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Dial 2-1-1. Our helpline is answered by real people 24/7 and service is available in 150+ languages.
Dial 2-1-1. Our helpline is answered by real people 24/7 and service is available in 150+ languages.
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Short Description
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
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Short Description
Accredited individual financial counselling, with services including walk-in credit counselling, debt reduction, financial education, and financial coaching.
* Walk-In Credit Counselling drop-in support for immediate financial solutions, solution-focused financial counselling, works on a first come first served basis. Each session lasts approximately 45 min.
* Debt Reduction Debt Management Plan is a voluntary program designed to help you retire your debt. This plan involves small monthly payments to our credit counselling agency which we send directly to your creditors.
* Financial Education Works with community organizations, schools, colleges, and employers to provide education to their clients, students, and employees through presentations, workshops, and lunch and learns. To book a credit counsellor to speak with your group call 905-527-3823 x279
* Financial Coaching One-on-one financial planning and advice with a personal financial coach
* Walk-In Credit Counselling drop-in support for immediate financial solutions, solution-focused financial counselling, works on a first come first served basis. Each session lasts approximately 45 min.
* Debt Reduction Debt Management Plan is a voluntary program designed to help you retire your debt. This plan involves small monthly payments to our credit counselling agency which we send directly to your creditors.
* Financial Education Works with community organizations, schools, colleges, and employers to provide education to their clients, students, and employees through presentations, workshops, and lunch and learns. To book a credit counsellor to speak with your group call 905-527-3823 x279
* Financial Coaching One-on-one financial planning and advice with a personal financial coach
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Short Description
Christians Against Poverty provides debt and credit counselling along with budgeting help through professional debt counsellors.
Services include:
Services include:
- building budgets based on income and expenses
- negotiating with creditors to stop interest on debts
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Short Description
One-on-one financial counselling and financial literacy support.
Services include:
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.
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Short Description
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)
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Community and Family Services
Office: Office 905-827-5324 ; Food Bank 905-808-3406 or 905-827-6523 Visit Website
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Short Description
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
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Short Description
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)
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Short Description
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
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
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
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
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Short Description
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
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
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
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
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Short Description
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
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Short Description
Programs include:
Food Bank: Available once per month for perishable and non-perishable grocery pickup, and once per week for perishable items such as fresh produce, bread and any items we may have an excess of.
Housing: Provides support in completion of Niagara Regional Housing applications. Assesses the need for and makes referrals to partners and emergency shelters.
Utility Assistance: Provides intake for the Niagara Emergency Energy Fund (NEEF) for emergency financial assistance for low income households facing disconnection (gas or hydro). Also provides intake for the Ontario Electricity Support Program (OESP) to lower electricity bills for low-income households.
Dental Assistance: Brushed Aside partner agency. Provide access to dental care for adults in need of dental treatment for pain/infection or dentures.
Identification Clinic: In partnership with Community Care St Catharines, assists clients with replacing birth certificates, citizenship cards, records of landing, marriage certificates, health cards, and delayed statements of birth. Clients can also access safe storage of identifications.
Trusteeship: In partnership with Community Care St Catharines, provides money management and direct distribution of funds to eligible clients.
Canadian Tire Jumpstart: Provides financially disadvantaged children, aged 4-18 years, with the opportunity to participate in sports and recreational activities.
Back to School Program: Provides a backpack filled with school supplies to children and youth from low-income families. Works in partnership with the Jumpstart Sneaker Program in providing a new pair of sneakers. Clients can call the main number or email clientservices@communitycarewn.ca to register.
Birthday Program: Registered clients can select gifts for their children's birthdays.
CCWN gratefully accepts donations of fresh perishable and nonperishable food items. Please drop off donations at receiving area (rear of building) Mon-Fri 9 am-4 pm.
Food Bank: Available once per month for perishable and non-perishable grocery pickup, and once per week for perishable items such as fresh produce, bread and any items we may have an excess of.
Housing: Provides support in completion of Niagara Regional Housing applications. Assesses the need for and makes referrals to partners and emergency shelters.
Utility Assistance: Provides intake for the Niagara Emergency Energy Fund (NEEF) for emergency financial assistance for low income households facing disconnection (gas or hydro). Also provides intake for the Ontario Electricity Support Program (OESP) to lower electricity bills for low-income households.
Dental Assistance: Brushed Aside partner agency. Provide access to dental care for adults in need of dental treatment for pain/infection or dentures.
Identification Clinic: In partnership with Community Care St Catharines, assists clients with replacing birth certificates, citizenship cards, records of landing, marriage certificates, health cards, and delayed statements of birth. Clients can also access safe storage of identifications.
Trusteeship: In partnership with Community Care St Catharines, provides money management and direct distribution of funds to eligible clients.
Canadian Tire Jumpstart: Provides financially disadvantaged children, aged 4-18 years, with the opportunity to participate in sports and recreational activities.
Back to School Program: Provides a backpack filled with school supplies to children and youth from low-income families. Works in partnership with the Jumpstart Sneaker Program in providing a new pair of sneakers. Clients can call the main number or email clientservices@communitycarewn.ca to register.
Birthday Program: Registered clients can select gifts for their children's birthdays.
CCWN gratefully accepts donations of fresh perishable and nonperishable food items. Please drop off donations at receiving area (rear of building) Mon-Fri 9 am-4 pm.
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Community and Family Services, Brantford - Diana Ave
519-752-7813 church office519-752-7814
Visit Website
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Short Description
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)
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Short Description
Trustee in bankruptcy and consumer proposal administrator
- bankruptcy
- consumer proposal
- orderly payment of debts
- debt consolidation
- credit counselling
- informal debt settlement
- other options
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Short Description
Offers a full range of debt relief options, including consumer proposals, bankruptcy, and debt relief
Services offered:
Services offered:
- managing debt
- stop a wage garnishment
- stop collection calls
- eliminate credit card debt
- dealing with tax debt
- student loan debt relief
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Community and Family Services, Brantford - Diana Ave
519-752-7813 church office519-752-7814
Visit Website
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Short Description
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)
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Short Description
Programs include:
Food Bank: Available once per month for perishable and non-perishable grocery pickup, and once per week for perishable items such as fresh produce, bread and any items we may have an excess of.
Housing: Provides support in completion of Niagara Regional Housing applications. Assesses the need for and makes referrals to partners and emergency shelters.
Utility Assistance: Provides intake for the Niagara Emergency Energy Fund (NEEF) for emergency financial assistance for low income households facing disconnection (gas or hydro). Also provides intake for the Ontario Electricity Support Program (OESP) to lower electricity bills for low-income households.
Dental Assistance: Brushed Aside partner agency. Provide access to dental care for adults in need of dental treatment for pain/infection or dentures.
Identification Clinic: In partnership with Community Care St Catharines, assists clients with replacing birth certificates, citizenship cards, records of landing, marriage certificates, health cards, and delayed statements of birth. Clients can also access safe storage of identifications.
Trusteeship: In partnership with Community Care St Catharines, provides money management and direct distribution of funds to eligible clients.
Canadian Tire Jumpstart: Provides financially disadvantaged children, aged 4-18 years, with the opportunity to participate in sports and recreational activities.
Back to School Program: Provides a backpack filled with school supplies to children and youth from low-income families. Works in partnership with the Jumpstart Sneaker Program in providing a new pair of sneakers. Clients can call the main number or email clientservices@communitycarewn.ca to register.
Birthday Program: Registered clients can select gifts for their children's birthdays.
CCWN gratefully accepts donations of fresh perishable and nonperishable food items. Please drop off donations at receiving area (rear of building) Mon-Fri 9 am-4 pm.
Food Bank: Available once per month for perishable and non-perishable grocery pickup, and once per week for perishable items such as fresh produce, bread and any items we may have an excess of.
Housing: Provides support in completion of Niagara Regional Housing applications. Assesses the need for and makes referrals to partners and emergency shelters.
Utility Assistance: Provides intake for the Niagara Emergency Energy Fund (NEEF) for emergency financial assistance for low income households facing disconnection (gas or hydro). Also provides intake for the Ontario Electricity Support Program (OESP) to lower electricity bills for low-income households.
Dental Assistance: Brushed Aside partner agency. Provide access to dental care for adults in need of dental treatment for pain/infection or dentures.
Identification Clinic: In partnership with Community Care St Catharines, assists clients with replacing birth certificates, citizenship cards, records of landing, marriage certificates, health cards, and delayed statements of birth. Clients can also access safe storage of identifications.
Trusteeship: In partnership with Community Care St Catharines, provides money management and direct distribution of funds to eligible clients.
Canadian Tire Jumpstart: Provides financially disadvantaged children, aged 4-18 years, with the opportunity to participate in sports and recreational activities.
Back to School Program: Provides a backpack filled with school supplies to children and youth from low-income families. Works in partnership with the Jumpstart Sneaker Program in providing a new pair of sneakers. Clients can call the main number or email clientservices@communitycarewn.ca to register.
Birthday Program: Registered clients can select gifts for their children's birthdays.
CCWN gratefully accepts donations of fresh perishable and nonperishable food items. Please drop off donations at receiving area (rear of building) Mon-Fri 9 am-4 pm.
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Short Description
Credit counselling, debt management and consolidation programs
- money management education and budgeting assistance
- information and referral
- online resources on consumer debt and money management, including myMoneyCoach
- webinars and workshops
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Short Description
Debt management and consolidation programs
- personal money management counselling
- online resources on consumer debt and money management
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Short Description
Food Bank: Walk-in service and home delivery of food (fresh and non perishable) to registered families, individuals and seniors who qualify.
Snack Attack: Offers families with school-aged children better snack choices throughout the week. Snacks are obtained through donations and additional items are purchased.
Shelter/Utility Stability: Provide counsel, mediation and periodic short term financial aid to keep Lincoln residents in their current housing with utilities functioning.
Safe at Home: Provides home furnishings for those in and out of transitional housing and to families in need.
Snack Attack: Offers families with school-aged children better snack choices throughout the week. Snacks are obtained through donations and additional items are purchased.
Shelter/Utility Stability: Provide counsel, mediation and periodic short term financial aid to keep Lincoln residents in their current housing with utilities functioning.
Safe at Home: Provides home furnishings for those in and out of transitional housing and to families in need.
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Short Description
COVID-19 Update: Services continue to operate by appointment only. Please call 519-836-9824 or e-mail familyservices@guelphsa.ca.
Services include:
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
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Short Description
Programs include
- Anger Management course
- trustee services
- seniors' program -- social interaction, including a light lunch and education on various relevant topics such as internet safety, food education
- Pathway of Hope program -- a holistic approach to end poverty one person/family at a time
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Short Description
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:
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
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Short Description
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
* children and youth programs offered during worship service
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Short Description
Debt management and consolidation programs
- personal money management counselling
- online resources on consumer debt and money management
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Short Description
Housing Services
Rent Bank access centre -- interest-free repayable loans to low-income households who are in rental arrears or need to move into more suitable housing
- housing counselling
- information and referral
- matches tenants with landlords, eviction prevention, landlord outreach and recruitment, housing listings
Rent Bank access centre -- interest-free repayable loans to low-income households who are in rental arrears or need to move into more suitable housing
- must have legal status in Canada and meet income requirements
- clients of Ontario Works and Ontario Disability Support Program may be eligible
- landlord and tenant mediation
- money management advice
- follow-up search assistance and community referrals
- also interest-free loans for first and last month's rent deposit to move into more affordable housing
- also for LEAP (Low Income Energy Assistance Program), sponsored by Toronto Hydro Electric System and United Way Toronto -- assistance to low income individuals and families who are in arrears for their electricity utility bills and have exhausted all other sources of financial support
- for help with Enbridge gas bills call 1-855-487-5327
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