Searching for Credit Counselling

Offers a full range of debt relief options, including consumer proposals, bankruptcy, and debt relief

Services offered:

• managing debt
• stop a wage garnishment
• stop collection calls
• eliminate credit card debt
• dealing with tax debt
• student loan debt relief

Trustee in bankruptcy and consumer proposal administrator

• bankruptcy
  
• consumer proposal
  
• orderly payment of debts
  
• debt consolidation
  
• credit counselling
  
• informal debt settlement
  
• other options

Provision of emergency food/grocery assistance

• assistance can be provided once every 60 days
• Christmas Hampers include grocery store gift cards and toys for low-income families (toys for children 0-11 years, a gift card for youth aged 12-14 years)
• Adventure camp (ages 6-15 years)
• backpacks for children and youth attending school
• informal counselling: (individual, family & budgeting)

Debt management services include:

• navigating the process of filing for bankruptcy
  
• drafting a practical proposal to creditors (consumer proposal)
  
• developing better budgeting and money management skills through credit counselling
  
• connecting with other debt consultants and professional advisors in situations where filing for bankruptcy or making a proposal are not suitable solutions

One-on-one financial counselling and financial literacy support.

Services include:

• Drafting and updating a household budget
• Organizing and explaining bills, paperwork, collection letters, government forms, credit reports
• Calls to creditors to negotiate debt repayment
• Calls to services and utilities to negotiate better service for the same or less cost (such as home phone, mobile phone, internet, etc.)
• Calls to government agencies to rectify issues or access new program supports
• Discussion and encouragement around modifying spending habits to better live within income assistance
• Assistance with application forms: government, housing supports, etc.

The Credit Counselling Society offers programs, education and support from a credit counsellor for:

• Debt repayment
• Debt problems
• Money management
• Debt settlement
• Dealing with creditors
• Bankruptcy

By Peaceful Waters offers professional therapy and counselling services for individuals, couples, families, children, and groups, including Art, Music and Play therapy. Provide Mediation Services and Child Centered Divorce Services that support families with Financial and Parenting Plan Mediation, Parenting Plan Coordination, Voice of the Child interviews, Email Moderation, and more. Other services include Spiritual Direction, Parenting Coaching, Life Coaching, Hormone Nutrition Counselling, workshops, and seminars.

Christians Against Poverty provides debt and credit counselling along with budgeting help through professional debt counsellors.

Services include:

• building budgets based on income and expenses
• negotiating with creditors to stop interest on debts

6 week group that integrates financial and emotional health, facilitated by experts in both areas.

Provides free credit counselling, budgeting assistance, and debt repayment options to Canadians struggling with financial hardship.

By Peaceful Waters offers professional therapy and counselling services for individuals, couples, families, children, and groups, including Art, Music and Play therapy. Provide Mediation Services and Child Centered Divorce Services that support families with Financial and Parenting Plan Mediation, Parenting Plan Coordination, Voice of the Child interviews, Email Moderation, and more. Other services include Spiritual Direction, Parenting Coaching, Life Coaching, Hormone Nutrition Counselling, workshops, and seminars.

By Peaceful Waters offers professional therapy and counselling services for individuals, couples, families, children, and groups, including Art, Music and Play therapy. Provide Mediation Services and Child Centered Divorce Services that support families with Financial and Parenting Plan Mediation, Parenting Plan Coordination, Voice of the Child interviews, Email Moderation, and more. Other services include Spiritual Direction, Parenting Coaching, Life Coaching, Hormone Nutrition Counselling, workshops, and seminars.

Assists people in the community who are facing financial difficulty and are also committed to seeking long-term well-being and a better financial situation for themselves. Provides financial assistance while walking with program participants through regular one-on-one meetings where trained Barnabas Coaches from WMB Church work with participants to prepare realistic budgets, set goals, offer encouragement and pray.

Spiritwind Christian Centre (100 Crimea St) * Noah's Ark Childcare (95 Crimea St) * day care held on second floor of 95 Crimea St location (parking adjacent to 95 Crimea St)

* children and youth programs offered during worship service

Stores and maintains credit information about individual Canadian consumers for use by members of the credit reporting agency

• provides credit reports to individuals upon request
• provides information about fraud prevention and assistance

Consumer Website: ocs.transunion.ca provides access to Consumer Disclosure Report, the option to add/modify a Potential Fraud Alert, and open up an Online Dispute

• also provides educational resources and tools to help gain a clear understanding of credit history and the impact of financial behaviour, and guard against identity theft and financial fraud

Credit Report: individuals may obtain their Consumer Disclosure Report (complete account of all the information on your credit report) free of charge online, by mail, in person or by phone

Credit Dispute: individuals who do not recognize information on their credit report, or believe an item may be inaccurate, may request a free investigation

• credit information may be disputed, or personal information updated, online, by phone or by mail (see website for form)

By Peaceful Waters offers professional therapy and counselling services for individuals, couples, families, children, and groups, including Art, Music and Play therapy. Provide Mediation Services and Child Centered Divorce Services that support families with Financial and Parenting Plan Mediation, Parenting Plan Coordination, Voice of the Child interviews, Email Moderation, and more. Other services include Spiritual Direction, Parenting Coaching, Life Coaching, Hormone Nutrition Counselling, workshops, and seminars.

Services include:

• bi-monthly food hampers ; bread, baked goods and produce
• clothing, personal care items ; small household items
• baby items
• utility support ; transportation
• prescriptions ; glasses
• emergency accommodations ; mattresses
• referrals
• Christmas Hampers
• backpacks/School Supplies ; summer camp

By Peaceful Waters offers professional therapy and counselling services for individuals, couples, families, children, and groups, including Art, Music and Play therapy. Provide Mediation Services and Child Centered Divorce Services that support families with Financial and Parenting Plan Mediation, Parenting Plan Coordination, Voice of the Child interviews, Email Moderation, and more. Other services include Spiritual Direction, Parenting Coaching, Life Coaching, Hormone Nutrition Counselling, workshops, and seminars.

Community Family Services include:

• social services
• emergency food assistance
• Pathway of Hope
• spiritual counselling
• summer camp assistance
• budget counselling
• individual assistance on a case-by-case basis
• volunteer services
• referrals to all other Salvation Army institutions
• Christmas assistance program for families in need of support during Christmas

Services include:

• personal money management counselling by appointment
• mediation between debtor and creditor
• consumer debt repayment programs
• consumer credit education
• speakers available to employers, schools and community groups
• counsellors hold the professional designation of Accredited Financial Counsellor Canada (AFCC)

By Peaceful Waters offers professional therapy and counselling services for individuals, couples, families, children, and groups, including Art, Music and Play therapy. Provide Mediation Services and Child Centered Divorce Services that support families with Financial and Parenting Plan Mediation, Parenting Plan Coordination, Voice of the Child interviews, Email Moderation, and more. Other services include Spiritual Direction, Parenting Coaching, Life Coaching, Hormone Nutrition Counselling, workshops, and seminars.

Objectives are to relieve poverty for people of all abilities, through programs like:

Food Bank

• see here for more details

Household Goods and Clothing

• when made aware of individual needs for clothing and household goods, OPNC post's those specific needs on Facebook page
• if you have items that you would like to donate, please contact in advance (do not drop off unless need is confirmed)
• annual winter coat drive

Finding Hope in Poverty Support Group

• free counselling and peer to peer support group
• Wed 10 am-11:30 am
• contact hope@opnc.ca

Year Round Income Tax Clinics

• see here for more details
• contact support@opnc.ca
• or visit haltontax.ca

Micro Finance Loans

• can assist with low interest loans for those who would not otherwise qualify (subject to approval)
• contact support@opnc.ca for appointments

Canada Learning Bond

• Free Government Money for your child's education
• visit smartsaver.org for more details

Utility Bill Payment Assistance

• for more information see, Gas & Hydro Bill Assistance - Oakville
• contact community@opnc.ca or phone 905 257 6029 ext 105 for assistance
• Leap provides a one-time emergency payment for hydro and gas low-income customers who are in areears
• In addition, The Ontario Energy support Proram provides a monthly grant on your hydro bill of up to $80 / month

Financial Management Support

• budgeting, information and referral for support
• Wed & Thu 11:30 am-2:30 pm

Assistive Devices

• small inventory of items to give those in need
• ability to provide funding to purchase items
• contact hello@opnc.ca

Objectives are to relieve poverty for people of all abilities, through programs like:

Food Bank

• see here for more details

Household Goods and Clothing

• when made aware of individual needs for clothing and household goods, OPNC post's those specific needs on Facebook page
• if you have items that you would like to donate, please contact in advance (do not drop off unless need is confirmed)
• annual winter coat drive

Finding Hope in Poverty Support Group

• free counselling and peer to peer support group
• Wed 10 am-11:30 am
• contact hope@opnc.ca

Year Round Income Tax Clinics

• see here for more details
• contact support@opnc.ca
• or visit haltontax.ca

Micro Finance Loans

• can assist with low interest loans for those who would not otherwise qualify (subject to approval)
• contact support@opnc.ca for appointments

Canada Learning Bond

• Free Government Money for your child's education
• visit smartsaver.org for more details

Utility Bill Payment Assistance

• for more information see, Gas & Hydro Bill Assistance - Oakville
• contact community@opnc.ca or phone 905 257 6029 ext 105 for assistance
• Leap provides a one-time emergency payment for hydro and gas low-income customers who are in areears
• In addition, The Ontario Energy support Proram provides a monthly grant on your hydro bill of up to $80 / month

Financial Management Support

• budgeting, information and referral for support
• Wed & Thu 11:30 am-2:30 pm

Assistive Devices

• small inventory of items to give those in need
• ability to provide funding to purchase items
• contact hello@opnc.ca

Family services offering food bank, basic needs and support services to low-income individuals and families in crisis

Financial Partnership Program - a voluntary money management program available to individuals and families receiving Ontario Works or Ontario Disability Support Program income

Other programs offered:

• Christmas hamper program
• anger management program
• conversation circle
• income tax clinic

Structured program sessions offered in the fall, winter and spring to educate parents throughout the community at various locations and times (pending enrollment). Childcare available for day programs only.Programs available include:

• Circle of Security - an 8- week program on strengthening and supporting parent - child relationships.
• Early Language Workships
• Small Wonders Baby Time - a 6-week interactive learning program for infants/toddlers and their parents
• Well Rounded Parenting with Self-Care - four-week program focusing on identifying harmful patterns and implementing healthy nutrition and lifestyle habits. Uses wellness perspectives to gain more insight into controlling everyday stressors and becoming a more well-rounded parent
• Smart Sense - six-week program focusing on awareness in making healthy choices in daily life activities. Topics covered include healthy eating/living, personal wellness, stress management, shopping on a budget, organizational/cleaning skills and communication
• Behavior at Its Best (2 to 10 years) - four-week program focusing on behavior management and relationship building. Topics covered include understanding the relationship between the parent and the child, repairing the relationship, understanding emerging behaviors and managing emotional regulation
• Cyber-Safety Workshop - detailed information regarding today's "digital generation" and the challenges children and youth face. An abundance of information to help equip parents and caregivers to take on these challenges that involve social media, on-line safety, cyber bullying and more.
• Raising Your Spirited Child - four-week program to educate parents on the temperamental traits of children who are more intense, sensitive, perceptive, persistent and energetic
• Making the Connection (Teens) - six-week program to educate parents on how to provide guidance and encourage independence in children 12-18 years.
• For the Sake of My Kids (Single and Co-parenting) - four-week program linked to separation and the impact on children and youth. Offers insight on how children and youth process separation and the effects negative dialogue between parents can have on self-esteem and self-worth. Learn a variety of personal coping methods to better prepare to be single parents and helpful tools to create a positive and mature relationship as a co-parent.
• Mindfully Parenting - four-week program focusing on a mindful approach to discipline without yelling, shame, blame or pain. Promote a deeper understanding of parents themselves, their triggers and how to manage them. Learn how to connect with children in simple, playful ways.