Live Chat Credit Counselling

It’s now even easier to get all of your questions answered by a certified non-profit credit counsellor.

To get started, simply start chatting in the chat box on the bottom right corner of this page.

Live Chat credit counselling

We understand that when it comes to talking about debt, it can be easier to get it down in writing. Sometimes the idea of picking up the phone is overwhelming. That’s why you can now speak to one of our non-profit credit counsellors through live chat.

As a non-profit organization and Canada's first and longest-standing credit counselling agency, we've helped thousands avoid bankruptcy, become debt-free and achieve financial wellness.

Chat anywhere

Whether you’re on the bus, at work, or making dinner, you will get the same confidential, expert advice from a certificated credit counsellor. Our credit counselling services are always confidential, non-judgmental, and 100% free.

The best part? Following the chat, you'll receive a detailed email transcript so there’s no need to take notes. If time runs short, no problem. Life happens. Feel free to return whenever it suits you; we'll be here, ready to pick up where we left off.

It’s accessible

For those facing speech or hearing challenges, our chat service offers a seamless, accessible counseling option, eliminating the need for spoken words.

How does Live Chat counselling work?

Live Chat counselling is available Monday - Friday. Simply click on the chat box.
After entering your name and email address, you will be connected to one of our counsellors.
After you chat, we will email you a transcript of your conversation.

Frequently Asked Questions

What should I know about Live Chat Credit Counselling?

Credit Canada Live Chat counselling is confidential and free. You’ll experience the same expert advice without having to call or book an appointment. You can find more information about our Privacy Policy here.

When is the Live Chat Counselling available?

We operate our live chat counselling service Monday - Friday. Holidays are excluded.

What if I prefer to talk to someone on the phone?

No problem, we also have credit counsellors available on our phone line. Simply call us at 1.800.267.2272.

Our call centre hours are:
Monday - Thursday: 8am - 6pm (ET)
Friday: 8am - 5pm (ET)
Saturday: 8am - 4pm (ET).

What happens if I am disconnected?

No worries, come back when you can, and we can pick up the conversation from where we left off.

What happens if I run out of time and cannot continue my session?

You can return when you are able, or if you like, the counsellor you are speaking with can set up a time for a phone call or a future chat.

Can I switch to a phone call if I like?

Yes, if you would like to switch to a phone call, just let the counsellor you are chatting with know. They can call you immediately or at a time that works best for you.

Can I sign up on a Debt Consolidation Program through chat?

Yes, if you decide that you would like to sign up on a Debt Consolidation Program or if you would like a referral to a Licenced Insolvency Trustee, this can all be handled through chat.

We spoke with Becky about our situation and she gave us many great options to explore without being judgmental or making us feel embarrassed or ashamed. This is definitely a good place to start if you need help. Don't be afraid to pick up the phone and give them a call to get back on the right financial track. We no longer have sleepless nights worrying. Thanks Becky for being such a genuine caring person, it’s very rare nowadays.

- UnicornProductionsBK

Becky Western-MacfadyenCredit CounsellorLearn More →

I would like to thank the staff at Credit Canada, especially Randolph for his patience, professionalism and for making the experience a lot less intimidating than I thought it would be. I would definitely recommend Credit Canada to anyone who has gotten themselves into an awkward financial situation and needs to know how to deal with it. Look no further.

- Gail Anne GR

Randolph TaylorCredit CounsellorLearn More →

I had tried another place before coming here and the difference in time and knowledge was like night and day. Cathy was so insightful and didn't rush me out the door, or make me feel like any question I had was dumb. She really helped direct me on the road of debt recovery and I felt empowered leaving her office. Thank you.

- Melissa DiCicco

Cathy PlowmanCredit CounsellorLearn More →

Sandy is absolutely incredible. I had the pleasure of working on a Debt Management Program with her 2.5 years ago. She taught me financial skills, budgeting, learning to work with my money, and motivated me to reach my goal. I paid off $10,000 in debt in 9 months. Today, after my 2-year mark, she wrapped up my account and helped me with credit building options for the future. So relieved, grateful and happy I had the opportunity to work with Sandy and Credit Canada.

- Kaitlyn Ouimette

Sandy DaykinCredit CounsellorLearn More →

If you're experiencing issues with your debt, this is the place you need to contact. I have nothing but great things to say about Credit Canada and specifically my Credit Counsellor, Jean Riddell. She went above and beyond helping me get my situation corrected. Thanks again Jean!

- James Steel

Jean RiddellCredit CounsellorLearn More →

Today I had my assessment with Randolph and he is going to be able to help me have a brighter financial future. Having someone like Randolph who took his time to explain everything and make sure I was able to understand it was just amazing. I would like to thank you and your team for helping me take the first step.

- Darlene Salmon

Randolph TaylorCredit CounsellorLearn More →