Credit Counselling Services of Atlantic Canada

Financial counsellors provide advice on reducing or eliminating debts over the phone by giving people the tools to successfully manage their finances. Counsellors help clients:

• Get out of debt
• Avoid bankruptcy
• Improve money management skills
• Eliminate credit card debts
• Negotiate reduced payment and interest terms with creditors
• Draft alternative payment plans
• Planning and maintaining a budget
• Variety of financial education services

Accredited counsellors provide a debt management plan over the phone, helping individuals take back control of their finances. Helps consumers consolidate their debts into one affordable monthly payment, which Credit Counselling Services disburses to the consumer's creditors on their behalf. The plan includes support to individuals for them to live within their means and improve their money management skills.

• Financial literacy
• Managing money
• Learning to budget
• Expenses
• How to save
• Putting a roof over your head
• Planning for the future
• Preparing financially for post-secondary education
• Identify theft
• Credit reports

Provides online financial resources and tools. includes:

• Goals worksheet
• Calculators for budget, mortgage, saving goal, debt amount and loan
• Understanding a credit score
• Identity theft
• Money management quiz and more

Several $1,000 scholarships available annually for post-secondary education.

Application deadline is in early May each year.