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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

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. Based on the outcome, he or she also develops an alternate repayment program for your creditors to consider. Generally speaking, 97% of these proposals are accepted and you will have a single, affordable, monthly payment. Simply put, you deposit to CCSNL monthly and we distribute the funds. The real savings is the significantly reduced interest rates that your counsellor will have negotiated.

What debt can be included in a Debt Repayment Program?

  • Credit Card Debt
  • Lines of Credit
  • Bank, Credit Union, or Finance Company Installment Loans
  • Furniture Loans
  • Retail Credit Cards
  • Payday/ Installment Loans
  • Buy Now, Pay Later Plans
  • Unsecured Debt

What debt cannot be included in a Debt Repayment Program?

  • Mortgages
  • Loans Secured by Vehicles or Other Equipment
  • Lease Payments
  • Other Secured Loans

If monthly debt payments are difficult to handle, or interest charges are a real roadblock to you becoming debt free, then a Debt Repayment Program may be just the solution you need.


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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