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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!


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
Call toll free 1-888-738-3328
About Us
CCSNL is an accredited, charitable family service agency promoting financial well-being through free counselling and consumer education

Credit Counselling Services of Newfoundland and Labrador is a charity founded in 1982 (incorporated in 1983) overseen by a Volunteer Board of Directors. We are a Family Service Agency providing confidential credit and budget counselling to individuals and families through face-to-face interaction, by telephone, or online requests. When appropriate, we provide additional support through a Debt Repayment Program (DRP), which is an effective alternative to Consumer Proposals and/or Bankruptcy.

For 35 years we have provided financial counselling and other supportive and practical services to over 26,000 families. Every year we help almost 1,000 families repay their debt, maintain their dignity, privacy and self-respect.

We Offer:

  • Professionally educated and trained counsellors
  • Affordable repayment programs
  • Personal finance tools which will help you become debt free and financially independent

Our Credit Counselling Services Include:

  • Individual and household budgeting
  • Debt repayment programs
  • Alternatives to Bankruptcy/ Consumer Proposals
  • Communicating with creditors
  • Community education

Our primary role is to provide confidential and unbiased counselling services that help individuals and families regain financial independence through ongoing support.

Contact us today by phone or our website to arrange a FREE initial consultation. Remember… you have options; we’ll help you discover them.


Al Antle


Executive Director

Anders Jensen


Financial Counsellor

Patricia Sweetapple

1N2A3228 2

Client Accounts

Kayla Winsor


Staff Accountant

Lauren Holwell


Financial Counsellor

Board of Directors

Al Antle, Secretary
Executive Director

Erin Oldford, Director
Memorial University

Christine Clouston, Director

William Janes, Director
Retired Private Citizen

Sharon Tiller, Director
Memorial University

Peter Reddy, Director
Private Citizen

Jean Babstock, Chair
Private Citizen

Lara Fraize-Burry, Director
Fraize Law Offices


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

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