{"id":14846,"date":"2020-09-14T16:21:53","date_gmt":"2020-09-14T16:21:53","guid":{"rendered":"https:\/\/nomoredebts.org\/?page_id=14846"},"modified":"2025-06-17T19:49:59","modified_gmt":"2025-06-18T02:49:59","slug":"ontario","status":"publish","type":"page","link":"https:\/\/nomoredebts.org\/canada-credit-counselling\/ontario","title":{"rendered":"Ontario Non-Profit, Credit &#038; Debt Counselling Services"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; next_background_color=&#8221;#E4F8E0&#8243; admin_label=&#8221;Banner Image with Heading and Text&#8221; module_class=&#8221;vertical-align&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;_initial&#8221; use_background_color_gradient=&#8221;on&#8221; background_color_gradient_type=&#8221;circular&#8221; background_color_gradient_stops=&#8221;rgba(91,37,175,0.44) 15%|rgba(91,37,175,0) 70%&#8221; background_color_gradient_overlays_image=&#8221;on&#8221; background_color_gradient_start=&#8221;rgba(91,37,175,0.44)&#8221; background_color_gradient_start_position=&#8221;15%&#8221; background_color_gradient_end=&#8221;rgba(91,37,175,0)&#8221; background_color_gradient_end_position=&#8221;70%&#8221; background_image=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/ontario-credit-counselling-1.jpg&#8221; min_height=&#8221;550px&#8221; bottom_divider_style=&#8221;wave2&#8243; bottom_divider_height_tablet=&#8221;70px&#8221; bottom_divider_height_phone=&#8221;50px&#8221; bottom_divider_height_last_edited=&#8221;on|phone&#8221; background_last_edited=&#8221;on|phone&#8221; background_color_gradient_stops_tablet=&#8221;rgba(91,37,175,0.44) 16%|rgba(91,37,175,0) 80%&#8221; background_color_gradient_stops_phone=&#8221;rgba(91,37,175,0.44) 30%|rgba(91,37,175,0) 90%&#8221; background_color_gradient_start_position_tablet=&#8221;16%&#8221; background_color_gradient_start_position_phone=&#8221;30%&#8221; background_color_gradient_end_position_tablet=&#8221;80%&#8221; background_color_gradient_end_position_phone=&#8221;90%&#8221; background_size_phone=&#8221;cover&#8221; background_position_tablet=&#8221;top_center&#8221; background_position_phone=&#8221;top_center&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row custom_padding_last_edited=&#8221;on|phone&#8221; admin_label=&#8221;Row&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_enable_image=&#8221;off&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;||90px||false|false&#8221; custom_padding_tablet=&#8221;&#8221; custom_padding_phone=&#8221;||80px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;Heading&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;|600|||||||&#8221; text_font_size=&#8221;42px&#8221; text_line_height=&#8221;1em&#8221; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||26px|||&#8221; animation_direction=&#8221;top&#8221; animation_duration_tablet=&#8221;&#8221; animation_duration_phone=&#8221;0ms&#8221; animation_duration_last_edited=&#8221;on|phone&#8221; animation_intensity_slide_tablet=&#8221;&#8221; animation_intensity_slide_phone=&#8221;0%&#8221; animation_intensity_slide_last_edited=&#8221;on|phone&#8221; text_text_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Free Credit &#038; Debt Counselling Ontario<\/p>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;Text&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font_size=&#8221;22px&#8221; text_line_height=&#8221;1.2em&#8221; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;||||false|false&#8221; animation_direction=&#8221;bottom&#8221; animation_duration_tablet=&#8221;&#8221; animation_duration_phone=&#8221;0ms&#8221; animation_duration_last_edited=&#8221;on|phone&#8221; animation_intensity_slide_tablet=&#8221;&#8221; animation_intensity_slide_phone=&#8221;0%&#8221; animation_intensity_slide_last_edited=&#8221;on|desktop&#8221; text_text_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>With our confidential, non-judgmental, free credit and debt counselling, Ontario residents can benefit from our debt relief solutions to help solve their financial challenges.<\/p>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;tel:1-888-527-8999&#8243; button_text=&#8221;1-888-527-8999&#8243; button_alignment=&#8221;center&#8221; disabled_on=&#8221;off|off|on&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; next_background_color=&#8221;#ffffff&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; background_color=&#8221;#E4F8E0&#8243; custom_padding=&#8221;||150px||false|false&#8221; custom_padding_tablet=&#8221;||150px||false|false&#8221; custom_padding_phone=&#8221;||110px||false|false&#8221; bottom_divider_style=&#8221;wave2&#8243; bottom_divider_flip=&#8221;horizontal&#8221; bottom_divider_height_tablet=&#8221;70px&#8221; bottom_divider_height_phone=&#8221;50px&#8221; bottom_divider_height_last_edited=&#8221;on|phone&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_2_font_size=&#8221;30px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1>Ontario Credit Counselling<\/h1>\n<p><strong><a href=\"https:\/\/nomoredebts.org\/debt-help\/credit-counselling\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: #666;\">Credit Counselling Ontario<\/span><\/a><\/strong> &#8211; Are debt problems causing you stress? Maybe you&#8217;re struggling to make your minimum payments. If financial problems are making it hard to sleep or causing difficulty with your relationships, let us help.<\/p>\n<h2>Take Control of Your Debt Today<\/h2>\n<p>If you&#8217;re feeling overwhelmed by debt, you&#8217;re not alone. Many Canadians in Ontario have turned to the Credit Counselling Society for help. With almost 30 years of experience, we&#8217;re here to provide judgment-free debt advice and solutions that work for you. Our certified credit counsellors are ready to guide you toward a financially secure future.<\/p>\n<p>Start your journey to financial freedom now! <a href=\"https:\/\/nomoredebts.org\/contact-us\">Contact a Credit Counsellor<\/a> today or call us at 1-888-527-8999.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;_initial&#8221; custom_padding=&#8221;||11px||false|false&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_2_font_size=&#8221;30px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Canada&#8217;s Leading Provider of Non Profit Consumer Credit Counselling &amp; Debt Solutions Services<\/h2>\n<p>At the Credit Counselling Society, we are a non-profit service providing consumer debt and credit counselling services to Ontario. We believe that no one should have to face financial stress alone.<\/p>\n<p>Our mission is to help you understand your options and create a personalized plan to tackle your debt. We can help you explore all your options and find the right solution for your situation. Whether you&#8217;re dealing with credit card debt, unexpected expenses, or financial uncertainty, our free credit counselling services in Ontario are here to help.<\/p>\n<p>Our experienced, professionally certified credit counsellors can also help you create a plan to:<\/p>\n<ul>\n<li><a href=\"https:\/\/nomoredebts.org\/debt-consolidation-canada\/ontario\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: #666;\">Consolidate your debts in Ontario<\/span><\/a> with one monthly payment<\/li>\n<li>Get your finances back on track and effectively manage your living expenses<\/li>\n<li>Stop collection calls<\/li>\n<li>Save thousands of dollars in interest charges<\/li>\n<\/ul>\n<h2>How Does a Debt Management Program (DMP) Work?<\/h2>\n<p style=\"padding-bottom: 15px;\">A DMP consolidates all your credit card and unsecured debt payments into one monthly payment. Payments are affordable because your creditors charge zero percent interest going forward or greatly reduce interest charges for the program. The plan eliminates your debt, helps you to re-establish credit afterwards, and gets your finances back on track as quickly as possible. Without borrowing any money, it provides a fresh start for your financial future.<\/p>\n<h3>Helping Canadians Since 1996<\/h3>\n<ul>\n<li>Over 1,000,000 people helped across Canada<\/li>\n<li>98% of clients would recommend our services to others<\/li>\n<li>The highest rating from the Better Business Bureau<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|tablet&#8221; prev_background_color=&#8221;#ffffff&#8221; _builder_version=&#8221;4.20.2&#8243; _module_preset=&#8221;_initial&#8221; background_color=&#8221;#e7dff3&#8243; z_index=&#8221;0&#8243; custom_margin_tablet=&#8221;||-126px||false|false&#8221; custom_margin_phone=&#8221;||-96px||false|false&#8221; custom_margin_last_edited=&#8221;on|tablet&#8221; custom_padding=&#8221;130px||80px||false|false&#8221; custom_padding_tablet=&#8221;||200px||false|false&#8221; custom_padding_phone=&#8221;&#8221; top_divider_style=&#8221;ramp2&#8243; bottom_divider_height_tablet=&#8221;&#8221; bottom_divider_height_phone=&#8221;&#8221; bottom_divider_height_last_edited=&#8221;on|phone&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Offices<\/h2>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_3,1_3,1_3&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong><a href=\"https:\/\/nomoredebts.org\/canada-credit-counselling\/ontario\/ottawa\" tabindex=\"-1\">Ottawa<\/a><\/strong><br \/>\n331 \u2013 116 Albert Street<br \/>\nOttawa, ON, K1P 5G4\u00a0<a href=\"https:\/\/www.google.ca\/maps\/place\/Credit+Counselling+Society+Ottawa+%7C+Free+Debt+Help+and+Debt+Relief\/@45.4213759,-75.6993256,16z\/data=!3m1!4b1!4m6!3m5!1s0x4cce0455311a0fe9:0xb20338fe6ff763b8!8m2!3d45.4213722!4d-75.6967507!16s%2Fg%2F12q4qdn_l?hl=en&#038;entry=ttu\" target=\"_blank\" tabindex=\"-1\" rel=\"noopener\">view map<\/a><\/p>\n<p><a href=\"tel:613-234-0505\" tabindex=\"-1\">613-234-0505<\/a>\u00a0or\u00a0<a href=\"tel:+18885278999\" tabindex=\"-1\">1-888-527-8999<\/a><\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong><a href=\"https:\/\/nomoredebts.org\/canada-credit-counselling\/ontario\/toronto\" tabindex=\"-1\">Toronto<\/a><\/strong><br \/>Suite 719 \u2013 1235 Bay Street<br \/>Toronto, ON, M5R 3K4 <a href=\"https:\/\/www.google.ca\/maps\/place\/Credit+Counselling+Society+Toronto+%7CFree+Debt+Help+and+Debt+Relief\/@43.6721229,-79.3789609,16z\/data=!3m2!4b1!5s0x89d4cb538b4d8a07:0x4403e62c1c76d218!4m6!3m5!1s0x882b34ae68a939c7:0x45e3f51fbff50980!8m2!3d43.672119!4d-79.376386!16s%2Fg%2F1yfh_kgly?hl=en&amp;entry=ttu\" target=\"_blank\" rel=\"noopener noreferrer\" tabindex=\"-1\">view map<\/a><\/p>\n<p><a href=\"tel:647-776-0485\" tabindex=\"-1\">647-776-0485<\/a>\u00a0or\u00a0<a href=\"tel:+18885278999\" tabindex=\"-1\">1-888-527-8999<\/a><\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong><a href=\"https:\/\/nomoredebts.org\/canada-credit-counselling\/ontario\/mississauga\" tabindex=\"-1\">Mississauga<\/a><\/strong><br \/>\nSuite 501 \u2013 77 City Centre Drive (East Tower)<br \/>\nMississauga, ON L5B 1M5\u00a0<a href=\"https:\/\/www.google.ca\/maps\/place\/Credit+Counselling+Society+Mississauga+%7C+Free+Debt+Help+and+Debt+Relief\/@43.5923185,-79.6407674,17z\/data=!3m2!4b1!5s0x882b5d68ff634ab5:0x81f26fcc8ce0c3b8!4m6!3m5!1s0x882b4725e31a3e17:0xbc148f145c4ae03f!8m2!3d43.5923146!4d-79.6381925!16s%2Fg%2F11c4qjywdv?entry=ttu\" target=\"_blank\" rel=\"noopener noreferrer\" tabindex=\"-1\">view map<\/a><br \/>\n<em><strong><span id=\"modify-colour\" style=\"color: #808080;\">Currently providing telephone appointments only<\/span><\/strong><\/em><\/p>\n<p><a href=\"tel:647-776-0485\" tabindex=\"-1\">647-776-0485<\/a>\u00a0or\u00a0<a href=\"tel:+18885278999\" tabindex=\"-1\">1-888-527-8999<\/a><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_3,1_3,1_3&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong><a href=\"https:\/\/nomoredebts.org\/canada-credit-counselling\/ontario\/waterloo\" tabindex=\"-1\">Kitchener-Waterloo<\/a><\/strong><br \/>\nSuite 300 \u2013 22 King Street South<br \/>\nWaterloo, ON N2J 1N8\u00a0<a href=\"https:\/\/www.google.com\/maps\/place\/Credit+Counselling+Society+Kitchener-Waterloo+%7C+Free+Debt+Help+and+Debt+Relief\/@43.4647032,-80.5245248,17z\/data=!3m1!4b1!4m6!3m5!1s0x882bf5fdf524f39f:0x6767325b4b1e725f!8m2!3d43.4646993!4d-80.5219499!16s%2Fg%2F11fmxyz2w4?entry=ttu\" target=\"_blank\" rel=\"noopener noreferrer\">view map<\/a><br \/>\n<em><strong><span id=\"modify-colour\" style=\"color: #808080;\">Currently providing telephone appointments only<\/span><\/strong><\/em><\/p>\n<p><a href=\"tel:905-538-5035\" tabindex=\"-1\">519-340-1013<\/a>\u00a0or\u00a0<a href=\"tel:+18885278999\" tabindex=\"-1\">1-888-527-8999<\/a><\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong><a href=\"https:\/\/nomoredebts.org\/canada-credit-counselling\/ontario\/hamilton\" tabindex=\"-1\">Hamilton<\/a><\/strong><br \/>\nSuite 906 \u2013 20 Hughson Street S<br \/>\nHamilton, ON\u00a0L8N 2A1\u00a0<a href=\"https:\/\/www.google.ca\/maps\/place\/Credit+Counselling+Society+Hamilton+%7C+Free+Debt+Help+and+Debt+Relief\/@43.2553319,-79.8710649,17z\/data=!3m1!4b1!4m6!3m5!1s0x882c9b9c91013697:0xdc124fb713dab8b6!8m2!3d43.255328!4d-79.86849!16s%2Fg%2F1hfckl13k?entry=ttu\" target=\"_blank\" rel=\"noopener noreferrer\" tabindex=\"-1\">view map<\/a><br \/>\n<em><strong><span id=\"modify-colour\" style=\"color: #808080;\">Currently providing telephone appointments only<\/span><\/strong><\/em><\/p>\n<p><a href=\"tel:905-538-5035\" tabindex=\"-1\">905-538-5035<\/a>\u00a0or\u00a0<a href=\"tel:+18885278999\" tabindex=\"-1\">1-888-527-8999<\/a><\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong><a href=\"https:\/\/nomoredebts.org\/canada-credit-counselling\/ontario\/london\" tabindex=\"-1\">London<\/a><\/strong><br \/>341 Talbot Street<br \/>London, ON N6A 2R5\u00a0<a href=\"https:\/\/www.google.com\/maps\/place\/Credit+Counselling+Society+London+%7C+Free+Debt+Help+and+Relief\/@42.9801701,-81.2666874,14z\/data=!4m5!3m4!1s0x0:0x24b4d7c6a51236e!8m2!3d42.9811124!4d-81.2511519?hl=en-US\" target=\"_blank\" rel=\"noopener noreferrer\" tabindex=\"-1\">view map<\/a><br \/>\n<em><strong><span id=\"modify-colour\" style=\"color: #808080;\">Currently providing telephone appointments only<\/span><\/strong><\/em><\/p>\n<p><a href=\"tel:519-286-0801\" tabindex=\"-1\">519-286-0801<\/a>\u00a0or\u00a0<a href=\"tel:+18885278999\" tabindex=\"-1\">1-888-527-8999<\/a><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; 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[et_pb_line_break_holder] -->          opacity:1;<!-- [et_pb_line_break_holder] -->        }<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      @-webkit-keyframes fadeIn {<!-- [et_pb_line_break_holder] -->        0% {<!-- [et_pb_line_break_holder] -->          opacity:0;<!-- [et_pb_line_break_holder] -->        }<!-- [et_pb_line_break_holder] -->        100% {<!-- [et_pb_line_break_holder] -->          opacity:1;<!-- [et_pb_line_break_holder] -->        }<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      @-o-keyframes fadeIn {<!-- [et_pb_line_break_holder] -->        0% {<!-- [et_pb_line_break_holder] -->          opacity:0;<!-- [et_pb_line_break_holder] -->        }<!-- [et_pb_line_break_holder] -->        100% {<!-- [et_pb_line_break_holder] -->          opacity:1;<!-- [et_pb_line_break_holder] -->        }<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      @-ms-keyframes fadeIn {<!-- [et_pb_line_break_holder] -->        0% {<!-- [et_pb_line_break_holder] -->          opacity:0;<!-- [et_pb_line_break_holder] -->        }<!-- [et_pb_line_break_holder] -->        100% {<!-- [et_pb_line_break_holder] -->          opacity:1;<!-- [et_pb_line_break_holder] -->      \t}<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->    <\/style>\n<p><!-- [et_pb_line_break_holder] -->    <!--[if lte IE 8]><!-- [et_pb_line_break_holder] -->    <script charset=\"utf-8\" type=\"text\/javascript\" src=\"\/\/js.hsforms.net\/forms\/v2-legacy.js\"><\/script><!-- [et_pb_line_break_holder] -->    <![endif]--><!-- [et_pb_line_break_holder] -->    <script charset=\"utf-8\" type=\"text\/javascript\" src=\"\/\/js.hsforms.net\/forms\/v2.js\"><\/script><!-- [et_pb_line_break_holder] --><\/head><!-- [et_pb_line_break_holder] --><body><!-- [et_pb_line_break_holder] -->    <\/p>\n<form action=\"sa-results.html\" method=\"GET\"><!-- [et_pb_line_break_holder] -->        <script><!-- [et_pb_line_break_holder] -->            function selectOnlyThis(id) {<!-- [et_pb_line_break_holder] -->                for (var i = 1;i <= 5; i++)<!-- [et_pb_line_break_holder] -->                {<!-- [et_pb_line_break_holder] -->                    document.getElementById(\"Check\" + i).checked = false;<!-- [et_pb_line_break_holder] -->                }<!-- [et_pb_line_break_holder] -->                document.getElementById(id).checked = true;<!-- [et_pb_line_break_holder] -->            }<!-- [et_pb_line_break_holder] -->            function selectOnlyThis5(id) {<!-- [et_pb_line_break_holder] -->                for (var i = 1;i <= 5; i++)<!-- [et_pb_line_break_holder] -->                {<!-- [et_pb_line_break_holder] -->                    document.getElementById(\"CheckA\" + i).checked = false;<!-- [et_pb_line_break_holder] -->                }<!-- [et_pb_line_break_holder] -->                document.getElementById(id).checked = true;<!-- [et_pb_line_break_holder] -->            }<!-- [et_pb_line_break_holder] -->            function selectOnlyThis6(id) {<!-- [et_pb_line_break_holder] -->                for (var i = 1;i <= 6; i++)<!-- [et_pb_line_break_holder] -->                {<!-- [et_pb_line_break_holder] -->                    document.getElementById(\"CheckB\" + i).checked = false;<!-- [et_pb_line_break_holder] -->                }<!-- [et_pb_line_break_holder] -->                document.getElementById(id).checked = true;<!-- [et_pb_line_break_holder] -->            }<!-- [et_pb_line_break_holder] -->        <\/script><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"questions\"><pee class=\"back-to-slide-one\" id=\"back-to-one\" hidden><a id=\"goback\" href=\"https:\/\/nomoredebts.org#back\"><span>Back to the questions<\/span><\/a><\/pee><!-- [et_pb_line_break_holder] -->          <\/p>\n<div class=\"slide-one-content\" id=\"slide-one\"><!-- [et_pb_line_break_holder] -->            <pee><span>1. What is your primary financial concern?<\/span><a name=\"1\"> <\/a><\/pee><!-- [et_pb_line_break_holder] -->                <\/p>\n<div class=\"indented-questions\" id=\"q1\"><!-- [et_pb_line_break_holder] -->                    <label for=\"question-1a\"><input type=\"checkbox\" id=\"Check1\" name=\"question\" value=\"1) Debts\" onclick=\"selectOnlyThis(this.id)\"><span>Addressing my debts<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-1b\"><input type=\"checkbox\" id=\"Check2\" name=\"question\" value=\"1) Budget\" onclick=\"selectOnlyThis(this.id)\"><span>Creating or reviewing my budget<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-1c\"><input type=\"checkbox\" id=\"Check3\" name=\"question\" value=\"1) Knowledge\" onclick=\"selectOnlyThis(this.id)\"><span>Improving my financial knowledge (how credit works, credit report, etc.)<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-1d\"><input type=\"checkbox\" id=\"Check4\" name=\"question\" value=\"1) Saving\" onclick=\"selectOnlyThis(this.id)\"><span>Saving for a specific goal, such as retirement, a vacation, or major purchase<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-1e\"><input type=\"checkbox\" id=\"Check5\" name=\"question\" value=\"1) Business\" onclick=\"selectOnlyThis(this.id)\"><span>Business-related issues (e.g. debt, operating losses, etc.)<\/span><\/label><!-- [et_pb_line_break_holder] -->                <\/div>\n<p><!-- [et_pb_line_break_holder] -->            <pee><span>2. Do you currently carry balances on any of the following? <em>(Check all that apply)<\/em><\/span><a name=\"2\"> <\/a><\/pee><!-- [et_pb_line_break_holder] -->                <\/p>\n<div class=\"indented-questions\" id=\"q2\"><!-- [et_pb_line_break_holder] -->                    <label for=\"question-2\"><input type=\"checkbox\" name=\"question\" id=\"Check6\" value=\"2) Unsecured Debt\"><span>Unsecured debts (e.g. credit cards, unsecured lines of credit or loans, payday loans)<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-2\"><input type=\"checkbox\" name=\"question\" id=\"Check7\" value=\"2) Secured Debt\"><span>Secured debts (e.g. mortgages or secured lines of credit, car loan)<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-2\"><input type=\"checkbox\" name=\"question\" id=\"Check8\" value=\"2) Payday Loans\"><span>Payday loans<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-2\"><input type=\"checkbox\" name=\"question\" id=\"Check9\" value=\"2) Government Debt\"><span>Government debts (e.g. taxes, student loans, EI)<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-2\"><input type=\"checkbox\" name=\"question\" id=\"Check10\" value=\"2) Service Provider Debt\"><span>Service providers (e.g. phone\/internet, utilities, gyms etc.)<\/span><\/label><!-- [et_pb_line_break_holder] -->                <\/div>\n<p><!-- [et_pb_line_break_holder] -->            <pee><span>3. Which of the following best describes you?<\/span><a name=\"3\"> <\/a><\/pee><!-- [et_pb_line_break_holder] -->                <\/p>\n<div class=\"indented-questions\" id=\"q3\"><!-- [et_pb_line_break_holder] -->                    <label for=\"question-3a\"><input type=\"checkbox\" id=\"CheckA1\" name=\"question\" value=\"3) No balances\" onclick=\"selectOnlyThis5(this.id)\"><span>I pay off my balances in full each month<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-3b\"><input type=\"checkbox\" id=\"CheckA2\" name=\"question\" value=\"3) Balances and good\" onclick=\"selectOnlyThis5(this.id)\"><span>I carry a balance but my debts are in \u201cgood standing\u201d<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-3c\"><input type=\"checkbox\" id=\"CheckA3\" name=\"question\" value=\"3) Balances and behind\" onclick=\"selectOnlyThis5(this.id)\"><span>I carry a balance and I am behind in my regular payments<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-3d\"><input type=\"checkbox\" id=\"CheckA4\" name=\"question\" value=\"3) Collection activities\" onclick=\"selectOnlyThis5(this.id)\"><span>I am receiving collection calls, letters, or threats to repossess assets<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-3e\"><input type=\"checkbox\" id=\"CheckA5\" name=\"question\" value=\"3) Being sued\" onclick=\"selectOnlyThis5(this.id)\"><span>I have been sued by one or more creditors<\/span><\/label><!-- [et_pb_line_break_holder] -->                <\/div>\n<p><!-- [et_pb_line_break_holder] -->          <pee><span>4. What is your household\u2019s primary source of income?<\/span><a name=\"how-we-can-help\">\u00a0<\/a><\/pee><!-- [et_pb_line_break_holder] -->                <\/p>\n<div class=\"indented-questions\" id=\"q4\"><!-- [et_pb_line_break_holder] -->                    <label for=\"question-4a\"><input type=\"checkbox\" id=\"CheckB1\" name=\"question\" value=\"4) No income\" onclick=\"selectOnlyThis6(this.id)\"><span>No income<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-4b\"><input type=\"checkbox\" id=\"CheckB2\" name=\"question\" value=\"4) Govt asstnc. or disability\" onclick=\"selectOnlyThis6(this.id)\"><span>Government Income Assistance and\/or disability programs (e.g. PWD, ODSP)<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-4c\"><input type=\"checkbox\" id=\"CheckB3\" name=\"question\" value=\"4) EI or government pension\" onclick=\"selectOnlyThis6(this.id)\"><span>EI or Government pensions (e.g. CPP\/OAS)<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-4d\"><input type=\"checkbox\" id=\"CheckB4\" name=\"question\" value=\"4) Employment\" onclick=\"selectOnlyThis6(this.id)\"><span>Employment<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-4e\"><input type=\"checkbox\" id=\"CheckB5\" name=\"question\" value=\"4) Self-employment\" onclick=\"selectOnlyThis6(this.id)\"><span>Self-Employment<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-4f\"><input type=\"checkbox\" id=\"CheckB6\" name=\"question\" value=\"4) Work pension\" onclick=\"selectOnlyThis6(this.id)\"><span>Work-based pensions<\/span><\/label><!-- [et_pb_line_break_holder] -->                <\/div>\n<p><!-- [et_pb_line_break_holder] -->                <\/p>\n<div> <\/div>\n<p><!-- [et_pb_line_break_holder] -->                <\/p>\n<div class=\"error-message-section\"><pee class=\"error-message\" id=\"errorMessage\" style=\"display:none\">First, please respond to the questions above<\/pee> <\/div>\n<p><!-- [et_pb_line_break_holder] -->                <!-- [et_pb_line_break_holder] -->                <\/p>\n<div class=\"button-section\"><!-- [et_pb_line_break_holder] -->                    <button type=\"button\" id=\"showResults\" class=\"button-style\" onclick=\"window.location.hash = 'how-we-can-help';\">Show How We Can Help<\/button><!-- [et_pb_line_break_holder] -->                <\/div>\n<\/div>\n<p><!-- [et_pb_line_break_holder] -->                <\/p>\n<div>\u00a0<\/div>\n<p><!-- [et_pb_line_break_holder] -->                <\/p>\n<div> <\/div>\n<p><!-- [et_pb_line_break_holder] -->                <\/p>\n<div id=\"reveal-section\"><!-- [et_pb_line_break_holder] -->                  <\/p>\n<h2 class=\"lines-to-reveal\" id=\"hidden-heading\" hidden><span>How We Can Help You<\/span><\/h2>\n<p><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-1_1\" style=\"display:none\"><span>Helping people resolve their debts is what we do best. We can help you assess your situation and review all your options to deal with your debts.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-1_2\" hidden><span>Budgeting is essential for healthy finances, and we can help you with this important step. Our licensed Counsellors can help you make sense of your income and expenses, and review ways to make changes. We also have <a href=\"https:\/\/nomoredebts.org\/budgeting\/budgeting-tips\">some fantastic budgeting tools and guides if you want to dive in right now<\/a> before meeting with one of our Counsellors.<\/span><\/pee><!-- [et_pb_line_break_holder] -->          <pee class=\"lines-to-reveal\" id=\"hidden-1_3\" hidden><span>The Credit Counselling Society provides financial education through free appointments with our licensed credit counsellors. We also offer free workshops, webinars, and have created an <a href=\"https:\/\/mymoneycoach.ca\/\" target=\"_blank\" rel=\"noopener\">educational website (mymoneycoach.ca)<\/a> with detailed information on many important financial topics.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-1_4\" hidden><span>There are a few pieces to consider when saving for a specific goal. The Credit Counselling Society can help with budgeting and savings tips, and you may also consider speaking with a financial planner.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-1_5\" hidden><span>If your business is struggling with debt, we may be able to help, depending on if the debt is personally guaranteed. If you\u2019re primarily looking for operations or planning assistance, a business advisor such as a consultant or accountant may be better able to help.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-2_1\" hidden><span>In regard to your unsecured debts, this kind of debt can vary widely in terms of interest, payments, and terms. The good news is, though, that you have multiple relief options available. However, it can be difficult to weigh the pros and cons of each one. We can help you review the details and proceed with the solution that\u2019s best for you.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-2_2\" hidden><span>For your secured debts, your options are more limited than with unsecured debts, due to the underlying asset (\u201csecurity\u201d). Nonetheless, we can help you explore those options and how they apply to your specific situation.<\/span><\/pee><!-- [et_pb_line_break_holder] -->          <pee class=\"lines-to-reveal\" id=\"hidden-2_3\" hidden><span>Regarding your payday loans, they can be challenging to repay without help due to the high interest rates and fees that are often charged. You may find yourself caught in a frustrating \u2018payday loan cycle\u2019 where you\u2019re borrowing money each month to pay the bill from the previous month ending up further behind than when you started. We can help you find options to break this cycle.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-2_4\" hidden><span>With respect to the money you owe the government, options can become very limited. Even insolvency options such as bankruptcy may not remove some government debts. We generally advise reaching out to the government entity whom you owe to try to arrange payments. We may be able to help you budget for this.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-2_5\" hidden><span>For the money you owe to service providers, the major factor is whether you want or need to continue with the service provided. If so, your only option is to contact the provider and try to arrange payments. If maintaining service is not necessary, you have more options and we can help you review them.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-3_1\" hidden><span>You indicate that you pay off your credit balances in full each month. Congratulations! Paying off your balances completely each month for credit cards, lines of credit, and other credit products is a sign of healthy finances. Many Canadians struggle to achieve this regularly. If you have concerns about meeting your future obligations, we\u2019re happy to provide some help.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-3_2\" hidden><span>If you are carrying a balance with your debts, this does not necessarily mean you&#8217;re struggling, but it may be an indication of financial difficulty. We can help you determine if a few adjustments are necessary, or if more significant action is suggested for your situation. We\u2019ll also help you to develop a plan you\u2019re happy with.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-3_3\" hidden><span>If you&#8217;re struggling with your payments and some end up being late or get missed, this is often a sign of financial distress. Through an appointment, we can help you to determine whether it is possible to catch up, or whether other options need to be explored to reduce your debt.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-3_4\" hidden><span>If you are receiving collections communication or repossession threats, the situation has become serious and increasingly time-sensitive. We highly recommend contacting us for help with this situation as soon as possible because your creditors are likely to take further action.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-3_5\" hidden><span>If creditors have initiated legal action, our ability to help becomes limited. You are welcome to call us for guidance but you\u2019re likely going to need legal assistance, which we cannot provide directly. We can connect you with the right professionals for your situation if this ends up being the case.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-4_1\" hidden><span>If you are currently without income, the top priority is covering your essential living expenses while trying to obtain income. We encourage you to focus on these essentials, and we\u2019re happy to assist you with understanding your financial options.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-4_2\" hidden><span>The income you receive from the government is intended for basic needs such as food and shelter, and therefore is protected from creditors. We can help you review your budget and consider your options with this type of income and\/or a mix of other income types.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-4_3\" hidden><span>The income provided by EI or government pensions can meet basic needs, but it might be a reduction from your previous income. We can help you to create or review your existing budget and identify some potential adjustments while providing guidance on any debts you may have.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-4_4\" hidden><span>Your type of income tends to yield more options to deal with debt compared to some other types. We can help you to understand your options, plan to improve your overall financial health, and answer any questions you may have.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-4_5\" hidden><span>In respect to your self-employment, this type of employment offers freedom and flexibility, but also poses unique challenges for managing your finances. We can help sole proprietors and non-corporate business owners through budgeting and debt solutions. We often advise corporate owners\/directors to contact a more specialized expert in corporate finance.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-4_6\" hidden><span>Your type of income tends to yield more options to deal with debt compared to some other types. We can help you to understand your options, plan to improve your overall financial health, and answer any questions you may have.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-cta\" hidden><span>If you&#8217;d like to speak with a certified credit counsellor right now, call us at <a href=\"tel:1-888-527-8999\"><strong>1-888-527-8999<\/strong><\/a> or fill out the form below to request a call back. We look forward to hearing from you.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                          <\/p>\n<div id=\"hidden-form\" hidden><!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t<script><!-- [et_pb_line_break_holder] -->                                var responses; \/* Needed to add data to HubSpot form at the end *\/<!-- [et_pb_line_break_holder] -->                      \t\t\t\t\tvar ClickCount = 0;<!-- [et_pb_line_break_holder] -->                      \t\t\t\t\tvar show_results = document.getElementById(\"showResults\");<!-- [et_pb_line_break_holder] -->                        jQuery( document ).ready(function( $ ) {<!-- [et_pb_line_break_holder] -->                            function displayResults() {<!-- [et_pb_line_break_holder] -->                                var checkBox1 = document.getElementById(\"Check1\");<!-- [et_pb_line_break_holder] -->                                var checkBox2 = document.getElementById(\"Check2\");<!-- 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                  \/\/Checks if Question 3 has a response<!-- [et_pb_line_break_holder] -->                                if (checkBox11.checked == true || checkBox12.checked == true || checkBox13.checked == true || checkBox14.checked == true || checkBox15.checked == true){<!-- [et_pb_line_break_holder] -->                                    Q3Complete = true;<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    Q3Complete = false;<!-- [et_pb_line_break_holder] -->                                  \twindow.location.hash = '2';<!-- [et_pb_line_break_holder] -->                                    $('#q3')<!-- [et_pb_line_break_holder] -->                                        .css({backgroundColor:\"#ff0101\"})<!-- [et_pb_line_break_holder] -->                                        .animate({backgroundColor:\"transparent\"}, 3000, null, <!-- [et_pb_line_break_holder] -->                                        function() { this.style.backgroundColor='transparent'; });<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                \/\/Checks if Question 4 has a response<!-- [et_pb_line_break_holder] -->                                if (checkBox16.checked == true || checkBox17.checked == true || checkBox18.checked == true || checkBox19.checked == true || checkBox20.checked == true || checkBox21.checked == true){<!-- [et_pb_line_break_holder] -->                                    Q4Complete = true;<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    Q4Complete = false;<!-- [et_pb_line_break_holder] -->                                  \twindow.location.hash = '3';<!-- [et_pb_line_break_holder] -->                                    \/\/$('#q4').css('background-color', 'red', 4000);<!-- [et_pb_line_break_holder] -->                                    \/\/$('#q4').animate({backgroundColor opacity: \"#ffffff\"}, \"slow\");<!-- [et_pb_line_break_holder] -->                                    $('#q4')<!-- [et_pb_line_break_holder] -->                                        .css({backgroundColor:\"#ff0101\"})<!-- [et_pb_line_break_holder] -->                                        .animate({backgroundColor:\"transparent\"}, 3000, null, <!-- [et_pb_line_break_holder] -->                                        function() { this.style.backgroundColor='transparent'; });<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                \/\/Checks if Question 2 has a response<!-- [et_pb_line_break_holder] -->                                if (checkBox6.checked == true || checkBox7.checked == true || checkBox8.checked == true || checkBox9.checked == true || checkBox10.checked == true){<!-- [et_pb_line_break_holder] -->                                    Q2Complete = true;<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    Q2Complete = false;<!-- [et_pb_line_break_holder] -->                                    if (Q3Complete == false || Q4Complete == false){<!-- [et_pb_line_break_holder] -->                                      \twindow.location.hash = '1';<!-- [et_pb_line_break_holder] -->                                        $('#q2')<!-- [et_pb_line_break_holder] -->                                            .css({backgroundColor:\"#ff0101\"})<!-- [et_pb_line_break_holder] -->                                            .animate({backgroundColor:\"transparent\"}, 3000, null, <!-- [et_pb_line_break_holder] -->                                            function() { this.style.backgroundColor='transparent'; });<!-- [et_pb_line_break_holder] -->                                    }<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->                                \/\/Checks that all manditory sections are complete<!-- [et_pb_line_break_holder] -->                                if (Q1Complete == false || Q3Complete == false || Q4Complete == false){<!-- [et_pb_line_break_holder] -->                                    FormComplete = false;<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    FormComplete = true;<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->                                var text1 = document.getElementById(\"hidden-1_1\");<!-- [et_pb_line_break_holder] -->                                if (checkBox1.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text1.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text1.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text2 = document.getElementById(\"hidden-1_2\");<!-- [et_pb_line_break_holder] -->                                if (checkBox2.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text2.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text2.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text3 = document.getElementById(\"hidden-1_3\");<!-- [et_pb_line_break_holder] -->                             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[et_pb_line_break_holder] -->                                var text5 = document.getElementById(\"hidden-1_5\");<!-- [et_pb_line_break_holder] -->                                if (checkBox5.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text5.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text5.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text6 = document.getElementById(\"hidden-2_1\");<!-- [et_pb_line_break_holder] -->                                if (checkBox6.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text6.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- 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document.getElementById(\"hidden-2_5\");<!-- [et_pb_line_break_holder] -->                                if (checkBox10.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text10.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text10.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text11 = document.getElementById(\"hidden-3_1\");<!-- [et_pb_line_break_holder] -->                                if (checkBox11.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text11.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text11.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text12 = document.getElementById(\"hidden-3_2\");<!-- [et_pb_line_break_holder] -->                                if (checkBox12.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text12.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text12.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text13 = document.getElementById(\"hidden-3_3\");<!-- [et_pb_line_break_holder] -->                                if (checkBox13.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text13.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text13.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text14 = document.getElementById(\"hidden-3_4\");<!-- [et_pb_line_break_holder] -->                                if (checkBox14.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text14.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text14.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text15 = document.getElementById(\"hidden-3_5\");<!-- [et_pb_line_break_holder] -->                                if (checkBox15.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text15.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text15.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text16 = document.getElementById(\"hidden-4_1\");<!-- [et_pb_line_break_holder] -->                                if (checkBox16.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text16.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text16.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text17 = document.getElementById(\"hidden-4_2\");<!-- [et_pb_line_break_holder] -->                                if (checkBox17.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text17.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text17.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text18 = document.getElementById(\"hidden-4_3\");<!-- [et_pb_line_break_holder] -->                                if (checkBox18.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text18.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text18.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text19 = document.getElementById(\"hidden-4_4\");<!-- [et_pb_line_break_holder] -->                                if (checkBox19.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text19.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text19.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text20 = document.getElementById(\"hidden-4_5\");<!-- [et_pb_line_break_holder] -->                                if (checkBox20.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text20.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text20.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text21 = document.getElementById(\"hidden-4_6\");<!-- [et_pb_line_break_holder] -->                                if (checkBox21.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text21.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text21.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                              \t\/\/Code for jumping back to slide one<!-- [et_pb_line_break_holder] -->                                var text101 = document.getElementById(\"slide-one\");<!-- [et_pb_line_break_holder] -->                                if (FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text101.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text101.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text102 = document.getElementById(\"back-to-one\");<!-- [et_pb_line_break_holder] -->                                if (FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text102.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text102.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var back_link = document.getElementById(\"goback\");<!-- [et_pb_line_break_holder] -->                                back_link.onclick = function() {<!-- [et_pb_line_break_holder] -->                                  text101.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                  return false;<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                              <!-- [et_pb_line_break_holder] -->                                \/\/Hides show results button after it's clicked<!-- [et_pb_line_break_holder] -->                                  if (FormComplete == true){<!-- [et_pb_line_break_holder] -->                                  back_link.scrollIntoView();<!-- [et_pb_line_break_holder] -->                                \t}<!-- [et_pb_line_break_holder] -->                              <!-- [et_pb_line_break_holder] -->                                \/\/Call to action<!-- [et_pb_line_break_holder] -->                                var text01 = document.getElementById(\"hidden-cta\");<!-- [et_pb_line_break_holder] -->                                var text02 = document.getElementById(\"hidden-form\");<!-- [et_pb_line_break_holder] -->                              \tvar text03 = document.getElementById(\"sa-hidden-form\");<!-- [et_pb_line_break_holder] -->                                if ((checkBox1.checked == true || checkBox2.checked == true || checkBox6.checked == true || checkBox7.checked == true || checkBox8.checked == true || checkBox10.checked == true || checkBox11.checked == true || checkBox12.checked == true || checkBox13.checked == true || checkBox14.checked == true || checkBox15.checked == true  || checkBox17.checked == true || checkBox18.checked == true || checkBox19.checked == true || checkBox20.checked == true || checkBox21.checked == true)  && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text01.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                    text02.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                  \ttext03.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text01.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                    text02.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                  \ttext03.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                \/\/ Hidden Header for last section & Error Message<!-- [et_pb_line_break_holder] -->                                var text0 = document.getElementById(\"hidden-heading\");<!-- [et_pb_line_break_holder] -->                                if (FormComplete == false){<!-- [et_pb_line_break_holder] -->                                    document.getElementById(\"errorMessage\").style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                    text0.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    document.getElementById(\"errorMessage\").style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                    text0.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                  \t\/\/Draws the eye to revealed text by putting new section in view then fading in text<!-- [et_pb_line_break_holder] -->                                  \twindow.location.hash = 'top-h2';<!-- [et_pb_line_break_holder] -->                                    $('#reveal-section')<!-- [et_pb_line_break_holder] -->                                        .css({backgroundColor:\"#5B25AF\"})<!-- [et_pb_line_break_holder] -->                                        .animate({backgroundColor:\"transparent\"}, 5000, null, <!-- [et_pb_line_break_holder] -->                                        function() { this.style.backgroundColor='transparent'; });<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                            }         <!-- [et_pb_line_break_holder] -->                          <!-- [et_pb_line_break_holder] -->                            \/\/Could use this in show results button: onclick=\"window.location.hash = 'how-we-can-help';\"<!-- [et_pb_line_break_holder] -->                          \t\/\/It then jumps to an achor link in question 4.<!-- [et_pb_line_break_holder] -->                           \t<!-- [et_pb_line_break_holder] -->                            \t\tvar show_r = document.getElementById(\"showResults\")<!-- [et_pb_line_break_holder] -->                            \t\tshow_r.onclick = function() {<!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\twindow.scrollBy(0, 400);<!-- [et_pb_line_break_holder] -->                            \t\t\t\treturn false;<!-- [et_pb_line_break_holder] -->                            \t\t}<!-- [et_pb_line_break_holder] -->                          <!-- [et_pb_line_break_holder] -->                            \/\/Put checkbox responses into an array to send to HubSpot<!-- [et_pb_line_break_holder] -->                              $(\"#showResults\").click(function(){<!-- [et_pb_line_break_holder] -->                                  displayResults();<!-- [et_pb_line_break_holder] -->                                \tClickCount = 1;<!-- [et_pb_line_break_holder] -->                                  var responseArray = [];<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] -->                                  $.each($(\"input[name='question']:checked\"), function(){<!-- [et_pb_line_break_holder] -->                                      responseArray.push($(this).val());<!-- [et_pb_line_break_holder] -->                                  });<!-- [et_pb_line_break_holder] -->                                  responses = responseArray.join(\", \");<!-- [et_pb_line_break_holder] -->                                            <!-- [et_pb_line_break_holder] -->                                  document.getElementsByName(\"responses_to_4_questions\").value = responses; <!-- [et_pb_line_break_holder] -->      <!-- [et_pb_line_break_holder] -->                                });<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->                        });<!-- [et_pb_line_break_holder] -->            <!-- [et_pb_line_break_holder] -->              \t\t\t\t<\/script><!-- [et_pb_line_break_holder] -->          \t\t\t\t\t<\/div>\n<p><!-- [et_pb_line_break_holder] -->                  \t<\/p>\n<div id=\"sa-hidden-form\" hidden><!-- [et_pb_line_break_holder] -->                     \t  <script><!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t\t\t\t\/* Creates HubSpot Form *\/<!-- [et_pb_line_break_holder] -->                        hbspt.forms.create({<!-- [et_pb_line_break_holder] -->                              region: \"na1\",<!-- [et_pb_line_break_holder] -->                              portalId: \"4092106\",<!-- [et_pb_line_break_holder] -->                              formId: \"d9adde1f-5ea2-4342-bbcd-34122da1b389\",<!-- [et_pb_line_break_holder] -->                                  onFormReady: function($form) {<!-- [et_pb_line_break_holder] -->                                  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                 \t<!-- [et_pb_line_break_holder] -->                                \t\/* console.log(\"checkForClick -> True\");<!-- [et_pb_line_break_holder] -->                                  console.log(responses); *\/<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->                           \t\t}      <!-- [et_pb_line_break_holder] -->                          }<!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t\t\t\t\tsetInterval(checkForClick, 5000);<!-- [et_pb_line_break_holder] -->                          <\/script><!-- [et_pb_line_break_holder] -->                  \t<\/div>\n<p><!-- [et_pb_line_break_holder] -->              <\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] -->    <\/form>\n<p><!-- [et_pb_line_break_holder] --><\/body><!-- [et_pb_line_break_holder] --><\/html>[\/et_pb_code][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; next_background_color=&#8221;#ffffff&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;_initial&#8221; background_color=&#8221;rgba(91,37,175,0.15)&#8221; use_background_color_gradient=&#8221;on&#8221; background_color_gradient_stops=&#8221;#e7dff3 0%|rgba(255,255,255,0.85) 100%&#8221; background_color_gradient_overlays_image=&#8221;on&#8221; background_color_gradient_start=&#8221;#e7dff3&#8243; background_color_gradient_end=&#8221;rgba(255,255,255,0.85)&#8221; background_image=&#8221;\/wp-content\/uploads\/2020\/04\/credit-counselling-society-tv-interview-7.jpg&#8221; background_position=&#8221;top_center&#8221; z_index=&#8221;0&#8243; custom_padding=&#8221;||170px|||&#8221; custom_padding_tablet=&#8221;||150px||false|false&#8221; custom_padding_phone=&#8221;||120px||false|false&#8221; bottom_divider_style=&#8221;curve2&#8243; bottom_divider_height=&#8221;100px&#8221; bottom_divider_height_tablet=&#8221;70px&#8221; bottom_divider_height_phone=&#8221;50px&#8221; bottom_divider_height_last_edited=&#8221;on|phone&#8221; background_last_edited=&#8221;on|tablet&#8221; background_enable_image_tablet=&#8221;off&#8221; background_size_tablet=&#8221;cover&#8221; background_position_tablet=&#8221;center_left&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; header_2_text_align=&#8221;center&#8221; custom_margin=&#8221;||16px|||&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>People We&#8217;ve Helped Interviewed on CTV News and Global TV<\/h2>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; text_orientation=&#8221;center&#8221; max_width=&#8221;1500px&#8221; animation_direction=&#8221;bottom&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>From time to time, the news media interviews some of the people we helped who are comfortable sharing their story publicly. Below are three Canadians who shared their experience with the Credit Counselling Society.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_3,1_3,1_3&#8243; make_equal=&#8221;on&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; max_width=&#8221;1500px&#8221; custom_padding=&#8221;||30px|||&#8221; use_custom_width=&#8221;on&#8221; custom_width_px=&#8221;1280px&#8221; global_colors_info=&#8221;{}&#8221; transform_styles__hover_enabled=&#8221;on|hover&#8221; transform_scale__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover_enabled=&#8221;on|hover&#8221; transform_rotate__hover_enabled=&#8221;on|desktop&#8221; transform_skew__hover_enabled=&#8221;on|desktop&#8221; transform_origin__hover_enabled=&#8221;on|desktop&#8221; custom_css_main_element_last_edited=&#8221;on|phone&#8221; custom_css_main_element_tablet=&#8221;  margin: auto;||  width: 50%;||&#8221; custom_css_main_element_phone=&#8221; &#8220;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#ffffff&#8221; transform_translate_linked__hover=&#8221;off&#8221; custom_padding=&#8221;0px|0px|0px|0px|false|false&#8221; animation_style=&#8221;zoom&#8221; animation_direction=&#8221;top&#8221; animation_intensity_zoom=&#8221;5%&#8221; custom_css_main_element=&#8221;max-width: 530px;&#8221; border_radii=&#8221;on|8px|8px|8px|8px&#8221; box_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221; background__hover_enabled=&#8221;off|desktop&#8221; background_enable_color__hover=&#8221;off&#8221; transform_styles__hover_enabled=&#8221;on|hover&#8221; transform_scale__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover_enabled=&#8221;on|hover&#8221; transform_rotate__hover_enabled=&#8221;on|desktop&#8221; transform_skew__hover_enabled=&#8221;on|desktop&#8221; transform_origin__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover=&#8221;0px|-10px&#8221;][et_pb_image src=&#8221;\/wp-content\/uploads\/2020\/09\/client-1.jpg&#8221; alt=&#8221;Global Tv Talks To Julia Fletcher&#8221; url=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/Global-TV-Kelowna-March-29-2012.mp4&#8243; url_new_window=&#8221;on&#8221; _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;_initial&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; header_3_text_align=&#8221;left&#8221; header_3_text_color=&#8221;rgba(0,0,0,0.8)&#8221; header_3_line_height=&#8221;1.3em&#8221; header_4_font=&#8221;|600|||||||&#8221; header_4_font_size=&#8221;22px&#8221; width=&#8221;80%&#8221; max_width=&#8221;80%&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||30px||false|false&#8221; global_colors_info=&#8221;{}&#8221; content__hover_enabled=&#8221;off|desktop&#8221; header_3_text_color__hover_enabled=&#8221;on|hover&#8221; header_3_text_color__hover=&#8221;#2ad13d&#8221;]Global TV talks to Julia Fletcher after she pays off $10,000 in debt with 0 interest negotiated by the Credit Counselling Society. <a href=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/Global-TV-Kelowna-March-29-2012.mp4\" target=\"_blank\" rel=\"noopener noreferrer\">Watch<\/a>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#ffffff&#8221; transform_scale_last_edited=&#8221;off|desktop&#8221; transform_translate_last_edited=&#8221;off|desktop&#8221; transform_translate_linked__hover=&#8221;off&#8221; transform_rotate_last_edited=&#8221;off|desktop&#8221; transform_skew_last_edited=&#8221;off|desktop&#8221; transform_origin_last_edited=&#8221;off|desktop&#8221; transform_styles_last_edited=&#8221;off|desktop&#8221; animation_style=&#8221;zoom&#8221; animation_direction=&#8221;top&#8221; animation_intensity_zoom=&#8221;5%&#8221; custom_css_main_element=&#8221;max-width: 530px;&#8221; border_radii=&#8221;on|8px|8px|8px|8px&#8221; box_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221; transform_styles__hover_enabled=&#8221;on|hover&#8221; transform_scale__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover_enabled=&#8221;on|hover&#8221; transform_rotate__hover_enabled=&#8221;on|desktop&#8221; transform_skew__hover_enabled=&#8221;on|desktop&#8221; transform_origin__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover=&#8221;0px|-10px&#8221;][et_pb_image src=&#8221;\/wp-content\/uploads\/2020\/09\/client-2_3.jpg&#8221; alt=&#8221;Ctv Reveals How Dan Robinson&#8221; url=&#8221;https:\/\/bc.ctvnews.ca\/help-to-pay-down-debt-1.597592&#8243; url_new_window=&#8221;on&#8221; _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;_initial&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_3_text_align=&#8221;left&#8221; header_3_text_color=&#8221;rgba(0,0,0,0.8)&#8221; header_3_line_height=&#8221;1.3em&#8221; header_4_font=&#8221;|600|||||||&#8221; header_4_font_size=&#8221;22px&#8221; width=&#8221;80%&#8221; max_width=&#8221;80%&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||30px||false|false&#8221; global_colors_info=&#8221;{}&#8221; content__hover_enabled=&#8221;off|desktop&#8221; header_3_text_color__hover_enabled=&#8221;on|hover&#8221; header_3_text_color__hover=&#8221;#2ad13d&#8221;]CTV reveals how Dan Robinson paid off $30,000 in debt interest free with help from the Credit Counselling Society. <a href=\"https:\/\/bc.ctvnews.ca\/help-to-pay-down-debt-1.597592\" target=\"_blank\" rel=\"noopener noreferrer\">See story<\/a><\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#ffffff&#8221; transform_translate_linked__hover=&#8221;off&#8221; custom_padding=&#8221;0px|0px|0px|0px|false|false&#8221; animation_style=&#8221;zoom&#8221; animation_direction=&#8221;top&#8221; animation_intensity_zoom=&#8221;5%&#8221; custom_css_main_element=&#8221;max-width: 530px;&#8221; border_radii=&#8221;on|8px|8px|8px|8px&#8221; box_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221; background__hover_enabled=&#8221;off|desktop&#8221; background_enable_color__hover=&#8221;off&#8221; transform_styles__hover_enabled=&#8221;on|hover&#8221; transform_scale__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover_enabled=&#8221;on|hover&#8221; transform_rotate__hover_enabled=&#8221;on|desktop&#8221; transform_skew__hover_enabled=&#8221;on|desktop&#8221; transform_origin__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover=&#8221;0px|-10px&#8221;][et_pb_image src=&#8221;\/wp-content\/uploads\/2020\/09\/client-4_3.jpg&#8221; alt=&#8221;Global Tv Speaks With Charis&#8221; url=&#8221;https:\/\/globalnews.ca\/video\/3334199\/drowning-in-debt&#8221; url_new_window=&#8221;on&#8221; _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;_initial&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; header_3_text_align=&#8221;left&#8221; header_3_text_color=&#8221;rgba(0,0,0,0.8)&#8221; header_3_line_height=&#8221;1.3em&#8221; header_4_font=&#8221;|600|||||||&#8221; header_4_font_size=&#8221;22px&#8221; width=&#8221;80%&#8221; max_width=&#8221;80%&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||30px||false|false&#8221; global_colors_info=&#8221;{}&#8221; content__hover_enabled=&#8221;off|desktop&#8221; header_3_text_color__hover_enabled=&#8221;on|hover&#8221; header_3_text_color__hover=&#8221;#2ad13d&#8221;]Global TV speaks with Charis who has nearly paid off $67,000 in debt on 13 credit cards with help from the Credit Counselling Society. <a href=\"https:\/\/globalnews.ca\/video\/3334199\/drowning-in-debt\" target=\"_blank\" rel=\"noopener noreferrer\">Watch<\/a>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||50px|||&#8221; animation_direction=&#8221;bottom&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; module_alignment=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p style=\"text-align: center;\">You can see <a href=\"https:\/\/nomoredebts.org\/press-media\">more of the Credit Counselling Society in the news<\/a>.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row admin_label=&#8221;Media Logos &#8211; Transparent Bar&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;rgba(42,209,61,0.7)&#8221; width=&#8221;100%&#8221; width_tablet=&#8221;100%&#8221; width_phone=&#8221;100%&#8221; width_last_edited=&#8221;on|phone&#8221; max_width=&#8221;100%&#8221; max_width_tablet=&#8221;100%&#8221; max_width_last_edited=&#8221;off|desktop&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;bottom&#8221; animation_intensity_slide=&#8221;5%&#8221; module_alignment_last_edited=&#8221;off|desktop&#8221; global_colors_info=&#8221;{}&#8221; custom_css_main_element__hover_enabled=&#8221;off|desktop&#8221; custom_css_main_element__hover=&#8221;transition: 0.9s;&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; background_enable_image=&#8221;off&#8221; background_size=&#8221;initial&#8221; hover_transition_duration=&#8221;500ms&#8221; hover_transition_speed_curve=&#8221;ease-in-out&#8221; global_colors_info=&#8221;{}&#8221; background__hover_enabled=&#8221;off|hover&#8221; background_enable_image__hover=&#8221;off&#8221; filter_opacity__hover_enabled=&#8221;off|hover&#8221; custom_css_main_element__hover_enabled=&#8221;off|hover&#8221;][et_pb_image src=&#8221;\/wp-content\/uploads\/2020\/09\/as-featured-in-media-logos-2.png&#8221; 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width=&#8221;90%&#8221; width_tablet=&#8221;90%&#8221; width_phone=&#8221;100%&#8221; width_last_edited=&#8221;on|desktop&#8221; max_width=&#8221;100%&#8221; max_width_tablet=&#8221;90%&#8221; max_width_last_edited=&#8221;off|phone&#8221; module_alignment=&#8221;center&#8221; filter_opacity=&#8221;0%&#8221; hover_transition_duration=&#8221;500ms&#8221; hover_transition_speed_curve=&#8221;ease-in-out&#8221; global_colors_info=&#8221;{}&#8221; filter_opacity__hover_enabled=&#8221;on|desktop&#8221; filter_opacity__hover=&#8221;100%&#8221; src__hover_enabled=&#8221;off|desktop&#8221;][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;_initial&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; width=&#8221;60%&#8221; width_tablet=&#8221;80%&#8221; width_phone=&#8221;80%&#8221; width_last_edited=&#8221;on|tablet&#8221; max_width_tablet=&#8221;100%&#8221; max_width_phone=&#8221;100%&#8221; max_width_last_edited=&#8221;on|desktop&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Providing Free Consumer Credit &#038; Debt Counselling Services for Almost 30 Years<\/h2>\n<p>We\u2019ve provided non-profit consumer credit counselling since 1996. Approximately 95% of the people who contact us are helped for free. The only time someone pays for our services is if they decide to sign up for a Debt Management Program (DMP) \u2013 a highly effective debt relief program, referred to as an Ontario Debt Relief Program by some people.<\/p>\n<h3>Why Our Approach Works<\/h3>\n<p>We believe the best debt consolidation options in Ontario are those that allow individuals to regain control over their finances while setting them up for long-term success. Unlike commission-driven debt advisors or credit consultants, our counsellors focus on providing the most beneficial options for your unique situation. That\u2019s why our staff is salary-based and never earns commission. We\u2019re here to help, not profit from your challenges.[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; prev_background_color=&#8221;#ffffff&#8221; next_background_color=&#8221;#ffffff&#8221; admin_label=&#8221;Testimonial&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;_initial&#8221; background_image=&#8221;\/wp-content\/uploads\/2020\/07\/Charis-testimonial_1colm.jpg&#8221; background_position=&#8221;top_left&#8221; transform_scale_last_edited=&#8221;off|phone&#8221; transform_translate_last_edited=&#8221;off|phone&#8221; transform_rotate_last_edited=&#8221;off|phone&#8221; transform_skew_last_edited=&#8221;off|phone&#8221; transform_origin_last_edited=&#8221;off|phone&#8221; transform_styles_last_edited=&#8221;off|phone&#8221; z_index=&#8221;-10&#8243; height=&#8221;750px&#8221; custom_padding=&#8221;0px||0px||false|false&#8221; top_divider_style=&#8221;wave2&#8243; top_divider_arrangement=&#8221;above_content&#8221; 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custom_padding_last_edited=&#8221;on|tablet&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;right&#8221; animation_intensity_slide=&#8221;2%&#8221; transform_styles_tablet=&#8221;&#8221; transform_styles_phone=&#8221;&#8221; border_color_all=&#8221;#000000&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;Title&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;|700|||||||&#8221; text_text_color=&#8221;rgba(255,255,255,0.9)&#8221; text_font_size=&#8221;30px&#8221; text_line_height=&#8221;1.2em&#8221; header_font=&#8221;||||||||&#8221; header_text_color=&#8221;#ffffff&#8221; header_2_font=&#8221;|700||on|||||&#8221; header_2_font_size=&#8221;42px&#8221; header_2_line_height=&#8221;1.3em&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; z_index=&#8221;1&#8243; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; max_width=&#8221;75%&#8221; max_width_tablet=&#8221;80%&#8221; max_width_phone=&#8221;90%&#8221; max_width_last_edited=&#8221;on|phone&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;-15px||||false|false&#8221; animation_direction=&#8221;bottom&#8221; text_text_shadow_style=&#8221;preset2&#8243; inline_fonts=&#8221;Work Sans&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p style=\"text-align: left;\">There&#8217;s a Way Out of Debt with Help<\/p>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;Subtitle&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; text_text_color=&#8221;#ffffff&#8221; text_font_size=&#8221;18px&#8221; text_line_height=&#8221;1.6em&#8221; header_font=&#8221;||||||||&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; z_index=&#8221;1&#8243; text_orientation=&#8221;center&#8221; max_width=&#8221;75%&#8221; max_width_tablet=&#8221;80%&#8221; max_width_phone=&#8221;90%&#8221; max_width_last_edited=&#8221;on|desktop&#8221; module_alignment=&#8221;center&#8221; min_height=&#8221;80px&#8221; custom_margin=&#8221;-15px||30px||false|false&#8221; animation_direction=&#8221;bottom&#8221; text_text_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p style=\"text-align: left;\">&#8220;I had just come to the point where I had given up hope \u2013 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.&#8221;<\/p>\n<p style=\"text-align: left;\">&#8211; Charis<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;_initial&#8221; z_index=&#8221;10&#8243; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text ol_position=&#8221;outside&#8221; ol_item_indent=&#8221;20px&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||||false|false&#8221; custom_margin_tablet=&#8221;&#8221; custom_margin_phone=&#8221;-30px||||false|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>What to Expect When You Work With Us<\/h2>\n<ol>\n<li><strong>Share Your Story<\/strong>: Your journey starts with a free, confidential appointment. Our caring credit counsellors will listen to your concerns without judgment and help you understand your options.<\/li>\n<li><strong>Get a Personalized Plan<\/strong>: We\u2019ll work together to create a realistic debt solution that fits your lifestyle. Whether it\u2019s a Debt Management Program, budgeting tips, or referrals to other resources, you\u2019ll have a clear path forward.<\/li>\n<li><strong>Move Toward Financial Freedom<\/strong>: Feel the relief of taking control of your finances. With ongoing support, you&#8217;ll gain the tools and confidence to achieve lasting financial health.<\/li>\n<\/ol>\n<h3>More Information About Us &amp; How We Approach Things<\/h3>\n<p>We&#8217;ve provided non-profit consumer credit counselling since 1996. Usually around 95% of people who contact us are typically helped for free. The only time someone pays for our services is if they decide to go onto our &#8220;Ontario debt relief program.&#8221;<\/p>\n<p>This consolidates all of someone\u2019s credit card and other unsecured debt payments into one affordable monthly payment that has significantly reduced or 0% interest. This program protects peoples\u2019 privacy, allows them to restore their credit, eliminates their debt, and gets their finances back on track as quickly as possible. It&#8217;s just one of many tools we have to help people.<\/p>\n<p>We believe that the best debt consolidation <strange>in Ontario<\/strange> or debt help <strange>in Ontario<\/strange> is an option that allows someone to get back on track as quickly as possible while helping them achieve their long-term financial goals.<\/p>\n<p>Our approach is at odds with the way some commission driven financial counsellors, debt advisors, credit consultants, and credit advisors out there operate, but we believe that when someone is struggling financially, they need to consider all their options and focus on what will help them the most in the long run.<\/p>\n<p>For this reason we don&#8217;t pay our staff commission \u2013 only a salary. To hold our organization to the highest standards possible we have joined, been audited by, and are accountable to the <a href=\"https:\/\/nomoredebts.org\/about-us\/accredited-credit-counselling\">National Foundation for Credit Counseling<\/a> and <a href=\"https:\/\/creditcounsellingcanada.ca\/\" target=\"_blank\" rel=\"noopener noreferrer\">Credit Counselling Canada<\/a>. We report to a <a href=\"https:\/\/nomoredebts.org\/about-us\/credit-counselling-society\/ccs-board-of-directors\">volunteer board of directors<\/a>,\u00a0 are accountable to the Canada Revenue Agency, and are the only organization in our industry to open up our books to an external auditor every year.<\/p>\n<p>To benefit from one of our highly trained credit and debt counsellors reviewing your financial circumstances and working with you to identify your choices for getting things back on track, give us a call now at <a href=\"tel:1-888-527-8999\">1-888-527-8999<\/a>. Our help is free, confidential, and non-judgmental. The only thing you&#8217;ve got to lose is your debt.<\/p>\n<p>The <a href=\"https:\/\/twitter.com\/nomoredebts_org\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: #666;\">Credit Counselling Society<\/span><\/a> also provides <a href=\"https:\/\/nomoredebts.org\/bankruptcy-canada\/ontario\"> alternatives to bankruptcy in Ontario<\/a>.<\/p>\n<p>&nbsp;<\/p>\nLast Updated on June 17, 2025 \n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; prev_background_color=&#8221;#ffffff&#8221; admin_label=&#8221;CTA &#8211; Need some help?&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;_initial&#8221; background_image=&#8221;\/wp-content\/uploads\/2020\/04\/man-calling-for-help-from-home-4.jpg&#8221; background_position=&#8221;top_center&#8221; height=&#8221;750px&#8221; top_divider_style=&#8221;wave2&#8243; top_divider_arrangement=&#8221;above_content&#8221; top_divider_height_tablet=&#8221;70px&#8221; top_divider_height_phone=&#8221;&#8221; 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_module_preset=&#8221;default&#8221; text_font=&#8221;|700|||||||&#8221; text_text_color=&#8221;rgba(255,255,255,0.9)&#8221; text_font_size=&#8221;30px&#8221; text_line_height=&#8221;1em&#8221; text_orientation=&#8221;center&#8221; max_width=&#8221;90%&#8221; max_width_tablet=&#8221;80%&#8221; max_width_phone=&#8221;90%&#8221; max_width_last_edited=&#8221;on|desktop&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;-15px||||false|false&#8221; text_text_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Get Relief From Your Stress &#038;  Debt Today<\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; text_text_color=&#8221;#ffffff&#8221; text_font_size=&#8221;18px&#8221; text_line_height=&#8221;1.6em&#8221; text_orientation=&#8221;center&#8221; max_width=&#8221;75%&#8221; max_width_tablet=&#8221;80%&#8221; max_width_phone=&#8221;90%&#8221; max_width_last_edited=&#8221;on|phone&#8221; module_alignment=&#8221;center&#8221; 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Our Learning Hub offers free, self-paced online courses designed to help you master budgeting, credit, debt management, and more. Whether you&#8217;re just getting started or looking to sharpen your financial skills, our easy-to-follow lessons and practical tools will guide you every step of the way. Start learning today and gain the confidence to make smarter financial decisions for a stronger tomorrow.<\/p>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;https:\/\/nomoredebts.org\/financial-education\/online-courses&#8221; url_new_window=&#8221;on&#8221; button_text=&#8221;Get Started&#8221; button_alignment=&#8221;center&#8221; _builder_version=&#8221;4.27.4&#8243; custom_margin=&#8221;||50px||false|false&#8221; custom_padding_tablet=&#8221;||||false|false&#8221; custom_padding_phone=&#8221;&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_button][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;|95px||95px|false|false&#8221; custom_padding_tablet=&#8221;|95px||95px|false|false&#8221; custom_padding_phone=&#8221;|40px||40px|false|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; custom_css_main_element=&#8221;margin: auto;&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;Header&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_3_text_color=&#8221;#666666&#8243; text_orientation=&#8221;center&#8221; custom_margin=&#8221;||15px||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>Learning Hub Reviews<\/h3>\n<p>[\/et_pb_text][et_pb_icon font_icon=&#8221;&#xe033;||divi||400&#8243; icon_width=&#8221;40px&#8221; admin_label=&#8221;Star&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; positioning=&#8221;relative&#8221; custom_margin=&#8221;|0px||0px|false|false&#8221; custom_padding=&#8221;|0px||0px|false|false&#8221; custom_css_main_element=&#8221;float: right;&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_icon][et_pb_icon font_icon=&#8221;&#xe033;||divi||400&#8243; icon_width=&#8221;40px&#8221; admin_label=&#8221;Star&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; positioning=&#8221;relative&#8221; custom_margin=&#8221;|0px||0px|false|false&#8221; custom_padding=&#8221;|5px||0px|false|false&#8221; custom_css_main_element=&#8221;float: right;&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_icon][et_pb_icon font_icon=&#8221;&#xe033;||divi||400&#8243; icon_width=&#8221;40px&#8221; admin_label=&#8221;Star&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; positioning=&#8221;relative&#8221; custom_margin=&#8221;|0px||0px|false|false&#8221; custom_padding=&#8221;|5px||0px|false|false&#8221; custom_css_main_element=&#8221;float: right;&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_icon][et_pb_icon font_icon=&#8221;&#xe033;||divi||400&#8243; icon_width=&#8221;40px&#8221; admin_label=&#8221;Star&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; positioning=&#8221;relative&#8221; custom_margin=&#8221;|0px||0px|false|false&#8221; custom_padding=&#8221;|5px||0px|false|false&#8221; custom_css_main_element=&#8221;float: right;&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_icon][et_pb_icon font_icon=&#8221;&#xe033;||divi||400&#8243; icon_width=&#8221;40px&#8221; admin_label=&#8221;Star&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; positioning=&#8221;relative&#8221; custom_margin=&#8221;|0px||0px|false|false&#8221; custom_padding=&#8221;|5px||0px|false|false&#8221; custom_css_main_element=&#8221;float: right;&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_icon][et_pb_text admin_label=&#8221;Average Score&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_text_color=&#8221;#5B25AF&#8221; text_font_size=&#8221;40px&#8221; positioning=&#8221;relative&#8221; custom_margin=&#8221;|0px||0px|false|false&#8221; custom_padding=&#8221;13px|10px||20px|false|false&#8221; custom_css_main_element=&#8221;float: left;&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]4.9[\/et_pb_text][et_pb_text admin_label=&#8221;Number of Reviews&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; positioning=&#8221;relative&#8221; text_orientation=&#8221;center&#8221; width=&#8221;100%&#8221; custom_padding=&#8221;75px||||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Based on 72 reviews<\/p>\n<p>[\/et_pb_text][et_pb_code admin_label=&#8221;Rich Snippet Code&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<script type=\"application\/ld+json\">\r\n{\r\n  \"@context\": \"https:\/\/schema.org\",\r\n  \"@type\": \"WebApplication\",\r\n  \"name\": \"Credit Counselling Society\",\r\n  \"applicationCategory\": \"FinanceApplication\",\r\n  \"applicationSubCategory\": \"Credit\",\r\n  \"description\": \"The Credit Counselling Society Learning Hub web application provides financial wellness education through a variety of short courses. The idea is to help consumers navigate a path forward through their current challenges and learn financial strategies to do better with their finances.\",\r\n  \"operatingSystem\": \"All\",\r\n  \"browserRequirements\": \"Requires Javascript. 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\"name\": \"Credit Counselling Society\",\r\n    \"url\": \"https:\/\/nomoredebts.org\/\"\r\n  },\r\n  \"publisher\": {\r\n    \"@type\": \"Organization\",\r\n    \"name\": \"Credit Counselling Society\",\r\n    \"url\": \"https:\/\/nomoredebts.org\/\"\r\n  }\r\n}\r\n<\/script>[\/et_pb_code][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; admin_label=&#8221;Accredited by Logos Section&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;_initial&#8221; background_enable_color=&#8221;off&#8221; use_background_color_gradient=&#8221;on&#8221; background_color_gradient_stops=&#8221;#e7dff3 0%|#e7dff3 100%&#8221; background_color_gradient_start=&#8221;#e7dff3&#8243; background_color_gradient_end=&#8221;#e7dff3&#8243; z_index=&#8221;0&#8243; min_height=&#8221;310px&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;60px||60px||false|false&#8221; custom_padding_tablet=&#8221;||60px||false|false&#8221; custom_padding_phone=&#8221;0px||||false|false&#8221; top_divider_color=&#8221;#dff8e2&#8243; top_divider_flip=&#8221;horizontal|vertical&#8221; top_divider_height_tablet=&#8221;&#8221; top_divider_height_phone=&#8221;&#8221; top_divider_height_last_edited=&#8221;on|phone&#8221; bottom_divider_height_tablet=&#8221;&#8221; bottom_divider_height_phone=&#8221;50px&#8221; bottom_divider_height_last_edited=&#8221;on|desktop&#8221; animation_direction=&#8221;top&#8221; custom_css_main_element=&#8221;z-index: 20!important;&#8221; da_disable_devices=&#8221;off|off|off&#8221; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221; locked=&#8221;off&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;50px|||||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_toggle title=&#8221;Ontario Communities We Serve&#8221; open_toggle_background_color=&#8221;#E7DFF3&#8243; closed_toggle_background_color=&#8221;#E7DFF3&#8243; _builder_version=&#8221;4.19.5&#8243; _module_preset=&#8221;default&#8221; title_text_color=&#8221;#666666&#8243; title_text_align=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span style=\"font-size: 12px; color: #999999;\"><a href=\"\/canada-credit-counselling\/ontario\/greater-toronto-area\" style=\"color: #999999;\"><strong>Greater Toronto Area (GTA)<\/strong><\/a><\/span><\/p>\n<p><span style=\"font-size: 12px; color: #999999;\"><a href=\"\/canada-credit-counselling\/ontario\/toronto\" style=\"color: #999999;\">Toronto<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/scarborough\" style=\"color: #999999;\">Scarborough<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/north-york\" style=\"color: #999999;\">North York<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/etobicoke\" style=\"color: #999999;\">Etobicoke<\/a><\/span><\/p>\n<p><span style=\"font-size: 12px; color: #999999;\"><a href=\"\/canada-credit-counselling\/ontario\/region-of-peel\" style=\"color: #999999;\"><strong>Region of Peel<\/strong><\/a><\/span><\/p>\n<p><span style=\"font-size: 12px; color: #999999;\"><a href=\"\/canada-credit-counselling\/ontario\/mississauga\" style=\"color: #999999;\">Mississauga<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/brampton\" style=\"color: #999999;\">Brampton<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/caledon\" style=\"color: #999999;\">Caledon <\/a><\/span><\/p>\n<p><span style=\"font-size: 12px; color: #999999;\"><a href=\"\/canada-credit-counselling\/ontario\/york-region\" style=\"color: #999999;\"><strong>York Region<\/strong><\/a><\/span><\/p>\n<p><span style=\"font-size: 12px; color: #999999;\"><a href=\"\/canada-credit-counselling\/ontario\/vaughan\" style=\"color: #999999;\">Vaughan<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/thornhill\" style=\"color: #999999;\">Thornhill<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/richmond-hill\" style=\"color: #999999;\">Richmond Hill<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/markham\" style=\"color: #999999;\">Markham<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/aurora\" style=\"color: #999999;\">Aurora<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/newmarket\" style=\"color: #999999;\">Newmarket<\/a> | King | <a href=\"\/canada-credit-counselling\/ontario\/stouffville\" style=\"color: #999999;\">Stouffville<\/a> | <a href=\"https:\/\/nomoredebts.org\/canada-credit-counselling\/ontario\/whitchurch-stouffville\" style=\"color: #999999;\">Whitchurch-Stouffville<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/east-gwillimbury\" style=\"color: #999999;\">East Gwillimbury<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/georgina\" style=\"color: #999999;\">Georgina<\/a><\/span><\/p>\n<p><span style=\"font-size: 12px; color: #999999;\"><a href=\"\/canada-credit-counselling\/ontario\/durham-region\" style=\"color: #999999;\"><strong>Durham Region<\/strong><\/a><\/span><\/p>\n<p><span style=\"font-size: 12px;\"><span style=\"color: #999999;\"><a href=\"\/canada-credit-counselling\/ontario\/pickering\" style=\"color: #999999;\">Pickering<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/ajax\" style=\"color: #999999;\">Ajax<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/whitby\" style=\"color: #999999;\">Whitby<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/oshawa\" style=\"color: #999999;\">Oshawa<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/uxbridge\" style=\"color: #999999;\">Uxbridge<\/a> | Scugog | Brock | <\/span><a href=\"\/canada-credit-counselling\/ontario\/clarington\"><span style=\"color: #a9a9a9;\"><span style=\"color: #999999;\">Clarington<\/span> <\/span><\/a><\/span><\/p>\n<p><span style=\"font-size: 12px;\"><a href=\"\/canada-credit-counselling\/ontario\/halton-region\"><span style=\"color: #a9a9a9;\"><strong>Halton Region<\/strong><\/span><\/a><\/span><\/p>\n<p><span style=\"font-size: 12px;\"><a href=\"\/canada-credit-counselling\/ontario\/oakville\"><span style=\"color: #a9a9a9;\"><span style=\"color: #999999;\">Oakville<\/span><\/span><\/a><span style=\"color: #999999;\"> | <a href=\"\/canada-credit-counselling\/ontario\/milton\" style=\"color: #999999;\">Milton<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/burlington\" style=\"color: #999999;\">Burlington<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/georgetown\" style=\"color: #999999;\">Georgetown<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/halton-hills\" style=\"color: #999999;\">Halton Hills<\/a> <\/span><\/span><\/p>\n<p style=\"color: #959595;\"><span style=\"font-size: 12px;\"><span style=\"color: #999999;\"><a href=\"\/canada-credit-counselling\/ontario\/ottawa\" style=\"color: #999999;\">Ottawa<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/hamilton\" style=\"color: #999999;\">Hamilton<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/london\" style=\"color: #999999;\">London<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/kitchener\" style=\"color: #999999;\">Kitchener<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/guelph\" style=\"color: #999999;\">Guelph<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/waterloo\" style=\"color: #999999;\">Waterloo<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/cambridge\" style=\"color: #999999;\">Cambridge<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/kingston\" style=\"color: #999999;\">Kingston<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/thunder-bay\" style=\"color: #999999;\">Thunder Bay<\/a> |<a href=\"\/canada-credit-counselling\/ontario\/kanata\" style=\"color: #999999;\"> Kanata<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/brantford\" style=\"color: #999999;\">Brantford<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/barrie\" style=\"color: #999999;\">Barrie<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/sault-ste-marie\" style=\"color: #999999;\">Sault Ste Marie<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/north-bay\" style=\"color: #999999;\">North Bay<\/a> | <a href=\"https:\/\/nomoredebts.org\/canada-credit-counselling\/ontario\/peterborough\" style=\"color: #999999;\">Peterborough<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/cornwall\" style=\"color: #999999;\">Cornwall<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/chatham\" style=\"color: #999999;\">Chatham<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/chatham-kent\" style=\"color: #999999;\">Chatham-Kent<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/bowmanville\" style=\"color: #999999;\">Bowmanville<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/st-thomas\" style=\"color: #999999;\">St. Thomas<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/woodstock\" style=\"color: #999999;\">Woodstock<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/midland\" style=\"color: #999999;\">Midland<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/leamington\" style=\"color: #999999;\">Leamington<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/stratford\" style=\"color: #999999;\">Stratford<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/orangeville\" style=\"color: #999999;\">Orangeville<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/timmins\" style=\"color: #999999;\">Timmins<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/orillia\" style=\"color: #999999;\">Orillia<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/bradford-west-gwillimbury\" style=\"color: #999999;\">Bradford West Gwillimbury<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/keswick\" style=\"color: #999999;\">Keswick<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/owen-sound\" style=\"color: #999999;\">Owen Sound<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/valley-east\" style=\"color: #999999;\">Valley East<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/lindsay\" style=\"color: #999999;\">Lindsay<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/fergus\" style=\"color: #999999;\">Fergus<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/cobourg\" style=\"color: #999999;\">Cobourg<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/collingwood\" style=\"color: #999999;\">Collingwood<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/pembroke\" style=\"color: #999999;\">Pembroke<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/petawawa\" style=\"color: #999999;\">Petawawa<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/port-hope\" style=\"color: #999999;\">Port Hope<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/alliston\" style=\"color: #999999;\">Alliston<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/tillsonburg\" style=\"color: #999999;\">Tillsonburg<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/simcoe\" style=\"color: #999999;\">Simcoe<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/strathroy\" style=\"color: #999999;\">Strathroy<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/amherstburg\" style=\"color: #999999;\">Amherstburg<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/ingersoll\" style=\"color: #999999;\">Ingersoll<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/new-hamburg\" style=\"color: #999999;\">New Hamburg<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/paris\" style=\"color: #999999;\">Paris<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/kenora\" style=\"color: #999999;\">Kenora<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/elliot-lake\" style=\"color: #999999;\">Elliot Lake<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/rockland\" style=\"color: #999999;\">Rockland<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/wasaga-beach\" style=\"color: #999999;\">Wasaga Beach<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/beamsville\" style=\"color: #999999;\">Beamsville<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/wallaceburg\" style=\"color: #999999;\">Wallaceburg<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/arnprior\" style=\"color: #999999;\">Arnprior<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/carleton-place\" style=\"color: #999999;\">Carleton Place<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/caledonia\" style=\"color: #999999;\">Caledonia<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/haileybury\" style=\"color: #999999;\">Haileybury<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/elmira\" style=\"color: #999999;\">Elmira<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/acton\" style=\"color: #999999;\">Acton<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/smiths-falls\" style=\"color: #999999;\">Smiths Falls<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/hawkesbury\" style=\"color: #999999;\">Hawkesbury<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/port-perry\" style=\"color: #999999;\">Port Perry<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/bracebridge\" style=\"color: #999999;\">Bracebridge<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/renfrew\" style=\"color: #999999;\">Renfrew<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/fort-frances\" style=\"color: #999999;\">Fort Frances<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/kapuskasing\" style=\"color: #999999;\">Kapuskasing<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/port-elgin\" style=\"color: #999999;\">Port Elgin<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/goderich\" style=\"color: #999999;\">Goderich<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/hanover\" style=\"color: #999999;\">Hanover<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/crystal-beach\" style=\"color: #999999;\">Crystal Beach<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/kirkland-lake\" style=\"color: #999999;\">Kirkland Lake<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/aylmer\" style=\"color: #999999;\">Aylmer<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/napanee\" style=\"color: #999999;\">Napanee<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/huntsville\" style=\"color: #999999;\">Huntsville<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/porcupine\" style=\"color: #999999;\">Porcupine<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/essex\" style=\"color: #999999;\">Essex<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/lively\" style=\"color: #999999;\">Lively<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/listowel\" style=\"color: #999999;\">Listowel<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/kincardine\" style=\"color: #999999;\">Kincardine<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/sturgeon-falls\" style=\"color: #999999;\">Sturgeon Falls<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/st-marys\" style=\"color: #999999;\">St. Marys<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/port-dover\" style=\"color: #999999;\">Port Dover<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/embrun\" style=\"color: #999999;\">Embrun<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/dryden\" style=\"color: #999999;\">Dryden<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/perth\" style=\"color: #999999;\">Perth<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/bolton\" style=\"color: #999999;\">Bolton<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/bradford\" style=\"color: #999999;\">Bradford<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/grimsby\" style=\"color: #999999;\">Grimsby<\/a> | <a href=\"https:\/\/nomoredebts.org\/canada-credit-counselling\/ontario\/windsor\" style=\"color: #999999;\">Windsor<\/a> | <a href=\"https:\/\/nomoredebts.org\/canada-credit-counselling\/ontario\/sarnia\" style=\"color: #999999;\">Sarnia<\/a> | <a href=\"https:\/\/nomoredebts.org\/canada-credit-counselling\/ontario\/belleville\" style=\"color: #999999;\">Belleville<\/a> | <a href=\"https:\/\/nomoredebts.org\/canada-credit-counselling\/ontario\/brockville\" style=\"color: #999999;\">Brockville<\/a> | <a href=\"https:\/\/nomoredebts.org\/canada-credit-counselling\/ontario\/st-catharines\"><span style=\"color: #999999;\">St. Catharines<\/span><\/a> | <a href=\"https:\/\/nomoredebts.org\/canada-credit-counselling\/ontario\/niagara-falls\" style=\"color: #999999;\">Niagara Falls<\/a> | <a href=\"https:\/\/nomoredebts.org\/canada-credit-counselling\/ontario\/welland\" style=\"color: #999999;\">Welland<\/a> | <a href=\"\/canada-credit-counselling\/ontario\/fort-erie\" style=\"color: #999999;\">Fort Erie<\/a> | <a href=\"https:\/\/nomoredebts.org\/canada-credit-counselling\/ontario\/port-colborne\" style=\"color: #999999;\">Port Colborne<\/a><\/span><br \/><\/span><\/p>\n<p>[\/et_pb_toggle][\/et_pb_column][\/et_pb_row][et_pb_row custom_padding_last_edited=&#8221;on|phone&#8221; module_id=&#8221;response-div&#8221; _builder_version=&#8221;4.14.7&#8243; _module_preset=&#8221;default&#8221; min_height=&#8221;150px&#8221; custom_padding=&#8221;50px||||false|false&#8221; 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[et_pb_line_break_holder] -->\t\t\tmargin: auto;<!-- [et_pb_line_break_holder] -->      text-align: center;<!-- [et_pb_line_break_holder] -->      width: 400px;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    textarea[type=text], select, textarea {<!-- [et_pb_line_break_holder] -->      border: 6px #black;<!-- [et_pb_line_break_holder] -->      border-radius: 10px;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    #msg {width: 400px}<!-- [et_pb_line_break_holder] -->    #thank-you {<!-- [et_pb_line_break_holder] -->      text-align: center;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->  <\/style>\n<p><!-- [et_pb_line_break_holder] -->  <body><!-- [et_pb_line_break_holder] -->    <\/p>\n<div class=\"overall-container\"><!-- [et_pb_line_break_holder] -->        <pee id=\"question\">Was this page helpful?<\/pee><!-- [et_pb_line_break_holder] -->    <\/p>\n<div class=\"face-container\"><!-- [et_pb_line_break_holder] -->        <\/p>\n<div id=\"section-1\"><!-- [et_pb_line_break_holder] -->          \t<img decoding=\"async\" id=\"face-1-really-not-helpful\" src=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/2022\/04\/face-icon-selected-1-very-sad.png\" alt=\"Helpfulness of page - face 1\" width=50px;><!-- [et_pb_line_break_holder] -->      \t<\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<div id=\"section-2\"><!-- [et_pb_line_break_holder] -->            <img decoding=\"async\" id=\"face-2-not-helpful\" src=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/2022\/04\/face-icon-selected-2-sad.png\"  alt=\"Helpfulness of page - face 2\" width=50px;><!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<div id=\"section-3\"><!-- [et_pb_line_break_holder] -->            <img decoding=\"async\" id=\"face-3-neutral\" 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