Credit Counselling Services of Newfoundland and Labrador  is located at the end of Queens Road just below Military Road, at Rawlins Cross and Prescott street. Contact us and schedule a credit counselling session with one of our professional credit counselors today!

Location

Our doors and ears are open Monday-Friday, from 8:30AM-4:30PM.

22 Queens Road
St. John's, NL A1C 1A5

(709) 753-5812
(709) 753-3390
info@ccsnl.ca
Call toll free 1-888-738-3328 info@ccsnl.ca

Welcome to Credit Counselling Services of Newfoundland and Labrador

Out-of-control debt and other financial worries are stressful! These things damage our life and the lives of people around us. Financial worries can affect mental health, cause trouble in relationships and complicated minor life events.  Your life does not have to be like that! At Credit Counselling Services of Newfoundland and Labrador we will work hard to make things better for you financially.

Our professionally trained credit counselors provide services to all residents of  Newfoundland and Labrador. Our credit counsellors will help deal with your financial concerns and help you find opportunities for positive change.

BOOK FREE APPOINTMENT

Our first commitment is guarding your privacy. Your counsellor will discuss this with you in great detail during your initial appointment.

We are a not-for-profit charitable organization dedicated to the financial wellness of all residents of Newfoundland and Labrador and have been operating for more than 30 years.

Credit Counselling Service

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A credit counselor will help you identify specific issues which may be at the heart of your financial woes, and we’ll look together at different solution options.

FREE!

Debt Repayment Program

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This is the service our clients find most helpful. You will meet with one of our professionally trained counsellors who will complete a total assessment of all your finances.

Talking with Creditors

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You’re faced with decisions. You may want to repay your debt but may not be able. With your counsellors help you will be able to deal effectively with creditors.

  • How can you help me?

    We will set an appointment for you to speak with a professional credit counsellor. During that appointment, your counsellor will review your financial situation, begin to design a personal budget, and provide you with other information and recommendations to help address your concerns.

  • Is there a fee for your service?

    Our counselling sessions are always free of charge; you may speak with a counsellor as many times as necessary, at no cost.

    If you choose to enroll in our Debt Repayment Program, a one-time setup fee will apply, along with a minimal cost recovery amount. Certain fees are always waived in cases of hardship.

  • How can you help with debt repayment?

    A Credit Counsellor will develop an alternative repayment process which is presented to creditors for consideration. Conditional to this proposal is a significant reduction in interest charges or their elimination entirely. Our proposals are generally accepted in approximately 97% of cases. Due to interest rate reductions, clients generally become debt free within five years. Once an agreement has been made with each creditor, they will be asked to contact us instead of the client with any questions or concerns until the debts are fully paid.

BOOK FREE APPOINTMENT

Our first commitment is guarding your privacy. Your counsellor will discuss this with you in great detail during your initial appointment.