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Credit Counselling How It Works

What you need to know.

At Community Credit Counselling we start by reviewing your debt load and income. Once we have done this we decide with you on a course of action to achieve your financial freedom and stability. We look at doing this in the shortest time frame possible. You'll find that your debt load will be easier to handle and you'll have peace of mind.

Our Debt Reduction or Management Programs are custom tailored to your current financial situation, to find the optimal solution to lower your monthly payments and reduce your debts fast.

Typically, dependent upon circumstances we either structure a debt management program or debt reduction program.

Call us today for a free assessmentContact Us Today for a Free Assessment. Click here.




How do the debt management and credit counseling programs work?

Our programs allow you to pay off your existing unsecured debt under new terms. These new terms include elimination of interest, lower monthly payments and waived late and over-limit fees. These programs do not require you to declare bankruptcy or take out a new loan. Take a few minutes to request information today.

How do I know if these programs are for me?

If you're finding that you can only make the minimum payments on your bills, and your balances never seem to go down, then Community Credit Counselling can help. If you're behind in your payments and facing late fees, our service can help. If creditors are calling you or your loved ones at all hours, Community Credit Counselling can help.

Why shouldn't I just take out an equity loan to pay off my creditors?

A new loan won't reduce your present debt. It will only reshuffle the credit problems you already have. In addition, you can lose your home if you fall behind on mortgage payments. a debt elimination program from Credit Counselling could allow you to make smaller payments and reduce the monies owed by up to 60% in some cases without putting your home at risk.

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Wouldn't it be easier for me just to declare bankruptcy?

Avoid Bankruptcy and Call Credit CounsellingBankruptcy should always be a last resort. In the short term, bankruptcy sounds good to many people. After all, what could be better than having the majority of your debt wiped clean? The problem is that creditors and credit bureaus have very good memories & records, and your bankruptcy will show up on your credit report for at least 7 years. Community Credit Counselling Services may not only reduce your monthly payments, but in many cases it may actually improve your credit rating. Be sure to ask your credit counselor for more information.

Will Community Credit Counselling work with all types of debt?

The debt reduction programs work with all types of unsecured debt; including credit cards, department store cards, medical bills, unsecured personal loans, car leases and collection agencies.

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Why can't I negotiate with my creditors?

Our experience has been that creditors are only willing to work with credit counseling and reduction organizations. Our organization is bonded and licensed by the Ontario Government.

Will collection agencies & creditors stop calling me?

Yes. Being trapped in debt can cause unbearable stress and anxiety. Harassing phone calls from your creditors or collection agencies only make things worse. Once you become a client, the calls from creditors will ultimately stop. If some collection agencies continue to harass you we have avenues to make them stop.

Is it Confidential?

Absolutely. We have gone to great expense to ensure that ALL the information you provide us with will be kept safe, secure and strictly confidential.  Our Service Is Totally Confidential. You will have immediate attention.

Start your program today! Get a free online credit counselling assessment today.