Searching for Credit Counselling

Financial advice and assistance for those on a low or fixed income. Money management consisting of

• budget counselling
• advocacy
• debt negotiation
• debt repayment plans
• financial planning
• bills paid direct by budget manager
• income taxes (for clients only)

Assists individuals with a developmental disability to live independently in their chosen community. APS workers engage directly with the individual through a person-centered, supportive approach to do the following:

• Provide advocacy, crisis intervention, and case management to support independent living
• Develop, implement, and maintain an Individual Support Plan (ISP)
• Support the individual in identifying personal strengths and needs to support social inclusion
• Inform the individual of their legal rights
• Assist the individual in identifying and developing a network of informal supports within the community (e.g. mentors, friends, extended family, etc.)
• Provide voluntary trusteeship services to assist with budgeting for necessary expenditures (e.g. rent, food, clothing, etc.)

The APS workers collaborate with community-based partners to ensure the rights of individuals with a developmental disability are respected. Supports and advocacy are also provided to assist with legal or housing issues that may arise. In addition, APS workers provide service navigation to youth entering the adult developmental services sector.

This service covers all aspects of debt assistance. Provides information on the options that are available and the process of personal bankruptcy. Provides financial counselling and guidance throughout the process.

Nutrition Workshops and Community Gardening

The ACCESS Nutrition Workshops

• introduces participants to simple, healthy and economical recipes to develop new skills; to handle and store food safely; and to expand nutritional knowledge.
• provides the food, the recipe and the instruction
• Participants leave with a healthy meal for their families, healthy substitutions ideas, knowledge about health and safety in the kitchen; and new social networks

The ACCESS Community Garden

• helps reduce food insecurity and promotes better nutrition and health
• promotes exercise, neighbourhood beautification, social interaction, contact with nature, better nutrition and health, stress reduction, stronger communities, increased green space, cultural and youth opportunities.

Gardens and Kitchens

• an ideal place for families, agencies and schools to work alongside one another, taste new foods and learn food safety

COVID-19 - 1st Come 1st Serve for Food Bank. If unable to pick up food due to illness, we will arrange for Red Cross to deliver to you but you MUST be home or you could loose your Red Cross delivery privileges.

Provides temporary assistance to individuals or families in need by way of

• food
• rent assistance
• ER medical and dental
• financial help
• budgeting
• furniture
• clothing
• appliances
• children's summer camp
• spiritual help

Yule Glow Christmas Hamper Program - Nov 12-Dec 3 - Call 519-336-2323 to register for Christmas assistance.

Irish Miracle Food Drive - Dec 3, St Pat's students will be collecting door to door.

People living outside Sarnia must contact their nearest Catholic Church or St. Vincent de Paul store in their community to request assistance.

Through voluntary trusteeship, helps people better manage their money, pay their bills on time and teach people basic money management.

Professional Staff will:

• Receive all money directly from an individual's source
• Create a budget with people for their spending money
• Pay all bills on time
• Teach people about basic money management, credit cards and interest rates

Advocacy and support services will help:

• Budget people's money to get the most from the monthly allowance
• Plan how to handle arising financial concerns
• Provide ongoing professional counseling and support
• Connect to other services for support, as needed

Assurance, accounting, tax and advisory services:

• Debt Help
• Budget Advice
• Debt Warning Signs
• Credit counseling
• Debt Settlement Plans Debt Settlement Options
• Debt Management Plans
• Bankruptcy and Consumer Proposals
• Credit Card Debt
• Income Tax Debt
• Student Loan Debt
• Collection Agencies
• Credit Scores
• Retirement, Seniors and Debt
• Business Debt Solutions
• For more comprehensive information of Services visit the website or call for details

Debt management and consolidation programs

• personal money management counselling
• online resources on consumer debt and money management

By Peaceful Waters provides clinical competence with compassion for people and belief that there is always hope and a way forward through your challenges that leads to greater peace and joy. Group of qualified therapists serving individuals, couples, families and children using evidenced based therapies designed to fit the needs of each situation and person. Also provide Child-Centred Divorce services, Conflict Mediation for families and business, Empowered Parenting coaching and workshops, Life-coaching, Nutrition Coaching, and Financial coaching services.

Services provided in many locations throughout Southwestern Ontario including local offices for in-person therapy in Stratford (Memoria Baptist Church), Listowel (First Baptist Church), Goderich (Bethel Pentecostal Assembly), and Zurich (Zurich Mennonite Church - currently online one). Also offer phone and video conferencing appointments.

By Peaceful Waters provides clinical competence with compassion for people and belief that there is always hope and a way forward through your challenges that leads to greater peace and joy. Group of qualified therapists serving individuals, couples, families and children using evidenced based therapies designed to fit the needs of each situation and person. Also provide Child-Centred Divorce services, Conflict Mediation for families and business, Empowered Parenting coaching and workshops, Life-coaching, Nutrition Coaching, and Financial coaching services.

Services provided in many locations throughout Southwestern Ontario including local offices for in-person therapy in Stratford (Memoria Baptist Church), Listowel (First Baptist Church), Goderich (Bethel Pentecostal Assembly), and Zurich (Zurich Mennonite Church - currently online one). Also offer phone and video conferencing appointments.

By Peaceful Waters provides clinical competence with compassion for people and belief that there is always hope and a way forward through your challenges that leads to greater peace and joy. Group of qualified therapists serving individuals, couples, families and children using evidenced based therapies designed to fit the needs of each situation and person. Also provide Child-Centred Divorce services, Conflict Mediation for families and business, Empowered Parenting coaching and workshops, Life-coaching, Nutrition Coaching, and Financial coaching services.

Services provided in many locations throughout Southwestern Ontario including local offices for in-person therapy in Stratford (Memoria Baptist Church), Listowel (First Baptist Church), Goderich (Bethel Pentecostal Assembly), and Zurich (Zurich Mennonite Church - currently online one). Also offer phone and video conferencing appointments.

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:

• Raising a Digital Generation - four-week program with detailed information regarding todays' digital generation and the challenges children and youth face. Includes information on social media, online safety and cyber bullying
• 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 wiser and healthier 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
• Scream Free Parenting - four-week program to educate parents to be aware of their behavior and how to calm their personal emotional reactions. Teaches parents how to create and enjoy calm, mutually respectful and loving relationships with their children.
• 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.
• Mindful 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.

Food bank, emergency transportation, support available for one-time emergency medicine costs, emergency accommodations in certain situations available for 1 to 2 nights maximum, vouchers for clothing and household items available for those in need, advocacy and resource referrals, support offered to send up to 2 children to Salvation Army summer camp each year. Those requiring OESP and Leap Program application assistance will be referred to Goderich office.

Other services provided during applicable or specific times throughout the year include: Christmas hampers, and is an intake agency for Huron Backpacks for Kids. Call office or see separate entries for full details.

By Peaceful Waters provides clinical competence with compassion for people and belief that there is always hope and a way forward through your challenges that leads to greater peace and joy. Group of qualified therapists serving individuals, couples, families and children using evidenced based therapies designed to fit the needs of each situation and person. Also provide Child-Centred Divorce services, Conflict Mediation for families and business, Empowered Parenting coaching and workshops, Life-coaching, Nutrition Coaching, and Financial coaching services.

Services provided in many locations throughout Southwestern Ontario including local offices for in-person therapy in Stratford (Memoria Baptist Church), Listowel (First Baptist Church), Goderich (Bethel Pentecostal Assembly), and Zurich (Zurich Mennonite Church - currently online one). Also offer phone and video conferencing appointments.

By Peaceful Waters provides clinical competence with compassion for people and belief that there is always hope and a way forward through your challenges that leads to greater peace and joy. Group of qualified therapists serving individuals, couples, families and children using evidenced based therapies designed to fit the needs of each situation and person. Also provide Child-Centred Divorce services, Conflict Mediation for families and business, Empowered Parenting coaching and workshops, Life-coaching, Nutrition Coaching, and Financial coaching services.

Services provided in many locations throughout Southwestern Ontario including local offices for in-person therapy in Stratford (Memoria Baptist Church), Listowel (First Baptist Church), Goderich (Bethel Pentecostal Assembly), and Zurich (Zurich Mennonite Church - currently online one). Also offer phone and video conferencing appointments.

Community and Family Services provides the following: Food Bank assistance, emergency transportation, support available for one-time emergency medicine costs, emergency accommodations, vouchers for clothing and household items, advocacy and resource referrals, support offered to send up to 2 children to Salvation Army summer camp each year. OESP and Leap Program application assistance.

Community Meal to Go available second Tue of the month. Must pre-reserve on Facebook HERE, by calling the church 519-524-8822, or emailing HERE

Other services provided during applicable or specific times throughout the year include: Christmas hampers, and is an intake agency for Huron Backpacks for Kids. Call office or see separate entries for full details.

By Peaceful Waters offers comprehensive counselling services for individuals, couples and groups, and child centered divorce services to support families working through the pain of separation. Other services include workshops and seminars, spiritual direction, financial coaching.

Provision of emergency food/grocery assistance

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

By Peaceful Waters offers comprehensive counselling services for individuals, couples and groups, and child centered divorce services to support families working through the pain of separation. Other services include workshops and seminars, spiritual direction, financial coaching.

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 and toys for low-income families (toys for children 0-11 years, gift card for youth age 12-14 years)
  
• Adventure camp (ages 6-15 years)
  
• backpacks for children and youth attending school
  
• informal counselling: (individual, family & budgeting)

By Peaceful Waters provides clinical competence with compassion for people and belief that there is always hope and a way forward through your challenges that leads to greater peace and joy. Group of qualified therapists serving individuals, couples, families and children using evidenced based therapies designed to fit the needs of each situation and person. Also provide Child-Centred Divorce services, Conflict Mediation for families and business, Empowered Parenting coaching and workshops, Life-coaching, Nutrition Coaching, and Financial coaching services.

Services provided in many locations throughout Southwestern Ontario including local offices for in-person therapy in Stratford (Memoria Baptist Church), Listowel (First Baptist Church), Goderich (Bethel Pentecostal Assembly), and Zurich (Zurich Mennonite Church - currently online one). Also offer phone and video conferencing appointments.

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