About Consolidated Credit Counseling Services of Canada, Inc.
Helping Canadians find relief from credit card debt and achieve long-term stability through financial education.
“Unless the fundamentals of financial education are established, financial security is just a wish”
– Jeffrey Schwartz
The conversation about high consumer debt levels and the impact of financial stress on Canadian households is not a new one, but what is new is what’s happening to debt in the digital information age. This is why we put such a priority on pursuing every means available to help educate and inform consumers, young and old, about the importance of understanding basic personal financial management. Assisting with debt repayment and establishing workable monthly budgets are only part of the bigger picture here at Consolidated Credit. Advocating for financial education and wellness supports in the workplace and in schools across Canada are integral parts of that bigger picture.
That’s why we believe that solving people’s financial crises and debt management problems today involves more than just a program that can help them to live debt-free. True financial security takes education and inspiration, and that’s what we help our clients do through the educational initiatives and professional financial counselling we’ve developed over the last decade.
Consolidated Credit’s mission
To assist individuals and families in Canada in ending financial crises and debt management problems through education and professional counselling.
Our core values
- To continuously improve what we offer to our clients, creditors and team, by confronting reality, embracing change, learning, testing and evolving.
- To listen and seek to understand our clients, creditors and team members.
- To make a different in the lives of our clients, regardless of income level, geographic location or financial concern.
- To conduct ourselves at the highest level of professionalism in all we do, upholding a work ethic of responsibility, accountability, resourcefulness, diligence and integrity.
- To maintain an environment of entrepreneurial spirit by looking and acting, with a long-term view, owning our actions, focusing on results and being passionate about everything we do.
- To be the best in creating value for our clients and creditors, in retaining and recruiting people for our organization, in life-long learning and committing to excellence.
- To protect our clients; their dignity, sense of self-worth, integrity, right to make their own choices and privacy.
Organizations and Affiliations
The aim of OACCS is to enhance the personal financial well-being of Canadians through financial literacy, education and industry leadership. OACCS establishes and regulates uniform standards of practice, knowledge, skills and ethics for the Credit Counselling and Financial Coaching profession.
OACCS sets the standard of required expertise for the financial counselling industry as the only organization to offer the exclusive professional designation of Accredited Financial Counsellor CanadaSM(AFCCSM). Counsellors who have achieved their AFCCSM designation provide Canadians with access to the best independent and specialized personal financial experts in the country.
The Canadian Association of Credit Counselling Services (CACCS) represents a Canada-wide network of accredited, not-for-profit agencies and affiliates offering preventive education and confidential services to clients experiencing financial difficulties.
With a focus on financial counselling education, accreditation of agencies and certification of Credit Counsellors, CACCS is also committed to national research and policy initiatives concerning personal finance and industry advocacy.
Accredited Member of Better Business Bureau with A+ rating
BBB’s mission is to be the leader in advancing marketplace trust. We exist so consumers and businesses alike have an unbiased source to guide them on matters of trust. We provide educational information and expert advice that is free of charge and easily accessible. BBB Accreditation is an honour – and not every company is eligible. Businesses that meet our high standards are invited to join BBB. Businesses meeting BBB standards are presented to local Boards of Directors (or designees) for review and acceptance as a BBB Accredited Business.
The CAGT’s primary objective is to provide a forum for the exchange of ideas and concerns to educate members on current and proposed legislation, and to educate the public on the proper use of credit.
Meet Our Team
As Consolidated Credit’s Executive Director, Jeffrey Schwartz has dedicated his career to assisting individuals and families in their pursuit of financial stability. He has served as the Director of the OACCS and CACCS, the leading national and provincial nonprofit credit counselling associations.
After joining Consolidated Credit’s team in 2016, Ben Allen took the leading in spearheading Consolidated Credit’s financial education outreach efforts. He specializes in developing and delivering financial education program throughout Canada.
Whether it is through employee fundraising or volunteering, we believe in helping the communities in which we work. Learn about the charities and outreach programs we support.
Searching for a meaningful career? Want to help Canadian families realize their financial potential to build a better life? We are always looking for talented employees.
Jeff Schwartz, Executive Director of Consolidated Credit Canada: Hi. I’m Jeff Schwartz and I’m the Executive Director of Consolidated Credit Counseling Services of Canada. I am proud to say that since 2007, we have helped hundreds of thousands of people overcome their issues of mounting debt.
We do this by working with creditors on repayment options and our clients, by developing personalized budgets to help our fellow Canadians overcome their debt problems for good. A big part of our mission is to improve financial wellness before people run into problems. We do this by proactively working with communities across Canada, providing financial tools, education and materials we feel every Canadian should have access to.
Of course, our mission depends on our people. Our financial counsellors and support team have been trained in all these areas to make sure we are successful in our mission. Let’s take a moment and hear from some of our team members and what their roles are in our organization.
Gabriel, hired in 2009: I’ve been the site manager and kind of head of the counselling department.
Yolotl, hired in 2009: I’m a consumer service supervisor.
Onicka, hired in 2015: I’ve transitioned into a team lead here.
Dev, hired in 2019: I’ve been a counsellor here at Consolidated Credit.
Cera, hired in 2017: I’m a client service representative.
Joshua, hired in 2016: I’m a credit counselling supervisor.
Samycha, hired in 2013: I’m in the alternative solutions group.
Henry, hired in 2017: I’m a credit counsellor.
[On-screen text] What part of the job is most rewarding to you?
Samycha: A lot of times they come in and they’ve been told no so many times, and us being able to tell them yes is really rewarding.
Henry: Working with them on their budgets, working and understanding their income better, and finding ways to find additional savings, on top of that is finding ways to help them get out of debt.
Dev: Giving people peace of mind. We do help a lot of people here. You hear it on a regular basis, people are very thankful for our services. A lot of tears, a lot of people saying, “This is, oh, I should have done this a lot sooner. I regret not doing this.” Referring us to friends and family. It’s a great feeling. It really reinforces that we’re doing meaningful work here.
Onicka: Assisting our clients with achieving financial freedom. The excitement, the relief and the joy from a client, I find that really rewarding.
Joshua: Coaching and mentoring our team of credit counsellors. Seeing them provide the best service possible to everyday Canadians with various levels of debt and distress. Being able to help them, being able to find solutions for them is, by far, the most satisfying part of the job.
Cera: I find it most satisfying when I hear the smile in my clients’ voices, knowing that they may call in stressed out or unsure of whatever it may be. But after they hang up the phone with me, I know that they’re leaving feeling positive, feeling comfortable that everything will be okay.
Gabriel: The counsellors, first and foremost, seeing their growth in skills, seeing their growth in terms of how many people they’re helping and their career development and their knowledge of products and services. And the growth of our company and our client base, and really just reaching out and helping more and more people every day.
[On-screen text] How do you define success?
It definitely takes perseverance, the right attitude to want to succeed, and just hard work.
Samycha: Hard work, dedication, time management and being able to provide effective solutions for our clients.
Gabriel: You know, you have to be, not only confident in the advice and recommendations you’re making. You have to be able to build a rapport with your clients and help them understand that you’re not selling a program or a service. You’re ultimately giving them good advice, which is going to solve the problems.
Dev: You have to be willing to make sacrifices, come early, stay later. The job is to accommodate the clients and help them with their needs.
Onicka: You have to celebrate the good and learn from the bad, and just progress with that.
Henry: You have to be in their shoes. I think it’s very important to be, so that you can see what their struggles are. And then, from there, offering different ways to help them get out of debt.
[On-screen text] Giving back to the community
Onicka: Last year we did the North York Harvest Food Bank, where we actually got to go out into the community to the food bank and help sort out food. Like, we’re part of a huge family here and the community is a family as well.
Henry: We’ve done a lot as a company. One of my favourites is raising money and helping the people in need.
Samycha: One particular charity that strikes a chord with me would be the Terry Fox Run. Unfortunately, I have cancer in my family as well and this charity is really important to us. Being able to get out there in the community and support our community members it great. It’s a great opportunity to get some exercise.
[On-screen text] In office events
Cera: It makes me feel like I’m not only someone that works here, but it makes me feel like I’m part of a little family. You know, I think that’s really important because you don’t want to work feeling like you’re just a person sitting in a chair. You want to feel like you’re part of a greater picture, a bigger team. You want to feel involved and the fact that I can feel involved and I can get everyone around me involved, that makes me really happy.
Onicka: I enjoy the back to school. I enjoy Halloween as well, of course, who doesn’t like Halloween? But more recent, coming up in the next couple weeks, we’re doing a twin day. So, that’s something I’m really looking forward to. It will be the first time and I’m teaming up with the big boss, so it’ll be an interesting day.
Dev: We have certain theme days. Pajama day. Humour Day. There’s always events, food.
Yolotl: We make this place a fun place to be because it’s like our second home. We actually called this, you know the company, our second family. So, we have a lot of activities, like holiday parties. We have events every single month, organized by the Spirit Committee.
Gabriel: We’re focused. We’re really here to do a good job and help a lot of people. But at the same time because we know we’re in an industry where we’re sometimes we’re helping people in a tough situation, it’s important to lighten that mood. It’s important to know that we all support each other and we do a lot of events to just make it a fun culture.
[On-screen text] If you enjoy working with people and helping them meet their life goals, Consolidated Credit Counseling Services of Canada, Inc. may be the right workplace for you!
We’re currently accepting resumes for positions in our Toronto office.
Email your resume to [email protected]
Embark on an exciting career opportunity today at Consolidated Credit Counseling Services of Canada, Inc.