Searching for Credit Counselling

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.

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.

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 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)

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)

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 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.

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.

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 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 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.

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.

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

COVID-19 Update: Services continue to operate by appointment only. Please call 519-836-9824 or e-mail familyservices@guelphsa.ca.

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.

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.

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