Get out of debt and learn money management.
Credit Counselling is a program for people experiencing financial difficulties and for those wanting to learn more about money management.
Often, the stress that results from personal debt can lead to tension and worry.
Through Credit Counselling, we help you alleviate that pressure by reviewing debt-reduction options.
If it’s time to seek help, working with us is a valuable first step toward a fresh start.
Our professional counsellors help you create a personalized plan based on your financial profile, including a workable budget that fits your needs. Our service is accredited by Credit Counselling Canada and the Ontario Association of Credit Counselling Services.
If debt is a problem, we’ll help you with an agency-negotiated Debt Management Program (DMP). This is a repayment process negotiated and administered on your behalf by our agency. The counsellor works with you to determine if there are funds available to repay your debt over a reasonable period of time, then negotiates interest relief and repayment terms with creditors.
Our service is highly supportive and strictly confidential. The atmosphere in our office is respectful and non-judgmental.
We understand your problem. We have the solutions.
How much does it cost? We charge on a sliding scale according to income. No one is turned away due to inability to pay. We are a social agency that helps people who need us.
If you answer "yes" to any of the following questions, it might be time to consider credit counselling.
Do you worry constantly about money?
Are you borrowing money to get out of debt?
Are creditors contacting you?
Are you using credit cards to meet monthly expenses?
Are you a month or more behind in monthly payments?
Are you having difficulty setting and living by a budget?
Do you want to learn to manage your money more effectively?
Strategies for Budgeting & Managing Changes in Income
Check out our article on budgeting and managing your money wisely.
Some testimonials from clients who have benefited from our Credit Counselling Program...
"I was comfortable talking about my personal financial problems. The credit counsellor was always willing to give me guidance and reduce my stress. I could contact her at any time and she always returned my calls. I would use credit counselling again. Thank you for helping me get back on my feet."
"In credit counselling, I learned about ways to deal with calls from creditors. I feel as though things moved a lot quicker having someone to help me."
"The budget system helped me feel confident that I can make my payments each month. It has relieved a lot of worry."
"I called. I got papers. I had an appointment. I talked my problems out. I was listened to and most of all, I came away with hope and understanding."
"I was treated with respect and made to feel comfortable in an uncomfortable situation. The counsellor’s assistance gave me the opportunity to put my life back in order."
Our Hours of Operation are:
Monday:
9 a.m. to 5 p.m.
Tuesday, Wednesday, Thursday:
9 a.m. to 9 p.m.
Friday:
9 a.m. to 5 p.m.
9 a.m. to 5 p.m.
Tuesday, Wednesday, Thursday:
9 a.m. to 9 p.m.
Friday:
9 a.m. to 5 p.m.
Our offices are closed Saturdays and Sundays
Contact Family Counselling and Support Services at 519-824-2431 or
1-800-307-7078 to schedule an appointment.
1-800-307-7078 to schedule an appointment.