Credit Card Debt Essentials

Many Canadians struggle to pay off their debts and reduce their credit card usage. Consolidated Credit Counseling Services of Canada, Inc. has created this Credit Card Debt section to help consumers learn more about credit card debt and their debt relief options.

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Understanding Unsecured Debt

TYPES OF DEBT

Most unsecured debts may be included in the Debt Management Program.

WHAT IS UNSECURED DEBT?

Unsecured debt is any debt that doesn't require you to put up collateral that could be repossessed if you don't make the payments (a car or automobile, for example). These usually include credit card bills, medical bills, or personal loans.

While we can't consolidate all debts, we do provide referrals to qualified organizations that provide those services.

Please visit the Understanding Debt section of our website for more information.

Get Relief From Debt

Self-Help Booklets

All About Credit
This basic ‘Credit 101' publication explores the pros and cons of using credit, provides a guide and calculation formula to help consumers find out how much credit they can afford, and offers advice on what elements should be considered before applying for a credit card, how to build a positive credit history, and existing credit rights.

We are a proud member of The Canadian Association of Credit Counselling Services (CACCS), the National Voice for Not-For-Profit Credit Counselling. As a CACCS member, you can trust that our Certified Credit counsellors and Financial Fitness Coaches will provide the best in professional, independent and unbiased personal financial expertise. We’ve helped over 500,000 people with their debts issues, call us today and see what we can do for you.
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to speak with a counsellor today!

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.

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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.
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