This is the first step in:

• reducing debt;
• stopping collection calls;
• straightening out financial problems;
• managing money;
• paying bills on time;
• living with a budget;
• avoiding bankruptcy;
• saving for the future.

No matter how desperate your situation, you've found the reliable source for qualified, confidential financial advice. Our Professional Counsellors are here to help you explore all your options. We have a friendly working relationship with creditors. We can negotiate on your behalf with Banks, Credit Card Companies, Retailers, and Collection Agencies. In fact, last year (2010) approximately 7% of our clients reported they were referred by a creditor.

We are a community based non-profit credit counselling service. We don’t ask you to pay fees for counselling. We don’t limit your time talking to a credit counsellor. When you come to us for help, we support you through the whole process. We give you the help you need, when you need it.