Searching for Credit Counselling

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)

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

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)

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

• money management education and budgeting assistance
• information and referral
• online resources on consumer debt and money management, including myMoneyCoach
• webinars and workshops

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

• 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

• 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

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

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

• housing counselling
• information and referral
• matches tenants with landlords, eviction prevention, landlord outreach and recruitment, housing listings

• 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

• information and referral
• assistance with filling out government forms
• assistance with Ontario Works/ODSP
• assistance with pensions
• government, trusteeship service
• document replacement and certification
• commissioner of Oath/affidavits
• interpretation and translation
• voice mail service
• personal income tax services

• housing counselling
• information and referral
• matches tenants with landlords, eviction prevention, landlord outreach and recruitment, housing listings
• voluntary trusteeship service
• street outreach to persons who are homeless, Streets to Homes follow up support for clients who have been placed in 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

• community meals program
• activity and recreation program
• housing and crisis intervention referrals
• voluntary trusteeship service
• telephone
• showers
• mailing address for members
• internet

• one on one support for people experiencing mental health and/or addiction concerns
• supports include accompaniment, referrals, advocacy, and skills building

• support, information, resources and training with financial issues
• opening a bank account
• social assistance benefits
• debt problems
• income tax return preparation

• administrative assistance to community residents and groups
• information and referral services to community and government resources
• access to computers, photocopying, printing and fax

• strengthen community leadership and support positive social change from an anti-poverty social justice perspective
• identifying and responding to community needs
• training, support and advocacy for local residents

• group activities, workshops and one-on-one for newly arrived immigrants and refugees of all ages to help orient them to their new community and establish social and professional networks

• Getting In Touch, Git.Connected, social/recreational mental health program
• adult and youth support groups
• Service Navigation Program -- support residents of Jane and Finch and of Northwest Toronto in accessing mental health services and social supports

• financial literacy and support services for low income individuals, families, newcomers or youth
• income tax clinic
• workshops
• one-on-one support with a mobile community financial worker for those facing financial barriers

• Corner Commons - community space
• community workshops and group programming
• engages area residents to reduce their carbon footprint
• community development and capacity building approach

• drop-in Tue-Fri 11 am-8 pm
• recreation programs, Internet access

• assists seniors from various ethnocultural groups to live independently and remain healthy
• in partnership with community agencies to ensure seniors are provided with the support they need

• hot lunch and coffee/tea to go
• drop in centre open, limited indoor seating due to physical distancing Monday-Friday 10:30 am-12:30 pm, Sunday 5 pm-6 pm
• take away meals available Monday-Friday 10:30 am-12:30 pm, Sunday 5 pm-6 pm
• 1:1 support 9 am-12:30 pm

• take away meals with snack and beverage
• laundry and washroom access
• 1:1 client suport including housing help, voluntary financial trusteeship (open for referrals), information and referral
• clothing bank -- 2nd and 4th Wednesday of month 9 am-10:30 am
• women's group -- 1st and 3rd Tuesday of month 1 pm-2 pm
• men's group -- Thursday 12:30 pm-2 pm
• movie day -- 1st and 3rd Monday 12:30 pm-2 pm

• walk in COVID-19 vaccine clinic -- Monday 9:30 am-11:30 am
• nursing services -- Friday (resuming October)
• dental clinic -- call for eligibility criteria and appointment, ext 290
• Alcoholics Anonymous and Narcotics Anonymous, call for information

• Sunday dinner 5 pm-6 pm
• Sunday worship service 6 pm-7 pm
• 1:1 counselling support Monday-Friday 9 am-12 noon

• breakfast, lunch
• showers, laundry, phones, mail services and computers
• assessment and support of OW/ODSP/CPP applications
• identification and legal support

• community nurses
• vaccination clinic
• psychiatrist
• primary care
• general practitioner

• case management
• safer drug use supplies
• overdose prevention site
• information and referral for issues related to HIV/Hep C

• money management assistance
• harm reduction
• follow-up support services for participants referred through the Streets to Homes program

• housing support and referral
• housing Connections Community Partner

• supportive housing for chronically homeless men
• application through CASH

• support, employment readiness and job matching services
• employment, volunteering and educational opportunities

• Acudetox, social action, mindfulness meditation and wellness group
• Sunday afternoon movie
• peer supports
• social, recreational and volunteering opportunities

• www.InspireFinancialLearning.ca -- financial literacy programs and tools for teachers, students and parents