My advice to Canadians: only deal with Canadian Credit Counselling Agencies. While many agencies say they are Canadian, if you dig deep enough, you may discover that is not the case. Do your homework.

Seek out the licensed agencies and ones that can demonstrate to you their excellent track record. If an agency tells you they will only deal with some of your creditors and not ALL of your creditors - RUN! With the exception of government debt, a good agency can work with all creditors.

Do not believe debt collectors or anyone else when they tell you not to deal with an agency. Think for yourself. Check out your chosen agency and look for information like if they are a member of a National Association, such as the Canadian Association of Independent Credit Counselling Agencies (CAICCA).

If you require information regarding an agency or assistance in locating one in your area, just call me. Here's the number and ask for Margaret - 1.877.588.9491 - or you can This e-mail address is being protected from spam bots, you need JavaScript enabled to view it - This e-mail address is being protected from spam bots, you need JavaScript enabled to view it

You will be glad you did.

As the President of the Canadian Association of Independent Credit Counselling Agencies I will be pleased to help you.