About Us

Our members operate nation-wide. Hundreds of thousands of Canadians have benefited from their support and you can too!


There are several companies who are ready and willing to help you with debt management, debt consolidation, debt counselling and more. Many of these companies may have your best interest at heart, but the majority are profit seeking enterprises looking to make their next dollar. It can be very difficult to provide unbiased and objective information when the motivation is to make money.

Credit Counselling Canada is the national association of not-for-profit credit counselling agencies that work provincially, regionally and locally throughout Canada. Only not-for-profit or charitable organizations are accepted as association members by our volunteer Board of Directors.

Not-for-profit (sometimes called non-profit) is an organization that conducts business for the benefit of the general public without seeking to make a profit.

Not- for- profit credit counselling agencies exist to help individuals and families sort out their personal finances without selling you something. Clients receive highly-qualified support at little or no cost. No one is ever turned away or refused services based on inability to pay.

So how do we survive? Donations, grants, United Way, employee assistance programs, and some client fees allow our members to cover their expenses. Employees are not hired to generate business and are not paid based on the debt solution you choose.

Related Blog Post: Who Pays for Credit Counselling? Funding for Not-for-Profit Credit Counselling

Our members are not into quick fixes but can help you explore all your options and lay out the pros and cons for each of them. The number one priority for all member agencies is being fully transparent and putting your best interests first.

  • Credit Counselling Canada’s core values are trust, credibility and advocacy.
  • CCC promotes the trust of its members who provide objective services in the not-for-profit credit counselling sector.
  • CCC ensures credibility with consistent, high quality standards of practice of members.
  • CCC provides advocacy on behalf of members with respect to consumer financial literacy.
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