No matter how desperate your situation, you've found the reliable source for qualified, confidential financial advice. Our Certified Credit Counsellors are here to help you explore all your options. We have a friendly working relationship with creditors. We can negotiate on your behalf with Banks, Credit Card Companies, Retailers, and Collection Agencies. In fact, last year (2011) approximately 10% of our clients reported they were referred by a creditor. We are a community based non-profit credit counselling service. We don’t ask you to pay fees for counselling. We don’t limit your time talking to a credit counsellor. When you come to us for help, we support you through the whole process. We give you the help you need, when you need it.