Budget Counselling Services

Where are counselling services available?

Budget / credit counselling services are offered by various types of organizations: provincial governments, non-profit and for profit organizations across Canada.

Be aware that there are people who appear to be offering their help but they end up taking advantage of your vulnerability. Double check before signing anything and be sure to ask questions, notably with respect to fees:

Government Services

Nova Scotia

Debtor Assistance Program
This program is provided by Service Nova Scotia and Municipal Relations.

Service Nova Scotia and Municipal Relations
Tel.: 902-424-5200
Toll free: 1-800-670-4357
SNSMR's Debtor Assistance Program Website


Provincial Mediation Board
Offered by the Saskatchewan Justice Department, this Board provides budgeting advice and counselling services.

Tel.: 306-787-5387
Toll free: 1-888-215-2222
Fax: 306-787-5574

Tel.: 306-933-6520
Toll free: 1-888-215-2222
Fax: 306-933-7030
Saskatchewan's Provincial Mediation Board Website

Non-profit Organizations


Ontario Association of Credit Counselling Services (OACCS)
OACCS is a registered charity that represents a membership network of not-for-profit credit counselling agencies.

Tel.: 1-888-7-IN DEBT
OACCS' Website


Union des consommateurs
Union is a consumer organization made up of 10 ACEFs (Association coopérative d'économie familiale) as members.

Tel.: 514-521-6820
Outside Montreal: 1-888-521-6820
Union des consommateurs's Website
(in French only)

Coalition des associations de consommateurs du Québec
The CACQ is a national group of consumer associations of which, 22 organizations that provide credit counselling services are members.

Tel.: 514-362-8623
CACQ's Website
(in French only)

For all other Provinces and Territories

Credit Counselling Canada (CCC)

CCC is a national association of not-for-profit credit counselling agencies which includes members that serve all provinces and territories. To find the agency nearest you, visit Credit Counselling Canada's Website

Other Organizations

Information on other non-profit organizations and for-profit companies that provide credit counselling services can be found in your local phone book.

You can also call your consumer protection association, the ministry that oversees consumer protection in your province / territory or the Better Business Bureau to see if any complaints have been filed against the person or company you are planning to deal with.