info@ccrn.ca  |  1-800-663-3973
Serving the Niagara Region since 1975

Your First Credit Counselling Session

CCRN’s professional counsellors are real people who live and work in your community.  Their goal is to provide solutions tailored to your specific situation.  When you make an appointment with CCRN, a counsellor will sit down with you to review your financial situation and discuss various options and solutions. Credit Counsellors follow strict rules about confidentiality.

At your first appointment a counsellor will talk with you about your overall financial position, including your income and total expenses, as well as a list of your assets and liabilities. Your counsellor will also look at your debt, how it’s structured, how much it is costing you monthly, and your repayment schedule.Your counsellor will also assess whether or not you have budgeting difficulties or debt issues, and suggest practical ways you can make things better.

Our counsellors specialize in helping you explore realistic options for the payment of debt. These may include consolidation, disposing of some of your assets, or the benefits of reduced interests that come with our Debt Management Program. In some cases we might even suggest  a consumer proposal or the kind of relief that comes for people whose best option is bankruptcy.

In your first session you will also spend time talking about how to develop and maintain a sustainable family budget as well as the things you can practically do to pay your debt over a reasonable period of time.

What should I bring to my appointment?

We require the following items:

  • Proof of income (i.e. paystub)
  • List of monthly expenses and monthly amounts (i.e. rent/mortgage, utilities, groceries, recreation, etc.)
  • List of creditors, account numbers, and amount owing to each (please bring recent statements if available)

Testimonials
We greatly appreciated the caring and compassionate help, wisdom and guidance. You have made a difficult situation more bearable.
2014-06-04T15:47:05+00:00
We greatly appreciated the caring and compassionate help, wisdom and guidance. You have made a difficult situation more bearable.
What a relief it was to show up in my counsellor’s office with all my messy finances laid in front of her and be treated with respect and absolutely no judgment.
2014-06-04T15:49:17+00:00
What a relief it was to show up in my counsellor’s office with all my messy finances laid in front of her and be treated with respect and absolutely no judgment.
My counsellor made me feel at ease and explained everything very thoroughly. Her care and compassion to help people really made my year.
2014-06-04T15:48:03+00:00
My counsellor made me feel at ease and explained everything very thoroughly. Her care and compassion to help people really made my year.
This agency helped me get my life back, and also gave me the tools to better manage my finances. The staff made me feel very at ease and stress free!
2014-06-04T15:47:47+00:00
This agency helped me get my life back, and also gave me the tools to better manage my finances. The staff made me feel very at ease and stress free!
Absolutely wonderful people who make you feel comfortable and let you know there is a light at the end of the tunnel.
2014-06-04T15:46:44+00:00
Absolutely wonderful people who make you feel comfortable and let you know there is a light at the end of the tunnel.
I feel like a huge weight has been lifted off my shoulders! For once someone is helping me and I know I am not alone! Thank you.
2014-06-04T15:46:22+00:00
I feel like a huge weight has been lifted off my shoulders! For once someone is helping me and I know I am not alone! Thank you.
Excellent advice and assistance for my situation. Highly recommend all your employees for an excellent job and I’m sure I am not alone in praising your fine group.
2014-06-04T15:47:28+00:00
Excellent advice and assistance for my situation. Highly recommend all your employees for an excellent job and I’m sure I am not alone in praising your fine group.