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Not-for-profit debt counselling
Not-for-profit agencies are structured as registered charitable organizations with the Canada Revenue Agency. They tend to be members of trade associations and adhere to certain standards as a result. Fees for consumers tend to be relatively low and may even be free in some cases.
How can they operate without charging a fee, you may ask? Some of their clients pay fees, but they can also receive donations or funding from creditors like credit card companies.
There is typically no cost to have an initial discussion with a not-for-profit credit counsellor. There may be fees associated with implementing a debt management plan (DMP), which they may recommend to tackle your debt…