Consolidated Credit Canada Reviews, Ratings And Fees

About Consolidated Credit Canada

At Consolidated Credit Canada, we understand the challenges that come with managing debt. As a non-profit organization, our goal is to provide you with the tools and support necessary to achieve financial relief. Our team of trained credit counsellors is dedicated to helping Canadians navigate their financial challenges through personalized advice and comprehensive debt management solutions. 

Our Mission

Our mission is to empower Canadians to achieve financial stability and independence through education, counselling, and debt relief services. We strive to create a community where everyone has the knowledge and resources to manage their finances effectively and live debt-free. 

Our Services

  • Credit Counselling: Our trained credit counsellors offer free, confidential consultations to assess your financial situation. During these sessions, we help you understand your options and create a personalized action plan to address your debt. We thoroughly analyze your finances to provide tailored advice and strategies, to help you make informed decisions and stay debt-free even after completing the program. 
  •  Debt Management Program (DMP): Debt Management plans allow you to consolidate your unsecured debts into one low manageable monthly payment, simplifying your financial obligations. We work with your creditors to negotiate lower interest rates and fees, reducing the overall cost of your debt. Through the duration of the program, you will receive support to help you stay on track and reach your goals. 
  • Housing Counselling: Our housing counsellors provide advice on mortgage-related issues, including foreclosure prevention and homeownership education to ensure you have the support to live comfortably. We also help renters manage rental payments and understand their rights as a tenant.
  • Bankruptcy Counselling: If you’re considering filling for bankruptcy, we offer pre-filing counselling to help you understand your options and obligations. Post-bankruptcy, our pre-discharge counselling helps you rebuild your financial life and avoid future debt problems, providing you with the knowledge and support necessary for a fresh start. 
 

How It Works

All it takes to get started is to schedule a free consultation with one of our credit counsellors to discuss your situation and explore your options. You can do this by completing the form on ConsolidatedCreditCanada.ca or call 1 (844) 247-2482

Based on your assessment, we will develop a detailed action plan tailored to your specific needs and goals. This plan includes practical steps to manage your debt, improve your financial habits and work towards financial stability. 

Why Choose Us?

As a non-profit organization, Consolidated Credit Canada’s primary focus is on your financial well-being, not profit, with over 500,000 Canadians counselled, eliminating over $500 million in debt. 

We are dedicated to providing unbiased advice and support to help you achieve your goals. Our team of counsellors has extensive experience in helping individuals and families overcome debt. with over 500,000 Canadians counselled, eliminating over $500 million in debt. Each year we provide over 300+ hours of financial education to help educate those who may have not learned about it while growing up. 

Our proven success in helping thousands of Canadians achieve financial peace of mind through our Debt Management programs and educational services, coupled with our strong reputation and positive client feedback, speaks to our commitment to helping you succeed. 

FAQ (Frequently Asked Questions)

  • What is credit counselling? Credit counselling is a service that helps you understand your financial situation and develop a plan to manage your debt.
  • Who is eligible for your services? Our services are available to all Canadians who need assistance with managing their debt.
  • How does the Debt Management Program work? The DMP consolidates your debts into one monthly payment, often with reduced interest rates and fees, making it easier to pay off your debt.
  • What types of debt can be included in a DMP? Unsecured debts such as credit cards, payday loans, and personal loans can be included in a Debt Management Program.
  • Will my credit score be affected by enrolling in a DMP? Enrolling in a DMP may initially affect your credit score, but as you make consistent payments and reduce your debt, your credit score can improve over time.
  • How long does it take to complete a DMP? The length of a DMP varies depending on the amount of debt and your ability to make payments, but most programs take between three to five years to complete.
  • Is credit counselling confidential? Yes, all credit counselling sessions are confidential. We respect your privacy and are committed to protecting your personal information.
  • How much does credit counselling cost? Initial credit counselling sessions are typically free. If you enroll in a DMP, there may be a nominal monthly fee, which will be clearly explained during your consultation.
  • Can I still use my credit cards while in a DMP? Generally, you will need to stop using your credit cards while enrolled in a DMP to avoid accumulating more debt.
 

WE DO NOT OFFER LOANS. We are a non-profit credit counselling agency. We offer debt relief services through financial education, credit counselling and debt management programs. 

Payment reduction: Reduce total payments by up to 50% without a loan!

Reduce Interest: Lower interest rates from 0-10%

Pay off time: Get debt-free in 36 to 60 months

Availability

Canada wide