{"id":"u174","name":"Credit Counselling Society (free non-profit credit counselling, Toronto office)","help":"direct","type":"community_org","typeLabel":"Community organization","what":"A registered non-profit that gives free, confidential credit counselling. A counsellor looks at your debts with you and explains your options. If you choose its Debt Management Program, your unsecured debts are rolled into one monthly payment and creditors cut or drop the interest. It is not a loan. Fees apply only if you join the program, and the Society says it waives them for people who truly cannot afford them.","forWhom":"Anyone in Ontario who is struggling with debt.","cost":"Free counselling. Program fees only if you join the Debt Management Program.","tags":["debt","credit counselling","debt management program","bills","credit card debt"],"topics":["debt","money","counselling"],"place":{"label":"Toronto","country":"Canada","cc":"CA","region":"Ontario","city":"Toronto","scope":"city"},"website":"https://nomoredebts.org/canada-credit-counselling/ontario/toronto","sources":["https://nomoredebts.org/canada-credit-counselling/ontario/toronto","https://www.nomoredebts.org/","https://creditcounsellingcanada.ca/locate-a-counsellor/?cc=ON"],"checked":"2026-10-05","added":"2026-10-05","verified":"checked","checkEvery":90,"deadline":null,"deadlineNote":null,"status":"listed","routes":[{"kind":"Office phone","url":null,"value":"647-776-0485","seen":"2026-10-05","source":"their own site"},{"kind":"Office phone","url":null,"value":"1-888-527-8999 (toll-free)","seen":"2026-10-05","source":"their own site"},{"kind":"Walk-in office","url":null,"value":"1235 Bay Street, Suite 719, Toronto, ON M5R 3K4","seen":"2026-10-05","source":"their own site"}],"primaryRoute":{"kind":"Office phone","url":null,"value":"647-776-0485","seen":"2026-10-05","source":"their own site"},"routeCount":3,"channels":[{"kind":"website","url":"https://nomoredebts.org/canada-credit-counselling/ontario/toronto","label":"Website","reach":null,"unit":null,"seen":"2026-10-05","source":"their own site"}],"spaceCount":1,"spacesSeen":"2026-10-05","phone":"647-776-0485","contact":{"email":null,"url":"https://nomoredebts.org/canada-credit-counselling/ontario/toronto","route":"Office phone"},"qualify":["Anyone in Ontario with debt problems","Any income level"],"needs":["A list of your debts and who you owe","Your income and monthly costs"],"steps":["Call the Toronto office or the toll-free line to book a free session.","Bring a list of your debts, income and monthly costs.","Ask about every option before you choose one."],"languages":["English"],"welcomes":[],"reachNum":null,"reachUnit":null,"reachKind":"none","reachSource":null,"reachSeen":null,"intents":{"reach":false,"grow":null,"job":false,"volunteer":false,"specialist":null,"opps":false,"housing":false,"money":true,"info":false,"marriage":false},"page":"/o/credit-counselling-society-free-non-profit-credit-counselling-toronto/","stale":false,"staleDays":0,"checkedNote":"Facts read from the source pages on 2026-10-05; spaces read from their site on 2026-10-05; re-checked every 90 days.","spaces":[{"kind":"website","label":"Website","url":"https://nomoredebts.org/canada-credit-counselling/ontario/toronto","reach":null,"unit":null,"seen":"2026-10-05","note":null}],"missing":["organization email (not published on their pages)","follower or subscriber counts (platform pages do not expose them to readers; ask the organization or check the platform)","what they welcome from outside parties (their pages do not say)","audience number for the organization as a whole (not public)"]}