Free Digital Debt Assessment

For more than 50 years, Credit Canada has been providing debt relief to people just like you. As a non-profit organization and Canada's first and longest-standing credit counselling agency, we've helped millions avoid bankruptcy, become debt-free and achieve financial wellness.

How Does the Digital Assessment Work?

First, you will receive an automated email with a secure link to complete your Digital Assessment within 2 minutes. If you don’t see it right away, be sure to check your filtered and spam email folders.

During this process, we will:

Ask about your finances

Work out your budget

Ask about your debts

Review your debt relief options

There’s no one-size-fits-all approach to getting out of debt. When you’ve completed your online debt assessment, one of our certified Credit Counsellors will review your information and email you a personalized plan based on the information you provide.

Are you ready to get started? You’ll need:

Your income and expenses

This information will help us to understand your budget.

A list of assets

It is helpful for us to understand the current market value of the assets you own.

A list of your debts

This will allow us to understand which solution would be best for your situation.

Need Help Getting Started?

If you have any questions as you complete the Digital Assessment, or if you prefer to speak to a Credit Counsellor now, you can connect with our team in any one of these three ways:

Through live chat. The hours of operation are Monday to Friday, 10:00 am to 4:00 pm (ET).
By email at info@creditcanada.com.
By calling our main office at 1(800)267-2272. The hours of operation are Monday - Thursday: 8:00 am - 6:00 pm (ET), Friday: 8:00 am - 5:00 pm (ET), and Saturday: 8:00 am - 4:00 pm (ET).

Start Your Free Digital Debt Assessment

Fill out the form, and we will email you a secure link to complete your Digital Assessment.

The information you enter here is 100% confidential.

Digital Assessment FAQs

Is my information kept confidential?

All of your information will be kept confidential and secure. We will ask you to review our privacy policy before you start.

How long does the Digital Assessment take?

15 - 20 minutes.

What should I have handy while I complete the Digital Assessment?

Bank statements
Credit card statements.

What happens if I don’t finish?

No problem. You can return and complete the Digital Assessment at any time. Just click the link in your registration email to pick up where you left off.

What happens when I complete the Digital Assessment?

You’ll receive an email with a copy of your budget and a list of the debts you entered.

A certified Credit Counsellor will review your Digital Assessment and contact you by email with personalized recommendations by the next business day.

You’ll finally have control over your debt and a path forward.

Get out of debt. Get back into life.

Take the first step towards a debt-free life by completing our online debt assessment today.

Get Started

What Our Clients Say About Our Counsellors

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-Macfadyen Credit Counsellor Learn 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 Daykin Credit Counsellor Learn 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 Taylor Credit Counsellor Learn 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 Riddell Credit Counsellor Learn 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 Plowman Credit Counsellor Learn 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 Taylor Credit Counsellor Learn More →