Credit Counselling Society Kitchener-Waterloo | Free Debt Help and Debt Relief

Credit Counseling Service, Debt Relief Services, Community Service/Non-Profit

22 King St S Ste 300, Waterloo, ON N2J 1N8

About Credit Counselling Society Kitchener-Waterloo | Free Debt Help and Debt Relief

The Credit Counselling Society Kitchener-Waterloo provides quick and professional assistance for those seeking debt help. Customers appreciate their fast response and courteous service from knowledgeable credit counsellors who are easy to talk to. The organization helps identify excessive debt, develop repayment plans, and negotiate with creditors. They also offer free courses on budgeting and managing household expenses. During the Debt Repayment Program, clients receive support from dedicated case workers, helping them avoid bankruptcy or consumer proposals and recover their credit more quickly. Overall, the society is seen as a helpful resource for anyone feeling overwhelmed by debt who wants to regain control of their financial health.

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Reviews for Credit Counselling Society Kitchener-Waterloo | Free Debt Help and Debt Relief

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  • Jun 2026

    So helpful and put me at ease from the very beginning. Was much faster to get help as well. Thought after the intake call I’d wait for a week or so before getting a call. It was the same day at the time I requested. She was very thorough and made me feel like I can do it

  • Nov 2025

    I was truly terrified to make the call and I'm certain Pearl knew it when we were talking. She was so gentle and kind and that alone made all the difference in the world. I did exactly what she suggested and I can say the ball is now moving in the right direction. Thank you Pearl I sincerely appreciate the time you took with me.

  • Nov 2023

    Credit Counselling Society helped me identify my excessive debt, develop a plan for repayment, negotiated terms with my creditors on my behalf, provided free courses for budgeting and managing household expenses, and offered support from a dedicated case worker while completing a Debt Repayment Program. This allowed me to avoid a Consumer Proposal or Bankruptcy, and will allow my credit to recover more quickly than with a CP or Brankruptcy. If you have any amount of debt that feels unmanageable and you want to make a change, CCS will be able to help you regain control of your financial health and turn your life around for the better.

Hours

Monday: 8:30AM - 11PM
Tuesday: 8:30AM - 11PM
Wednesday: 8:30AM - 11PM
Thursday: 8:30AM - 11PM
Friday: 8:30AM - 7:30PM
Saturday: 10:30AM - 6PM
Sunday: Closed

Tips

 online appointments  onsite services not available open to all

Location

22 King St S Ste 300, Waterloo

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