About Consolidated Credit Canada

Helping Canadians find relief from credit card debt and achieve long-term stability through financial education.

Unless the fundamentals of financial education are established, financial security is just a wish.”

– Jeffrey Schwartz

The conversation about high consumer debt levels and the impact of financial stress on Canadian households is not a new one, but what is new is what’s happening to debt in the digital information age. This is why we put such a priority on pursuing every means available to help educate and inform consumers, young and old, about the importance of understanding basic personal financial management. Assisting with debt repayment and establishing workable monthly budgets are only part of the bigger picture here at Consolidated Credit. Advocating for financial education and wellness supports in the workplace and in schools across Canada are integral parts of that bigger picture.

That’s why we believe that solving people’s financial crises and debt management problems today involves more than just a program that can help them to live debt-free. True financial security takes education and inspiration, and that’s what we help our clients do through the educational initiatives and professional financial counselling we’ve developed over the last decade.

Consolidated Credit’s mission

To assist individuals and families in Canada in ending financial crises and debt management problems through education and professional counselling.

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Our core values

  • To continuously improve what we offer to our clients, creditors and team, by confronting reality, embracing change, learning, testing and evolving.
  • To listen and seek to understand our clients, creditors and team members.
  • To make a difference in the lives of our clients, regardless of income level, geographic location or financial concern.
  • To conduct ourselves at the highest level of professionalism in all we do, upholding a work ethic of responsibility, accountability, resourcefulness, diligence and integrity.
  • To maintain an environment of entrepreneurial spirit by looking and acting, with a long-term view, owning our actions, focusing on results and being passionate about everything we do.
  • To be the best in creating value for our clients and creditors, in retaining and recruiting people for our organization, in life-long learning and committing to excellence.
  • To protect our clients; their dignity, sense of self-worth, integrity, right to make their own choices and privacy.

A Foundation for Our Belief System

Consolidated Credit is committed to the demonstration of awareness for the backgrounds, values, beliefs and traditions of people and communities served, staff, volunteers and students as an important aspect of cultural responsiveness. This means its counselling team members are aware of the diversity that exists within their community and are able to recognize and respect the differences that exist between people. This mindfulness can be achieved through education and training programs that help individuals develop an understanding of different cultures and traditions. By doing so, individuals can better serve their communities and create a more inclusive environment for everyone.

Getting Better Every Year

Credit counselling organizations play a crucial role in assisting individuals and families facing financial challenges. This update highlights the quality and performance improvements implemented by Consolidated Credit to enhance its services and overall effectiveness in supporting clients.

  • Enhanced Training and Certification:

Consolidated Credit has prioritized the ongoing professional development of its counsellors. The organization has implemented a comprehensive training program that ensures counsellors possess up-to-date knowledge of financial management, debt solutions, and relevant legal regulations. This commitment to continuous education enhances the quality of advice and guidance provided to clients.

  • Streamlined Client Intake and Assessment:

To improve the efficiency of client intake and assessment, Consolidated Credit has implemented a streamlined process. This includes the use of digital platforms and tools to gather necessary client information, enabling counsellors to assess financial situations more effectively. By reducing administrative burdens and streamlining data collection, counsellors can spend more time focusing on personalized counselling and tailored solutions.

  • Expansion of Financial Education Initiatives:

Recognizing the importance of financial education in preventing future financial challenges, Consolidated Credit has expanded its outreach efforts. The organization now offers a variety of educational programs, workshops, and online resources to help clients develop essential financial literacy skills. By promoting proactive financial management, the organization aims to empower clients to make informed decisions and maintain long-term financial stability.

  • Enhanced Debt Management Solutions:

Consolidated Credit has collaborated with creditors and financial institutions to negotiate more favourable terms and conditions for debt management programs. By establishing partnerships and advocating on behalf of clients, the organization has improved its ability to secure reduced interest rates, waived fees, and extended repayment plans. These enhancements contribute to more viable and manageable debt solutions for clients.

  • Implementation of Client Feedback Mechanisms:

Consolidated Credit values client feedback and has implemented mechanisms to gather and analyze it effectively. Regular client surveys, feedback forms, and structured interviews are conducted to assess the organization’s performance, identify areas for improvement, and monitor client satisfaction. This feedback-driven approach allows the organization to address concerns promptly and tailor its services to meet client needs more effectively.

  • Continuous Improvement Initiatives:

To foster a culture of continuous improvement, Consolidated Credit regularly reviews its processes, performance metrics, and outcomes. By analyzing data and monitoring key performance indicators, the organization identifies trends, areas of success, and opportunities for refinement. This commitment to ongoing evaluation and enhancement ensures that the organization remains responsive to evolving client needs and industry best practices.

Through the implementation of these quality and performance improvements, Consolidated Credit has strengthened its ability to provide high-quality services to clients. The enhanced training of counsellors, streamlined processes, expanded financial education initiatives, improved debt management solutions, client feedback mechanisms, and continuous improvement efforts collectively contribute to the organization’s mission of empowering individuals and families to achieve financial well-being. By striving for excellence, Consolidated Credit is better equipped to make a positive impact on the financial lives of those it serves.

Organizations and Affiliations

Accredited Member of Ontario Association of Credit Counselling Services

The aim of OACCS is to enhance the personal financial well-being of Canadians through financial literacy, education and industry leadership. OACCS establishes and regulates uniform standards of practice, knowledge, skills and ethics for the Credit Counselling and Financial Coaching profession.

OACCS sets the standard of required expertise for the financial counselling industry as the only organization to offer the exclusive professional designation of Accredited Financial Counsellor CanadaSM(AFCCSM). Counsellors who have achieved their AFCCSM designation provide Canadians with access to the best independent and specialized personal financial experts in the country.

Accredited Member of Canadian Association of Credit Counselling Services

The Canadian Association of Credit Counselling Services (CACCS) represents a Canada-wide network of accredited, not-for-profit agencies and affiliates offering preventive education and confidential services to clients experiencing financial difficulties.

With a focus on financial counselling education, accreditation of agencies and certification of Credit Counsellors, CACCS is also committed to national research and policy initiatives concerning personal finance and industry advocacy.

Accredited Member of Better Business Bureau with A+ rating 

BBB’s mission is to be the leader in advancing marketplace trust. We exist so consumers and businesses alike have an unbiased source to guide them on matters of trust. We provide educational information and expert advice that is free of charge and easily accessible. BBB Accreditation is an honour – and not every company is eligible. Businesses that meet our high standards are invited to join BBB. Businesses meeting BBB standards are presented to local Boards of Directors (or designees) for review and acceptance as a BBB Accredited Business.

Credit Association of Greater Toronto (CAGT)

The CAGT’s primary objective is to provide a forum for the exchange of ideas and concerns to educate members on current and proposed legislation, and to educate the public on the proper use of credit.

Learn More

As part of our commitment to maintaining open communication with our stakeholders, we offer access to our audited financial statements to interested parties.

To obtain a copy of the audited financial statements, please reach out to our designated contact person at [email protected] via email. They will assist you in fulfilling your request and provide you with the necessary information.

Please note that audited financial statements are confidential documents, and we will require you to provide a brief explanation of your request and your relationship to Consolidated Credit Counseling Services of Canada, Inc. We assure you that we will handle your request with the utmost confidentiality and use the information solely for the intended purposes.

Should you have any further inquiries or require additional information regarding our audited financial statements, please do not hesitate to contact us. We value your interest in Consolidated Credit Counseling Services of Canada, Inc and appreciate your understanding of our procedures to ensure the security and integrity of our financial information.

Thank you for your continued support and trust in our organization.

Meet Our Team

Jeffrey Schwartz 

Jeffrey Schwartz

As Consolidated Credit’s Executive Director, Jeffrey Schwartz has dedicated his career to assisting individuals and families in their pursuit of financial stability. He has served as the Director of the OACCS and CACCS, the leading national and provincial nonprofit credit counselling associations.

Learn more about Jeffrey Schwartz »

Robbie Shifman

Robbie Shifman joined Consolidated Credit Canada in April 2021 and is a major part of our team’s efforts to educate Canadians about how to get out of debt. As Community Outreach Manager, he is responsible for the development and delivery of financial education programs and workshops throughout the country.

Learn more about Robbie Shifman »

Robbie Shifman

Community Outreach

Whether it is through employee fundraising or volunteering, we believe in helping the communities in which we work. Learn about the charities and outreach programs we support.

Learn more about our community outreach initiatives »


Searching for a meaningful career? Want to help Canadian families realize their financial potential to build a better life? We are always looking for talented employees.

Learn more about the careers available at Consolidated Credit >>


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