What to expect when you call
You will be asked to provide some basic information so your counsellor can fully understand your situation. A professional counsellor will be assigned to work with you on a confidential basis. Service may range from simple, brief, one-time telephone advice to a comprehensive five-year repayment program.
Am I eligible for Credit Counselling?
Our clients range from students who have not yet experienced the effects of personal debt to those individuals who are deeply burdened with personal debt and who need direct advice or intervention. If you are someone whose financial situation has undergone recent changes, a student or a senior, a confidential consultation with a qualified Credit Counsellor can give you the tools you need to handle financial problems and avoid them in your future.
 
We serve Peterborough County, Northumberland County, Haliburton County and the City of Kawartha Lakes. We counsel people face-to-face in each location.  

What does it cost?
Your credit counselling sessions are free. If you choose a debt management program, you can expect a reasonable cost to establish the program and a small monthly service charge.  
 
Making an appointment
Call Credit Counselling Service at (705) 743-2272 or (800) 274-1611 and schedule a free appointment.  
 
What to Bring to Your Appointment
Print off and complete our assessment form, found here, and bring it to your appointment. Bring all recent credit card statements, overdraft and personal loan balances.   
 
If you have a spouse or partner, we recommend that you attend the session together. If you have young children, we recommend that you do not bring them with you, to avoid disruptions.  
 
What to Expect at Your Appointment
You can expect a professional and friendly environment. Your counsellor will meet with you in a relaxed, non-judgmental manner, with complete confidentiality. Sessions usually take about one hour, and an additional session may be booked if more time is needed.
 
Please bring your completed assessment form and financial statements with you so we may serve you more effectively. We look at your financial situation and your personal circumstances, and identify all possible options and solutions. Your counsellor discusses your options with you, and you make the decision on how you want to proceed. We will assist you to set out an action plan and provide follow-up support.

What to Expect in a Debt Management Program
Our debt management programs allow you to repay your debts over an extended period of time. We negotiate directly with your creditors to arrange a mutually acceptable repayment program based on your ability to pay. We may be able to have interest charges reduced or suspended on your credit card debts. You make one affordable monthly payment to Credit Counselling, which we use to pay each of your creditors. We maintain a special registered trust account for these payments. You will be able to repay your debt without worrying about collection agency calls or legal action.  
 
Who Benefits from Credit Counselling?
You benefit:
  • Reduced family stress
  • Satisfaction at meeting your obligations
  • Sense of accomplishment
  • Regain control of your life
  • End collection calls
  • Avoid garnishment of income  
Creditors benefit:
  • Reduced losses
  • Customer becomes better money manager  
Employers benefit:
  • Improved productivity from employee
  • Less paper work due to garnishment of wages