Do you have debt problems or need help budgeting and managing your money better?
Resolve Credit & Financial Counselling Services (Ontario Registration # 4138210) is a community-based non-profit credit counselling service. We are an accredited member of the Ontario Association of Credit Counselling Services (OACCS) and the Canadian Association of Credit Counselling Services (CACCS). We are also a registered Canadian charity and a member agency of the United Way.
Since 1968, Resolve Credit & Financial Counselling Services has been a well-respected and reliable source for qualified and confidential advice on managing money and overcoming debt. Our Certified Credit Counsellors will sit down with you to review your personal financial situation. From there, our counsellors will help you explore all the options that are available to you to eliminate debt, manage money better, and significantly improve the overall quality of your life! You pay no fees to sit down with a counsellor and no time limitations are imposed on counselling sessions.

Complete our FREE Online Assessment or contact us at 1-800-379-5556 to speak to a Certified Credit Counsellor.
Our Online Assessment gives you the ability to submit your personal and financial information to our agency securely, confidentially, and conveniently from the comfort of your own home. The information in your Online Assessment will be reviewed by one of our Certified Credit Counsellors before contacting you to discuss all the options available to you.
People We’ve Helped – Ryan’s Story

Making an appointment with Resolve Credit & Financial Counselling Services is the first step if you want to:
- Reduce high interest debt
- Stop collection agency calls
- Stop using payday lenders
- Avoid bankruptcy
- Pay bills on time
- Manage income interruptions
- Live within a budget
- Plan towards a big purchase (house, car)
- Save for the future
Ready to get started on reducing debt and managing your money more effectively?
We can help you stop collection calls, plan for the future, and most importantly reduce the constant strain that debt causes. We can also provide you with tools to set your own short and long-term financial goals.
Family and friends care about the negative ripple effect that money problems have on their family members and loved ones—we can help reduce that stress.

Our Services:
FREE Online Assessment
Our FREE Online Assessment gives you the ability to submit your personal and financial information to our agency securely, confidentially, and conveniently from the comfort of your own home. The information in your Online Assessment will be reviewed by one of our Certified Credit Counsellors before contacting you to discuss all the options available to you.
Debt Relief
A Debt Management Program (DMP) is an agreement that allows clients to make one monthly payment to our agency and repay their debt in its entirety within 5 years or less. It is a completely voluntary program and open ended, which means clients can choose to pay the outstanding balance off at any point or as quickly as they would like.
In a DMP, we contact the client’s creditors, negotiate payment arrangements, and ask them to stop or reduce interest charges. This arrangement helps our clients get out of debt and gives them the opportunity for a fresh start!
Financial Coaching
We provide FREE one-on-one Financial Coaching services to help clients stay on track with budgeting and money management. We help clients develop new behaviours around spending and saving money. In consultation with our clients, we monitor these behaviours over time to ensure they are in the best shape possible to achieve their short and long-term financial goals.
Financial Literacy
We provide FREE one-on-one Financial Literacy counselling services on a variety of common interest topics including:
- Common financial traps to avoid
- Learning to live within income
- Using credit wisely
- Making financially responsible decisions
- Learning how to teach your children about money—spending, saving, and credit
Consumer Education
We provide clients with FREE Consumer Education resources that support good buying habits and buyer awareness.
Ready to get started on reducing debt and managing your money more effectively?
Contact us at 1-800-379-5556 to speak to a Certified Credit Counsellor or Complete our FREE Online Assessment .
We also host FREE workshops and seminars for groups!
Credit Counselling Program Philosophy & Objectives