Searching for Credit Counselling

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.

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.

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 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.

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)

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

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

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

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.

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.

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

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 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.

Outreach and support services include:

• crisis support
• youth outreach program
• assistance for families and individuals to maintain safe, affordable housing
• eviction prevention
• income tax completion
• life skills and budgeting assistance
• emergency Hydro Arrears (not all utilities) available for individuals who reside within Centre Wellington and Wellington North including CW Hydro, Wellington North Power, Westario and Hydro One.
• licensed child care centre for ages 18 months-4 yrs of age. Before and After school programs offered as well at various locations in Centre Wellington.
• EarlyON Child and Family Centre programs in Centre Wellington, Wellington North, Minto, Mapleton and East Wellington.
• information and referrals
• volunteer transportation program - central intake and referral for Wellington Transportation Services
• Assistance with food insecurity
• Assistance for families and individuals who are in need of phones or internet support.
• Intake agency for the OESP (Ontario Electricity Support Program) We will assist with applications for this program.

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

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

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.

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)