Toronto Debt Consolidation and Credit Counselling

Credit counselling and debt consolidation programs in Toronto, 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 Toronto, 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


Alexander was under so much stress

My experience with Consolidated Credit has been awesome. I was in so much stress and as soon as I was talking with my consultant, I felt a lot better. They are really kind and very understanding and were able to come up with a solution for me that made sense and made things so much easier. I appreciate all the help and this program is something I would 100% refer friends and family too. Everyone deserves to be debt free. Thank you.

Alexander from Toronto, ON

Where he started:

  • Total unsecured debt: $12,063.00
  • Estimated interest charges: $6,138.53
  • Time to payoff: 11 years, 1 months
  • Total monthly payments: $491.32

After DMP enrollment:

  • Average negotiated interest rate: 0.00%
  • Total interest charges: $0.00
  • Time to payoff: 3 years, 0 months
  • Total monthly payment: $333.00

Time Saved: 8 years, 1 months

Monthly Savings: $158.32

Interest Saved: $6,138.53


Melania needed help

Great Experience!

Melania from Toronto, ON

Where she started:

  • Total unsecured debt: $9,250.00
  • Estimated interest charges: $5,044.26
  • Time to payoff: 9 years, 6 months
  • Total monthly payments: $370.00

After DMP enrollment:

  • Average negotiated interest rate: 1.25%
  • Total interest charges: $371.08
  • Time to payoff: 4 years, 3 months
  • Total monthly payment: $192.00

Time Saved: 5 years, 3 months

Monthly Savings: $178.00

Interest Saved: $4,673.18

Insolvency statistics for Toronto, ON

Ontario20222021% Change
Total Insolvencies34,73630,32714.5%
Consumer Proposal27,60322,74721.3%
Bankruptcy7,1337,580-5.9%
Toronto*20222021% Change
Total Insolvencies13,94412,17214.6%
Consumer Proposal11,5169,54620.6%
Bankruptcy2,4282,626-7.5%
Source: ic.gc.ca * stats are for the greater Toronto Metro area

Toronto 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

Toronto 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 Toronto, 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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BBB RATING: A+