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Your Source for Canadian Credit Counseling, Information and Services

If you wish to know the contents of your credit history, contact your local credit bureau by calling the toll-free number listed below.

Credit counseling is available in most provinces, either through a government office or a non-profit agency.

If you are contacted by a collection agent, be aware that all provinces set out rules that collection agencies must follow. For advice on how to respond to a collection agent, refer to the first part of this handbook on general information. Consumers who wish to complain about a collection agency may contact their provincial or territorial office of consumer affairs. 

Consumers in British Columbia should contact 

Director of Debt Collection
Tel:  1-250-356-6035 
Fax: 1-250 953-3533 
PO Box 9297 Stn. Prov. Govt, (Wharf and Fort), 
Victoria BC, V8W 9J8

For those who declare bankruptcy, the Office of the Superintendent of Bankruptcy works to ensure that the bankruptcy process is conducted in a fair and orderly manner. Under certain circumstances the Office will assist debtors in finding a trustee in bankruptcy. It also investigates complaints from debtors regarding a possible wrong.

In Saskatchewan there is special help for farmers facing bankruptcy.

Credit Inquiries and Reporting Agencies

www.CanadianCreditCenter.com

Credit Counseling by Province

Newfoundland 

Personal Credit Counselling Service
2nd Floor, Suite 201
Virginia Park Plaza, Newfoundland Drive
St. John's NF A1A 3E9 

Tel.: (709) 753-5812
Fax: (709) 753-3390 

Nova Scotia 

Service Nova Scotia and Municipal Relations
Debtor Assistance Program and Consumer Proposals
PO Box 2653
Halifax NS B3J 3P7 

Tel.: (902) 424-5200
1-800-670-4357
Fax: (902) 424-0711

Prince Edward Island 

Office of the Attorney General
Division of Consumer Services
Box 2000
Charlottetown PE C1A 7N8 

Tel.: (902) 368-4580
Fax: (902) 368-5283

New Brunswick 

Credit Counselling Services of Atlantic Canada, Inc.
Box 20078, Brunswick Square
Saint John NB E2L 5B2 

Tel.: (506) 652-1613
(506) 854-114(Moncton) 
1-800-539-2227 
Fax: (506) 633-6057 

Quebec 

L'Office de la protection du consommateur
Suite 450, 400 Jean-Lesage Boulevard
Québec QC G1K 8W4 

Toll free: 1-888-672-2556

Ontario 

Ontario Association of Credit Counselling Services
PO Box 189
Grimsby ON L3M 4G5 

Tel.: (905) 945-5644
Referral Line: 1-800-7-INDEBT (746-3328)
Fax: (905) 945-4680 

Ministry of Consumer and Business Services
General Enquiry Unit
Tel: (416) 326-8555
1-800-268-1142 

Manitoba 

Community Financial Counselling Services
203-290 Vaughan Street
Winnipeg MB R3B 2N8 

Tel.: (204) 989-1900
Fax: (204) 989-1908 

Saskatchewan 

Department of Justice
Provincial Mediation Board
2151 Scarth Street
Regina SK S4P 3V7 

Tel.: (306) 787-2699 
1-888-215-2222
Fax: (306) 787-5574 

Alberta 

Credit Counselling Services of Alberta
Suite 225, 602-11th Avenue SW
Calgary AB T2R 1J8 

Tel.: (403) 265-2201
Toll-free in Alberta 1-888-294-0076 

Suite 304, 10011-109 Street
Edmonton AB T5J 3S8 

Tel.: (780) 423-5265

British Columbia 

Ministry of Attorney General 
Community Justice Branch 
Debtor Assistance Program
3rd Floor, 5021 Kingsway
Burnaby BC V5H 4A5 

Tel.: (604) 660-3550
Fax: (604) 660-8472

Credit Counselling Society of British Columbia
200-435 Columbia Street
Westminister BC V3L 5N8 

Tel.: (604) 527-8999 or 1-888-527-8999

Northwest Territories 

Municipal and Community Affairs
Suite 500, 5201-50th Avenue
Yellowknife NT X1A 3S9 

Tel.: (867) 873-7125
Fax: (867) 920-6343

Reporting on Collection Agencies

British Columbia 

Ministry of the Attorney General
Community Justice Branch
Debtor Assistance Program
3rd Floor, 5021 Kingsway
PO Box 9297, Station Prov Gov
Burnaby BC V5H 4A5 

Tel.: (250) 387-1627
Fax: (250) 953-3533 

All other Provinces  & Territories

Contact your office of consumer affairs.

Bankruptcy

Office of the Superintendent of Bankruptcy 

The Office helps ensure that bankruptcies and insolvencies are conducted in a fair and orderly manner. Under certain circumstances, it will assist debtors in finding a trustee in bankruptcy. It also investigates complaints from debtors regarding a possible wrong. 

Saskatchewan Agriculture and Food 

This department provides specific information for Saskatchewan farmers who are seeking protection from their creditors or filing for bankruptcy. 

Room 329
3085 Albert Street
Regina SK S4S 0B1 

Tel.: (306) 787-8523
Fax: (306) 787-027