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There are many different organizations in Canada (depending on where you live) that will actually help you get yourself out of debt and repair your credit for free!

Credit counselors can help you to work out a budget plan as well as speak to creditors to lower your monthly payments to a level that you can manage, or even to resolve conflict between you and your lenders. Many of these companies also offer financial planning services, they will help you to save for retirement, qualify for a mortgage, and to make important financial decisions.

I think this is an amazing thing to have available to us! I recommend taking advantage of these free services, even if you just need a little help balancing your budget. Here is a list of organizations that provide free credit counseling and other financial services:

All of Canada
http://www.inchargecanada.ca

Credit Counselling Services Centres in Ontario
Greater Toronto Area
Georgian Bay Region
London
North Bay
Sault Ste. Marie
Thunder Bay
Timmins

Free Credit Counselling Services in Canada by province
Credit Counselling Services of Alberta
Credit Counselling Society of British Columbia
Credit Counselling Services of Atlantic Canada, Inc. –
New Brunswick and Nova Scotia
Kingston Credit Counselling
Personal Credit Counselling Service –Newfoundland and Labrador

Many of these services also offer help to people outside of their immediate area. You can also talk to your bank about credit counseling and financial planning although you should be aware that their advice could be biased.

SCAM WARNING: there are companies out there who call themselves “Credit Repair Clinics” These companies claim that for a fee, they can repair your bad credit rating, however, there is no quick fix to repair a persons credit. The best way to improve your credit is by making all of you payments on before they are due, over a long period of time (at least 2 years).

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