Credit counselling is an option best for people who have enough money to pay their debts - they simply need some assistance with budgeting and negotiating with their creditors.
A credit counsellor summarizes your debts and then prepares a multi-year repayment plan on your behalf, called a debt management plan. At the same time, they provide instruction and guidance on your personal finances. More information on credit counselling is available at credit-cousnelling.org.
Throughout Ontario and in Alberta, British Columbia, Manitoba, Prince Edward Island, Saskatchewan, and Yukon Territory you can contact InCharge Debt Solutions, a national, non-profit credit counselling agency that will deal with you over the phone; no face to face meetings are required, but are available if you wish. They can be reached at 1-866-816-6547.
Or, to find a credit counsellor in your area and to arrange a personal meeting, try these phone numbers for these not-for-profit credit counsellors, all of whom are members of Ontario Association of Credit Counselling Services: