can quickly and easily fix your credit score.can solve your debt problems quickly for only a fraction of your debt.Some agencies or companies may claim or misrepresent that they: If it sounds too good to be true, it probably is. Look carefully at the agency’s advertisingīe cautious. l'Office de la protection du consommateur (Quebec).This includes late payments to creditors or false advertising.Ĭheck for complaints about the agency with: Union des consommateurs (in French only)įind out if there have been any serious or unresolved complaints about the agency.Coalition des associations de consommateurs du Quebec ( CACQ) (in French only).In Quebec, budget and credit counselling services are often offered by Associations coopératives d’économie familiale ( ACEFs). Ontario Association of Credit Counselling Services.

Canadian Association of Independent Credit Counselling Agencies.

Canadian Association of Credit Counselling Services.

These associations require members to maintain specific standards of practice.įind agencies through these associations: Make sure that the agency is in good standing with a provincial or national association. Make sure you know what services they offer and how much it will cost.

group courses, tips and seminars on topics such as how to make a budget and stick to it or how to use credit wiselyīoth not-for-profit organizations and for-profit companies offer credit counselling services.ĭo your research to find a trustworthy organization and a qualified counsellor.

Simply talking to a credit counsellor won't affect your credit score.Ī credit counselling agency can provide a range of services, such as: If you're having trouble paying back your debt or keeping up with your payments, you may want to talk to a credit counsellor.

Lost Paradise by Jean Clair