Searching for Credit Counselling

• 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

• 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

• 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

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

• 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

• 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.

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

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

• 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.)

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

• Assist those in the community who are in need or in crisis situations.
• Food assistance is given once a month unless extenuating circumstances exist.
• Offer Christmas assistance by providing families with food hampers and toys (for children up to age 12). Application required with identification, proof of income and expenses.

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)

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

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

• mediation between debtor and creditor
• consumer debt repayment programs
• consumer credit education including online resources

• consumer education
• budgeting
• behaviours around money
• strategies to reduce financial stress and meet financial goals

• consumer education
• budgeting
• behaviours around money
• strategies to reduce financial stress and meet financial goals

• helps with creating a spending plan to manage living expenses, get finances back on track, consolidate debts in one monthly payment, save thousands of dollars in interest, and stop collection calls from creditors
• provides alternatives to filing for bankruptcy

• Assessment of income and expenses
• Money management advice
• Credit Counselling
• Budgeting assistance
• Debt management program
• Advocacy
• Public education, in-house or out in the community

• qualifications for reduction on electricity costs

• establishment services
• counseling and assistance in immigration procedures
• application for various visas, for permanent residency, work permit, citizenship, sponsorship, etc.

• oaths
• affirmations
• affidavits

• information and advice on immigrant and refugee rights
• guidance on judicial procedures
• defense of rights on various issues

• in-home doctor visits
• nursing and medical services at home

• daycare services
• job search assistance
• job placement and internship
• support for creating and starting a business
• support for training and studies
• counselling services
• rehabilitation and monitoring of probation for minors
• radicalization prevention
• housing support services
• social activities
• interpretation and document translation
• language instruction
• placement assistance for volunteering in Africa and Canada
• financial and administrative assistance for funerary services
• maintenance of a directory for professionals and business men in Canada

• home visits
• transportation and accompaniment
• physical activity
• meditation and relaxation sessions
• foot care
• social outings

• social housing management
• budget management
• employment support
• family support

• financial and administrative support