n

3. We provide financial education and consumer outreach in various communities. We offer free public workshops in various local libraries as well as free public live webinars. We also offer tailor-made workshops to various organizations including employers, community organizations, government, and post-secondary institutions.<\/p>\n

[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ module_class=”first-on-mobile” _builder_version=”4.16″ animation_style=”slide” animation_direction=”right” animation_intensity_slide=”2%” custom_css_main_element=”margin: auto;” global_colors_info=”{}”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/credit-counselling-in-person_2colm.jpg” alt=”Smiling young couple sitting and talking to counselor ” title_text=”credit-counselling-in-person” align_tablet=”center” align_phone=”” align_last_edited=”on|phone” _builder_version=”4.16″ max_height=”500px” max_height_tablet=”600px” max_height_phone=”” max_height_last_edited=”on|phone” custom_margin_tablet=”44px||-7px||false|false” custom_margin_phone=”47px||0px||false|false” custom_margin_last_edited=”on|phone” custom_padding=”0px||||false|false” border_radii=”off|200px|20px|200px|20px” box_shadow_style=”preset2″ global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Testimonial – Charis” _builder_version=”4.16″ custom_margin=”||55px||false|false” custom_margin_tablet=”-13px||32px||false|false” custom_margin_phone=”-13px||130px||false|false” custom_margin_last_edited=”on|tablet” custom_padding=”91px||||false|false” collapsed=”off” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ use_custom_gutter=”on” gutter_width=”1″ make_equal=”on” custom_padding_last_edited=”on|phone” admin_label=”Testimonial” _builder_version=”4.16″ width_tablet=”” width_phone=”80%” width_last_edited=”on|phone” custom_margin=”|auto||auto|false|false” custom_margin_tablet=”” custom_margin_phone=”0px||0px||true|false” custom_margin_last_edited=”on|phone” custom_padding=”0px|0px|0px||false|false” custom_padding_tablet=”” custom_padding_phone=”0px||0px||true|false” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ animation_direction=”bottom” global_colors_info=”{}”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/05\/Testimonial_speech.png” alt=”Testimonial speech” title_text=”Testimonial” admin_label=”Quotation Mark” _builder_version=”4.16″ transform_scale_tablet=”” transform_scale_phone=”” transform_scale_last_edited=”on|phone” transform_translate_tablet=”” transform_translate_phone=”” transform_translate_last_edited=”on|phone” transform_translate_linked=”off” transform_rotate_tablet=”” transform_rotate_phone=”” transform_rotate_last_edited=”on|phone” transform_skew_tablet=”” transform_skew_phone=”” transform_skew_last_edited=”on|phone” transform_origin_tablet=”” transform_origin_phone=”” transform_origin_last_edited=”on|phone” transform_styles_last_edited=”on|phone” max_width=”150px” max_width_tablet=”122px” max_width_phone=”116px” max_width_last_edited=”on|phone” module_alignment=”left” custom_margin=”-30px|0px|-30px|0px|true|true” custom_margin_tablet=”-30px|0px|-30px|0px|true|true” custom_margin_phone=”-25px|0px|-25px||true|false” custom_margin_last_edited=”on|phone” custom_padding=”0px|42px||42px|false|true” custom_padding_tablet=”0px|50px||0px|false|false” custom_padding_phone=”40px|60px|0px|0px|false|false” custom_padding_last_edited=”on|phone” filter_opacity=”30%” transform_styles_tablet=”” transform_styles_phone=”” global_colors_info=”{}”][\/et_pb_image][et_pb_text content_tablet=”<\/p>\n

I feel like I can breathe again<\/h2>\n

” content_phone=”<\/p>\n

I feel like I can breathe again<\/h2>\n

” content_last_edited=”off|desktop” admin_label=”H2 Heading” _builder_version=”4.16″ header_font=”|600|||||||” header_text_align=”left” header_text_color=”#5b25af” header_font_size=”42px” header_line_height=”1.3em” header_2_font=”Work Sans|600|||||||” header_2_text_color=”#5b25af” header_2_font_size=”42px” width=”94%” width_tablet=”” width_phone=”100%” width_last_edited=”on|phone” max_width=”100%” max_width_tablet=”” max_width_phone=”100%” max_width_last_edited=”on|phone” module_alignment=”left” custom_margin=”|0px|0px|0px|false|true” custom_padding=”|0px||89px|true|false” custom_padding_tablet=”|||51px|true|false” custom_padding_phone=”|||38px|true|false” custom_padding_last_edited=”on|phone” module_alignment_tablet=”” module_alignment_phone=”left” module_alignment_last_edited=”on|phone” custom_css_main_element=”font-weight: 600;|| font-size: 42px;|| color: #2b2b2b!important;|| line-height: 1.3em;|| text-align: left;” global_colors_info=”{}”]<\/p>\n

There\u2019s a way out of debt with help<\/h2>\n

[\/et_pb_text][et_pb_text admin_label=”Paragraph” _builder_version=”4.16″ transform_translate_linked=”off” width=”100%” width_tablet=”” width_phone=”100%” width_last_edited=”on|phone” max_width=”100%” max_width_tablet=”” max_width_phone=”100%” max_width_last_edited=”on|phone” custom_margin=”15px|0px|0px|0px|false|true” custom_padding=”0px|89px|0px|89px|true|true” custom_padding_tablet=”|0px||51px|true|false” custom_padding_phone=”|40px||40px|true|true” custom_padding_last_edited=”on|phone” module_alignment_tablet=”” module_alignment_phone=”” module_alignment_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

I had just come to the point where I had given up hope, that there\u2019s no way I could ever repay my debt. A friend of mine suggested I reach out, and I thought I\u2019d get some condescending person on the phone lecture me about money, but my counsellor was the most compassionate caring person who became sort of my own personal cheerleader.<\/p>\n

Charis<\/strong><\/p>\n

[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” animation_style=”slide” animation_direction=”right” animation_intensity_slide=”2%” global_colors_info=”{}”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/06\/charis-testimonial.png” alt=”Smiling mature woman in the mountains” title_text=”Charis” show_bottom_space=”off” align=”center” admin_label=”Charis” _builder_version=”4.16″ width=”100%” max_width=”100%” module_alignment=”center” max_height=”385px” custom_margin=”15px|0px|0px|80px|false|false” custom_margin_tablet=”0px|||0px|false|false” custom_margin_phone=”16px||||false|false” custom_margin_last_edited=”on|phone” custom_padding=”0px|0px|0px|0px|false|false” custom_padding_tablet=”47px||35px||false|false” custom_padding_phone=”||0px||false|false” custom_padding_last_edited=”on|phone” animation_direction=”left” border_radii=”on|436px|436px|436px|436px” box_shadow_style=”preset1″ box_shadow_horizontal=”4px” box_shadow_vertical=”4px” box_shadow_blur=”21px” box_shadow_color=”rgba(0,0,0,0.15)” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ background_color=”#e7dff3″ custom_padding=”130px||0px|||” top_divider_style=”wave2″ top_divider_color=”#ffffff” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ make_equal=”on” module_id=”get-secured-card” _builder_version=”4.16″ width_tablet=”70%” width_phone=”80%” width_last_edited=”on|phone” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ animation_style=”slide” animation_direction=”left” animation_intensity_slide=”2%” custom_css_main_element=”margin: auto;\t” global_colors_info=”{}”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/debt-free_2colm.jpg” alt=”Debt free sign in a plant pot” title_text=”debt-free” align_tablet=”center” align_phone=”” align_last_edited=”on|phone” _builder_version=”4.16″ max_height_last_edited=”off|tablet” custom_margin=”||||false|false” custom_margin_tablet=”||25px||false|false” custom_margin_phone=”||0px||false|false” custom_margin_last_edited=”on|phone” custom_padding_tablet=”||||false|false” custom_padding_phone=”||17px||false|false” custom_padding_last_edited=”on|tablet” border_radii=”off|200px|20px|200px|20px” box_shadow_style=”preset2″ global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ animation_direction=”top” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n

Who We Help<\/h2>\n

We have helped over 1,000,000 Canadians through credit counselling since 1996. In fact, here are a few numbers that may interest you:<\/p>\n

 <\/p>\n