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Money Management & Budgeting The Cost of LivingCreditCanada.com2019 Credit Canada Debt Solutions. All rights reserved. No part of this publication may be reproduced or transmitted in any form or by
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Gather your financial documents, including income statements, bills, and debt statements.
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Research accredited credit counseling agencies in your area.
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Contact the agency to schedule an appointment, either online or in person.
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Prepare for your session by summarizing your financial situation and listing your goals.
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During the session, discuss your debts, income, and expenses with the counselor.
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Ask questions about the services offered and the fees involved.
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Follow the counselor's recommendations, which may include budgeting strategies or a debt management plan.

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Individuals struggling to manage credit card debt.
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Families needing assistance with budgeting and financial planning.
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Credit counselling is a service that provides individuals with guidance on managing their debt and improving their financial situation. It includes budgeting advice, debt management plans, and financial education.
Individuals who are seeking debt relief or filing for bankruptcy are generally required to complete credit counselling as part of the process.
To fill out a credit counselling form, provide your personal information, financial details, and the specifics of your debt. Additionally, include any income and expenses to help the counsellor assess your situation.
The purpose of credit counselling is to help individuals understand their financial position, develop a manageable budget, and explore options for debt relief.
You must report personal information, income, expenses, debts, and any assets during the credit counselling process.
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