Trusted Credit Counselors

Don't trust unqualified debt advisors! Talk to one of our credit counselors certified by the Canadian Association of Insolvency and Restructuring Professionals (CAIRP).

Struggling with debt? Don’t fall victim to unqualified advisors who promise quick fixes but lack the credentials to truly help. At our credit counselors are certified by the Canadian Association of Insolvency and Restructuring Professionals (CAIRP)—ensuring you receive trusted, ethical, and effective debt solutions.

Trust the Experts, Avoid the Scams

Don't trust unqualified debt advisors! Talk to one of our credit counselors certified by the Canadian Association of Insolvency and Restructuring Professionals (CAIRP).

Struggling with debt? Don’t fall victim to unqualified advisors who promise quick fixes but lack the credentials to truly help. At our credit counselors are certified by the Canadian Association of Insolvency and Restructuring Professionals (CAIRP)—ensuring you receive trusted, ethical, and effective debt solutions.

We Work With You, For You

Book a non-obligation consultation

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For over 20 years, we have worked with thousands of Canadians just like you and helped them towards a debt free life.

Take an action now! Follow 3 easy steps:
01

CALL US

Discuss your financial situation with one of our non-judgemental and friendly credit counselor

02

REVIEW

Know all the options that you may have at your disposal to eliminate your debt

03

TAKE ACTION

Embark on a journey towards securing your financial freedom

Debt Calculator

We have helped Canadians begin a fresh financial future for over 20 years, and we are here to help you too.

Ontario

416-780-1020

Manitoba

204-201-4333

Alberta

587-701-7888

How much debt are you in?

DISCLAIMER: This debt calculator is for estimated monthly payments and debt reduction only. The actual results depends on several factors like your income, any assets you own etc.

21+

Year Experience

What We Provide

At Credit Management Services, we understand the challenges that come with financial hardship.
And we want to help you regain your financial stability and confidence.

Some of the ways in which we can help:
  • Financial Assessment
  • Credit Counselling
  • Debt Reduction Strategies
  • Mortgage / Refinance Advice
  • Budgeting Assistance
  • Education and Guidance
  • Professional Referrals
  • Credit Rebuild assistance

Our Customers Say

Your reviews are confidential. Please feel free to let us know about our services.

"I had six credit cards and was paying $550 per month. Bank did not give me consolidation loan because I had bad credit. Then I met a Counsellor from Credit Management Services and my loans were reduced to one small payment of just $200. I’ll be debt free in 36 months. Credit Management Services is the best place to contact when you have a money problem.”

J.G.

I went to the office to file my Debt Settlement Proposal for reasons that I was laid off from my employer. The staff's was very friendly. She explained to me everything about the process. I found this office and turned out to be a very good company to help me with this matter. I was so thankful for the service that I have received. I really would recommend this company to my friends.

– Pedro Jonson

“I was afraid to pick my own phone. I was so confused and stressed all the time that I didn’t know what to do, but after meeting with a Counsellor from Credit Management Services , I felt very relaxed and he reduced my $34,000 debts to just half. Amazing…….. I can pick up my own phone now.”

M.M.

I felt relieve and overjoyed when Credit Management was able to reduce my debts without interest.I was treated with respect with no judgement and the staff who took care of me was really welcoming and kind and was very helpful. I will recommend this company anytime. In Fact I already recommended my friend.

– Luz viminda

“My husband was so stressed with these credit cards bills that once he forgot to stop at a red traffic signal. Fortunately no accident happened but I called Credit Management Services right away. Two weeks later my husband was back to normal stress free life.”

– Sandra Gates

“I went back home to get married, then I had to go again because my parent got sick. Because of that I had to borrow money from my credit cards and I also lost my job. I was in huge debts. Credit Management Services reduced my debts which I am paying in interest free monthly installments now and I can keep my car.”

– E.J.

Find Out An Effective Solution
That Can Help You With Following Debt

Business Debt

Business Tax

Car Loan Shortfall

Credit Cards

Line of Credit

Mortages Shortfall

Overdraft

Pay Day Loan

Personal Loan

Revenue Canada

Store Cards

Student Loan

Note:

  • We are a team of CAIRP certified credit counsellors who provide a personalized and comprehensive solution to manage your debt and lead you towards financial freedom.
  • Should a need arise to file a Consumer Proposal or bankruptcy, a LIT will be handling your file.

Contact Us

Our Locations

Toronto

Address
3200 Dufferin Street,
Suite 502, North York,
ON M6A 3B2 (Dufferin & Orfus)

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Scarborough

Address
150 Consumers Rd,
Suite 200, North York,
ON, M2A 1P9 (Sheppard & Victoria Park)

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Brampton/Mississauga

Address
2 County Court Blvd.,
Suite 235, Brampton, ON,
L6W 3W8 (Hurontario & Steeles)

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Kitchener

Address
675 Riverbend Dr, Kitchener, ON N2K 3S3 (Riverbend Dr and Lancaster St W)

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Calgary

Address
2340 Pegasus Way NE,
Unit#163 Calgary AB,
T2E 8M5 (48 Ave NE & Barlow Trail NE)

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