Nestled in the northern part of Toronto, North York is a diverse and bustling district with a blend of urban and suburban neighbourhoods. Once a separate city, North York has transformed into a vibrant area known for its rich cultural diversity, sprawling parks, and a mix of residential and commercial spaces. From the bustling shops and restaurants of Yonge Street to the tranquil greenery of Downsview Park, North York offers a unique blend of experiences.
Of course, living anywhere in Canada can be expensive, especially when you’re struggling with debt. If you’re feeling overwhelmed by your financial situation, struggling with high interest rates, or finding it difficult to keep up with minimum payments, you may want to consider debt counselling in North York with Credit Canada. We offer non-profit debt counselling, debt relief, and debt consolidation loan services either by phone, video or at our North York office located on Sheppard Ave E.
90 Sheppard Ave E., Suite 304
Toronto, ON M2N 3A1
416.228.3328
info@creditcanada.com
Mon-Thur: 8am - 6pm (ET)
Friday: 8am - 5pm (ET)
Saturday: 8am - 4pm (ET)
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Complete a full review of your financial situation, including a debt assessment which looks at your monthly income, expenses, and debts—and discover ways to save. |
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Help you develop a money management plan and budget to get your finances back on track and eliminate debt. |
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Explore various debt relief solutions that are best suited for your unique situation without having to resort to bankruptcy in North York. |
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Explain how we can stop collection agency calls, stop the interest on your debt, and lower monthly payments. |
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Teach you how to build your credit, improve your credit score, manage a budget, and increase savings—all so you can live debt-free. |
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If applicable, enroll you in a Debt Consolidation Program to address your debts, or find another solution such as a consumer proposal that puts you in control of your finances. |

Unlike debt consolidation loans, you’re not borrowing more money. Instead, a Debt Consolidation Program is an arrangement between you, your creditors, and Credit Canada that provides debt relief. Here’s what the program can do for you:
Josie made the experience so pleasant, so clear, so much knowledge. It has been overwhelming. Thank you Josie for your expertise, I am at peace.
- Carla Barata
Josie D’AddarioCredit CounsellorLearn More →
Doris was not only wonderful to meet with but she also provided me with multiple options that I could choose to take in order to achieve my goal of a debt free life. I thought claiming bankruptcy would be my only option, however that all changed when I was provided with much needed information. Doris and I looked at my finances and budget and devised a repayment plan that would work. I left her office with a feeling of relief to the non stop phone calls and happy. I am excited to work with her toward my debt free life. I would like to thank her and I recommend Credit Canada Debt Solutions to anyone experiencing the same scenario as I. They helped me see there was light at the end of the tunnel.
- Ana
Doris AsieduCredit CounsellorLearn More →
From the very first phone call, he demonstrated an incredible depth of knowledge and a genuine passion for helping people regain control of their finances. Despite not meeting in person, he took the time to truly understand our unique situation, patiently explained all our options, and guided us step-by-step through the process, ensuring we felt confident and informed every step of the way. What stood out most was his compassion and non-judgmental approach, which made us feel supported and reassured during such a stressful time. Craig went above and beyond, always making himself available to answer our questions and address any concerns promptly and thoroughly. Thanks to his expertise and dedication, we are now on a clear path toward financial stability and can finally see a brighter future ahead. We cannot thank Craig enough for his help and highly recommend his services to anyone seeking trustworthy and effective debt resolution support.
- Paul Steff
Craig StewartCredit 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 →
Very pleased with my service so far! Cathy was very understanding that people get into sticky situations and I felt no judgement at all. I was referred to Credit Canada by a friend of the family and their services are holding true with me. Thank you!
- Dayna Lewis
Cathy PlowmanCredit 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 →
Jean in Barrie is wonderful to work with. She made things clear and as painless as they could be. She encouraged us along the way, went to bat for us when things were complicated, and we are happy and proud to have sorted out our finances while establishing better habits during the repayment process.
- Susan Kendal
Jean RiddellCredit CounsellorLearn More →
Credit Canada Debt Solutions was a blessing to me and my family in our time of need. Talking with Doris really enlightened me to better options than bankruptcy. After my appointment, it felt like a great weight was lifted off my chest. I would suggest this to anyone who's in the same situation.
- Kris Jayasingha
Doris AsieduCredit CounsellorLearn More →
Very helpful. Randolph was great to work with. His professionalism, kindness and dedication was beyond what I could ask for.
- Kim Otaguro
Randolph TaylorCredit 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 →
My visit with Cathy at Credit Canada was extremely helpful. Cathy was very friendly and empathetic of my situation and offered the best solutions for me. I would definitely recommend going there if you are feeling anxious about your current debt.
- Bianca Marini
Cathy PlowmanCredit 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 →
I was nervous and a bit scared but Jean was so amazing. She knew exactly what I was going through! I can’t thank her enough!!!
- Captain Roblox
Jean RiddellCredit CounsellorLearn More →
Kaela is the best counsellor, one of a kind of a human being and deserves a raise for being so spectacular. I hope her employer sees this because never in my life I've come across someone so helpful, knowledgeable, patient, understanding and non judgemental. I can't thank Credit Canada and Kaela enough for all the hard work, helping me navigate through this stage in life and the whole process. A lot of us in the world may reach a stage in life where we never imagined we'd ever be in; just know that there is help out there and there are good people in this world. Credit Canada is helping me through this difficult time, to stay alive, to start over fresh again when I've hit rock bottom. Kaela is the kind of soul who doesn't just do her job, she goes above and beyond and deserves a lot of praise. I'm just out of words to say. I now have some motivation to live on and continue with my life and the fight is not over yet. Thank you once again from the bottom of my heart...
- Samantha S. Heng
Kaela BaldCredit CounsellorLearn More →
Anna was professional and very helpful. She gave me a optimistic view on a very stressful situation and put together a plan that I can succeed at! Thank you Anna!
- Vinnie C
Anna GuglielmiCredit CounsellorLearn More →
My Credit Counsellor Jean was very patient and thorough while she took me through what was needed to determine my situation. I have a better understanding of where I stand and what my next steps are to eliminate my debt. I highly recommend Credit Canada Debt Solutions.
- Meaghan Ogilvie
Jean RiddellCredit CounsellorLearn More →
If I could give 12 stars I would. From the help desk to meeting Doris my credit counsellor, it was a great experience!! She was very courteous, took time to explain everything to me, made sure I understood easily. She made me feel comfortable through the entire process. She made me feel that she was there to help me and that I matter. Thank you Doris and Credit Canada.
- Marverley Powell
Doris AsieduCredit CounsellorLearn More →
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.
Craig is truly a rare genius in the financial world. He not only provided expert advice but also gave me confidence and peace of mind when I needed it most. His knowledge, patience, and kindness truly set him apart. Thank you, Craig, for your unwavering support and for starting to make a real difference in my life. As Tina Turner famously said, “You’re simply the best,” and Craig truly lives up to that.
- Maria De Los Santos
Craig StewartCredit CounsellorLearn More →

If you live in North York and your goal is to become debt-free, contact us today by calling (416) 228-3328 or complete the form on this page. All of our debt counselling is 100% free, confidential, and non-judgmental, and there's no obligation.
We understand life in North York can be quite expensive, so here are a few tips on how to save, whether it’s creating a monthly budget, tracking your spending, or both!
Understand how to create and keep a budget.
Track your spending for better money management and to determine where you can make cuts.
Forgo the car! Consider public transportation or ride-sharing options in and around North York to save a bundle on gas, car payments, and auto insurance.
Some things in life do come free! There are tons of free events happening every day.
Check out and subscribe to our blog for instant updates on money-saving tips and get-out-of-debt advice.
We know when it comes to choosing a Canada debt solutions company, you have many options. However, it’s important that you don’t pick the first company you come to (or that comes to you) out of desperation. There are many crooked companies out there willing to take advantage of your situation, making your financial situation even worse.
Working with Credit Canada, you can be confident that you’re in good hands knowing we will offer you the best debt consolidation solutions in North York. What makes us different?
For-profit credit counselling agencies charge just for a counselling session, and then charge high monthly fees when you enter a program. Not at Credit Canada. Our debt counselling is free, and if you sign up for a Debt Consolidation Program you’ll pay just a small set-up fee of $50 and a minimal management fee of 10% that’s included in your monthly payment .
Credit Canada has accreditation from both Credit Counselling Canada (CCC) and the Association for Financial Counselling & Planning Education (AFCPE).
As a non-profit organization, Credit Canada will never take advantage of you. In fact, we are constantly lobbying against scams and companies making unrealistic promises. As stated on the Government of Canada’s website, a non-profit “is a club, society, or association that's organized and operated solely for social welfare, civic improvement, pleasure or recreation, or any other purpose except profit.”
Some shady companies have been known to change their names frequently so people aren’t able to find dirt on them online or through reviews. Credit Canada has been around for over 50 years, and you’re also welcome to check out our Google Reviews, where we’re proud to say we’ve received an impressive 4.1 out of 5. In addition, we’re often a featured expert in the press, such as the Financial Post, The Globe and Mail, the Toronto Star, and more.
Today, more than half of all Canadians say they’re concerned about their debt, and nearly 50% don’t believe they’ll be able to cover their expenses over the next few months without increasing their debt. If this sounds like you, let’s talk. We’ve been in the business of helping Canadians for over 50 years, and our certified Credit Counsellors have years of experience. Our North York Credit Counsellors will never judge your situation, and never pressure you to enter a program you’re not interested in. Of course, you don’t have to just take our word for it. Our clients have plenty of great things to say, too!
If you want debt relief without declaring bankruptcy in North York, give us a call at (416) 228-3328 or fill out the form on this page. Our free debt assessment and money management advice is confidential, non-judgmental, and there's no obligation.