Kitchener Debt Consolidation and Credit Counselling

Credit counselling and debt consolidation programs in Kitchener, Ontario

Who we are

Consolidated Credit is a national non-profit credit counselling organization that educates consumers about personal finance and has helped over half a million Canadians tackle their debt.

Our mission

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

How we can help you

Consolidated Credit provides consumer credit counselling services to residents of Kitchener, to help debt-stressed consumers find solutions for credit card debt. The process starts with a free credit counselling session to review your debts, credit and budget. This helps your trained credit counsellor understand your situation, so they can recommend the best solution for your needs. If you aren’t able to get out of debt on your own, the credit counsellor can also help you enroll in a debt management program, which can consolidate your debts into one payment.

These case studies come from real clients of Consolidated Credit who successfully consolidated their debt with this program. The results show you how much you could potentially save, if a debt management program turns out to be the right solution for your needs.

Real Case Studies


Helen just wanted to say thanks

Great people. Thanks.
Helen S from Kitchener, ON

Where she started:

  • Total unsecured debt: $27,832.00
  • Estimated interest charges: $15,940.37
  • Time to payoff: 14 years, 1 months
  • Total monthly payments: $1,113.28

After DMP enrollment:

  • Average negotiated interest rate: 0.83%
  • Total interest charges: $124.90
  • Time to payoff: 3 years, 3 months
  • Total monthly payment: $725.00

Time Saved: 10 years, 10 months

Monthly Savings: $388.28

Interest Saved: $15,815.47

Insolvency statistics for Kitchener, ON

Ontario20202019% Change
Total Insolvencies33,99244,852-24%
Consumer Proposal24,77930,275-18%
Bankruptcy9,21314,577-37%
Kitchener20202019% Change
Total Insolvencies3,4314,552-25%
Consumer Proposal2,5113,008-17%
Bankruptcy9201,544-40%
Source: ic.gc.ca,

Ontario credit counselling contact information:

If you’re struggling to get out of debt, please contact us for a free credit counselling debt and budget evaluation. Most credit counselling is conducted over the phone. However, if you would prefer to meet with a trained credit counsellor in person, please email us to make an appointment at our Toronto office.

Phone: (844)-609-9625

Email: [email protected]

Where to find us:

Location (by appointment only):

505 Consumers Road, Suite 400

Toronto, Ontario M2J4V8

Ontario hours of operation (call centre):

Monday: 8:30 AM – 9 PM
Tuesday:  8:30 AM – 9 PM
Wednesday: 8:30 AM – 8 PM
Thursday: 8:30 AM – 8 PM
Friday: 8:30 AM – 6 PM
Saturday: 9 AM – 2 PM
Sunday: Closed

We’re here to help you!

If you’re looking for debt consolidation services in Kitchener, or simply seek answers to questions about your finances, we have professional answers. Call (844)-402-3073 and a trained credit counsellor will be pleased to assist you.

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