Free Credit Counselling in Mississauga | Non-Profit Debt Help

Free, Non-Profit Credit Counselling in Mississauga

Mississauga is one of Canada’s largest and most diverse cities, and for many residents, it’s also a place where the cost of living is climbing faster than paycheques. If debt has started to feel unmanageable, you’re not alone, and you don’t have to figure it out on your own.

Credit Canada is Canada’s first and longest-standing non-profit credit counselling agency. Since 1966, we’ve helped Canadians across the country (including across Mississauga and Peel Region) find a way forward. Our local team offers Mississaugans free, confidential credit counselling by phone or in-person, so you can get personalized guidance without rearranging your schedule.
Get Debt Relief Now
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Free and confidential support with no pressure to enroll in a program.

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Serving all of Mississauga and the surrounding Peel Region.

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Dedicated resources for newcomers to Canada.

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Get started by speaking with a certified Credit Counsellor.

Why Choose Credit Canada in Mississauga

With over 60 years of experience, Credit Canada has a long history of supporting Canadians. More than 2 million people have turned to us for guidance, resulting in over $500 million in debt resolved and a fresh start for families across the country. Our certified Credit Counsellors bring an average of 15+ years of hands-on experience to every conversation, providing confidential and personalized plans with no obligation to enroll.

To better serve Mississauga’s diverse communities, we are proud to offer this expert support in multiple languages.

Recognized and Accredited Across Canada

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Credit Counselling Canada (CCC) Member

As an accredited member, we meet or exceed national standards for non-profit credit counselling and service delivery, giving you peace of mind that your support is confidential, reliable, and safe.

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CFC™ Designation, Awarded by the Canadian Association for Financial Empowerment (CAFE)

Our Credit Counsellors hold the Certified Financial Counsellor (CFC™) designation.

 

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Better Business Bureau (BBB) A+ Rating

We are proud to maintain an A+ rating, reflecting our dedication to transparency, trust, and exceptional service for Canadians seeking debt relief.

Get Credit Counselling in Mississauga

Credit Canada supports individuals and families throughout Mississauga and the surrounding Peel Region, including Port Credit, Streetsville, Cooksville, Meadowvale, Erin Mills, the Square One area, Malton, and Clarkson.

Our Mississauga office is currently offering services through phone appointments only. That means you can speak with a certified Credit Counsellor from wherever you are. You can also chat anytime with Mariposa, our AI-powered debt management agent, available 24/7.

Support for Newcomers to Mississauga

Mississauga is home to one of the largest newcomer populations in the country. If you’re new to Canada or still building your credit history, Credit Canada offers free programs and tools designed specifically for you:

How Credit Counselling Helps You Get Out of Debt

Our free credit counselling starts with a conversation: no paperwork, no commitment, no judgment. When you speak with a certified, non-profit Credit Counsellor, you can expect:

  • A clear look at where you stand: income, expenses, and debts, all in one picture.
  • A practical plan that fits your real life, not a generic template.
  • Straightforward answers about your options, including budgeting tools and credit rebuilding strategies.
  • An honest assessment of whether a Debt Consolidation Program, which combines unsecured debts into one monthly payment with reduced or stopped interest, is the right fit for you.

Is This Right for You?

Credit counselling may help if any of this sounds familiar:

  • Your balances aren’t going down, even though you’re paying every month.
  • Creditors are calling, and it’s getting harder to keep track.
  • Relying on credit cards or short-term loans has become part of your monthly routine.
  • Money worries are starting to affect the rest of your life.

Debt Relief Options Available in Mississauga

There are several ways to address debt, depending on your situation. A Credit Counsellor can help you understand which option fits your needs.

Credit Counselling

Get personalized advice, budgeting support, and a clear plan to manage your finances and reduce debt.

Debt Consolidation Program

Combine your unsecured debts into one manageable monthly payment, often with reduced or stopped interest negotiated with your creditors.

Financial Coaching

(Credit Canada GOLD)

Our structured six-week coaching built on behavioural science and peer support, designed to help you build lasting financial habits alongside debt relief. 

Consumer Proposal

A legal process administered by a Licensed Insolvency Trustee (LIT) that allows you to settle your debts for less than you owe. Credit Canada can help you understand whether this option is right for you and refer you to a trusted LIT professional.

Bankruptcy

A formal legal process that eliminates most debts. If appropriate, a Credit Counsellor can guide you through what bankruptcy means and connect you with an LIT.

How to Choose a Credit Counsellor in Mississauga

Not all debt help is created equal. Choosing the right credit counselling agency is just as important as choosing the right debt solution. Here are a few things to look for: 

  • Confirm they’re a non-profit organization. For-profit and “debt settlement” companies operate differently and often cost more.
  • Check for accreditation. Look for credentials that demonstrate professionalism and industry standards, like CCC membership and CFC certification.
  • Ask about fees upfront. Any reputable organization will explain costs clearly before you commit to anything.
  • Read verified reviews. Long-standing organizations with real client feedback are generally a safer choice than newer, aggressive advertisers.
  • Watch for red flags. Guarantees, high-pressure sales tactics, and upfront payment demands are all signs to walk away.

What Clients Say About Credit Canada in Mississauga

Randolph was very helpful, patient and understanding. He laid out all my options and went through them thoroughly with me to ensure I understood everything. He was very knowledgeable on every option I had and knew what he was talking about as well as explained in a way to understand and not be confused. Thank you for the great service and advice!

— Brittany

I worked with Brandon at Credit Canada while exploring my debt management options, and he was exceptional; patient, transparent, and genuinely focused on helping me understand my situation rather than pushing for a signup. He answered every detailed question promptly and honestly, and when I decided to try a different approach first, he was completely gracious about it. If you're considering Credit Canada, ask for Brandon. You'll be in great hands.

— David

Cathy Plowman was very informative and very pleasant. She did not make you feel like you're alone in this situation. A lot of people are in the same boat especially in today's economy. It helps to know that there is a solution suited for anyone who needs help with their debt. And they're a non-profit not out there to make money but to help someone like me.

— Rita

Randolph was professional, patient, and compassionate throughout our conversation regarding debt relief. He took the time to explain my options clearly, answered all of my questions, and made me feel heard and supported during what can be a stressful situation. His kindness, knowledge, and willingness to help made a significant difference in my experience. Thank you for providing such excellent customer service.

— NiNoo

I cannot express enough how grateful I am to have been supported by Craig Stewart at Credit Canada. From the very first conversation, his patience and kindness shone through. I asked hundred of questions, sometimes more than once and sometimes repeating myself and yet Craig never once grew impatient or changed his tone. His calm and compassionate approach made me feel heard and valued, even during my most anxious moments.

— Maria

I was unsure who to talk to about my debts. I originally went to a bank to discuss consolidation but they only wanted to profit off of my situation by charging extremely high interest over a short repayment period. Credit Canada (Cathy) answered my call right away, listened compassionately and took detailed notes, then discussed what options I had available. They even talked next steps and put me in touch with a trustee to get more information. No commitment. No fuss. Definitely worth contacting.

— Stefan

Speak With a Credit Counsellor in Mississauga

If you’re ready to take the next step, help is available. Our Mississauga team is here to listen:  no judgment, no pressure, no obligation.

All counselling is free, confidential, and focused on helping you find the best path forward.

  • Phone:
    • Local: (905) 600-2031
    • National: 1 (800) 267-2272
  • Hours:
    • Monday–Thursday: 8 am – 6 pm (ET)
    • Friday: 8 am – 5 pm (ET)
    • Saturday: 8 am – 4 pm (ET)
  • Prefer to chat with personalized AI support, available 24/7? Ask Mariposa.

Frequently Asked Questions

Have questions? We are here to help.

Is credit counselling free in Canada?

Will credit counselling affect my credit score?

What kinds of debt can be included in a Debt Consolidation Program?

How quickly can I speak with a Credit Counsellor?

Get Out of Debt. Get Back Into Life.
Speak to a Certified Credit Counsellor