Who We Are

Consolidated Credit is many things to many people

Consolidated Credit Counseling Services of Canada, Inc. is a national non-profit credit counselling organization that educates consumers about personal finance and has helped over 500,000 Canadians tackle their debt.

Consolidated Credit’s unbiased debt-counselling service offers alternatives to help people get their debts under control. Alongside consolidating payments, Consolidated Credit’s counsellors focus on education and understanding. Strategies include teaching basic, but vital concepts, such as how to budget, understanding credit, and how to manage money.

Consolidated Credit offers a free web-based budget and debt analysis tool. Here on our website, you’ll find a variety of education resources to help with debt management, the proper use of credit cards, and improving your financial literacy. We have also created a free iPhone application to help you budget on-the-go.

Our mission:

To assist individuals and families throughout Canada in engaging financial crises and debt management problems through education and professional counselling.

Our core values:

Call us anytime at and we’ll answer all of your credit counselling questions. You can also try taking our Free Debt Analysis to see where you stand. If we can help you get out of debt, we will!

Consolidated Credit Counseling Services of Canada, Inc has been verified as the owner or operator of the Web site located at www.consolidatedcredit.ca. Official records confirm Consolidated Credit Counseling Services of Canada, Inc as a valid business. Call us today and see what we can do for you.

We are a proud member of the Canadian Association of Credit Counselling Services (CACCS), the national voice for not-for-profit credit counselling services. As a CACCS member, you can trust that our trained credit counsellors strive to provide the best in professional, independent and unbiased personal finance services. We’ve helped hundreds of thousands of Canadians find relief from debt. Call us today to find out if we can help you.

Consolidated Credit Counseling of Canada is proud to be a member and support the Toronto Board of Trade. Founded in 1845, the Toronto Board of Trade is Canada’s largest local chamber of commerce. We share their vision, passion and commitment to serving the community and to foster economic and social welfare of the City of Toronto. Call us today and see what we can do for you.

CCA logo

Consolidated Credit Counseling Services of Canada is accredited by the Canadian Centre for Accreditation – a national organization responsible for ensuring excellence in community service. We meet CCA’s high standards of service and accountability. Give us a call today and find out what we can do for you.

We are proud members of the Ontario Association of Credit Counseling Services (OACCS). OACCS sets the standard of required expertise for the financial counseling industry and the only organization to offer the exclusive professional designation of Accredited Financial Counsellor Canada (AFCC). With over 500,000 people helped, you can be assured that we can find the right solution for you. Call us today.

Time tested and customer trusted. Consolidated Credit Counseling Services of Canada, Inc has been a BBB Accredited Business since 2008 and has a current A+ rating. Call us today and see what we can do for you.

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AFCC (Accredited Financial Counsellor Canada)

AFCC (Accredited Financial Counsellor Canada) is a distinguished professional designation, indicating that a counsellor has successfully completed the program and has specialized knowledge, unique skills and expertise as a qualified Credit Counsellor.

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With this amount of debt, you'd pay around $xx.xx on a DMP.

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