” This has been the best decision of my life! The credit counsellors are quick with responses, they know their stuff and they have helped me with a kindness and consideration that I will never forget. Thanks Consolidated Credit! “
Suz-Ann C.
This has been the best decision of my life! The credit counsellors are quick with responses, they know their stuff and they have helped me with a kindness and consideration that I will never forget. Thanks Consolidated Credit! 
Suz-Ann C.
Consolidated Credit Counseling Services of Canada, Inc. has helped more than 500,000 Canadians in 14 years find relief from debt. Now we’re here to help you.
A Trained Credit Counsellor will be calling you at the number you provided. They’ll complete your free debt and budget analysis, then discuss the best options for getting out of debt with you. If you qualify to enroll in a debt management program, your counsellor can also help you enroll immediately.
For immediate assistance, please call:
Hours of Operation:
Monday – Thursday 8:30AM to 8PM (EST)
Friday 8:30AM to 6PM (EST)
Saturday 9AM to 2PM (EST)
Headquarters:
505 Consumers Road, Suite 400
Toronto, Ontario M2J 4V8
Ontario Registration #4705786
Talk to a trained credit counsellor to evaluate your current situation.
Identify the right debt solution for your needs.
Develop a payment plan that fits your budget, so you can stop struggling to keep up with your bills.
When necessary, we’ll negotiate with creditors to reduce or eliminate interest charges so you can get out of debt faster.
3 years ago I found myself with overwhelming credit card debt of over $45,000. I really didn’t know what I was going to do. With Consolidated Credit, all my debts were rolled into one payment with little or no interest. I don’t know where I would be today if not for this program!
It’s so great to think I’ve just about done my time. If that sounds like a prison sentence it’s because that’s what this was for me. I put myself into a debt prison but you all have helped me achieve my goals. Thank you, Consolidated Credit
Cloudflare is a fast, global content delivery network that allows Consolidated Credit Counseling Services of Canada, Inc. to provide you with a secure, fast website experience at our verified web address, www.consolidatedcredit.ca.
We are a proud member of the Canadian Association of Credit Counselling Services (CACCS), the national voice for not-for-profit credit counselling services. As a CACCS member, you can trust that our trained credit counsellors strive to provide the best in professional, independent and unbiased personal finance services. We’ve helped hundreds of thousands of Canadians find relief from debt. Call us today to find out if we can help you.
Consolidated Credit Counseling Services of Canada, Inc. is proud to be a member and support the Toronto Board of Trade. Founded in 1845, the Toronto Board of Trade is Canada’s largest local chamber of commerce. We share their vision, passion and commitment to serving the community and to foster economic and social welfare of the City of Toronto. Call us today and see what we can do for you.
Consolidated Credit Counseling Services of Canada, Inc. is accredited by the Canadian Centre for Accreditation
– a national organization responsible for ensuring excellence in community service.
We meet CCA’s high standards of service and accountability.
Give us a call today and find out what we can do for you.
Click here to learn more.
We are proud members of the Ontario Association of Credit Counseling Services (OACCS). OACCS sets the standard of required expertise for the financial counselling industry and the only organization to offer the exclusive professional designation of Accredited Financial Counsellor Canada (AFCC). With over 500,000 people helped, you can be assured that we can find the right solution for you. Call us today.
Time tested and customer trusted. Consolidated Credit Counseling Services of Canada, Inc. has been a BBB Accredited Business since 2008 and has a current A+ rating. Call us today and see what we can do for you. View the Consolidatedcredit.ca BBB review status.
Consolidated Credit Counseling Services of Canada, Inc. is honored to receive the 2012 Excellence in Financial Literacy Education (EIFLE) Nonprofit Organization of the Year award. The EIFLE awards acknowledge innovation, dedication and the commitment of organizations that support financial literacy education worldwide. See what Consolidated Credit Counseling Services of Canada, Inc. can do for you.
This is Consolidated Credit Counselling Services of Canada Inc.’s (“Consolidated Credit”) privacy policy (this “Policy”). This Policy explains Consolidated Credit’s policies for the collection, use and disclosure of personal information. Consolidated Credit abides by applicable privacy legislation, including, but not limited to the Personal Information Production and Electronic Documents Act, as amended from time to time.
Consolidated Credit offers consumer credit counselling services.
THE INFORMATION WE COLLECT
Consolidated Credit collects personal information from clients by various methods. Such methods include: (i) collecting information actively provided by Consolidated Credit’s clients; (ii) clients credit checks (pursuant to and with the consent of the client); and (iii) collecting information arising from our credit counselling services.
For purposes herein, “personal information” means recorded information about an identifiable individual. To qualify as personal information, the information must be about the individual in a personal capacity. The types of personal information we collect include name and contact information, date of birth, language preference, credit information, debt information, income and financial information, as well as social media user identification names. We may record calls to or from our staff for purposes of accuracy, performance reviews, and training.
HOW DO WE USE THIS INFORMATION?
This information collected is only used to provide our services to our clients. The client’s contact information may also be used for other internal Consolidated Credit purposes such as sending Consolidated Credit’s newsletters, updates, announcements, and other information or to better serve our clients.
RETENTION OF PERSONAL INFORMATION
Consolidated Credit will keep your personal information for as long as it remains necessary for the identified purposes or as required by law, or in accordance with its retention schedules, which may extend beyond the termination of its relationship with you. Consolidated Credit reserves the right to maintain personal information records for both active and inactive/unsubscribed clients.
WHO WE SHARE THIS INFORMATION WITH?
Consolidated Credit does not share personal information with unaffiliated third parties except as required to provide or improve our services, or as provided herein. The nature of our services requires Consolidated Credit to disclose personal information to your creditors. Consolidated Credit may provide personal information to its consultants, subcontractors and professional advisers or other third-parties (each of which shall be bound by privacy obligations) to assist Consolidated Credit’s with its services. If Consolidated Credit refers a client to a third party for advice or services which Consolidated Credit does not provide, then Consolidated Credit will share client’s personal information with the third party after the client agrees to use the third party’s services.
We may engage parties located in the United States to help provide our services, but any client personal information which may be collected or viewed by said parties remains on servers that reside in Canada.
SECURITY
Personal information is stored in a combination of paper and electronic files. They are protected by security measures appropriate to the nature of the information.
ACCESSING INFORMATION
Individuals may review their personal information contained in Consolidated Credit files by contacting the Consolidated Credit privacy officer. If an individual believes that any of their personal information is inaccurate, such person shall immediately advise Consolidated Credit of any necessary corrections, and Consolidated Credit, in a reasonable manner, will make appropriate corrections.
THIRD-PARTY WEB BEACONS
Consolidated Credit uses third-party web beacons from Yahoo! to help analyze where visitors go and what they do while visiting our website, www.consolidatedcredit.ca (the “Website”). Yahoo! may also use anonymous information about your visits to this and other websites in order to improve its products and services and provide advertisements about goods and services of interest to you. If you would like more information about this practice and to know your choices about not having this information used by Yahoo! click here or visit https://www.verizonmedia.com/policies/us/en/verizonmedia/privacy/controls/index.html to learn how to opt out of this service.
Opt-Out Policy, Your Newsletter and Email Subscriptions.
You can opt-out or unsubscribe to a newsletter or other email list at any time by following the instructions at the end of the newsletters or emails you receive from Consolidated Credit. Please allow between five to ten (5-10) business days for changes to take effect. Client service-related communications are an integral part of the services you receive from us and you may continue to receive such service-related emails unless you cancel your account, even if you opt out of the newsletters or email list. If you have provided more than one email address to us, you may continue to be contacted unless you request to unsubscribe each email address you have provided. You may also opt-out of receiving our newsletter or marketing emails by contacting us at the unsubscribe email or by replying to an existing email with your request to be removed from the mailing list or click here.
Consolidated Credit may use aggregate or anonymous information which will not be linked to identified individuals for various other uses for itself and third parties.
GENERAL
This Policy was last updated on May 11, 2021.
Consolidated Credit reserves the right to amend this Policy from time to time by posting an updated version on the Website. If such amendments affect how Consolidated Credit uses or discloses personal information already held by Consolidated Credit in a material way, Consolidated Credit will obtain client consent.
Notwithstanding the general terms of this Policy, the collection, use, and disclosure of personal information may be made outside of the terms herein to the extent provided for in any applicable privacy or other legislation in effect from time to time, or pursuant to court orders.
Consolidated Credit may disclose personal information to another entity purchasing (including for diligence purposes prior to purchase) the assets of Consolidated Credit, provided that entity abides by this Policy or a similar privacy policy.
CONTACT US
For more information on Consolidated Credit and privacy, please contact our Privacy Officer at: [email protected]
