Debt is never a good thing to have, and it can affect how we live.

Luckily there are several locations in Victoria that can help you to get relief from debt.

Low-or-no-interest debt repayment

Credit Counselling Society

Non-profit service provider offering free and confidential credit counselling services. A counsellor goes over your financial situation with you and then go over your options to see what fits your situation or not.

One of their services is the Debt Management Program: a voluntary arrangement between you and your creditors. Your debts are put into one monthly payment based on your budget and what you can afford. Credit Counselling Society then give that money to your creditors once a month for you, and creditors are very supportive of payment arrangements through the CCS and often will reduce or delete interest charges. By participating in this program, clients are helped to manage their debts more easily and pay it off faster.

Note: One time set up fee of $75, then there will be a monthly fee of either 10% of your monthly payment or $75—the lesser option is chosen.

The company also has free webinars:

Contact: 5:30 AM-8:00 PM (Mondays to Thursdays, 5:30 AM-4:30 PM on Fridays and 7:30 AM-3:00 PM on Saturdays)
Victoria Office: 1175 Cook Street
Victoria BC, V8V 4A1
Phone: 250-382-9559